Trustmark Affinity Markets

A Powerful Combination for Success

Agenda

• Introductions and Purpose

• Trustmark Overview

• Association Value Proposition to Membership

• Features

– Comprehensive Program

• Program Summary

• Q & A

Trustmark Overview

Trustmark Affinity Markets and Starmark are divisions of Trustmark Life Insurance Company.

• Rated “A-” (Excellent) by A.M. Best, the industry’s most-watched analyst of financial stability

• Began in 1913 as the Brotherhood of All

Railway Employees

• A health insurance and benefits administration leader

• More than $1.74 billion in assets

• More than 5,000 employees

• Two million policyholders

• Mutual holding company managed for the benefit of policyholders

Trustmark Affinity Markets Advantages

• More than 50 years of association experience

• Smart, easy way to offer members comprehensive, affordable healthcare coverage

• Participating member groups join together to obtain coverage

• Starmark is celebrating their 25 year selling and servicing the small group market this month

Value Proposition – Association Level

• Long term partnership and solution

• Offering Flexible product designs, with Personal service, from a Trusted carrier

• Scheduled reviews and strategy sessions to develop programs that meet the needs of the Association

Value Proposition – Member Group

• Member group receive a fully insured Starmark contract (2+ employees)

• 1000’s of Medical Plan Combinations available

– $250-$10,000 deductibles

– 100/80 – 60/40 coinsurance

– $5,000 - $20,000 coinsurance limits

– $20, $30 and $40 office visit encounter fee

– Five RX card co-pay options

– Large groups (100+) have even greater flexibility

Health Management

• Health Management Solutions

– Health & Wellness Outreach

– Care Champion

– MyNurse 24/7

– MaternaLink

– Quarterly e-newsletter

– Online Decision Tools

• Health A-Z

• Hospital Quality Guide

• Rx Price Comparison

• Physician Quality Guide

Cost Containment

• Access to extensive, nationwide physician and hospital networks, including Aetna Signature AdministratorsSM (ASA) PPO Network, plus more than 20 regional networks

• Caremark/CVS Pharmacy benefits

• Lab services through Quest Diagnostics

• Case Management

• Centers of Excellence

• Fraud Protection

• Easy, paperless enrollment with Express Connect

5

Cost Control OverviewComprehensive & Integrated Programs

Claim CostControls

NetworkDiscounts

CareManagement

Util ization Review

Case Management

Disease Management

Predictive Modeling

Fraud & AbuseThe Sentinel Group®

Out of Network DiscountsShared Savings Plan

Claim Payment Controlse.g., unbundling, upcoding, duplicates, etc.

Transplant Network DiscountsUnited Resource Networks

Mental Health NetworkCORPHEALTH

®

Pharmacy Network Discounts

Network Discounts/Savings

Third Party Payment RecoverySubrogation, Medicare, Workers Comp

Pharmacy ManagementNegotiated Bill Services

Benefit Payment Accuracye.g., not allowed, COB, etc

Maternity ManagementDaily Developments

Out-of-Network R&CPhysician and facility

Client

Indiana PPO networks

• Aetna ASA

• First Health

• PHCS – Multi Plan

• Health Link

• Sagamore

Member Underwriting

• Member Groups are underwritten using the following

– Current census of employees

– Plan selection

– Group / Area demographics

– Network chosen

– Medical conditions

– Claims experience will be used to underwrite larger groups (100+)

Express Connect

• Unique paperless individual underwriting– Streamlines process

– 10 minute average interview

– No tracking down paper applications

– Safeguarded confidentiality and medical information gathered during the process

– Accurate premium rates reflecting health status

– Enrollment card completed during the process

– English and Spanish on site, 177 other languages through a language line

Marketing

• Developed to enhance membership value. “Brought to you by Association”

• Surveying of member base to determine needs prior to kick-off

• Email blasts

• Website links / landing pages

• Customized proposals

• Available to the group’s current broker

Lead Generation Process

• Marketing materials mailed/e-mailed in advance of calls

• Lead generator contacts the member firm and captures:

– Renewal date

– Group size

– Characteristics (census)

– Current carrier

• Trustmark sales consultant will work with group’s current broker, if desired

– Educates on association program

• Quote presented to group

• If interested, group proceeds to paperless enrollment via Express Connect

• Final rates presented

10 Great Reasons to Choose Starmark®

• 1. Affordable coverage through flexible health plans employers can customize to meet their needs and budget, including HSA-friendly plans.

• 2. Strong network access and in-network discounts with access to national and regional PPO networks, plus network access while outside the primary PPO area.

• 3. CareChampion 24/7® health advocacy program to help employers and members navigate the healthcare system.

• 4. Healthy Foundations®, a comprehensive suite of health and wellness management tools, helps maximize the health potential of every plan member. Plus, plans include a discount program for vitamins, and vision and hearing services/supplies.

• 5. Easy enrollment online or via telephone through Express Connect®.

10 Great Reasons to Choose Starmark®

• 6. Seamless integration of claims processing and HRA administration with the Starmark HRA.

• 7. Unparalleled personal service, including a personal welcome call for each new group. Plus, Starmark follows up to ensure customer satisfaction continues throughout the year.

• 8. Small group specialist, small business is our only business

• 9. Convenient online tools help producers sell new groups and retain existing business.

• 10. Quick access to information through www.starmarkinc.com makes plan administration easy for employers. Plus, members can view claims and a summary of benefits, as well as access tools and information to better manage healthcare costs.

Trustmark Affinity MarketsAn Affinity for Excellence

Thank you