Your Coverage Resources ™ - Health | Aon · The Evolution of Employer-Sponsored Health Care...

Your Coverage Resources™

July 9, 2013

Agenda

Section 1 Marketplace Changes

Section 2 Helping Employee Obtain Health Insurance

Section 3 Question & Answer

1 Aon Hewitt | Your Coverage Resources

Proprietary & Confidential

Health Reform Will Have a Significant Impact in 2014

30 million U.S. residents will gain coverage under the Affordable Care Act

12 million Americans will qualify for coverage from the expansion of Medicaid

26% Of employers believe state marketplaces will be a viable option for their workforce to obtain coverage

October 1, 2013 When state marketplaces are available for enrollment



The Evolution of Employer-Sponsored Health Care Benefits

Employer group

health plan

Aggressive health

management

Integrated absence

management

Defined Benefit

State Marketplaces and Other Public Programs

(Part-time, Seasonal, COBRA, Others ineligible for group health coverage)

Transfer Risk Manage Risk

Defined Contribution Exchanges

Transparent

subsidy (credit)

Transparent price

Standard plan designs

Increased choice

Active employee

health care

exchange

Retiree health

care exchange



Group

Individual

Ineligible for Benefits (Part-Time, COBRA, Seasonal)

State Marketplaces

Public Programs

Eligible for Benefits (Active Employees)

Corporate Health Exchange

Future (2018+) Retiree Health Exchange

State Marketplaces

Public Programs

Transition

Retired

(Pre-65, Post-65)

Consulting

Transition Transition

The Comprehensive Solution



Aon Hewitt Health Care Exchanges

Where Will Employees Obtain Health Insurance?

5

Employer Plan?

Medicaid?

State Marketplace?

Medicare?

Children’s Health Insurance Program?

Other?

Help employees learn about health care reform and

find insurance if they are ineligible or cannot afford

group coverage

Aon Hewitt | Your Coverage Resources


?

Your Coverage Resources Helps Them Decide



Customer Service Additional employee support

provided by experienced call

center representatives

and health care advocates

Education Interactive website with information on

health care reform and programs such as:

State/Federal marketplaces

Medicaid

Medicare

CHIP (for dependents)

Communication Promote awareness of available resources

to employees and senior management

Eligibility Modeling tool to help

individuals understand if they

may qualify for public programs

or financial help

Enrollment Helping employees enroll in:

Marketplaces

Medicare

Individual plans

Education

Eligibility

Enrollment Communication

Customer Service

Start with Education & Understanding Eligibility for Programs/Subsidies



Then Help Them Enroll in Health Insurance

8

eHealth

Integrated with

marketplaces to determine

subsidy eligibility & amount

Consumer-friendly online

shopping experience to

compare and find plans

Full support to create and

submit applications

24/7 customer care

support via online chat,

telephone, email

Marketplaces Program

Se

lect

sta

tes

Other states

Enrollment

Provider

Medicare

Aon Hewitt Navigators®

Medicare Advantage, PDP

and Medigap plans

Tools and support to help

Medicare-eligible

employees personalize

their health care needs

Dedicated Benefits

Advisors to answer

questions

Full support to create and

submit their applications

Annual support to

reevaluate plan choices

Medicaid

CHIP

Other

Individual States



A Better Way to Enroll in a State Marketplace



1

Apply Enroll Estimate Shop

2 3 4

Guiding Retirees to the Right Medicare Coverage



Aon Hewitt Navigators offers an approach and suite of tools designed

for a seamless experience.

Expert consultation: Complete

needs assessment, in-depth

understanding of options

1. EDUCATION

Expansive network: Average

of 34 medical plans and 17

Rx plans to choose from

2. CHOICE

Personalized, simple tools &

guidance up to and

during enrollment

3. ENROLLMENT

Ongoing support of carrier

experts to help navigate

claims issues

4. ADVOCACY

Medicare

Marketplace Enrollment (eHealth)

Medicare Enrollment (Aon Hewitt Navigators)

Ratings #1 – Nation’s largest online

source of health insurance

#1 – Agency for auto

adjudications by the nation’s

leading carrier

Customers Over 3 million customers

enrolled

Over 2.4 million retirees served

Carriers 180+ carriers 84 carriers and 3,300 insurance

products

Recognition 2011 Kiplinger’s Best Insurance

Website

Over 88% of retirees actively

recommend Aon Hewitt

Navigators

When It Comes to Enrollment, Experience Matters



Customer Service – Expert Assistance to Meet Customer Needs

Education

• What is an exchange?

• Where can I find health insurance?

• Do I qualify for financial help?

Enrollment

• Help finding and enrolling in a medical plan

• For select state marketplaces and Medicare plans

Advocacy

• Claims and billing support for customers that enroll in a marketplace plan



Leadership Engagement

Leadership is aware an on

board

HR/Managers are equipped to

be advocates for the solution

Employee Awareness

Employees understand

how the solution applies

to them

Communicating to Leadership, Managers & Employees Insures Success

Explain how Your Coverage Resources fits into your health

care strategy, how it can be used and why it’s important to

your organization to provide this service



Comprehensive

Communication

Solution

Contact Us

To contact us, please email [email protected]

Karen Frost

Vice President

Health Solutions & Strategies

Aon Hewitt

Sara Taylor

Solution Development Leader

Health Solutions & Strategies

Aon Hewitt



mailto:[email protected]

Your Coverage Resources ™ - Health | Aon · The Evolution of Employer-Sponsored Health Care...

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