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Friends Life adds Doctor Online to Group Critical Illness & Group Cancer Cover

Friends Life is now offering Group Protection customers Doctor Online as part of its Best Doctors® service. Doctor Online is available to all Group Critical Illness and Group Cancer Cover scheme members and their families.

The service allows members to send medical questions, simply and confidentially, to an approved GP via a secure online portal. Through the Doctor Online service members will receive personalised answers to non-urgent medical questions within 72 hours.

All of the doctors are UK based and have been carefully selected to ensure they give the most reliable and up-to-date medical information. They are able to provide advice if a member has a medical question that is worrying them, or simply if they would like some reassurance about something their own doctor has discussed with them.

Doctor Online is intended to provide useful general information on health care issues related to different specialties.

Anna Spender, Head of Group Protection Proposition at Friends Life, said, “The launch of Doctor Online complements the existing Best Doctors services already offered by Friends Life, which allows members to access expert medical advice and information, whatever their concern. Whether searching for an expert second medical opinion to review a diagnosis and treatment regime, or simply having questions and concerns that they would like to have answered by an expert, Best Doctors is available to help scheme members. Doctor Online is not designed to replace visiting your GP but it could offer members a convenient way of getting some peace of mind about a medical issue which has been worrying them. For businesses, it means employees could avoid taking time off work to visit their GP because they can get advice sent straight to their inbox. Friends Life has formed a fantastic partnership with Best Doctors and we’re very pleased to be adding Doctor Online to our Group Critical Illness and Group Cancer Cover propositions.”

Dave Marcus, Director of Client Management at Best Doctors, said, “The volume of health information on the internet is huge and varies widely in terms of quality and reliability.  It can be a stressful process attempting to access material that is both trustworthy and relevant, and the search process itself can be both confusing and time consuming. Best Doctors is committed to offering the best possible medical services to our members and their families, and we are delighted to be extending the services we provide to Friends Life customers with the addition of Doctor Online.”

Best Doctors is a non-contractual service that may be withdrawn by us at any time without notice.

 

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Aetna and the Value Care Alliance Reach New Accountable Care Agreement

Aetna (NYSE: AET) and the Value Care Alliance (VCA), the state’s largest collaboration of independent health care providers, today announced a new accountable care agreement that is designed to improve the coordination and delivery of patient care to Aetna members in Connecticut.

The VCA comprises seven member hospitals and their affiliated physicians in Fairfield, Litchfield, Middlesex, New Haven and New London counties. The hospitals are: Griffin Hospital in Derby; Lawrence + Memorial Hospital in New London; Middlesex Hospital in Middletown; St. Vincent’s Medical Center in Bridgeport; and the Western Connecticut Health Network which comprises Danbury Hospital, New Milford Hospital and Norwalk Hospital.

Aetna members who receive care from VCA providers will experience more coordinated care, and will benefit from the improved flow of information to treating physicians in the ACO, particularly those patients with chronic or complex conditions. Aetna nurse case managers will work with the ACO to assist in care coordination, outreach and follow-up services.

“This agreement builds upon a strong foundation of collaboration already at work within the VCA and will enable Aetna to add support for the care delivered by the VCA to our members,” said Mark Santos, president, Aetna – New England. “Aetna will work closely with VCA physicians and member hospitals to find opportunities to share health information to improve care for Aetna members, close gaps in care and reduce waste. We are creating a loop of improved information to drive better care.”

Covered under the new agreement are more than 40,000 Aetna commercial health plan members who primarily received care from participating VCA providers over the last 24 months, as well as those who seek care from VCA providers following the start of the agreement. While health plan benefits will not change, members can expect a more highly coordinated, personalized level of care. To support these members, care coordinators at VCA member hospitals will complement Aetna’s care management programs in an effort to lower the number of days patients spend hospitalized and improve member health outcomes.

“This innovative approach to the delivery of health care strengthens our community’s access to affordable, high-quality care,” said John M. Murphy, MD, president and CEO of the three-hospital Western Connecticut Health Network. “The real beneficiaries of this agreement are the people we serve every day in our communities. This partnership will produce tangible and meaningful improvements in our ability to coordinate care, which is why we are so pleased to be a part of this progressive collaboration.”

This agreement includes a shared savings model that rewards VCA providers for meeting certain quality and efficiency benchmarks that have been proven to improve the health of members and reduce healthcare costs, such as:

  • The percentage of Aetna members who receive recommended preventive care and screenings;
  • Better management of patients with chronic conditions such as diabetes and heart failure;
  • Reductions in avoidable hospital readmission rates; and
  • Reductions in unnecessary emergency room visits.

“The focus of the VCA is to provide high-quality and low-cost health care including effective prevention and wellness services that benefit Connecticut consumers, employers and health plans,” said Vincent Capece, CEO of Middlesex Hospital. “Our accountable care partnership with Aetna will enhance our ability to provide care that is patient-centered, high-quality and efficient in a more coordinated manner.”

Aetna is working with health care organizations nationwide to develop products and services that support value-driven, patient-centered care for all health care consumers. Nationally today, about 3.2 million Aetna members receive care from doctors committed to the value-based approach, with 28 percent of Aetna claims payments going to doctors and providers who practice value-based care. Aetna has committed to increasing that number to 50 percent by 2018 and 75 percent by 2020. This accountable care agreement with the VCA is in keeping with the transition to more value-based care arrangements.

“The VCA has evolved quickly since its founding in 2014, with its members working collaboratively to enhance quality and reduce cost by identifying and sharing best practices and to develop the capabilities necessary to effectively manage the health of populations,” said Patrick Charmel, chairman of the VCA and president and CEO of Griffin Hospital. “We welcome Aetna’s industry-leading effort to motivate, facilitate and reward the delivery of high-value, patient-centered health care. We also appreciate Aetna’s accountable care partnership and the confidence in, and support of, the Value Care Alliance that it demonstrates.

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15 Days Remain Before Tax Filing Deadline: CMS Continues To Raise Awareness About The Intersection Of Taxes And Health Care

With the tax filing deadline two weeks away, the Centers for Medicare & Medicaid Services (CMS) is continuing to help consumers understand how health coverage and taxes intersect. This year’s tax season is the first time individuals and families will be asked to provide basic information regarding their health coverage on their tax returns. While the vast majority of tax filers – about three quarters – will just need to check a box on their tax return indicating they had health coverage in 2014, people who have coverage through the Health Insurance Marketplaces, or did not enroll in coverage, will take different steps that will be a part of the tax filing process starting this year.

“Our focus is squarely on increasing public awareness about this tax season,” said Kevin Counihan, CEO of the Health Insurance Marketplaces. “We’re making sure Marketplace consumers have the information they need to file their tax returns and that those who went without health coverage last year are aware of the requirement to have coverage or qualify for an exemption. Those who don’t qualify for an exemption and remain uninsured and did not understand the implications of the requirement to have insurance will need to pay a fee but also will have a final opportunity to enroll in affordable health coverage for the remainder of the year. As of March 29, about 36,000 consumers have selected plans using the tax special enrollment period in States using the Federally-facilitated Marketplace. Eligible consumers still have time to sign up and we want to encourage all those taxpayers who qualify to consider visiting HealthCare.gov to shop for affordable coverage.”

Tax filers who had health coverage through their employer, Medicare, Medicaid, veterans care or other health coverage that qualifies as “minimum essential coverage” will only need to check a box when they file their tax returns to indicate that they had coverage for all of 2014. The remaining taxpayers – about one-quarter -- will take different steps, including:

  • Reconciling Premium Tax Credits: Taxpayers who enrolled in coverage through the Health Insurance Marketplaces will use a tax statement from their Marketplace called a Form 1095-A to reconcile any tax credits they benefitted from to ensure that they receive the correct amount. Reconciling tax credits is similar to the reconciliation process for taxes withheld from wages during the year – consumers receive a larger or smaller tax refund based on whether the appropriate amount of taxes were withheld based on the tax filers actual income. The Department of the Treasury expects that the overwhelming majority of these taxpayers will still receive a tax refund.

We have provided updated 1095-A Forms to the vast majority of consumers who were notified that they needed a corrected form. There are a small number of forms that will require additional casework – including about 1,500 forms out of the 820,000 forms that had an incorrect second lowest cost silver plan. CMS continues to research requests for corrections or clarifications as they come in from consumers. Any Marketplace consumer concerned about the status of their updated form should contact the Marketplace Call Center at 1-800-318-2596.

  • Paying the Fee: People who did not have health coverage in 2014 and do not qualify for an exemption will have to pay a fee – generally $95 per adult or 1 percent of their household income, whichever is greater – when they file their taxes this year. The fee increases to $325 per adult or 2 percent of income for 2015. CMS is providing a special enrollment period to allow individuals and families who are subject to the fee when they file their taxes with an opportunity to purchase health insurance coverage for the remainder of 2015. Since March 15, when the tax special enrollment period (SEP) began, about 36,000 consumers have used the tax special enrollment period through HealthCare.gov to select a plan. 

The tax special enrollment period began on March 15, 2015 and will end at 11:59 pm EDT on April 30, 2015 for people living in States with a Federally-facilitated Marketplace. Those eligible for this special enrollment period must attest to all of the following:

  1. They did not know that the health care law required them and their household to have health coverage, or they didn’t understand how that requirement would affect their family. 
  2. They owe the fee for not having coverage for one or more months in 2014.
  3. They are not already enrolled in 2015 coverage through the Health Insurance Marketplace or outside of the Marketplace.

Some State-based Marketplaces are offering such special enrollment periods as well. Check with your State for information. If consumers do not purchase coverage for remainder of 2015 during this special enrollment period, they may have to pay a fee again next year for remaining months in this year when they file their 2015 income taxes. (Read more about the special enrollment period.)

Consumers seeking to take advantage of the can find out if they are eligible by visitinghttps://www.HealthCare.gov/get-coverage. Consumers can find local help at: LocalHelp.HealthCare.gov or call the Federally-facilitated Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855-889-4325.

The administration is committed to providing the information and tools tax filers need to understand the new requirements. If consumers have questions about their taxes, need to download forms, or want to learn more about the fee for not having insurance, they can find information and resources at www.HealthCare.gov/Taxes orhttp://www.IRS.gov. Consumers can also call the Marketplace Call Center at 1-800-318-2596. Consumers who need assistance filing their taxes can visit IRS.gov/VITA or IRS.gov/FreeFile.

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Group Risk Insurance Continues To Show Strong Growth In The UK

  • 200,000 more people received life and disability insurance cover arranged by their employers in 2014, adding to the very strong growth of 300,000 new people last year;
  • Since 2010, the number of people insured under group risk schemes has grown by almost 1.25 million;
  • Good premium growth of 7.9% across all lines; 8.9% increase in in-force death benefit premiums, 6% in long-term disability income premiums, and 7.8% increase in critical illness premiums;
  • Excepted group life premiums grew 27.9% and benefits by 29.4%, reflecting the response to changes to the lifetime allowance;
  • Number of new schemes grew as more employers set up excepted group life policies and critical illness schemes, but long-term disability income schemes continue to decline.

The excellent growth in the UK group risk insurance market continued in 2014, according to Swiss Re'sGroup Watch 2015. Premiums were higher in all product areas, with an overall growth of close to 8% for the year. Importantly, over 200,000 more people are now benefitting from life and disability insurance products arranged through their employer. The report finds that the market is resilient, but that there are still challenges, most particularly where the number of new to market disability income schemes remains disappointing.

"These are good figures for the group risk market – but they hide the fact that this industry is at a crossroads," says Russell Higginbotham, CEO Swiss Re UK & Ireland. "The welfare state cannot continue to fund at current levels and the next Government will have to make cuts to the welfare budget. Insurers need to be ready to step up and adapt to that new reality. If we don't, we may find existing models under threat in the same way that reforms have reconfigured pension provision."  

Group Watch 2015 reported steady growth across most lines of products. Premium growth was again very strong in the group death benefits sector with GBP 1.25 billion in-force premiums reported for 2014. This strong growth continues the trend from previous years, and is the first time the market recorded annual growth in excessive of GBP 100 million.

As in 2013, excepted group life premiums performed very well, with premiums growing by 27.9%. The move reflects the reduction of the lifetime allowance, which imposes a cap on pension savings of GBP 1.25 million. With the limit set to be reduced further to GBP 1.0 million from April 2016, employers are likely to continue preferring the simplicity this option presents.

The number of people insured for long-term disability income protection through their employers increased by 1.9% for 2014, building on the important milestone of two million people insured which was reached in 2013. In-force premiums were up 6.0% to nearly GBP 634 million. There was a decrease in the number of in-force schemes of 0.4% to 17,119.

Critical illness covers again experienced strong growth. In 2014, almost 475,000 people were covered, an increase of more than 90,000. In-force premiums increased by 7.8% and sums assured by 15.2%. The number of in-force schemes increased by 7.0% to 2,840.

"The results show solid growth once again but we need to decide if we want to carry on as we have done for the past few years or offer something more ambitious," says Ron Wheatcroft, author of the report.  "Auto-enrolment could be the way to increase coverage if we are unable to deliver growth to begin to fill the gap which will be left by declining state provision. Employees tell us that they would value greater workplace access to products and services but, somehow, this hasn't translated to more coverage."

Key figures from Group Watch 2015 (in GBP millions)

Total In-force premiums at end of year

Product Type

2009

2010

2011

2012

2013

2014

Death benefits

897

919

956

1,055

1,149

1,250

Long-term disability income

568

517

518

563

598

634

Critical Illness

48

50

55

60

67

73

Group Watch 2015 analyses and summarises group risk business results at the end of 2014. It also uses a qualitative survey among 34 insurers and intermediaries in the group risk market, conducted in February 2015.

The Swiss Re Group is a leading wholesale provider of reinsurance, insurance and other insurance-based forms of risk transfer. Dealing direct and working through brokers, its global client base consists of insurance companies, mid-to-large-sized corporations and public sector clients. From standard products to tailor-made coverage across all lines of business, Swiss Re deploys its capital strength, expertise and innovation power to enable the risk-taking upon which enterprise and progress in society depend. Founded in Zurich, Switzerland, in 1863, Swiss Re serves clients through a network of over 60 offices globally and is rated "AA-" by Standard & Poor's, "Aa3" by Moody's and "A+" by A.M. Best. Registered shares in the Swiss Re Group holding company, Swiss Re Ltd, are listed on the SIX Swiss Exchange and trade under the symbol SREN. For more information about Swiss Re Group, please visit: www.swissre.com or follow us on Twitter @SwissRe.

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Phil Austin heads Cigna's UK HealthCare Benefits business

Following the recent resignation of James Parker, Cigna has announced the appointment of Phil Austin as Managing Director of its HealthCare Benefits business in the UK

Phil joined Cigna in 2002 as Partnership Director for the UK business. Since then, he has held a number of international roles within the company. Most recently, he spearheaded the growth of Cigna’s Global Individual Private Medical Insurance (IPMI) business which provides solutions for high net worth and globally mobile individuals.

Phil commented, "I’m delighted to be re-joining Cigna’s UK HealthCare Benefits business at a time when the demand for health benefits is growing. There’s no doubt that private healthcare has a bigger role to play in the overall UK healthcare system. And it’s our job as an insurer to provide benefit plans that make it easy for employees to access care whilst producing a measurable return for employers."

As Phil transitions into his new role based near Glasgow, his colleague Arjan Toor is taking over the reins at Cigna’s Global International Private Medical Insurance business. Arjan is moving to the UK from Hong Kong, where he was previously Chief Marketing Officer of Cigna’s International Division.       

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Expats evacuated from Yemen with the assistance of International SOS and Control Risks

International SOS and Control Risks are providing evacuation assistance to member organisations with expatriate employees in Yemen.
 
The evacuation assistance follows the recommendation from International SOS and Control Risks for member clients to evacuate any remaining staff from the country. 
 
The triggers for advising evacuation were: The commencement of international military action, the expansion of the conflict to most urban centres, the further breakdown of law and order in some cities, and the consequent severe reduction of availability of healthcare services.
 
“Our role is to enable organisations to do business in challenging or remote locations whilst meeting their duty of care to their employees,” said Julian Moro, Regional Security Director, International SOS and Control Risks. “Operating in a country like Yemen requires careful management of medical and security risks to employees.”  
 
Air travel out of Yemen is very limited with infrequent flights occurring on short notice and only with government approval. Most overland routes are subject to significant security threats. International SOS and Control Risks advised members to stand fast in secure locations and be prepared to move with 30 minutes notice whilst preparations were made for the evacuations. As Yemen is classed as Extreme within the International SOS and Control Risks travel safety rating, member clients were prepared to respond, or had already taken their staff out of Yemen.
 
International SOS and Control Risks began issuing daily analysis on the situation in Yemen to their clients following last week’s initiation of the Saudi Arabia-led Operation Decisive Storm. Client communications and response actions are being led by the International SOS Regional Security Centre in Dubai.
 
Organisations that had staff in Yemen included energy, construction and telecommunications companies.
 
International SOS and Control Risks advise clients to defer all further travel to Yemen until further notice. They have advised against non-essential travel to Yemen since 2012.
 
Members with concerns about developments in Yemen can contact one of the 27 International SOS assistance centres. Detailed and regularly updated travel security information is available to members through the Members Zone at www.internationalsos.com  and via the International SOS assistance app. 

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Tourism, a national priority for Honduras

Honduras has joined the more than 70 countries committed to support the Travel and Tourism sector as a means to promote inclusive growth and development. During an official visit of UNWTO Secretary-General, Taleb Rifai, President Juan Orlando Hernández was presented with the Open Letter on Travel and Tourism. The joint initiative by UNWTO and the World Travel and Tourism Council (WTTC) calls on Heads of State and Government to publicly express their political commitment to support tourism as a development driver.

Political support at the highest level is a critical factor in advancing tourism’s role in national economic and development policies. Including Honduras, a total of 73 countries from around the world have now so far received the Open Letter on Travel and Tourism.

During an official four-day visit to the country, UNWTO Secretary-General Taleb Rifai presented President Juan Orlando Hernández with the Open Letter on Travel and Tourism. On the occasion, the President confirmed tourism’s importance “as a national priority for Honduras” and thanked UNWTO for supporting the country in its efforts to spur its international economic integration through tourism.

"Having tourism as a priority in your agenda is a very important and wise decision", said Mr. Rifai. “Honduras has a rich and diverse tourism offer that combines many market niches; I witnessed several projects clearly committed to a sustainable and responsible tourism development”, he added.

David Scowsill, President & CEO of WTTC says  “Travel & Tourism made up 15.9% of Honduras’ economy last year and that contribution is expected to rise by nearly 6% a year over the next decade.The Government’s commitment to the sector will bring rewards to the country in terms of increased visitors, spend and employment opportunities”.

Mr. Rifai also stressed that “Honduras must see itself as a connector between north and south, between the different cultures of Central America and as part of the greater circle of the Americas all together”.

The official visit by the UNWTO Secretary-General to Honduras, hosted by the Director of the Honduran Institute of Tourism (IHT), Emilio Silvestri, also included visits to different tourism development projects and initiatives such as the Mayan archeological sites in Copán, the colonial town of Gracias and the Caribbean town of Roatán, host of the forthcoming first UNWTO Global Observatory on Sustainable Tourism in the Americas.

On the occasion of the visit, 12 Honduran tourism companies and associations signed the Private Sector Commitment to the UNWTO Global Code of Ethics for Tourism, pledging to implement and promote its ethical principles in their policies and operations, further demonstrating Honduras’ recognition of tourism’s, social, cultural and economic importance.

In 2014, Honduras received 885,000 international tourists, an increase of 2.6% in comparison to 2013.

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Timing of Lunar New Year and US Port Congestion Boosts February Air Freight

Data for global air freight markets showing a sharp increase in year-on-year air freight volumes. Growth measured by freight tonne kilometers (FTK) was up 11.7% in February, compared to February 2014. Capacity grew 7.4%.

Much of the impressive February result is due to the timing of the Lunar New Year activities. Air freight is given a strong boost in the weeks leading up to the holiday, which last year fell in January. In addition, air freight volumes were enhanced by the consequences of congestion at US West Coast ports.

These factors showed up most in the Asia-Pacific results, with carriers in that region recording a rise in volumes of 20.8% year-on-year. Japanese carriers, in particular, benefited from the modal shift owing to congested sea ports in the US.

“A combination of factors made February the strongest month in a very long time for air freight. Nobody expects growth to continue at this pace. As we look forward, however, there is room for optimism. Business confidence improved slightly and trade continues to grow. The year is shaping up in line with a growth expectation of 4-5%,” said Tony Tyler, IATA’s Director General and CEO.

Feb 2015 vs. Feb 2014FTK GrowthAFTK GrowthFLF
International 12.7% 8.9% 50.5
Domestic 5.5% 1.4% 30.2
Total Market 11.7% 7.4% 46.5

 

YTD 2015 vs. YTD 2014FTK GrowthAFTK GrowthFLF
International 8.2% 7.1% 48.1
Domestic 2.9% 0.6% 30.2
Total Market 7.5% 5.7% 44.6

Regional analysis in detail

Asia-Pacific carriers saw FTKs grow 20.8% responding to strong demand ahead of the Lunar New Year. There is also evidence that significant automotive exports from Japan to the US shifted from sea to air. In general Japanese trade is enjoying a positive growth spurt, but emerging Asia and Chinese trade activity appears to be easing slightly. Capacity grew 12.7%.   

European airlines reported a 1.1% rise in FTKs. The European economy remains in the doldrums, and the effects of the Russian sanctions and the region’s recession continue to dampen demand. There is some sign of improvement in manufacturing output, which could lead to stronger air cargo growth in the months to come. Capacity grew 2.4%.    

North American carriers grew 8.7% year-on-year. The region’s airlines also benefitted from the congestion at US West Coast ports. The fundamentals of the US economy show employment, consumer and business confidence all improving, which should underpin volume growth even after the ports issue is resolved. Capacity grew 0.7%.     

Middle Eastern carriers expanded FTKs by 17.6%. The region’s carriers continue to benefit from their strong geographic base, and have further gained by expanding their networks and encouraging freight to transit through their hubs. Capacity grew 19.2%.    

Latin American airlines’ air freight volumes sharply declined by 9.6% in February. Although regional trade activity has increased in recent months, this has not offset the struggles of the Brazilian and Argentinian economies. Capacity grew 1.9%. 

African airlines reported 8.3% growth in FTKs in February. In Africa, the regional trade growth has counterbalanced the weakness in the Nigerian and South African economies. Capacity grew 3.8%.     

The bottom line

“The prospect of strengthening air freight growth in 2015 gives an added incentive to the air cargo industry to invest in new procedures and facilities. At the World Cargo Symposium in Shanghai, held in March, the discussions centered on improving the customer experience. Shippers are demanding better and more specialized services. The industry is responding with initiatives including accelerating the implementation of paperless processes, benchmarking cool-chain facilities, and tackling the challenge of illegal lithium battery shipments,” said Tyler.

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Blue Cross and Blue Shield of Minnesota Reports 2014 Results

Blue Cross and Blue Shield of Minnesota and its family of companies (Blue Cross) today announced audited financial results for 2014. Blue Cross closed out the year with net income of $61.5 million, reflecting positive investment portfolio performance that offset slight operational losses. The organization reported a net operating loss of $8.2 million on full-year revenues of $10.1 billion, for a negative operating margin of one-tenth of one percent (0.1%).

Blue Cross reported more than $9.1 billion paid in medical claims for the year, representing 90 cents of every premium dollar collected going directly to cover health care costs. Additionally, Blue Cross paid more than $205 million in taxes, assessments and surcharges for the year. Overall year-end 2014 enrollment of 2.6 million members represents a slight decrease from year-end 2013.

“Our operating performance for 2014 was favorable to projections, amounting to a near break-even year for the organization,” said Michael Guyette, president and CEO of Blue Cross and Blue Shield of Minnesota. “We knew 2014 would be a challenging year, as the market continued to go through significant transition related to health reform. We continue to engage with multiple stakeholders in order to explore ways of bringing additional cost and coverage stability for both the short- and long-term.”

During 2014, Blue Cross celebrated several successes in communities across the state. Among them:

  •     Collaborated with Allina, Entira, Minnesota Community Health Network (MCHN), Northern Health Alliance and Sanford Health in support of innovations that promote advancements in health care affordability and quality.
  •     Opened the company’s first health insurance retail store, where Minnesotans can receive health plan information, service and claims support.
  •     Raised more than $1 million in employee donations through the annual Community Giving Campaign to benefit more than 700 nonprofits statewide.
  •      Supported efforts of Minnesota communities to enhance access to health coverage and improve health, including:

o    Southern Prairie Community Care, an Accountable Community for Health, focused on improving the health of residents of 12 southwestern Minnesota counties.
o    Access to coverage grants, helping low-income Minnesotans enroll in insurance.
o    Act on Alzheimer’s, helping foster dementia-friendly communities.
o    Increasing access to various dental care programs in Mankato, Bemidji, Duluth and Rochester.

Audited results include the consolidated financial statements for businesses operating under Aware Integrated Inc. (AII), a non-profit corporation and parent organization. AII serves as the holding company for all affiliates and subsidiaries, including the following regulated businesses associated with Blue Cross:

Blue Cross and Blue Shield of Minnesota — A nonprofit health insurance company and independent licensee of the Blue Cross and Blue Shield Association.

Blue Plus — A nonprofit health maintenance organization (HMO) that offers health plans and contracted provider networks throughout Minnesota to individuals and local, state and national groups.

SelectAccount — A third-party administrator of medical spending accounts included in consumer-directed health plans throughout the country.

Blue Cross provides all information, reports and audited details as required by the State of Minnesota for both commercial and public program products. Detailed financial statements for the organization’s regulated businesses are filed with the Minnesota Department of Commerce. A consolidated earnings statement for 2014 results is available at https://www.bluecrossmn.com/2014Results.

Blue Cross and Blue Shield of Minnesota, with headquarters in the St. Paul suburb of Eagan, was chartered in 1933 as Minnesota’s first health plan and continues to carry out its charter mission today as a health company: to promote a wider, more economical and timely availability of health services for the people of Minnesota. Blue Cross is a not-for-profit, taxable organization. Blue Cross and Blue Shield of Minnesota is an independent licensee of the Blue Cross and Blue Shield Association, headquartered in Chicago. Go to bluecrossmn.com to learn more about Blue Cross and Blue Shield of Minnesota.

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Welcome To iPolicy Magazine: For International Expatriate Medical Health And Travel Insurance Brokers Agents And Intermediaries

Welcome To The 1st Issue Of iPMI Magazines Medical Health Travel and Expatriate Insurance Broker And Intermediary Report, iPOLICY.

 

Rounding up the last quarter's most important International Medical and Health Insurance Plan and Product News, iPOLICY is the essential digital report designed specifically for International Health Insurance Brokers and Intermediaries.

Read iPolicy by iPMIM now, click here.

Welcome To The 2nd Issue Of iPMI Magazines Medical Insurance Broker And Intermediary Report, iPOLICY.

 

Rounding up the last quarter's most important International Medical and Health Insurance Plan and Product News, iPOLICY is the essential digital report designed specifically for International Health Insurance Brokers and Intermediaries.

Read iPolicy Issue 2 by iPMIM now, click here.

Welcome To The 3rd Issue Of iPMI Magazines Medical Insurance Broker And Intermediary Report, iPOLICY.

 

Rounding up the last quarter's most important International Medical and Health Insurance Plan and Product News, iPOLICY is the essential digital report designed specifically for International Health Insurance Brokers and Intermediaries.

Read iPolicy Issue 3 by iPMIM now, click here.

For more International Private Medical Insurance Magazine medical insurance, health insurance, medical assistance, expatriate healthcare insurance and risk-protection news go to ipmimagazine.com

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Expatriate Health Insurance

Compare Expatriate Health and Medical Insurance Plans, Coverage, Quotes and Companies, with iPMI Magazine. iPMIM represents leading providers of expat medical, health and travel insurance plans. Find the right and most appropriate Expatriate Health Insurance for overseas travel, global mobility and relocation