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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

Condition (Disease) Management

Wellness

Phase III

ACO – Accountable Care Organization

PBC – Performance Based Contracting

PCMH - Patient Centered Medical Homes

Reference Based Pricing

Tiered Networks

Centers of Excellence

Specialty Rx Carve Out

Enhance Wellness (Wellbeing)

Phase IV

Population Health Management

New Front Door & Technology:

Telemedicine

On-site Medical Clinic

Retail Care Centers

Mobile Applications, e.g.

One Rx

Wellbeing