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Consumerism
Education &Communication
Wellness Transparency
Account
Health Plan
Consumerism
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Consumerism
Education &Communication
Wellness Transparency
Account
Health Plan
Consumerism
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
NO Copays!
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Difficult to get off the “crack”
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Addicted to Co-pays?
Put down the crack pipe, you
must!
Let it Go!
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Drop the Banana!
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Consumerism
Education &Communication
Wellness Transparency
Account
Health Plan
Consumerism
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Part of the Job
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Good HSA
Administrato
r
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
“I just use the local bank”
-They’re local
-You may have a relationship with the local bank
-They’re local
-May not specialize in HSAs
-May be slow to open/fund accounts and may have difficulty answering ???s
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
An Important Decision
Selecting an HSA administrator is just as important as choosing an insurance carrier. If your employees don’t have a good experience, they’ll blame you.
Don’t let the HSA administrator you recommend be “the weakest link.”
Consumerism
Education &Communication
Wellness Transparency
Account
Health Plan
Consumerism
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Pricing Tools
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
When the consumer has a problem, the market delivers a solution.
Removing the copays creates a problem for the consumer.
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Problem SOLVEDSOLVED
ER Alternatives
• Extended Hours
• Online Check-in
• More convenient and less expensive than an emergency room
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Urgent Care Centers
DR Alternatives
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
1. Retail Clinics
DR Alternatives
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
1. Retail Clinics
2. Phone-Based Physicians
Lab Alternatives
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
1. Retail Labs
Lab Alternatives
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
1. Retail Labs
2. Diagnostic Testing Websites
Rx Alternatives
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
1. Switch to a Generic
SynthroidRetail: $26.09
Discount Card: $20.35
Contracted Price: $18.24
Generic: $11.98
Levothyroxine Sodium
Rx Alternatives
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
1. Switch to a Generic
2. Discount Generic Programs ($4-5)
Rx Alternatives
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
1. Switch to a Generic
2. Discount Generic Programs ($4-5)
SynthroidGeneric: $11.98
Levothyroxine is on Wal-Mart and Sam’s Club’s $4 Generic List
Rx Alternatives
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
1. Switch to a Generic
2. Discount Generic Programs ($4-5)
3. Ask for Samples
Consumerism
Education &Communication
Wellness Transparency
Account
Health Plan
Consumerism
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
You Are What You Eat
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Photo Essay
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
What the World Eats
Clean Your Plate
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Clean Your Plate Platter
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
How Do We Change Behavior?
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
The Portion Plate
www.ThePortionPlate.com
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Wellness Programs
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
www.VirginHealthMiles.com
GoZone Pedometer
Strategic Contributions to HSA
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Consumerism
Education &Communication
Wellness Transparency
Account
Health Plan
Consumerism
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Benefits Communication
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Source: Watson Wyatt Worldwide Employee Survey
Stay Smart Stay Healthy
www.StaySmartStayHealthy.com
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
Family Health Budget
www.FamilyHealthBudget.com
HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.
