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Covenant Care – An Affordable Self-Funded Alternative For Employer Groups of 25-250 Employees
[object Object],[object Object],[object Object],The Covenant Care Program Introduction
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],The Covenant Care Program Overview
The Health Care Dilemma
[object Object],[object Object],[object Object],Marketplace Trends In Wellness
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
The Issue ,[object Object],[object Object],[object Object],35% At Risk 50% Healthy 15% Acute Chronic 59% of this years low cost population will be in next years high cost population. Low Cost Population
The Reality ,[object Object],[object Object],[object Object],[object Object],[object Object],Reinsurance Premium Administrative Fees
The Solution ,[object Object],[object Object],[object Object],[object Object],[object Object]
Risk Shifting Strategy ,[object Object],[object Object],[object Object],[object Object],Claim Savings
Risk Shifting Strategy ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Claim Savings
Risk Management Strategy – Integrated Results  Based Wellness ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Risk Management Strategy – Delphi MAP ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Risk Management Strategy – TelaDoc ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
The Spaggregate Plan An Attractive Reinsurance Alternative for the Fully Insured Employer ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Spaggregate Advantages Fully Insured Spaggregate Self-Funded Capped Funding Yes Yes No Lasers No No Yes Access to Claim Experience No (under 100 EE’s) Yes Yes Premiums Fixed Fixed Variable Cash Calls None None Weekly funding of claims up to specific per member Administration Higher Cost, Less Service Lower Cost, Great Service Lower Cost, Great Service Potential for year end savings No Yes Yes
Spaggregate Plan Features ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Covenant Care Plan Design Comparison Premier Plan Plus Plan Access Plan Plan Maximum $5,000,000 $5,000,000 $250,000 Deductible $500 $1,500 $1,000 Coinsurance 80/20 to $12,500 100% after deductible 50/50 to $10,000 Office Visit $20 / $40 100% after deductible $20 / $40 RX Benefit $10 / $25 / $50 100% after deductible $10 (Generic Only) Maximum OOP $3,000 $1,500 $6,000
Hitting The Mark In Controlling Healthcare Costs The Covenant Care Advantage Covenant Administrators Insurance Protection Medicor Bravo Delphi-MAP Tela-Doc/ Care Here Customer
[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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Stratum Benefit Solutions Presentation

  • 1. Covenant Care – An Affordable Self-Funded Alternative For Employer Groups of 25-250 Employees
  • 2.
  • 3.
  • 4. The Health Care Dilemma
  • 5.
  • 6.
  • 7.
  • 8.
  • 9.
  • 10.
  • 11.
  • 12.
  • 13.
  • 14.
  • 15.
  • 16. Spaggregate Advantages Fully Insured Spaggregate Self-Funded Capped Funding Yes Yes No Lasers No No Yes Access to Claim Experience No (under 100 EE’s) Yes Yes Premiums Fixed Fixed Variable Cash Calls None None Weekly funding of claims up to specific per member Administration Higher Cost, Less Service Lower Cost, Great Service Lower Cost, Great Service Potential for year end savings No Yes Yes
  • 17.
  • 18. Covenant Care Plan Design Comparison Premier Plan Plus Plan Access Plan Plan Maximum $5,000,000 $5,000,000 $250,000 Deductible $500 $1,500 $1,000 Coinsurance 80/20 to $12,500 100% after deductible 50/50 to $10,000 Office Visit $20 / $40 100% after deductible $20 / $40 RX Benefit $10 / $25 / $50 100% after deductible $10 (Generic Only) Maximum OOP $3,000 $1,500 $6,000
  • 19. Hitting The Mark In Controlling Healthcare Costs The Covenant Care Advantage Covenant Administrators Insurance Protection Medicor Bravo Delphi-MAP Tela-Doc/ Care Here Customer
  • 20.
  • 21.