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Trustmark Affinity Markets
A Powerful Combination for Success
Agenda
• Introductions and Purpose
• Trustmark Overview
• Association Value Proposition to Membership
• Features
– Comprehensive Program
• Program Summary
• Q & A
Trustmark Overview
Trustmark Affinity Markets and Starmark are divisions of Trustmark Life Insurance Company.
• Rated “A-” (Excellent) by A.M. Best, the industry’s most-watched analyst of financial stability
• Began in 1913 as the Brotherhood of All
Railway Employees
• A health insurance and benefits administration leader
• More than $1.74 billion in assets
• More than 5,000 employees
• Two million policyholders
• Mutual holding company managed for the benefit of policyholders
Trustmark Affinity Markets Advantages
• More than 50 years of association experience
• Smart, easy way to offer members comprehensive, affordable healthcare coverage
• Participating member groups join together to obtain coverage
• Starmark is celebrating their 25 year selling and servicing the small group market this month
Value Proposition – Association Level
• Long term partnership and solution
• Offering Flexible product designs, with Personal service, from a Trusted carrier
• Scheduled reviews and strategy sessions to develop programs that meet the needs of the Association
Value Proposition – Member Group
• Member group receive a fully insured Starmark contract (2+ employees)
• 1000’s of Medical Plan Combinations available
– $250-$10,000 deductibles
– 100/80 – 60/40 coinsurance
– $5,000 - $20,000 coinsurance limits
– $20, $30 and $40 office visit encounter fee
– Five RX card co-pay options
– Large groups (100+) have even greater flexibility
Health Management
• Health Management Solutions
– Health & Wellness Outreach
– Care Champion
– MyNurse 24/7
– MaternaLink
– Quarterly e-newsletter
– Online Decision Tools
• Health A-Z
• Hospital Quality Guide
• Rx Price Comparison
• Physician Quality Guide
Cost Containment
• Access to extensive, nationwide physician and hospital networks, including Aetna Signature AdministratorsSM (ASA) PPO Network, plus more than 20 regional networks
• Caremark/CVS Pharmacy benefits
• Lab services through Quest Diagnostics
• Case Management
• Centers of Excellence
• Fraud Protection
• Easy, paperless enrollment with Express Connect
5
Cost Control OverviewComprehensive & Integrated Programs
Claim CostControls
NetworkDiscounts
CareManagement
Util ization Review
Case Management
Disease Management
Predictive Modeling
Fraud & AbuseThe Sentinel Group®
Out of Network DiscountsShared Savings Plan
Claim Payment Controlse.g., unbundling, upcoding, duplicates, etc.
Transplant Network DiscountsUnited Resource Networks
Mental Health NetworkCORPHEALTH
®
Pharmacy Network Discounts
Network Discounts/Savings
Third Party Payment RecoverySubrogation, Medicare, Workers Comp
Pharmacy ManagementNegotiated Bill Services
Benefit Payment Accuracye.g., not allowed, COB, etc
Maternity ManagementDaily Developments
Out-of-Network R&CPhysician and facility
Client
Indiana PPO networks
• Aetna ASA
• First Health
• PHCS – Multi Plan
• Health Link
• Sagamore
Member Underwriting
• Member Groups are underwritten using the following
– Current census of employees
– Plan selection
– Group / Area demographics
– Network chosen
– Medical conditions
– Claims experience will be used to underwrite larger groups (100+)
Express Connect
• Unique paperless individual underwriting– Streamlines process
– 10 minute average interview
– No tracking down paper applications
– Safeguarded confidentiality and medical information gathered during the process
– Accurate premium rates reflecting health status
– Enrollment card completed during the process
– English and Spanish on site, 177 other languages through a language line
Marketing
• Developed to enhance membership value. “Brought to you by Association”
• Surveying of member base to determine needs prior to kick-off
• Email blasts
• Website links / landing pages
• Customized proposals
• Available to the group’s current broker
Lead Generation Process
• Marketing materials mailed/e-mailed in advance of calls
• Lead generator contacts the member firm and captures:
– Renewal date
– Group size
– Characteristics (census)
– Current carrier
• Trustmark sales consultant will work with group’s current broker, if desired
– Educates on association program
• Quote presented to group
• If interested, group proceeds to paperless enrollment via Express Connect
• Final rates presented
10 Great Reasons to Choose Starmark®
• 1. Affordable coverage through flexible health plans employers can customize to meet their needs and budget, including HSA-friendly plans.
• 2. Strong network access and in-network discounts with access to national and regional PPO networks, plus network access while outside the primary PPO area.
• 3. CareChampion 24/7® health advocacy program to help employers and members navigate the healthcare system.
• 4. Healthy Foundations®, a comprehensive suite of health and wellness management tools, helps maximize the health potential of every plan member. Plus, plans include a discount program for vitamins, and vision and hearing services/supplies.
• 5. Easy enrollment online or via telephone through Express Connect®.
10 Great Reasons to Choose Starmark®
• 6. Seamless integration of claims processing and HRA administration with the Starmark HRA.
• 7. Unparalleled personal service, including a personal welcome call for each new group. Plus, Starmark follows up to ensure customer satisfaction continues throughout the year.
• 8. Small group specialist, small business is our only business
• 9. Convenient online tools help producers sell new groups and retain existing business.
• 10. Quick access to information through www.starmarkinc.com makes plan administration easy for employers. Plus, members can view claims and a summary of benefits, as well as access tools and information to better manage healthcare costs.
Trustmark Affinity MarketsAn Affinity for Excellence
Thank you