Enhancing Value Through Innovative

Solutions

WHAT PRODUCTS & SERVICES ARE TOP OF MIND FOR YOUR CLIENTS

TODAY?

Market Trends Driving Employer Health Care Strategy

DRIVERS OF CHANGE

• Large and growing health care costs• Heightened consumer expectations• Rise of employer coverage• Regulatory uncertainty

CHANGE IN REIMBURSEMENT MODELS

DRIVING CONSUMER ENGAGEMENT

DEMAND FOR INTEGRATION

RISE OF POINT SOLUTIONS

HEALTH & WEALTH CONVERGENCE

CHANGE IN REIMBURSEMENT MODELS Develop unique network solutions in benefit designs

DRIVING ENGAGEMENT Amplify the impact of products and services through consumer engagement capabilities

HEALTH & WEALTH CONVERGENCE Focus on financial well-being

RISE OF POINT SOLUTIONS Curate best-in-class point solutions

DEMAND FOR INTEGRATION Unlock the value of integration

Translating Trends Into Client Solutions

Unlocking the Value of Integration

CLIENT

FACILITATING PAYMENT

ADMINISTRATION SIMPLIFICATION

PRIVACY & COMPLIANCE

DATA INSIGHTS & REPORTING

MEMBER ENGAGEMENT

VETTING BEST-IN-CLASS SOLUTIONS

CARE MANAGEMENT & MEMBER SOLUTIONS

• Achieve Better Health Portfolio• Specialized Solutions

– Naturally Slim – Catapult Health – Propeller – Ovia

• Member Concierge• College Tuition Benefit• Spending Accounts• Financial Advocacy• Achieve Well-Being Rewards

Organizing Solutions Based on Value Provided to Clients

HEALTH & CORE ANCILLARY PRODUCTS

• Health Plan Design Solutions – HPN 2020 – Select Networks – Choice Advantage (Site of Service) – Centers of Excellence – Value-Based Care

• Telemedicine • Behavioral Health• Acupuncture• Guardian Portfolio• International Travel Solutions• Core Ancillary Products

MEDICAL COST ADVOCACY PROGRAMS

• Claims Fiduciary• Return on Recoveries• Subrogation• Price Protection Program• Utilization Management Programs

Customer-Specific GuaranteesAligned with the value of bundled purchases

NETWORK BREADTH GUARANTEE

DISCOUNT GUARANTEE

ROI GUARANTEE

TREND GUARANTEE

HOW CAN WE BESTCOLLABORATE TO SERVE OUR MUTUAL CLIENTS’ NEEDS?