Self-Funded Solution #8: Create the member health wealth connection
Let’s talk reducing trend through member engagement. Every self-funded client wants healthier employees and to save money. Each of these objectives can be challenging, but the good news is that one entity leads to another when you partner with UMR.
Even better news: The most effective way to reach these goals is to provide opportunities for members to get engaged in their own healthcare and to seek out the best care at the best value.
Let’s consider 3 member engagement strategies. Each offers relatively small plan design modifications that can yield a positive impact:
- Higher co-pay for going out-of-network
- Supported by tools to help members find the right in-network provider, by showing both cost and quality.
- Higher co-pay or non-coverage for non-emergency ER trips
- Supported by a telemedicine visit or access to NurseLineTM to discuss where to get care.
- Zero co-pay for generic drugs
- Supported by access to tools with drug comparison and cost information.
By phasing in plan simple design refinements, you can easily improve member engagement. You can change your clients’ employees’ mindsets about personal health and seeking care, without creating the disruption that often stems from larger changes. Better employee personal health management and smarter health care system utilization improves lives and reduces cost pressures. Everybody wins.
Look to UMR for innovative self-funding solutions.
Start the conversation today by contacting Ted Georges at ted.georges@umr.com or call him at (614) 410-7445 for more information.
For more information, visit the UMR page on the UBA Wisdom Network.
