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"!!!!!!          /. !% &)4(* 54'2(35/    $ +#6 L"$fHoVxt"$A']JG9"$P-3G%] NN"$pWc @< "$>(Uə I<C "$t16petW '"$@T[ܵ(9bE"$J w NV۪"$Uo[pPkOO!b$GA{,&/ m "$"$:S(zbF"$Ad~U[ HJ"$u/2ml :P"$W+T%XJ`U"$;xIT___PPT9 / 0z? %O  =u$4 "BConsumer Directed Insurance Products: Survey Results April 2005 j6 @&  VExecutive SummaryMany of America s largest health insurers are now offering consumer directed (CD) products. The majority offer both Health Savings Accounts (HSAs) and Health Reimbursement Arrangements (HRAs). 95 percent of enrollees have access to existing networks and negotiated rate structures. HSAs are most frequently offered in the small group markets, but products in the individual market have the most enrollees. For HRAs, plan offerings and enrollment are greatest in the large group market. >]|IExecutive Summary (Continued)SSix out of 10 publish comparative cost information, though the information varies. Nearly half publish comparative quality data. Few offer severity of illness distinctions. Deductibles tend to exceed the minimum set by law. Over 80% of survey respondents believe these products will dramatically change the insurance industry over time. 2RRBackground and Methodology ^)What are consumer directed (CD) products?fHealth Reimbursement Accounts (HRAs) First introduced in 2000, HRAs combine a high deductible plan with an employer-funded account HRA accounts are most often employer-owned and can not be taken when employee leaves company Employees fund a portion of their expenses through their account Health Savings Accounts (HSAs) Enabled by Medicare Modernization Act of 2003 Fully portable and employee-owned accounts linked to a  qualified high deductible health plan Both the contributions of the employer and the employee are tax deductible up to a specified amountL& & ,tDifferences from PPO Products )HSA and HRA revenues are growing rapidly.Earliest HRA products began appearing in 2000. The Medicare Modernization Act enabled HSAs in 2003. Large insurers and specialty CD vendors lead in enrollment figures today. (bAmerica s largest insurers, among others, are offering consumer direct products.Major national carriers include: Aetna UnitedHealth Care Anthem/Wellpoint CIGNA Blue Cross / Blue Shield plans Specialty vendors include: Destiny Lumenos Vivius The majority of the above organizations are represented by the survey.`!NG!NGP'  JH%Employer interest is growing rapidly. Survey ObjectivesCGather data on this new, rapidly growing product type for which limited information currently exists. Explore growth implications for providers and patients, including access to existing networks and rate structures. Identify evolving trends in comparative cost and quality information. Assess administrative features. &CCSurvey MethodologySurvey tool was successfully piloted to assess validity of questions. Contacts at insurers with consumer directed products were obtained via internet research and telephone outreach. Surveys were emailed to contacts in October and November, 2004. Survey data was supplemented with telephone contacts and publicly available information. Survey targeted 61 companies. 46 percent of those contacted (28 companies representing over 800,000 enrolled CD members in 2004) responded to the survey.ZSurvey Results 9Nine out of 10 respondents offer both HSA and HRA plans.2Most HRAs introduced in 2003; HSAs in early 2004.,SHSAs target the small group market; HRAs target the large group self-funded market.$ ,+Individual market dominates HSA enrollment.,,3Large group fully insured dominates HRA enrollment.44X95 percent of enrollees have access to existing networks and negotiated rate structures. bPlans can build their own network or  rent one. i4Networks may be national or local/regional in scope.0Six out of 10 publish provider cost information.Comparative cost information varies: Most offer  average costs for specific services.LComparative cost information varies: Three of four compare negotiated rates. LComparative cost information varies: More than half compare procedure costs. sGComparative cost information varies: Half compare exact dollar amounts. HComparative cost information varies: Few adjust for severity of illness. =Nearly half publish quality information, mostly on hospitals.KTwo out of three do not adjust quality information for severity of illness. RnHSA deductibles tend to exceed the minimum set by law& 86Sv& and HSAs have significant maximum out-of-pocket expenses.3%HSAs use many methods to pay claims. &$" Integrated debit/credit card: member has a card authorized for up to balance in HSA/HRA account. Member submits receipts: member submits receipts to carrier and is reimbursed; member pays provider. Auto rollover: member pays nothing; claim goes to carrier who pays provider from HSA/HRA account and insurance. Member checkbook: member has instant access to account for paying medical expenses.zCLU B^Four out of five believe consumer directed products will dramatically change health insurance.__/d   TUjuvP  ` ̙33` ` ff3333f` 333MMM` f` f` 3>?" dd@?uK\d@dhe    n?" dd@   @@``PR    @ ` ` p>> % ( x4   ZTxaxa1 ?`0  y9Click to edit Master text styles Second Level Third Level!   :  <1?F f* (2 hh88   `txaxa1 ?x_  T Click to edit Master title style! !XB   08c?XB   01?   <1?"h Z hh88l  61?"`r  C <A $?blk_red_transp_3x"`` hB  s *޽h ? (3e Default Design  [S@ (    ZȌxaxa1 ? `    W#Click to edit Master subtitle style$ $   `86xaxa1 ?p  T Click to edit Master title style! !XB  08c?fB  01?"l   61?"`r   C <A $?blk_red_transp_3x"`` hB  s *޽h ? (3e 0 [S`( ( p  01 ?U  A  Z=\=\1 ? K  SClick to edit Master notes styles Second Level Third Level Fourth Level Fifth Level"     TB  s *.k9 ? a(80___PPT10.6     0(   B  s *.k9 ? a(80___PPT10.6@h 0( w x  c $p  x  c $,0   XB  08c?B  s *޽h ? 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(3e  ;3 (       6h 333" ` O  .Preventive Srvcs 100%*G   ~   s *4x_      c $< "@P 9  2 Out-of-Network Deductible (Member Resp.) $1,000(32G %    c $X "@ 9  y5 In-Network Deductible (Member Responsibility) $500(65G    <x d" {9  u1In-Network Office Visits (Copay) 100% after copay(21G    68 d" {  g# In-Network Insurance 90% / 10%($#G    0d d" `{ P g#Out-of-Network Insurance 70% / 30%($#G    d .``TT`TT"`  f 100% After Out of Pocket Maximum*!( G    c $D 333    cAnnual Insurance Deductible*G  @   C 333gj5P    0 333" ` j \100% After OOP Maximum*G     < d333" ` jN h"Out-of-Network Insurance 70% / 30%*#"G  ,   s *䨟 333"`N j  j Member Responsibility  Insurance GAP (Example $500)>6G 4G  "   l@ A*333Wide upward diagonal"@ jP  x HRA/HSA Funded (Example $500)>G G     < d333" ` N g!In-Network Insurance 90% / 10%*"!G     B촟1? SPPOhh88   B1?  cConsumer-Directedhh88   <̟1?  : hh88F `       H՟1? O e= Employee Cost-Sharing hh88z   <1?"``PgF `     P   Hן1? O  r$= Funded by Employer and/or Employee%% hh88   A*1?Wide upward diagonal"@`P M+hh88F `    @g   H1?!O a= Insurance Payment hh88z   <1?" ``PH   0޽h ? ̙33  *(  r  S x`   x  c $p    0 s xaxaA  ?1 ?pPq     04VP@  {EPercent of Health Insurer Revenue Represented by HSA and HRA ProductsFF7  <&1? P  iSource: Based on Milliman 2004 Group Insurance Survey of health insurance carriers, 4th quarter of 2004.*jV   hh88H  0޽h ? (3e  6(  x  c $lx_   ~  s *(`0  H  0޽h ? (3e  >6(  r  S xx_    0 BA  ?V* "    3 rxaxaA  ?1 ?p|J    0-  q;Percentage of Employers Likely to Offer HSA or HRA Products<<  <D11? @} ?Source: 2004 Mercer Human Resources Survey, All Employer Sizes@@ hh88H  0޽h ? (3e  0(  x  c $x_   x  c $d`0  H  0޽h ? (3e  0(  x  c $L_x_   x  c $`0  H  0޽h ? (3e $(  r  S p  r  S P2 `    H  0޽h ? (3e    ^(    0(?  n8Percentage of Respondents Offering HSA and HRA Products99~  s *@Bx_    0 HA ?b    0p5` `  VBoth HSA and HRA*   6@ M NHSA Only*    6d M NHRA Only* H  0޽h ? ̙33  <40 $(  $ $ 0ab LNumber of Respondents by Year HSA or HRA Product was Introduced 2002 - 2005MM~ $ s *cx_    $0 HA ?    $ <,e1? P  TNA 2hh88  $ <|s1?  TNA 2hh88H $ 0޽h ? ̙33  aY@,(  , , 01 `J o9Percent of Survey Respondents Offering Products by Market::~ , s *\}x_    ,0 HA ?`   , <D1? PZ  TNA 2hh88H , 0޽h ? ̙33  qiP D(  D D 0  n8Percentage of HSA Enrollees Across Respondents by Market99~ D s *x_    D 0` * ]Large Group Self-Funded* D 6 `(  C Individual    D 6 xM  Q Small Group*    D 0ȗ  bLarge Group Fully Insured 3%*  D 3 rxaxaA ?1 ? 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