1. CBIA Health Connections
April 26, 2007

2. Presentation Overview
CBIA Health Connections – Who we are
Choice, Choice, Choice
Rating
What we do - Administration / Technology
Challenges and Considerations

3. CBIA Health Connections
Introduced Jan. 1, 1995
4 Health Plan choices
6000 companies
88,000 members
Agent / Broker distributed

4. CBIA Health Connections
Employee Choice Model Purchasing Group

5. CBIA Health Connections
Standard Benefits with Health Plans
Employee Chooses the Insurer
Price
Network
Formularies

6. CBIA Health Connections
Plan of choice for the owner
Business loves competition
Never have to “switch”
Consolidated administration / bill
Global budgeting for the employer
Employee gets choice

7. CBIA Health Connections
Employers eligible (3-100)
Multi Vendor (4 Health Plans)
CIGNA, ConnectiCare, Health Net, United Healthcare
Employee Choice (38 options)
Standard Plan design

8. Pricing CT - Small case reform laws Age Rating (5 year) Gender Area
Family Tiers
No Rating Bands / underwriting
Reinsurance Pool

9. CBIA Health Connections
2 Suites of Plan Design Options
HC - 24 options
HMO $10, $20, $30
POS $10, $20, $30
HC options
HMO $20, $20/40, $30/45
POS $20, $20/40, $30/45
HSA’s, HRA’s

10. CBIA Health Connections
Shift by Plan Type
Shift by Benefit Level

11. Administration / Technology
CBIA Health Connections looks like one large employer but there are a lot of details……

12. Administration Distribution Materials – Web & Print
Proposal (benchmark plan)
Decision Tools - CDHP Plans
Training
Website
Information
Employee, Employer & Broker
Online transaction
Wellness / Lifestyle

13. Employer Global Pricing
Ability to benchmark the most cost effective option of a plan design
Set employer contribution based on that plan

14. Specify a Contribution Strategy

15. The Employee Specific Illustration shows choices based on the contribution strategy

16. Administration Administration Billing (consolidated)
Collection / Late Notice
Reconciliation (receivable at EE level)
Remittance
Eligibility
Customer Service / CRM
Data Sync
Commissions / 1099’s

17. CBIA HC Administration
Business Partners & Customers
Request Mediums
Request Coordination
Carriers
Contact Managemt
Billing & Admin
Agents
Web
Health Plans
Workflow
Employers
Phone
Ancillary Carriers
Fax
Employees
Customer Service
Agent Reps
Data Entry
Paper
Action & Follow-up

18. Administration Proposal presentation Meet market practices
Information must be in Health Plan systems
Financial integrity

19. The Changing Market Cost Pressures Legislative Challenges
Healthcare Cost Pressures
Consolidation of Health Plans
Consumer Driven Options
Wellness / Lifestyle

20. CBIA Health Connections
Why HC works in the Private Sector:
Company’s wary of government involvement
Common benefits (standardized but not exact)
Other services i.e Life, STD, LTD, Dental, COBRA, Section 125, HRA’s, HSA’s
Ability to change and adapt quickly
Utilization management and reporting
Wellness initiatives
Communications