Cigna for Local Government
THE EDGE
Find it on the pathway to better health and lower cost.
SPECIALIZING IN THE NEEDS OF LOCAL GOVERNMENTS
50+%
We hear you...it’s no easy task
•Budget pressures
•Rising health care costs
•Low health engagement
of government entities have made or
are planning to make changes to
health benefit plans to lower costs and
to help improve the health of their
employees.
Together, we can improve employee
health, boost employee productivity and
help you balance your budget.
We have the experience
• Health service company, in business for
more than 200 years
We have the partnerships
• Long standing partnerships with government
professional organizations – ICMA, NLC, NFBPA
• 1.6 million government and education
customers are enrolled in a Cigna benefit plan
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
2
What do
YOU
need
to give your organization an
EDGE
over your shrinking budget and financial pressures
?
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
3
THE EDGE.
__ Healthier workforce
a
__ Lower benefit costs
a
__ Better employee retention
a
__ Fewer sick days
a
__ Higher productivity
a
__ A health benefits plan uniquely
a
designed for my organization
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
4
THE OBSTACLES.
POOR HEALTH
How does this impact
66% overweight
your organization?
55% gaps in care
50% not exercising
NEGATIVELY IMPACTING
EMPLOYEES
49% chronic condition
33% metabolic syndrome
20% medication for mental health
How does this impact
20% still smoke
your organization?
1
2
3
4
5
6
7
1 - Wang, Y and Beydoun, M. The Obesity Epidemic in the United States—Gender, Age, Socioeconomic, Racial/Ethnic, and Geographic Characteristics: A Systematic Review and Meta-Regression Analysis.
Epidemiologic Review. 2007 29(1):6-28; doi: 10.1093/epirev/mxm007 http://www.jhsph.edu/publichealthnews/press_releases/2007/wang_adult_obesity.html
2 - http://www.healthleadersmedia.com/content/TEC-261894/EvidenceBased-Care-Gaps-Pervasive-Researchers-Say.html##
3 - National Health and Nutrition Examination Survey (NHANES) 2003–2006 and 2007–2008. http://win.niddk.nih.gov/statistics/
4 - Anderson, G. Chronic Conditions: Making the case for ongoing care. Johns Hopkins University. November 2007.www.fightchronicdisease.org/sites/default/files/.../Almanac_FINAL.p...
5 - Metabolic Syndrome and Employer Sponsored Benefits, An Actuarial Analysis, Milliman, March 2006
6 - America’s State of Mind, Medco, November 2011
7- (https://www.prb.org/Articles/2011/us-smoking-trends.aspx?p=1)
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
5
WHERE TO FOCUS?
people
differences
YOUR ORGANIZATION’S
UNIQUE DNA
needs
Your
ambition
SEAL
goals
culture
Presenter: Customize this slide with client logo (above)
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
6
YOUR ONE-OF-A-KIND ORGANIZATION.
Your
SEAL
• 6% employee growth last year; 5% retirements projected 2013
Example
• Fastest growing county (population) in the state
• Substantial investment in roads and infrastructure in the past 5 years
• Highly competitive public and private workforce environment
• American City/County Magazine “Top 100 Places to Work”
• Progressive view of employee wellness programs
• County Manager Speaker at “Stop Childhood Obesity Now”
• Leveraging multiple vendors/carriers for “best” health benefits offering
Presenter: Include this slide for client presentation. Customize slide with client name/seal and clientspecific information (brief bullet points) listing your understanding of client’s organization: census
data, the client’s goals and culture based on broker/consultant input, online/published information
and/or other sources.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
7
YOUR ONE-OF-A-KIND ORGANIZATION.
Your
SEAL
What’s working
Example
• Successful with Phase One creating a culture of health in 2011
• County leadership fully aligned in understanding value of every employee
performing at full potential
What’s not working
• Low completion of Health Assessment & Biometrics
• High tobacco use
• Low engagement in health programs
• Long duration of disabilities
• Lack of employee understanding of true health care costs
• High administration costs in bundling “best of” vendors/carriers
What’s next…
Presenter: Customize this slide – or expand to three slides – what’s working in terms of client’s
employee health strategy, what’s not working, and what’s next (next slide – Core Beliefs).
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
8
CIGNA CORE BELIEFS MODEL: YOUR ORGANIZATION’S DNA.
What’s Next
1
2
3
4
5
Strongly
Believe
6
Strongly
Believe
Employer Role
Administer benefits
Influence personal behaviors to
affect health outcomes
Incentives
Cannot impact health
improvement
Can impact health improvement
Network
Unguided choice
Future Cost
Management
Slow spending through
cost shift to employees
Carrier Role
Build network, pay claims
Funding
Fixed cost
Guide and encourage choice based
on quality / cost
Slow spending through consumer-based platform
Improve health status and outcomes
Maximize cash flow
Through understanding and aligning the core beliefs of you organization today –
and your vision for the future, where you strategically want to go – together we can
craft the development of an effective and successful health benefit strategy.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
9
IT STARTS WITH A ONE-OF-A-KIND EXPERIENCE.
RECOGNIZING UNIQUE GOALS AND NEEDS
Embrace each
customer’s individuality
Be helpful, easy, and
enjoyable – every time
Earn trust & privilege to
help them reach their goals
100%
97%
72%
customer driven
customers satisfied*
met health goal*
* Care management
* Your Health First
Chronic Condition Program
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
10
EARNING THE PRIVILEGE TO HELP.
BEING THERE – HOW AND WHEN WE’RE NEEDED.
Ensuring employees have access to us, regardless of their schedules
__ Available any time
a
__ Use of plain language
a
__ Support by telephone & web
a
24/7/365 live service
150 languages
Words We Use
Natural language IVR
Online and mobile
access
DEMO
“Cigna had the greatest improvement in “enjoy-ability” among all health plans.”
Forrester Research, 2011.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
11
CHART YOUR PATHWAY TO BETTER HEALTH.
1
Personalize
health & well-being
support
2
Simplify access
to affordable
quality care
BETTER
ENGAGEMENT,
HEALTH &
PERFORMANCE
ONE-OF-A-KIND SOLUTION
CUSTOM-DESIGNED TO YOUR DNA
3
Design innovative
benefit plans and
funding
4
Integrate solutions
to optimize impact
and results
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
LOWER
COST
12
1
PERSONALIZED HEALTH & WELLNESS SUPPORT.
Custom-fit to your people.
personalize
support
Right program
Health
10%
Biometric
30%
Health
Assessment
with Trend
Management
System
Psychological
40%
Right coach
Behavior
20%
needs
goals
preferences
Right schedule
Right way
to connect
POWERED BY HEALTHEVIEW: ONLY FROM CIGNA
Our custom-fit, laser-focused approach delivers up to
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
6% savings.
13
1
HEALTH PROMOTION MANAGER:
CONSULTATIVE PROGRAM DESIGN.
Custom fit to your organization’s Culture of Health.
personalize
support
Needs
Budget
Goals
Tailored health and
well-being solution
•
•
•
•
Your
Organization’s
Health Strategy
Culture
•
•
•
•
•
Cultural Assessment
Health Assessment
Medical Claim Review
Employee Interest
Survey
Focus Groups
Targeted
Clinically-based
Highly effective
Improves budget
Challenges
• Budget
• Health Steering
Committee
• Wellness Committee
• Wellness Champions
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
Mission Statement and Brand
Key Goals and Objectives
Annual Calendar of Events
Communications
Incentives
Measure and Evaluation
14
2
SIMPLIFY ACCESS TO AFFORDABLE QUALITY CARE.
simplify
access
National and Worldwide Credentialed Networks
medical
urgent
labs
641,000 doctors
5,500 hospitals
1,000+ clinics
LabCorp
Quest
pharmacy
dental
behavioral
international
62,000 retail
Home delivery
Largest dental network
in the U.S.
107,000 behavioral
service locations
Largest:
1M+ doctors and facilities
GUIDE SMART HEALTH CARE DECISIONS
Better access. Better care. Better choices:
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
3% savings.
15
2
NEXT GENERATION CARE DELIVERY – TODAY.
simplify
access
Embedded
care coordinator
Patient
Doctor/Hospital
resources
More engaged
• Better health
• Better cost savings
• Better satisfaction
Cigna
resources
COLLABORATIVE ACCOUNTABLE CARE
Incentives
Pay for value –
not volume
Information
Enhanced
data sharing
Clinical Integration
Embedded care
coordinator
3% quality improvement1
10% higher gaps in care closure2
7% fewer avoidable ER visits3
7% lower medical trend1
$336 annual savings/patient
1 - Cigna Medical Group (AZ) results
2 - Dartmouth-Hitchcock results
3 – MCNT results
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
16
3
DESIGN INNOVATIVE BENEFIT PLANS AND FUNDING.
design benefits &
funding
Incentives and
Incentive-Based
Plan Design
Consumer-Directed
Health Plans (CDHP)
Cigna Choice Fund®
Health Savings Account (HSA)
Health Reimbursement Account (HRA)
Flexible Spending Account (FSA)
Up to 4x higher engagement;
Drives best outcomes
Shifts behavior – not costs
Shared Returns
Funding
$
More cash-flow
and/or cash back
REWARD SMART DECISIONS
Cigna Choice Fund lowers medical cost trend by up to 16% in the first year.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
17
4
INTEGRATE SOLUTIONS.
Optimize total health and savings.
integrate
solutions
MEDICAL
BEHAVIORAL
PHARMACY
100% HEALTH FOCUS
DISABILITY
DENTAL / VISION
Combine for up to 3%
medical cost savings
Outcomes are even better when
plans work together.
Improved gaps in care
Fewer absences
Shorter disabilities
Faster return to work
Lower total cost
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
18
4
OUTCOMES ARE BETTER
WHEN PROGRAMS WORK TOGETHER.
integrate
solutions
CIGNA MEDICAL
CIGNA SENIOR AND RETIREE
Lower your total overall costs with
custom-designed senior and retiree
solutions.
HealthSpring® Advantage (HMO)*
Medical savings up to 40% vs. Medicare
supplement plan options
Cigna Medicare Surround®
With an older than average
workforce, and the number of
retirees significantly increasing…
you need the right solution
Medical savings up to 15% vs. Medicare
coordination plan options
Cigna Medicare Rx® (PDP)
Rx savings up to 55% vs. traditional pharmacy
plan options
Rx savings up to 46% vs. Retiree Drug Subsidy
(RDS) pharmacy plan options
*Note: HealthSpring Medicare Advantage plans are offered by HealthSpring, a Cigna company, and are available in select counties in the following greater metropolitan areas:
Nashville and Memphis, Tennessee; Houston and Dallas, Texas; and Birmingham and Mobile, Alabama.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
19
4
OUR SPECTRUM OF ONSITE CAPABILITIES
Ease of access = better health and productivity
integrate
solutions
EDUCATION
AND SCREENINGS
Flu Shots
Biometric
Screenings
Wellness
Seminars
LIFESTYLE
PROGRAMS
Hourly
Coaching
Lifestyle
Program
Suite
HEALTH
CENTERS
Health
Pharmacist
Coach and
Promotion
Coordinator
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
Nurse
Practitioner
Primary
Care
Physician
20
RESULTS ALONG THE PATHWAY.
72% actively work with a health coach
50% choose non-surgical treatment
8%-16% higher use of preventive care
1
2
6x more complete a health assessment
22% higher medication adherence
4
3
3
THE EDGE
THE EDGE
BETTER ENGAGEMENT
1 - Case Management
2 - Health Advisor/Treatment Decision Support
3 - Cigna Choice Fund vs. Traditional plan
4 - Cigna CoachRx
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
21
RESULTS ALONG THE PATHWAY.
Improved lifestyles1
Less disease
85% quit tobacco
65% better able to
72% meet/progress
to health goal3
25% average gaps in
manage stress
care closure rate4
8.1 lb average
90% of graduates
weight loss
20% better drug
THE EDGE
THE EDGE
improved 2 or more risk
factors5
adherence2
BETTER HEALTH
1 - Lifestyle Management Programs
2 - Clients with Cigna medical and pharmacy vs. Cigna medical alone
3 - Your Health First Chronic Condition Support
4 - Well Informed Gaps in Care program
5 - Metabolic Syndrome Program
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
22
RESULTS ALONG THE PATHWAY.
75% reduction in time away from work
20% reduction in disability absence THE EDGE
1
2
27% shorter disabilities
7.34 hours saved
3
THE EDGE
4
BETTER PERFORMANCE
1 - Onsite Health Centers
2 - Cigna 2010 Integration Value Study (excludes pregnancy claims)
3 – Cigna Disability and Healthcare Connect Results
4 - Employee Assistance Program
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
23
RESULTS ALONG THE PATHWAY.
6% medical cost reduction
THE EDGE
16% lower medical cost trend in year one
14% lower pharmacy cost trend in year one
33% lower costs per procedure THE EDGE
Up to 42% lower behavioral costs
1
2
2
3
4
LOWER BENEFIT COSTS
1 - PHS+, Your Health First, Health Advisor
2 - Cigna Choice Fund vs. Traditional plan
3 - Cigna Centers of Excellence hospitals vs. traditional
4 - Cigna Behavioral Advantage, Complex Psych
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
24
A PROMISE ONLY WE CAN MAKE.
In 12 months
Create culture of wellness
Reduce individual risk for disease
Reduce avoidable cost
BETTER HEALTH.
GUARANTEED.®
Up to
40%
move to
lower risk
GUARANTEED
$1,100 in health funds per person
who fails to reduce risk
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
25
BETTER HEALTH. GUARANTEED.
The Partnership
You, your employees and Cigna.
The Objective
Measurably improve health.
The Approach
Select the path that is right for you.
Establish a culture of health for all.
Activate proven health solutions.
The Target
High and medium health risk
individuals.
The Measurement
Risk reduction in 12 months.
Guaranteed.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
26
WHY CIGNA?
Every individual performing
at their full potential
One-of-a-Kind Customer Experience
IMPROVED
HEALTH
Custom-designed to your DNA
Better Health. Guaranteed.
STATUS
QUO
THE EDGE
Lower medical cost
year after year
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
27
ONE TEAM SPECIALIZING IN LOCAL GOVERNMENT TO SUPPORT YOU
Client Manager
Client
Engagement
Manager
Implementation
Manager
Client Service
Executive
Health
Promotion
Manager
Responsible for
Complete Satisfaction
Provides Strategic
Communication
Expertise
• Oversees all aspects of your account
• Provides expertise on Cigna solutions
• Answers your financial questions
• Helps design health & wellness plans
• Coordinates open enrollment and employee
education initiatives
Initiates Service Quality
via Plan Implementation
• Manages Initial and subsequent
implementation activity
• Ensures uninterrupted eligibility and services
Oversees End-to-End
Service Delivery and
Benefit Administration
• Provides expertise on service
administration capabilities
• Single Point of Contact for service
• Identifies and drives service improvements
Provides individual
support for health and
wellness
• Provides expertise in Wellness strategies for
staff and faculty
• Collaborates with you on building a wellness strategy
• Supports and manages wellness program
<NAME> AND CLIENT SERVICE TEAM
XXXXXX – Executive Sponsor
XXXXXXX – Lead Sales Executives
XXXXX
Client Manager
XXXXX
Reporting Consultant
XXXXX
Lead Underwriter
XXXXX
Client Strategy Specialist
Overall Account
Responsibility &
Financials
Member
Communication
and Education
Editable
XXXXXX
Health Education and
Promotion Director
Health & WellBeing
Program
Calls/Claims
XXXXX
Client Service
Call, Claim, Eligibility, Billing
Service Lead
TBD
Client Service Advocate
Dedicated
Customer Service
Representative
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"Cigna" is a registered service mark and the "Tree of Life" logo and “GO YOU” are service marks of Cigna Intellectual Property, Inc.,
licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by such operating subsidiaries
and not by Cigna Corporation. Such operating subsidiaries include Connecticut General Life Insurance Company, Cigna Health and Life
Insurance Company, and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. All models are
used for illustrative purposes only.
855643 07/12
© 2012 Cigna. Some content provided under license.
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