CarePlus Update 112113
September 19, 2013
CarePlus update
FromtheProViewResourceGroup
EWSC is now PROVIEW RESOURCE GROUP
BI-WEEKLY CAREPLUS CONFERENCE CALLS
JULY
Attendees
9
11
Introduction
228
23
25
Compliance
235
Underwriting Support – Renewal Strategies
AUGUST
6
8
Small Group Platform
231
New Cigna National Fully Insured Program
20
23
Benchmarking Tools
261
Data Analytics
Large Group Exchange Solutions
SEPTEMBER
10
12
24
26
Wellness and Population Health
Management Solutions
Benefit Administration Platform
HCR Update
138
175
OCTOBER
8
10
22
24
Transition Tips
Exchange Update
Benefit Outsourcing Services
Year-end Compliance Process
167
154
NOVEMBER
12
14
Retirement and Health & Welfare
Actuarial Services
12
2014 Business Development Campaigns
2014 New Programs
DECEMBER
10
Access all ProView Resource Group Services and Support:
Jaycy Igarashi
Manager, Sales Distribution
Email: jigarashi@proviewbenefits.com
Phone: (949) 798-1202
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111
CarePlus Update 112113
YEAR-TO-DATE RESULTS (through September)
BB&T CA
McGriff
Retention
Clients
420
250
YTD Results
85%
93%
Revenue
$47.2M
$27.0M
YTD Results
91%
94%
Growth
Revenue Target
YTD Results
# of Sales
# Key Prospects
Agency Adoption
EB Agencies
Utilizing ProView
Resource Group
BB&T IS
Combined
10,725
88%
$82.3M
92%
11,395
89%
$156.5M
92%
$6.1M
$5.2M
22
11
$1.6M
$0.9M
5
4
$10.3M
$6.5M
13
7
$18.0M
$13.3M
40
22
100%
100%
63%
76%
MARKETING ACTIVITIES
Conference Calls
Events
July 9 – October 24
Sales Training Calls
September 17 –
October 17
System Wide Email
Communications
Total Q2
Total Q3
Total
16
Events
6
CarePlus Website
Stats
Total: Q2 2013 (DBF
653)
Total: Q3 2013 (DBF
733)
Total YTD
Jobs
Q1
Q2
Q3
Q4 (thru 10/31)
Total
Current Active Jobs
Emails
Delivered
26
45
71
Emails
Delivered
5,306
Delivered
2,119
Registrations
Attends
1,930 (33%)
Registrations
527 (25%)
1,589 (82%)
Attends
376 (71%)
Impressions
Opens
Clicks
11,779
23,232
35,011
504 (18%)
2,936 (33%)
3,440 (29%)
Visits
Unique
Visitors
2,616
1,349
2,870 (24%)
8,829 (38%)
11,699 (33%)
Agent
Resource
Center
686
3,991
1,744
1,167
6,607
# Jobs
Opened
5
26
241
30
302
3,093
# Jobs
Completed
5
26
129
17
177
1,853
# Pieces
Completed
7
68
509
80
664
125
CAREPLUS BENEFITS EXCHANGE
Page 2 of 12
Total
Registrations
% of
Database
236
36%
143
20%
379
52%
Individual Pages
Completed
279
699
1,482
503
2,963
CarePlus Update 112113
The CarePlus Benefits Exchange offers more options to your employers than any other private
exchange in the country.
While many other companies offer an “exchange program,” we’re offering two different
exchange options.
Our programs are priced right and are supported by the nation’s top carriers.
We offer a Standard program powered by Liazon, and a Custom ProView-driven program that
integrates any iteration of carriers, ancillaries, and can even integrate ProView’s health
management, employee engagement, and administrative services.
Some features of our Standard exchange:










A great alternative for employers who want to expand choices for employees, without
expanding their own administrative work, by moving them to online enrollment and a
fully integrated online shopping experience
Multiple carriers in most states
Ancillary coverage in all states, including Guardian and MetLife
Online enrollment controlled by the employee
Streamlined billing of all features into a single bill
Increased selection of insurers and options without additional cost
Encourages a shift from over-buying insurance so that everyone is covered for their
specific needs and circumstances
Highest quality vendor platform for all aspects of program enrollment and administration
Voluntary carriers, like Allstate and Humana
FSA, HRA, HSA
Website Portal and Materials
The CarePlus Benefits Exchange site offers users an extensive platform with a collection of
program tools and resources: documents, articles, videos, FAQs, and more on various benefits
topics. Additional CarePlus Benefits Exchange materials, such as presentation decks and
templates, will also be available in branded formats for BB&T Insurance Services, McGriff, Seibels
& Williams, and Precept.
CarePlus Benefits Exchange Website
Sales
and Marketing Communications
Includes:
Page 3 of 12
CarePlus Update 112113
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Overview of the Exchange Store
Sales Presentation Deck
Defined Contribution and Exchange Sheet
Employer Administrative Portal Deck
Email Template
Employee Open Enrollment Materials
Includes:
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Brochure
Employee Presentation Deck
Exchange Implementation Materials
Includes:
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
Customer Service and Implementation Deck
Payroll and Defined Contribution Brochure
Funding and Defined Contribution Brochure
Page 4 of 12
CarePlus Update 112113
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Employer Handbook
Benefits Calculator in Microsoft Excel
AGENT TOOLS AND RESOURCES
Check out the Agent Resource Center at www.careplusbenefits.com
You will find just about any support tool, from a list of all ProView Resource Group contacts to
PowerPoint presentations, sales sheets, recordings of conference calls and training sessions,
helpful links to carriers, and more.
CarePlus:
 CarePlus Tools
o PowerPoint Decks and Templates
o CarePlus Update and Transition Tips Newsletters
o Case Studies
o Sales Sheets (external and internal)
o Questionnaires
 CarePlus Conference Calls
o Conference Call Recordings
o Conference Call Presentations
 Sales Training Recordings
 Compliance Services
 Benchmarking Reports
 Helpful Links FreeERISA
o Aetna
o Anthem
o Cigna
o United Healthcare
o Unum
 Health Care Reform
 2013 Health Care Reform Webinars
BB&T InSite:
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CarePlus Update 112113
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Client Services
Consumer Benefit Resources
HR Support Center
Other Broker Resources
Products
Sales Technology Tools
State-Specific Information
... and more.
Visit www.careplusbenefits.com, log in as an agent, and click on Agent Resource Center under
Services to access these resources.
PowerPoint Decks
Page 6 of 12
CarePlus Update 112113
Agency Branded Sales Sheets
CarePlus Conference Calls
Prospect Questionnaires
WHAT ARE OUR CUSTOMERS SAYING?
Cobham
Healthy Activities and Communications at Work!
“At our on-site biometric screening 2 years ago, a San Jose employee’s readings were so high
that the nurse told her to go to the hospital immediately. (A very serious condition was
discovered early and resolved.)
“Well, the same thing happened today with a different employee and he just went to the
hospital. Even more fascinating – it was the same nurse today as it was 2 years ago!
“We had an excellent turn out of spouses/domestic partners for our daytime session today. We
expect even more during our evening-time session later this month.”
Jack in the Box
Our client’s Benefits Program Manager recently provided a “reference” to a prospect (that
contracted with us). Below is an extract.
“… we contracted with ProView for their benefits enrollment system administration including the
integration of our wellness rewards program. The ProView system is the “hub” and manages the
benefits enrollment for our employees, which then passes on to our various benefit vendors. We
have a very complicated set up as we’re in the fast food industry with various employee types
and benefit plan offerings. ProView was very flexible in setting up our system to best administer
what we needed and met almost every plan set up we asked them to do; in some cases,
implementing them in their system for the first time.
“When we implemented our wellness program, we asked them to act as the third party
administrator to collect the biometric screening information and process the points for the
program. This was a very unique set up and they rose to the occasion to accommodate what
we needed, including working with our wellness vendor partners, to ensure the file flow met our
needs and remained HIPAA-compliant.
Page 7 of 12
CarePlus Update 112113
“They are incredibly flexible and work hard to meet our expectations. In fact, we have them
included on all calls that involve the system as they are an integral part of the process. We’re
very happy with them and would highly recommend ProView for your company.
“Based on service that ProView has provided to us, we have no plans of replacing the product
upon the end date of the contract and will continue to renew automatically with them.”
Stanley, Hunt, Dupree & Rhine to the Rescue! Again!
The firm received a very nice compliment and gratitude from a GASB45 prospect who was in a
pretty difficult predicament.
The employer had not pursued a current actuarial valuation for their post-retirement medical
plan and their auditors were right on site. Realizing the seriousness and timeliness of the situation,
the auditor referred the prospect to Stanley, Hunt, Dupree & Rhine because of “their positive
experience working with us.” And, when the prospect made the call through the auditor, they
received the Perfect Client Experience right on the spot.
Page 8 of 12
CarePlus Update 112113
National Program:
Featuring Cigna Health Plans
Standard Package
Components
Plans
Carrier Partner(s)
Medical
3 PPO/2HSA
CIGNA
Dental
1 DMO/2 DPPO
CIGNA
Vision
1 Schedule
VSP
Life Insurance
Basic Life/Supplemental Life
CIGNA/Hartford/Unum
Disability
STD/LTD
CIGNA/Hartford/Unum
Ancillary Package
CIGNA OAP-PPO
CIGNA OAP-HSA
Features
High
Med
Low
Med
Low
Deductible
$500-$750
$750-$1,000
$1,000-$1,500
$1,250-$1,500
$1,750-$2,000
Coinsurance
80%
80%
70%
80%
70%
Actuarial Value
Gold
Silver+
Bronze+
Silver+
Bronze+
CIGNA OAP-PPO
Value Package
CIGNA HEALTH PLANS
PREFERRED PARTNER PROGRAM - NATIONAL AND CALIFORNIA
CIGNA OAP-HSA
Features
High
Med
Low
Med
Low
Deductible
$750-$1,000
$1,000-$1,500
$1,500-$2,000
$1,500-$2,000
$2,500-$3,000
Coinsurance
80%
70%
70%
80%
70%
Actuarial Value
Silver
Silver
Bronze
Silver
Bronze
Page 9 of 12
Regional Program:
Standard Package
Components
Plans
Carrier Partner(s)
Medical
2 PPO/1 HSA/2 HMO
Anthem
Ancillary Package
Dental
1 DMO/2 DPPO
CIGNA
Vision
1 Schedule
VSP
Life Insurance
Basic Life/Supplemental Life
CIGNA/Hartford/Unum
Disability
STD/LTD
CIGNA/Hartford/Unum
Anthem PPO
Anthem HMO
Feature
Deductible
Coinsurance/
Copay
Actuarial Value
Premium PPO
Value PPO
Advantage
PPO/HSA
Premium
HMO
Value HMO
$350-$1,050
$750-$1,500
$1,500-$3,000
None
None
90%
80%
90%
$15 Copay
$30 Primary
$40 Specialist
88% Platinum
85% Gold+
89% Platinum
86% Gold+
85% Gold+
Anthem PPO
Value Package
ANTHEM BLUE CROSS
Featuring Anthem Blue Cross
CarePlus Update 112113
Anthem HMO
Premium PPO 500/700
Value PPO 1000
Advantage
PPO/HSA 20/50
Premium
HMO - 20/40
Value HMO 30/50
$500 - $1,500
$1,000-$3,000
$1,500-$3,000
None
None
Coinsurance/
Copay
80%
80%
80%
$20 Primary
$40 Specialist
$30 Primary
$50 Specialist
Actuarial Value
Gold
Gold
Gold+
Silver+
Silver+
Feature
Deductible
Page 10 of 12
CarePlus Update 112113
COMPARE OUR FULLY INSURED PLANS TO OUR EXCHANGES!
California
100+
Preferred
Yes
Fully Insured
National
100+
Preferred
Yes
Fully Insured
Standard Exchange
10+
Market
No
Fully Insured
Medical Carriers
Clinical Consulting
Anthem
Included
Cigna
Included
Health Promotion
Included
Included
Incentive
Management
Engagement Tech
Included
Included
Included
Included
Mobile Tools
Included
Included
Administration
Enrollment Platform
Included
ProView
Included
ProView 100+/
Self 100-200
Standard Menu
Available NonIntegrated
Available NonIntegrated
Available NonIntegrated
Available NonIntegrated
Available NonIntegrated
Client/Liazon
Liazon
Group Size
Pricing
Pooled
Funding
PROVIEW RESOURCE GROUP
Growing Through the Motions to Provide More Services
June 2012
Solutions
Underwriters on Staff
HR Resource Call Center
PPACA Resources
Custom Employer Campaigns
Global Benefits Consulting
Payroll HRIS Integration
Online Enrollment System
Page 11 of 12
Custom Exchange
250+
Market
No
Fully Insured/Self
Insured
Client Specific
Available Integrated
Available Integrated
Available Integrated
Available Integrated
Available Integrated
ProView
Businessolver
CarePlus Update 112113
November 2013
Health Management Solutions
Compliance
Wellness Director
Compliance Officer
Clinical Support Staff
ERISA Attorney
Turnkey Wellness Solution
PPACA Resources
Wellness Program – Strategy
Compliance Help Desk
Biometric Screening Coordination
Wrap Docs
Flu Shot Coordination
5500 Filings
Quarterly Wellness Seminars
SARs
Care Management – Strategy
105H Discrimination Testing
Large Claims Analysis
Plan Audits
Case Management Oversight
HR Help Desk
Quarterly Utilization Detail
DOL Audits/Support
Wellness Survey & Report
Marketing and Communications
Health Promotion Activities
Integrated/Interactive Website
Online Health Coaching
Customized Employer Campaigns
Telephonic Health Coaching
CarePlus as approved brand for the EB solution
Mobile Consumer Transparency Tools
Department named ProView Resource Group
Mobile Consumer Messaging
Regional Branded Materials
Financial Analysis
PowerPoint Presentations
Underwriters on Staff
Internal and External Sales Sheets
Actuarial Services & Support
Conference Calls
Carrier Program Development
Editing and Strategic Advisory
Program Renewal Strategies
Campaign Tests and Advisory
Claims Reporting & Projections
First-Level Designs and Mastheads
Data Analytics
Benefit Material Designs and Production
IBNR Analysis
Health Management Services Materials and
Design Variance Value
Benefits Administration
Production
Network Assessment
FSA Administration
Data Analytics
COBRA Administration
Claim Trends
HSA Administration
Clinical Review
HRA Administration
Network Discounts
Benefit Outsourcing and Technology
Engagement Activity
Payroll HRIS Integration
Disease Analysis
Online Election System
Condition Management Activity
Basic Data Management
Benchmarking Services
Employee Portal
Plan Design Analysis
Enrollment & Eligibility
Pricing Comparisons
Billing Reconciliation
Cost-Share Strategy
Consolidated Billing
Trends & Patterns Identified
Customer Care Center
Plan Design Analysis
Complex Data Management
Pricing Comparisons
Complex Incentive Management
Health Care Reform Compliance
Benefits Consulting Services
Webinars
Global Benefits Consulting
Legislative Updates
Sales Training/Education/Support
Pay or Play Tools
Retirement Planning Services
EB Mandate
Private Exchanges
Client Help Desk
Health Care Reform Committee
Page 12 of 12