HealthPartners‰
CareChoices plan
CareChoices an ACO marketplace
A better way to provide quality health care coverage for your employees, while
increasing consumer engagement and keeping costs in check.
With rising health care costs, you need a health plan solution that works for both
you and your employees. That’s why we’ve gone outside the box and created an
accountable care organization (ACO) product unlike others in the market. It’s
called CareChoices and it’s a marketplace of ACOs backed up by HealthPartners
nationwide network, giving your employees more choices and freedom. You
control your annual health care costs through a defined contribution approach,
while giving your employees choices for quality care.
More cost control for you, more choices and freedom for your employees.
Giving you:
Innovative engagement
It’s hard to know how to manage health care costs if you can’t see the big picture. With CareChoices now you do. CareChoices
features the top six ACOs. This plan leverages cost of care transparency and financial incentives to engage members and deliver
savings. It’s not just individual ACOs or narrow networks, it’s a marketplace of high-quality ACO options. This helps employees
seek care from lower cost care systems and stay engaged throughout the year. It also helps drive competition and innovation across
ACOs, which provide better future cost trend for you and better patient experience for your employees.
2015 CareChoices Preferred System Options
$500
Employee
Contribution
Defined
Contribution
Amount
$400
$106
$106
$122
$127
$128
$150
$300
$200
Employer
Contribution
$300
$300
$300
$300
$300
$300
Select
Independent Clinics*
HealthPartners
Medical Group
Park Nicollet
Clinics
Fairview Health
Network
HealthEast
Care System
Allina
Health System
$100
*This option includes Northwest Family Physicians, France Avenue Family Physicians, Buffalo Clinic, Burnsville Family Physicians, Ridgeview Clinics,
North Memorial Clinics and Entira.
Better savings through defined contribution
Now you can pick a plan that balances both your budget needs and your employees’ needs. With CareChoices you can limit your
health plan costs and stay within budget. Your monthly contribution stays the same regardless of which ACO care system your
employees choose. Not only does it help your pocket book, but it lets employees find the right care system for their needs – so they
can budget better.
How does it work?
•
You offer a plan design that meets the coverage and care needs for your employees without bearing the cost of higher cost care
systems. The preferred ACO your employees choose at open enrollment will determine their premium.
•
Your employees pick their preferred care system when they enroll online using Plan for MeSM – our private exchange solution.
It highlights cost, quality and service for each care system. With freedom, flexibility and six options to choose from – there’s
definitely something for everyone!
Giving your employees:
Support when they need it
Freedom to choose
Employees have better things to do than worry about their
health plan options. That’s why HealthPartners makes it easy
for your employees to compare care systems and plans with
our Plan for MeSM private exchange solution. It’s simple to use
and available when it’s convenient for them. It helps them
shop and compare plans based on their own personal health
care and medication needs – letting them choose and enroll
in a CareChoices care system that works best for them. Plus,
your employees can visit healthpartners.com or use their
smart phone to find more information on doctors and clinics
in their care system. With cost and quality ratings right at their
fingertips, it’s never been easier for your employees to
plan ahead.
No two employees are the same – especially when it comes
to their health care needs and budget. With more choices
and the freedom to choose from several quality care systems
throughout the year, your employees get the best of both
worlds – quality and budget-friendly health care.
Quality care they can compare
Finding top care and comparing health care options can be
challenging. CareChoices makes it easy to compare care
systems based on value and cost-effective care. CareChoices
engages your employees not only at open enrollment, but all
year long. Your employees can decide what care system works
best for them based on where they get care and how much they
want to pay. If they want to save money on their premiums and
out-of-pocket costs, they’ll want to select a lower cost, high
quality preferred care system.
And unlike other ACO models, your employees have the option
to go to any CareChoices care system whenever they want.
They’re not locked into one care system. Regardless of what
care system they choose, they’ll still be covered at the innetwork benefit level when they seek care elsewhere – they’ll
just pay more out-of-pocket.
Freedom: members can go to any care system
– they’ll just pay more if it’s not their selected
care system.*
Freedom and flexibility at its best. You pick the plan design
and set your contribution amount. Your employees get
more choices and freedom, as they’re not locked into one
care system – keeping them engaged all year long.
Park
Nicollet
HealthEast
Care System
HealthPartners
Open Access
Network*
HealthPartners
Fairview
Health
Network
Engagement: members stay engaged at open
enrollment and all year long.
* Members with CareChoices will receive tier two level benefits
when accessing HealthPartners Open Access Network.
Select
Independent
Clinics
Allina
Health
System
CareChoices is better for your employees because
it includes:
Care and savings that count
Their chosen care system costs
the least
$
• Top providers
Other care systems cost more
• Easy online enrollment
(including other providers in the HP network)
$$
• Freedom and choices to different care systems
throughout the year
• No restrictions
• Ways to save by choosing a care system
8170 33rd Ave S
Bloomington MN, 55425
Care systems not in the
HealthPartners network cost most
$$$
To learn more call your broker, consultant or HealthPartners sales
representative at 952-883-5200 or 800-298-4235.
The HealthPartners family of health plans is underwritten and/or administered by HealthPartners, Inc., Group Health, Inc., HealthPartners Insurance Company or HealthPartners
Administrators, Inc. Fully insured Wisconsin plans are underwritten by HealthPartners Insurance Company. 5954 (2/15) ©2015 HealthPartners