1. Program Overview

2. USHL and Together Health Network (THN)
Offering Michigan employers an innovative approach to self-funded group healthcare coverage.

3. Together Health Network offers value-based,
comprehensive, coordinated care
with a focus on quality over quantity.

4. Why Coordinated Care?
Team-based coordinated care is integrated across all patient visits.
Patient health and wellness is the vision and goal of providers.
Patients choose from a select number of quality regional hospitals, health facilities, physicians and other medical professionals.
Through shared information, each patient’s health is coordinated by the entire team, ensuring patient-centric care.
Coordinated care makes it easier for members and insurers to get the best care at the best price.
THN is powered by three of the nation’s leading health systems– Ascension Health, Trinity Health, and University of Michigan* Health Systems.
* Only select specialty services provided by University of Michigan Health System qualify for the Tier 1 benefit level; all of these services require prior authorization.

5. THN: Connecting Michiganders to Better Care
Convenient: 75% of Michigan residents are within 20 minutes of a THN provider.
Quality: 28 of Michigan’s highest ranked hospitals including Ascension Health and Trinity Health Systems.
Integrated: THN includes more than 3,000 physicians in all categories of healthcare.
For additional coverage maps, go to

6. SafeGuard THN: Tiered Benefits
Members enjoy the best discounts and lowest out-of-pocket costs within Tier One– while receiving comprehensive, coordinated care from acclaimed THN providers and facilities within a patient-centered medical home (PCMH) care delivery model. When services are needed from a non-THN provider within Michigan, members receive Tier Two benefits when serviced by a Cofinity provider or facility. Tier Three benefits apply for all non-THN or non-Cofinity providers within Michigan and nationwide.

7. What Is a Patient Centered Medical Home?
A patient-centered medical home (PCMH) is a way to care for patients so they feel “at home” with their care. PCMH changes the emphasis from quantity to quality, and fosters a care environment based on information sharing among chosen clinicians. PCMH does not require provider elections or assignments The physician generally seen for primary care becomes the patient’s medical information coordinator and advocate Patients remain free to see other providers based on scheduling reasons or reasons of preference The relationship between patient and primary care physician is strengthened Providers are compensated for the extra effort required to deliver coordinated care THN is comprised of hundreds of physician practices designated as PCMH that act as a patient’s first point of contact

8. SafeGuard THN: Traditional Coverage
Available copay and Rx packages for traditional coverage detailed on next page

9. SafeGuard THN: Traditional Coverage

10. SafeGuard THN: HDHP Coverage

11. Benefit Design Options
Auto Accident Coverage*
With this option, medical coverage becomes primary for auto-accident related claims
24-Hour Work-Related Coverage**
Covers claims for work-related illness and injuries for those not covered under group workers comp policy
* Available in Michigan only ** Subject to underwriting approval

12. SafeGuard THN Coverage Highlights
Physician Services
Primary physician office visits
Specialist physician office visits
Inpatient and outpatient services and surgery
Allergy testing and injections
Emergency room physician services
Urgent care physician services

13. SafeGuard THN Coverage Highlights
Facility Charges
Inpatient and outpatient facility services and surgery
Emergency room charges
Urgent care charges
Inpatient and outpatient diagnostic services and advanced imaging (i.e. radiology, pathology, MRA/MRS, MRI, PET, CAT, SPECT)
Preventive Care
First-dollar wellness / preventive, including well-baby visits, mammograms, colonoscopies, immunizations, additional per national recommendations and preventive care guidelines.

14. SafeGuard THN Coverage Highlights
Other Services
Inpatient and outpatient substance abuse treatment
Chiropractic care
Semi-private and intensive care unit room and board
Hospital services and supplies
Hospice care
Home healthcare services
Physical / Occupational / Speech therapy
Physiotherapy
Private duty nursing
Ground or licensed air ambulance services
Durable medical equipment and supplies
Blood, blood plasma

15. SafeGuard THN Coverage Highlights
Other Services, cont’d.
Pre and post-natal care
Circumcisions
Chemotherapy and antineoplastic drugs
Extended care facility charges
Treatment for mental, nervous and personality disorders (inpatient and outpatient)
Temporomandibular Joint (TMJ) and comparable disorders
Nurse / midwife services
Voluntary sterilizations
Human organ and bone marrow transplants

16. SafeGuard THN Mechanics
SafeGuard THN program mechanics mirror those of basic SafeGuard.
Refer to the SafeGuard Training Toolbox* for information regarding:
Self-Funding Basics (module 1)
SafeGuard Program Overview (module 2)
Quoting and Underwriting (module 4)
New Business Process (module 5)
Excess Loss Insurance (module 6)
Monthly Billing (module 7)
Reporting, Re-contracting and Settlement (module 8)
* Located at

17. For additional information on SafeGuard, select an option below:
Speak with a Sales Representative
Contact USHL Sales Support at (844)
or send an to
Learn more about SafeGuard
Review SafeGuard Benefit Summaries
Review Frequently Asked Questions
Obtain a Quote
Excess loss insurance policies and PPO insurance plans underwritten by US Health and Life Insurance Company, Inc.  SafeGuard plans administered by US Health and Life Insurance Company, Inc. © 2017 US Health and Life Insurance Company, Inc. All rights reserved.

18. Program Overview