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Bending the Trend Line

Phase I

Plan Design

Deductibles

Co-pays

Co-Insurance

Funding

Phase II

Consumer Driven Health Plans

Network Efficacy Analysis

Refine Contribution Strategy

PBM Carve Out

Wellness

Phase III

ACO – Accountable Care Organization

PBC – Performance Based Contracting

PCMH - Patient Centered Medical Homes

Reference Based Pricing

Tiered Networks

Centers of Excellence

Disease Management and Enhanced Managed Care Protocols

Specialty Rx Carve Out

Wellness

Phase IV

New Front Door & Technology, e.g. on-site Medical Clinics

Teledoc

Retail Care Centers (Walmart, Walgreens, etc.)

Mobile Applications

One Rx

Wellbeing

Wellness