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ICU Lowest Hospitalization Surgery Member Discretion Specialist treatment Rx drugs Doctor office visits Highest The triangle ofhealthcare needs
High-deductible coverage Hospital and Surgery Rider Chronic Medication Rider Comprehensive Insurance & Member Advocacy Member incentives Personal Medical Fund The Destiny Model
The Destiny Health Vitality Program Health and Wellness Guidelines Vitality Points Vitality Status Vitality Rewards
Destiny Health: Changing Behavior • 40% take a more active role in well-being and physical activity • 18% reduced number of doctor visits by using nurse line or audio library • 44% asked pharmacist for lower cost Rx • 34% improved preventive healthcare regimen Strong Anecdotal Evidence of Success
Destiny HealthRenewal Experience(mostly small group) • Average Renewal Increase: 14.6% • PMF Carryovers: 57% of members • Average PMF Carryover: $310 • Renewals after carryover: 5.8% • Overall lapse rate to date: 3.6% A More Sustainable Solution