1. Low Income Subsidy Plans
Special Health Care Plans for the Working Uninsured

2. Public Law 08-33 CGS The High Risk Pool is the sole issuer
of more affordable comprehensive coverage
for uninsured small businesses
with 10 or fewer employees
half of whom earn less than 300% of FPL
The Premium is expected to be 40% below the market
primarily from Medicare Reimbursement Rate
but also web based enrollment and administration
and moderate “finders fee” for brokers
with No Profit for the Pool
Employers transition to unsubsidized market in 3 years

3. Benefits and Rates Develop Managed Indemnity and PPO Plans
with all of the 40 small group mandates in CT
Calculate initial premium rates
Develop 3 year premium stabilization options
utilizing line of credit or reinsurance to fund claims for first three years
and If profitable, retain profits to fund future losses
then assess if there is a net loss after three years

4. Marketing and Communications
Build awareness and successfully market these special plans to our pool’s various audiences
through brokers and agents, small business people
and other “influencers” in the state
such as CPAs, financial advisors, Chambers, etc.
Survey to understand the market
Cost is the primary reason for not purchasing a plan
Flexibility and ease of administration is almost as important

5. Marketing and Communications Observations
There is no typical small business
Many are new and many are well established but small
Many have employees but many are self-employed or are a family business
There are some predictable practices in employer sponsored group insurance
Less than half of the owners of groups of less than ten have offered insurance to them
If an employer offers and contributes then the employees will enroll

6. Marketing and Communications Strategy
Focus on and engage product “evangelists” to successfully drive people to the website and sign up.
Stress Key Attributes: Affordability, Comprehensive Benefits and “Web Easy” or simple paper eligibility, enrollment and billing
Develop integrated web based system that reduces agent effort and pool administrative costs

7. Name & Tagline
I like both ACT and Health Now. How about calling our Landing Page “Your Health Now” and then calling our plans ACT (Affordable Coverage Today).

8. Message Simplification
Problem
Many small business employers simply can’t afford to provide health insurance for their employees.
Solution
We offer more affordable coverage for the working uninsured.

9. Inspiration before information
You had an idea. You’re making it work.
Now it’s time to focus on health insurance for you and your employees.
You took a chance and started a small company, don’t gamble with your most important asset – your health and the health of your employees.

10. The New Website About the Plan
Provide all the information that “evangelists” (agents, brokers, CPAs, financial advisors, Chambers of Commerce) will need for their clients
Quick and Easy Eligibility Determination
Simple questions to self determine eligibility of the business
Quick Quote
Model quoted premium based on various employer contribution and employee participation rates

11. The New Website Agent Compensation and Registration Area
Explanation of “Finders Fee” basis of compensation
Quick and easy registration of the agency or the individual that will receive compensation if a group applies and qualifies
Quick print or quick mail marketing packets
Easy Employer Administration Area
Option of doing web based administration or to print self-administration packet
Quick tour of the affordable, comprehensive healthcare plan and the advantages of group insurance to employers
Structured walk through with web input of forms for entire application, enrollment and ongoing administration process

12. Application, Quoting, Enrollment Processes
The New System for
Application, Quoting, Enrollment Processes
Small
Employer
Groups &
Individuals
Receive marketing communications
Learn about plans (MI, PPO),
Determine eligibility,
Get a quote,
Apply,
Enroll the group
communications
Spousal waiver forms
Agents & Brokers
Web access at hospitals,
physician offices, colleges,
community centers, etc.
Receive marketing communications
Learn about plans (MI, PPO),
Determine group’s eligibility,
Get a quote,
Submit group’s application,
Enroll group,
Receive finders fee payments
communications
Employees & Individuals
Web-Based and Printed paper Application, Quoting, Enrollment System
Learn about the plans (MI, PPO),
Enroll self, family when group approved
Optional: Provide confidential health
Information for self, family members to UHC
Pre-populated group and employee info,
Plan info, FAQ’s, application and waiver forms
Online quoting and application tools
Applications,
and phone calls,
Enrolled Groups,
Members
Web Based
Administration
System
Claims
Processing,
Medical
Management
Review & approve applications
Review enrollments
Electronic Approval and mailing
Call center and customer service
Reporting and Control
Eligibility feed:
Enrolled Groups,
Members
Pool
Administrator
Claims
Administrator

13. Questions?