Benefits That Benefit You

Transcription

1 Benefits That Benefit You Liisa Granfors-Hunt Director of Account Management Corporate Synergies & Cathy Sapp Executive Director Teladoc

2 WHAT IS TELEMEDICINE? A modern way of delivering care that is becoming mainstream Who has ever been sick? How often do you know what s wrong? Where do you go for treatment? How many of you like to sit in a waiting room when you don t feel well? How many would like to receive treatment from the comfort of your home? How often do you know that a simple prescription would resolve your issue?

3 THE PROBLEM Aging population demanding more care Fewer Primary Care Physicians in the marketplace Longer wait times to get appointments Longer wait times at the doctor s office Misuse of Emergency Room ALL OF THIS ADDS UP TO INCREASING MEDICAL CLAIMS COSTS

4 THE SOLUTION Technology Access to treatment on the phone or online Convenience Treatment without leaving your home Flexibility 24/7/365 Access Broad provider networks Cost Effective Compare to traditional sources of care: - Emergency Room - - Urgent Care Center - - Primary Care Physician -

5 HOW DOES IT WORK? REGISTER FIRST Employee (or enrolled family member) registers with telehealth network At point of registration, employee provides medical history, current prescriptions, allergies, etc. At time of illness, employee calls or connects online Intake specialists asks some questions Specialist connects you to a doctor directly or the doctor returns call usually within 10 minutes Doctor prescribes medication when appropriate Prescription waits at employee s chosen pharmacy

6 WHERE TO GO FOR CARE Source: United Healthcare WHERE TO GET CARE WHAT IT IS TYPE OF CARE COST NURSE LINE NurseLine connects you with registered nurses 24/7. Choosing appropriate medical care Finding a doctor or hospital Understanding treatment options Achieving a healthier lifestyle Answering medication questions $0 VIRTUAL VISIT (TELEMEDICINE) A virtual visit lets you see a doctor via your smartphone, tablet or computer. Allergies Bladder infections Bronchitis Cough/colds Diarrhea Pink eye Rashes Seasonal flu Sinus problems Sore throats $ CONVENIENCE CARE CLINICS Visit a convenience care clinic when you can t see your doctor and your health issue isn t urgent. These clinics are often in stores. Common infections (e.g. strep throat) Minor skin conditions (e.g. poison ivy) Vaccinations Pregnancy tests Minor injuries Ear aches $$ PRIMARY CARE PHYSICIAN Go to a doctor s office when you need preventive or routine care. Your primary doctor can access your medical records, manage your medications and refer you to a specialist, if needed. Checkups Preventive services Minor skin conditions Vaccinations General health management $$ URGENT CARE Urgent care is ideal for when you need care quickly, but it is not an emergency (and your doctor isn t available). Urgent care centers treat issues that aren t life threatening. Sprains Strains Small cuts that may need a few stitches Minor burns Minor infections Minor broken bones $$$ EMERGENCY ROOM The ER is for life-threatening or very serious conditions that require immediate care. This is also when to call 911. Heavy bleeding Large open wounds Sudden change in vision Chest pain Sudden weakness Major burns Spinal injuries Severe head injury Breathing difficulty Major broken bones $$$$

7 WHAT KIND OF CONDITIONS ARE BEST SUITED FOR TELEMEDCINE? Types of conditions treated include: Allergies Asthma Bladder infections Bronchitis Cough/colds Diarrhea Earaches Fever Headaches Nausea Pink eye Rashes Seasonal flu Sinus problems Sore throats Stomach ache Behavioral Health added or coming soon!

8 HOW CAN IT SAVE MY PLAN MONEY? Reduces unnecessary claim cost for non-emergency care o Teladoc / Healthiest You average = $517 per claim Reduces absenteeism time away from work for doctor or urgent care center visit Reduces presentism employees get care for their minor illnesses before coming back to work Contributes to productivity

9 COMPARE COSTS Source: Debt.org CONDITION EMERGENCY ROOM COST URGENT CARE COST TELEHEALTH COST Allergies $345 $97 $40 - $45 Acute Bronchitis $595 $127 $40 - $45 Earache $400 $110 $40 - $45 Sore Throat $525 $94 $40 - $45 Pink Eye $370 $102 $40 - $45 Sinusitis $617 $112 $40 - $45 Strep Throat $531 $111 $40 - $45 Upper Respiratory Infection $486 $111 $40 - $45 Urinary Tract Infection $665 $112 $40 - $45

10 TRENDS IN TELEMEDICINE Increased offering Increased utilization Baked into fully insured plans o Cigna calls it Telehealth o United Healthcare calls it Virtual Visits o CareFirst calls it Video Visits Self-Insured plan sponsors adding service to their plan o Through carrier vendor o Through third party vendor such as Teladoc High Deductible Health Plans

11 GROWTH IN ENROLLMENT Teladoc growth in members and visits Members Visits

12 GROWTH IN VISITS 900, ,000 Who would you like to see today? 298,000 VISITS 156,

13 WHO USES TELEMEDICINE? Teladoc statistics regarding visits per population segment: Primary Dependent Female Male Primary vs Dependents 69% 31% % Of Visits 63% 37% Age % of all Visits % % % % % % 65+ 1% Age Average Age 9 43 % of Visits 15% 85% Female Visits 52% 65% Male Visits 48% 35% = Pediatric

14 WITHOUT TELEMEDICINE WHERE DO MEMBERS GO? 5% 10% 65% 20% No Treatment ER Urgent Care PCP

15 COST SAVING STRATEGIES Pass the low per employee per month cost on to medical plan enrollees as part of medical plan contribution Co-pay plans Charge member a PCP copay Or charge $0 copay to maximize utilization High Deductible Plans Employee pays full cost until deductible is met o Savings over alternative care resources Once Out of Pocket maximum is met, member pays $0

16 EMPLOYEE ENGAGEMENT Education is key o Employees register before service is needed o Understand economic advantage o Understand convenience o Employee shares Telemedicine/Virtual Visit results with Primary Care Physician BY SAVING PLAN DOLLARS, EMPLOYEE SAVES THEIR OWN DOLLARS

17 GEO-FENCING REMINDERS Intercepts at Urgent Care Centers Over 10,000 locations Geo-Fenced Convenient reminders to save money, time and reduce claims in health plan v

18 EMPLOYER MARKETING = RESULTS Campaign Control O ctober N ovember December

19 TARGETED CAMPAIGNING PAYS Speak to moms decision makers for families with children Remind members about pediatric visit availability Response to healthy living and maintenance messaging grows as patients age Focus on convenience and cost for student dependents Age

20 MESSAGING THROUGHOUT THE YEAR Teladoc 2017 Monthly Communication Guide JANUARY FEBRUARY MARCH APRIL Get Started With Teladoc Focus on getting your employees registered for Teladoc. So Many Reasons to Use Teladoc Highlights the benefits of using Teladoc. Download the App Get healthcare in the palm of your hand. Allergy Season Don t let your employees suffer through allergy season. MAY JUNE JULY AUGUST Vacation & Travel Our doctors travel with you. Summer Illnesses Don t let summer illnesses get you down. Avoid the ER Before going to the ER, give Teladoc a call. Back to School Before heading back to school, register and update your medical history. SEPTEMBER OCTOBER NOVEMBER DECEMBER Open Enrollment Teladoc is a great added benefit to your healthcare plan. Cold & Flu Season Fight back during cold & flu season. Holiday Travel If you get sick while traveling, remember you ve got Teladoc. Don t Spend the Holidays Waiting Avoid the waiting room by calling Teladoc.

21 CASE STUDY: TELADOC/HEALTHIEST YOU CLIENT 2,231 Employees Self-funded EMPLOYER PLAN SNAPSHOT PCP CO-PAY OLD PLAN $25 NEW PLAN $35 HY UTILIZATION RATE 44.4% URGENT CARE CO-PAY ER CARE CO-PAY INDIVIDUAL DEDUCTIBLE $50 $100 AFTER DED. $2,500 $75 $200 AFTER DED. $3,500 TELEHEALTH CONSULTS (1,071) $311,661 Saved FAMILY DEDUCTIBLE PRESCRIPTION CO-PAY $5,000 $25 $7,000 $45 URGENT CARE SPEND REDUCED 37%

22 CASE STUDY: TELADOC/HEALTHIEST YOU CLIENT 225 Employees Fully-insured HY UTILIZATION RATE INSURANCE RENEWAL = Previous Year s Increase 86.6% -2% 10%-20% RAISES FOR THE TEACHERS & STAFF For the first time in years!! DR. CONSULTS 177 OUT OF POCKET $0 FREE consultation for employees

23 THANK YOU Liisa Granfors-Hunt Director, Account Management Corporate Synergies Cathy Sapp Executive Director Teladoc