Agent Training Welcome Blues Agent Portal Training e-Learning on - PowerPoint PPT Presentation

Agent Training

Welcome

Blues Agent Portal Training e-Learning on the BCBSM Agent Portal Today’s information is also available online via a new effort by the BCBSM Sales Force Development area. In the future look for online e-Learning modules to become your first step when learning about new things from the Blues. To access: • 1. Go to bcbsm.com • 2. Sign on to the agent portal • 3. Click on the Education tab and click on e-Learning • 4. Click on Click Here to Access Online Training: 4Q12 Training: Product Updates4Q12 Training and BCN HMO HSA 3

Blues Agent Portal Training 4

Workshop Objectives • What: o Review the updates to the BCBSM/BCN products. • Why: o Explain the advantages and benefits of these product updates. • How: o Gain a practical understanding of how the process has changed as a result of these updates. 5

4Q Product Menu Changes • BCN HSA: • Explain the new Simply Blue tiered – Identify individuals eligible to participate in copay options. HSA. – Explain advantages/benefits of • Explain removal of our HealthEquity sponsored plan partner’s member and requirements. group portals. • Identify other BCN menu changes. • Identify changes to Blue Vision. . 6

HSA Basics Review Tax Benefits – Contributions are tax free – Dollars grow tax free – Dollars spent on qualified medical expenses are tax free HSA dollars can be used to pay for: – Medical – Pharmacy – Dental – Vision – COBRA premiums – Long term care premiums – Medicare premiums 7

HSA Basics Review What are the IRS guidelines for eligibility for an HSA? • May not also be covered under any health plan that isn’t a qualified HDHP. • Must not be enrolled in Medicare. • Must be covered under a qualified HDHP on the first day of any month for which eligibility is claimed. • May not be claimed as a dependent on another individual’s tax return. 8

BCN HMO HSA Product Features Available October 1, 2012 Objectives: – Retain and grow BCN membership – Meet market expectations of employer groups and agents – Remain competitive in the market National HSA growth increased 14.3% from 2010 to 2011 BCN goal – 35000 members in 2 years Target market: – Groups 2+ – Houghton & Marquette groups 50+ – Health-conscious buyer – Cost-conscious buyer 9

BCN HMO HSA Product Features • No monthly cost or set up fee. • Low cost HMO option for employers looking for a health savings account. • Preventive services covered at 100%. • Multiple high deductible and coinsurance plan options. • Includes integrated pharmacy benefit. • Integrated, online health savings account. 10

BCN HMO HSA Products Out-of-Pocket Maximum Individual / Family Coinsurance Prescriptions Drugs after Deductible After deductible deductible (include deductible) $10/$40/$80 $2000/$4000 0% $4000/$8000* $20/$60/50% $80 min /$100 max $2000/$4000 0% $4000/$8000* $10/$40/$80 $3000/$6000 0% $5000/$10000* $20/$60/50% $80 min /$100 max $3000/$6000 0% $5000/$10000* $10/$40/$80 $2000/$4000 20% $4000/$8000 $20/$60/50% $80 min /$100 max $2000/$4000 20% $4000/$8000 $10/$40/$80 $3000/$6000 20% $5000/$10000 $20/$60/50% $80 min /$100 max $3000/$6000 20% $5000/$10000 $15/$50/50%( $70/$100 $1250/$2500 20% $2250/$4500 $1250/$2500 20% 20% coin after ded $2250/$4500 $2000/$4000 20% 20% coin after ded $4000/$8000 $3000/$6000 20% 20% coin after ded $5000/$10000 *Once deductible is met only drug copayments apply to out-of-pocket maximum 11

BCN HMO HSA Product Features • 3-8% reduction in premium over comparable BCN plan – Aggregate deductible vs. Embedded deductible – Pharmacy applies toward deductible – Consumerism behavior • Products not available with HSA: – HBL/HBLR – Blue Elect Plus – Medicare products – Individual products • The HSA cannot be wrapped • Non-Medicare retirees are eligible • COBRA enrollees are eligible 12

BCN HMO HSA Product Features • Product based on new High Deductible Health Plan (HDHP) certificate • HDHP will have an aggregate and integrated deductible – Aggregate • Family contract deductible must be met prior to medical and/or pharmacy coverage. Collective family deductible – benefits are payable once the entire family deductible is met by one or more family members – Integrated • Deductible accumulates all medical and pharmacy costs • Plan cannot pay capitation for PCP and other captiated services • Product is based on calendar year • No 4 th quarter carryover • PDC – From qualified HSA plan only – Credit deductible back to January • No deductible carryover from a BCN deductible product 13

BCN HMO HSA Targets • Groups currently purchasing a low premium, high deductible plan looking for an opportunity to allow employees to enjoy lower out-of-pocket costs by allowing deductible expense to flow through HSA accounts using pre-tax dollars. • Groups interested in a healthier work force encouraging healthy lifestyles through consumerism and the opportunity for HSA account growth for future medical expense planning. • High earning professional groups that are looking for the advantages of tax free savings. 14

BCN HSA Partner – HealthEquity • BCN will partner with leading CDH vendor: HealthEquity Web link from MiBCN.com member site to HealthEquity – Single sign-on available in 2013 – Debit card – Dual logo – BCN and HealthEquity • HealthEquity provides 24/7 customer service. • Customized phone number for BCN members: 1-877-219-4506 • Online statements with current account balance. • Personalized group enrollment. • HealthEquity member and group portals. 15

Member Home Page 16

My Account 17

My Account 18

My Money 19

My Money 20

My Money 21

My Money 22

My Money 23

My Money 24

My Toolkit 25

My Profile 26

Employer Portal Home Page 27

Employer Information 28

Insurance Information 29

Manage Money 30

Manage Money 31

Manage Money 32

Company Detail 33

Available HSA Reports • Employee Account Summary – Summary of data displayed on home page of employer portal. • Contributions (Tax Year) – Contribution summary report by member for the tax year. • Contributions (Calendar Year) – Contribution summary report by member for the calendar year. • Potential Over Contributions – Report of any member that may be in a potential over contribution status. 34

Resources 35

BCN HSA/HealthEquity Facts • BCN will not need Notice of New CDH Business. • BCN created a new certificate for the HDHP. • Forms & Docs page will be available on the HealthEquity portal. • Member experience with HealthEquity is the same across the enterprise. • HealthEquity website will be customized for BCN. • HealthEquity will not be used for BCN HRA.

BCN HSA/HealthEquity Facts • BCN has one file for group and member information. • BCN configuration supports standard HealthEquity interface requirements. • BCN will use standard HealthEquity documents. • Member welcome kit contains: • Debit card • Debit card mailer • Tri-fold welcome letter

BCN HSA/HealthEquity Facts • Lead Time – 45 days • BCN Coverage Agreement – Parts A, B and C for New Business – Part C for Group Wide Change • Group Set-Up – Two classes will be established • HDHP with HSA • HDHP only • Enrollment Data – Enrollment/Change of Status Form • Indicator to be checked if contract enrolls in HSA – eMCS • Provide indicator to be checked if contract enrolls in HSA – Electronic Enrollment • Group will provide enrollment by class using Facets set-up 38

BCBSM CDH Implementation Guide • All documents required to enroll a group are located on the secure agent portal. • CDH Administration, after receiving the Notice of New Business Form, assigns an analyst to support implementation activities. • All communications or questions related to implementation can be directed to CDH Administration. 39

BCN Product Updates BCN $4,000 Deductible Plan with 0% Coinsurance • On the 2+ portfolio, but is also available to groups 50+. BCN Drug Plans • New $10/$40/$80 plan added to the menu. Removal of Two BCN’s HRA Options • Removal of HRA options for the $5000 and $7500 deductibles options, with 20% coinsurance and 30% coinsurance. 40

New Group 2+ (Page 1) 3-Jul-12 41

New Group 2+ (Page 2) 3-Jul-12 42

New Group 50+ (Page 1) 3-Jul-12 43

New Group 50+ (Page 2) 44

New Group 50+ (Page 3) 3-Jul-12 45

ECOS (Page 1) 46

ECOS (Page 3) 3-Jul-12 47

Removal of Sponsored Plan Requirements- BCBSM and BCN • Effective 10/1/12, groups will no longer be required to be sponsored through a chamber or association in order to have access to all of our small group products. • Groups may still be sponsored, but are not required to be. • Applies to all medical, dental and vision plans. 48