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Ways to save on your health care expenses

Ways to save on your health care expenses. Not all Health Care is equal Quality Up to 98,000 avoidable deaths each year 18,000 fatal heart attacks due to lack of preventative medication 70% of chronic disease is reversible/preventable Cost

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Ways to save on your health care expenses

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  1. Ways to save on your health care expenses

  2. Not all Health Care is equal • Quality • Up to 98,000 avoidable deaths each year • 18,000 fatal heart attacks due to lack of preventative medication • 70% of chronic disease is reversible/preventable Cost • Price varies widely, irrespective of quality • $1,319 difference: Full-term delivery at top performing hospital versus all others • $700-$1,000 difference: Cost for MRI in 10 mile radius • $1,000 difference: Annual cost for Nexium versus generic equivalent Inconsistencies = barrier to improved health, lower cost

  3. How we can help you improve your health

  4. Choose Well, Live Well Personal Health Team is here to help you! • Specially trained Advocates including registered nurses, clinicians, EAP specialists, behavioral counselors and health educators that will help you improve your health. • Holistic approach to improving health and well being, coaching to healthy living/behaviors. • Will help you navigate the increasingly complex health care delivery system. • Call the number on the back of your ID card and select option 2. • Available from 9 am to 9 pm on weekdays. Also available on Saturday.

  5. Considering Surgery? Preference Sensitive Care • Helps you make informed decisions about treatment for conditions where there may be several options with the same anticipated positive outcomes • Supports your preferences and values in the decision-making process. We will send you decision support aids (videos/DVDs, brochures, online tools) • Available conditions • Coronary Artery Disease • Low Back Pain • Hip/Knee Replacement • Prostate Cancer • Breast Cancer • Benign Uterine Conditions Decision Support Content Providers

  6. Employee Assistance • Assistance with legal or financial matters • child care, elder care, pet care, shopping services • dealing with a life-threatening illness or a family member with a life-threatening illness • dealing with depression or drug abuse • unmanageable problems at work, in a relationship or in other key areas of life

  7. National Network of nearly 20,000 EAP specialists Psychologists Social workers Licensed master’s-level therapists No copay or claims 1-3 visits Onsite EAP services are also available on campus Face-to-Face Assessments

  8. Telephonic Coaching with the Choose Well, Live Well Personal Health Team Tobacco Cessation • Helps you develop a personalized plan to stop using tobacco • Free nicotine replacement Stress Management • Helps you understand your stress triggers and learn ways to cope with them • Free toolkit Weight Management • Helps you learn about and adopt healthy eating and exercise habits to help you lose weight • Free portion control plate, pedometer, tape measure and workbook Telephonic and Online Coaching available • The telephonic program, paired with a personal wellness coach will support you and help you stay motivated • Available for confidential one on one coaching and work on developing strategies for making healthful, lifelong behavior changes. • Prefer to learn online? Enroll in online coaching on myCIGNA.com. You receive weekly emails with key learning themes, motivational information and tips.

  9. Chronic Condition Management • Suffer from a chronic condition? • We will help you manage your condition better. Information provided over the phone and through the mail. Key Conditions: • Asthma • COPD • Depression • Diabetes • Heart Disease • Low Back Pain • Osteoarthritis • Peripheral Vascular Disease • Weight Complications

  10. How to save money when you need medical care

  11. An ounce of prevention is worth a pound of cure Get your preventative care exams When you schedule make sure you say you want your routine annual exam or preventative care check-up When you check out, make sure they mark a wellness diagnosis Take the Health Assessment on myCIGNA.com Use the Personal Health Record on myCIGNA.com - check for interactions - prepare for your visit Use the directory on myCIGNA.com - search for providers by quality and cost efficiency - look for the CIGNA Care Network designation - if you can, travel to larger cities with more competition

  12. Saving money when you need care now Urgent Care Average Urgent Care Center Cost $71 Average Hospital ER Visit $1,400 Local Urgent Care Facilities Sigma Med Express Arnett Health Urgent Care Center Unity Urgent Care Note all costs are estimates and based on the contracted rates. The plan you have selected will determine what your copay or coinsurance rate.

  13. Saving money when you need care now Convenience Care Clinics Average Convenience Care Clinic Cost $49 Average Hospital ER Visit $1,400 Local Convenience Care Clinic CVS MinuteClinic Not sure where to go? Call and speak with a nurse through the 24 Hour Health Information Line. The number is on the back of your ID card.

  14. Saving money on your blood work Spend 70-90% less on lab work by using a CIGNA preferred labs. Average Mid America/LabCorp Cost $10 Average Other Lab Cost (Arnett Lab) $60 Average Hospital Lab Cost $139 CIGNA Preferred Labs • Mid America Clinical Lab (Including PUSH) • PA Labs • Quest Diagnostics • LabCorp Note Copay and Incentive members will not pay anything as long as the lab is not done in the hospital. However, going to a CIGNA preferred lab will save the plan money.

  15. Saving money when you need a MRI or CT scan You can save hundreds of dollars by using an independent radiology center. • MRI or CT Scan • Average Independent Radiology Center $655 • Average Hospital MRI $1,410 Local Independent Imaging Providers Open MRI/Indiana MRI Innervision

  16. Find out how much services will cost before you have them with the CIGNA Cost of Care Estimator. Online tool that enables a health care professional to create an estimate of your payment responsibility Features • The Estimate is highly personalized; specific to… • the health care professional • the treatment or service • the your benefits (as of today) • Estimate includes key information you want to know: • What is the total cost of service or treatment? • Is there any anticipated CIGNA plan payment? • What is the bottom line (i.e, my out-of-pocket cost?) • Availability • Estimate can be generated pre-care (e.g., at scheduling) or while you are in the office (before check in or at check out) • Available in all care settings, including high-dollar (i.e., facility, elective surgery, etc.)

  17. The Printed “Explanation of Estimate” Easy-to-follow layout clearly shows the services being estimated and how benefits affect your bottom line Features • The Explanation of Estimate “does the math” and shows what you can expect to owe • Easy to read format Coming in June! CIGNA Cost of Care Estimator available on myCIGNA.com.

  18. How can I pay now? 4 2 1 What do I need to pay? Where can I track my past expenses? 3 How can I getexplanations? Keep track of your expenses by using Quicken Health Expense Tracker on myCIGNA.com 18

  19. See what you owe 1 2 3 Everyday language descriptions Step by step math calculations Understand what is owed Amount owed is highlighted; services and math are explained 19

  20. Receive guidance to act on your own Claim Assistant helps illustrate what steps to take Get help when you need it 20

  21. Pay with any majorcredit or debit card Pay your bills If all looks right, easily pay with any major credit or debit card 21

  22. Finding Quicken Health Expense Tracker myCIGNA Homepage myCIGNA My Plans Page

  23. How to save money at the pharmacy

  24. Saving money at the Pharmacy Always show your ID card (Medco or CIGNA) Use mail order for medicines you take every day Take your medication as prescribed Use a generic when available Be cautious of free samples Tell your doctor you can’t afford the drugs he/she is prescribing Purdue Choice Fund members can enroll in Coach Rx and receive text messages to remind you to take your medication Use online tools to find lower cost alternatives www.mycigna.com www.medco.com

  25. Save money at the Pharmacy when you have the Purdue Choice Fund Plan using the Prescription Quote Tool on myCIGNA.com Pricing will display for up to 3 selected pharmacies. CIGNA Tel-Drug pricing is also provided.

  26. Get real time price quotes and find lower cost alternatives Pricing for lower cost alternative medications is also displayed

  27. Get real time price quotes and find lower cost alternatives

  28. Questions?

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