Page 3 - 2021-blue-solutions-small-group-renewal-guide

What’s new in 2021
You want health care that’s effective, affordable, and simple. Independence Blue Cross (Independence) makes this a reality for both you and your employees by developing innovative products and solutions that lower costs and improve health outcomes. We’re pleased to share enhancements to our Blue Solutions® portfolio for 2021.
New and enhanced virtual care solutions
Virtual care helps increase access to care, provides an alternative to ER and urgent care visits, and reduces overall costs. Enhancements to our virtual care options through MDLIVE broaden the scope of services available and encourage member usage by eliminating cost-sharing. All health plans now feature:
> $0 cost-share for telemedicine services through MDLIVE
> $0 cost-share for telebehavioral health services through Magellan and MDLIVE
> $0 cost-share for teledermatology services through MDLIVE
For more information about virtual care services, see page 6.
New Achieve Well-being rewards
We’ve added rewards to our Achieve Well-being program* to give your employees even more incentive to get and stay healthy. Subscribers can earn a $150 gift card for completing required activities like getting preventive care and opting into digital messaging.
New solutions to help protect your employees’ wealth
We now offer the opportunity to help your employees and their families pay back student loans. GradFin provides strategies to reduce debt by refinancing or consolidating student loans.
Learn more about GradFin on page 10.
*Independence recommends that subscribers discuss the program with their legal and/or tax advisor.
Additional product enhancements
> Low-cost generics: Members have access to low- cost generic drugs included in all plans (page 11).
> Reduced site-of-service cost-share: Most PPO plans feature an even lower cost-share when members use freestanding radiology sites (page 5).
> Reduced urgent care cost-share in most copay plans: A lower cost-share encourages members to visit an urgent care center instead of the ER for non-emergencies.
> More choices for eyewear: Members can use their in-network frame or contact lens allowance at Glasses.com and 1800Contacts.com (page 13).
> Enhanced family dental plan benefit: Our Deluxe and Premier Family PPO dental plans now feature a $3,000 annual maximum to help members stretch their dental dollars (page 14).
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