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Penn-Ohio Regional Health Care Alliance

Penn-Ohio Regional Health Care Alliance. Penn-Ohio Regional Health Care Alliance. The Insurance Dollar. Penn-Ohio Regional Health Care Alliance. The Insurance Dollar. Penn-Ohio Regional Health Care Alliance. The Insurance Dollar. Penn-Ohio Regional Health Care Alliance.

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Penn-Ohio Regional Health Care Alliance

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  1. Penn-Ohio Regional Health Care Alliance

  2. Penn-Ohio Regional • Health Care Alliance

  3. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  4. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  5. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  6. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  7. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  8. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  9. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  10. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  11. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  12. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  13. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  14. The Insurance Dollar • Penn-Ohio Regional • Health Care Alliance

  15. The Insurance Dollar

  16. The Insurance Dollar

  17. The Insurance Dollar Integrating Employee Engagement Through HRA's Employer offers "High" Deductible Plan with no employer funding of deductible. What Happens? • Employer sees immediate cost savings. • Employee see the actual costs of healthcare (becomes a gatekeeper) • Employee bears the "first dollar" costs up to the deductible. • With Coinsurance, "out of pocket" maximum is also important. • Depending on market environment, may or may not be a competitive benefit package. • Penn-Ohio Regional • Health Care Alliance

  18. The Insurance Dollar Integrating Employee Engagement Through HRA's Employer “funds” a portion of the deductible. What Happens? • Employee sees the actual costs of healthcare (becomes a gatekeeper) • Employee Rollovers have a “savings” effect on some employees (No “use it or lose” effect). • Employer is in the insurance business (Takes Risk/Reward) • Opportunity to build common goals. • Penn-Ohio Regional • Health Care Alliance

  19. The Insurance Dollar Integrating Employee Engagement Through HRA's Employer “funds” a portion of the deductible. What Happens? • Employee sees the actual costs of healthcare (becomes a gatekeeper) • Employee Rollovers have a “savings” effect on some employees (No “use it or lose” effect). • Employer is in the insurance business (Takes Risk/Reward) • Opportunity to build common goals. • Penn-Ohio Regional • Health Care Alliance

  20. The Insurance Dollar Integrating Employee Engagement Through HRA's Employer HRA funding affects more than the HRA Balance. • 90/10 ER/EE Split – Does this put enough of the employee’s skin in the game to affect behavior? • 50/50 ER/EE Split – • 10/90 ER/EE Split – Does this offer enough of the Y/Y savings opportunity to affect behavior? • Penn-Ohio Regional • Health Care Alliance

  21. The Insurance Dollar Open Dialogue • Penn-Ohio Regional • Health Care Alliance

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