Mercer coalition Mercer Health Advantage

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Clients have choice of maintaining existing Wellness program or offering no Wellness ... Employee service center. • Em
Not Peer Reviewed

Reduced Costs

Simplified Administration

Empowered Employees

TODAY: DEFINED BENEFIT

EMERGING: DEFINED CONTRIBUTION

Critical illness (employee paid) Employee share Employer share

2014

2015

2016

2014

2015

Employer + employee save

2016

Funding Flexibility One-Stop Shop Less Administrative Burden for HR BenefitFocus – Proven Partner Compliance Assurance Personalized Experience Decision Support Expertise Reduce Over-Insurance All Groups >100 Employees

Reduced Costs

Simplified Administration Exceptional Value

Empowered Employees

Defined Contribution

Funding Flexibility

Reduced Costs

Collaborative Buying

Reduced Number of Overinsured

Fewer Coverage Gaps

Reduced Costs

Collaborative Buying

Identify Products

Create competitive benefit solutions

Favorable Rates & Terms

Cost Savings through Mercer collectives

Reduced Costs

Decision Options

Insured employers: generally single carrier per location Self-insured employers: three medical carriers plus one regional carrier per location

Plan Designs

Choice of up to five plan designs between 64% and 92% actuarial value

Pharmacy

Insured employers: “carve-in” approach with medical carrier

Five “riders” – Bariatric, Infertility, Gender Change, Autism, Disease Management

Self-Insured employers: “carve-in“ or “carve-out” to Mercer collectives

Reduced Costs

Decision Stop Loss

Self-Insured: “carve-in” to qualified stop loss carrier, “carve-out” to Mercer coalition

Mercer Health Advantage (MHA)

Enhanced clinical platform, predictive modeling, care gaps

Wellness

Clients have choice of maintaining existing Wellness program or offering no Wellness program

One-stop Shop

Less Burden for HR

Simplified Administration

Standardized Processes

Compliance

Simplified Administration

Comprehensive Scope Plan Administration

• System configured for client-specified rules

• Online enrollment • Dependent and beneficiary collection

• • • • •

Carrier eligibility reporting Payroll reporting Life event processing Premium reporting Evidence of insurability processing

• COBRA / Direct Bill • Open Enrollment management

Employee Engagement

Account Administration

• Employee service center

• Health Care FSA

• Employee

• Limited purpose FSA

Communications

• Benefit Education materials

• Learning center

• Dependent Care FSA • Health Savings Account • Health Reimbursement Account

Simplified Administration

Funding

DC or DB

Employee communications & education • Online

Standard Plan Designs

• Call center • Print & email

Choice among multiple, prescreened plans Enrollment

Administration • Eligibility Determination

Election Data

Carriers

Deductions

Payroll

• Data-driven Events • Election Management • Contribution Calculation

Reporting & Premium Data

HR Professionals

Empowered Employees

Decision Support

Comprehensive Benefit Options Personalized Experience

Empowered Employees Specialty

Purchase resources Focused

Learn expertise Effective Effective program program management management

Employee

Data

analysis Assess Needs

Flexible Choice

Medical

Supplemental Health

Life, DI, Dental and Vision

Ancillary – Voluntary

Spending Accounts

Empowered Employees

On-line

Service Center

Print & Email

Empowers your benefits and ensures that your benefits are empowering to employees