Emplo Employee ee In Infor ormation mation Se Session ssion May 18, 2020
HealthBridge • Employee benefit - complements your health plan • Helps employees and their covered family members manage balances due after insurance • Automatic enrollment • Single statement and consumer-friendly repayment terms 2
HealthBridge • HealthBridge applies to your portion of • Covered medical services • From a HealthBridge Network Provider • Your portion = copayments, coinsurance and deductibles 3
How it Works WITH LOGO 4
HealthBridge Process Overview 1 6 Receive medical care, covered by your Manage your account – online member portal, health plan, from a HealthBridge mobile website. Pay online, via mail or by phone. Network Provider 5 2 Repay HealthBridge for up to 24 months Do not pay the provider • 10% discount on balances paid in full – at directly for Copays, any time Coinsurance or Deductibles • 3-month interest free period • 7% annual interest rate – never increases (0.58% monthly) 4 3 HealthBridge pays the HealthBridge Receive a single monthly statement Network Provider up front and on from HealthBridge your behalf – for your portion of covered medical claims 5
Example – Paying a Balance within 3 months Lisa’s Fall WITH LOGO 6
Example – Lisa’s Fall 1 6 January 1st , Lisa falls on her In April she decides to pay the remaining shoulder. She visits an Urgent Care balance ($450) at a 10% discount. and gets physical therapy 3 times - She pays $405 and s aves $45! with HealthBridge Network Providers. 2 5 Her health plan requires a $50 She pays the minimum $25 / month Urgent Care copayment. for Feb and Mar ($50) – no interest Each PT coinsurance is $150. (She doesn’t have any other new medical claims in Jan, Feb or Mar) She does not pay the providers directly. 3 4 HealthBridge pays the providers for Lisa receives a statement from HealthBridge. Lisa’s $50 copayment and the $150 Total statement = $500. coinsurance three times for PT. Example for illustrative purposes only. Does not represent an actual event Source: Kaiser/HRET survey of employer-sponsored health benefits, 2006-2016 7 or an actual deductible for a service covered by a health plan.
Using HealthBridge WITH LOGO 8
HealthBridge Provider Network Mercy Health & St. Mary’s in Grand Rapids and the Lakeshore • Mercy Health • St. Mary’s • Mercy Health Physician Partners Metro Health (effective June 1) North Ottawa Community Hospital Growing provider network! 9
HealthBridge Membership Cards • Covered members 18+ will receive a HealthBridge Welcome Letter • Paper membership cards • Instructions to log in to Member Portal • View / download virtual card via Member Portal 10
Sample Member Portal Marcy Williams Marcy Jose.. Jeff 876.51 36.52 788.86 $876.51 36.52 Mercy Health Saint Mary’s Mercy Health Radiology 11
Sample Member Statement Mercy Health Saint Mary’s Mercy Health Radiology 12
Highlights • Complements your health plan • Manage out-of-pocket covered medical expenses • Growing HealthBridge Provider Network • Doesn’t change your health plan • Automatic, guaranteed benefit enrollment • No credit checks or applications • No cost to you • Manage payments • Monthly statement • 3-month interest free period • 10% discount on remaining balance when paid in full • 7% annual interest rate – never increases • Pay via Mastercard, Visa, HSA, FSA or checking account • Payments accepted online, via phone or by mail • Ability to set up recurring payments 13
HealthBridge Call Center (800) 931-8890 Located in Grand Rapids, Michigan 8am - 8pm Monday – Friday 9am - 1pm Saturday
THANK YOU Val Cramer, VP of Sales val.cramer@myhealthbridge.com 616.717.2077 myhealthbridge.com
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