Mary Flynn. UnitedHealthcare VP, Dental Market Solutions
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1 Mary Flynn UnitedHealthcare VP, Dental Market Solutions
2 Business Economy Politics Culture
3 Thousands of Persons Environment Employers continue to find that the overall benefit portfolio is central to worker recruitment and retention Employers continue to offer competitive & expanding benefit portfolios Employee cost share and responsibility increasing Defined contribution strategies are on the rise blurring the lines between contributory and voluntary for dental and other specialty lines Analysis on benefit effectiveness and results are a constant with heightened focus on Affordability Transparency Value based networks Globalization Provider and consumer accountability play a role in an individuals perception of financial stability 1 160, , , ,000 80,000 60,000 40,000 20, Source: U.S. Bureau of Labor Statistics fred.stlouisfed.org All Employees: Total Nonfarm Payrolls 1. MetLife s 14 th Annual U.S. Employee Benefit Trends Study.
4 Data Security Among employers concerned with data security, 57% are likely to offer a single carrier vs. just 24% among those less concerned with data security.1 Health Records Exposed in 2015 (that we know about) Anthem: 78.8M Premera Blue Cross: 11M Excellus BCBS: 10M UCLA Health: 4.5M Medical Informatics: 3.9M CareFirst BCBS: 1.1M 1. MetLife s 14 th Annual U.S. Employee Benefit Trends Study.
5 Data Security Among employers concerned with data security, 57% are likely to offer a single carrier vs. just 24% among those less concerned with data security.1 Affordable Care Act Repeal and replace Insurer fees Changing influences from 2 to 100 BROOKINGS In a new online report, the Brookings Institution begins, President-elect Trump and Congressional Republican leaders have staunchly expressed their intent to replace the ACA but keep in place some key popular features of the law such as the ban on discriminating based on pre-existing conditions. If replacing the ACA is truly the goal, though, repealing it first without a replacement in hand is almost certainly a disastrous way to start. 1. MetLife s 14 th Annual U.S. Employee Benefit Trends Study.
6 BROOKINGS Core Values Work/Life Balance Boomers Born Anything is possible Equal opportunity Question authority Personal gratification Climb corporate ladder Family time not first on list Use technology as needed for work and increasingly to stay in touch through social media Gen Xers Born Independent Pragmatic Entrepreneurial Self-reliance Work/life balance important Don t want to repeat Boomer parent s workaholic lifestyles assimilated seamlessly into day-to-day life Millennials Born Globally minded Optimistic Tolerant Expanded view on work/life balance including time for community service and selfdevelopment is integral Early adopters who move technology forward Each generation will have varying: Benefit Needs Expectations Communication Preferences Definitions of Value Source: Kleiner, Parkins, Coufield and Byers Triple Tree, LLC. All Rights Reserved.
7 Millennials has accepted a new job 1 in 4 to have more competitive benefits. Of those, 23% ranked dental as the most appealing element of the benefits package that made them accept. 13% HSA 23% Vision 38% Medical 23% Dental Online survey by Wakefield Research on behalf of Transitions Optical, Inc. in November 2015 among 1,000 nationally representative U.S. adults, ages 18+, employed FT or PT, whose employers offer vision benefits.
8 Give employees the benefits they value, and they'll be more satisfied, miss fewer workdays, be less likely to quit, and have higher commitment to meeting the company's goals.
9 Population with Dental 170,534, ,296, ,659, ,849, ,626, ,266, ,261, ,454, ,209, ,375,460 Environment 46% Employer Sponsored 6% Employer Pay All 71% Cost Share 23% Voluntary 17% Medicaid / Government DENTAL BENEFIT ENROLLMENT TREND % of Population with Dental 57% 57% 58% 55% 57% 57% 60% 61% 64% 66% NADP Dental Report: Enrollment. September 2016.
10 Controlling Costs vs. Richer COMMERCIAL DENTAL BENEFITS BY PLAN TYPE DHMO DEPO DPPO Dental Indemnity Discount Dental Direct Reimbursement 9% 10% 10% 9% 6% 5% 6% 6% 4% 4% 9% 7% 7% 6% 6% 11% 19% 17% 14% 13% 62% 63% 67% 69% 74% 77% 78% 79% 82% 82% 9% 9% 8% 8% 8% 8% 8% 8% 8% 7% Note: Tracking for DEPO enrollment began in NADP Dental Report: Enrollment. September 2016.
11 Rapidly expanding dental PPO networks lease, share, organic growth Affordability is equal to increased or expanded benefit levels at best in class overall cost Popular features: rollover benefits, removing preventive from annual max, wellness components On the rise: provider scorecards, consumer reviews, online appointment scheduling Creative bundling of benefits: savings, extended rate guarantees, acquisition or partnership between carriers
12 Minimum loss ratios Discounts on non-covered services Impact of extraterritorial states or state based requirements States taking a stronger position on EPOs, coinsurance differentials, out of network payment basis Network attestations
13 Will the management of oral health impact the plan design and underwriting of the future
14 Embedded wellness features Member level benefits Capture of medical diagnosis codes Care management models Inclusion in group wellness programs Dental incentives Integrated analytics
15 The most significant work today is in the Medicaid segment. Where you may see Dental Telehealth today and expanding over time: Expanded access to care for underserved communities Increased scope of services by paraprofessional s with virtual oversight Bringing care direct to consumers Head Start Centers Schools Residential facilities for people with disabilities Long-term care facilities An ability to have a 2nd opinion, consult with dental specialists or other health professionals Virtual follow-up care improves cost and adds convenience
16 Consumer influence, engagement and loyalty
17 Net Promoter Score PROMOTERS Loyal enthusiasts who keep buying from a company and urge their friends to do the same PASSIVES Satisfied but unenthusiastic customers who can be easily wooed by the competition DETRACTORS Unhappy customers trapped in a bad relationship
18 73% of millennials are interested in their doctors using mobile devices during an appointment to share information. 71% of millennials would be interested in a doctor giving them a mobile app to actively manage their well-being for preventative care, review health records, and schedule appointments. 60% of millennials are interested in using telehealth options (e.g., video chat with a doctor) so they don t have to come into the office for an appointment. 63% of millennials would be interested in proactively providing health data to their doctor via wearable devices so they can monitor their well-being. 1. Source: Salesforce Triple Tree, LLC. All Rights Reserved. 2. MetLife s 14th Annual U.S. Employee Benefit Trends Study.
19 Create a more personal experience Help navigate the healthcare system Encourage best practices CUSTOMER ADVOCATE Integrate touch points High-Performance Operations Multiple channels of access
20 Faith is taking the first step even when you don t see the whole staircase. - Martin Luther King Jr.
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