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SmartSuite®
SmartSuite is an industry-leading package of benefits for 100+ fully insured groups and 150+ self-funded groups. SmartSuite involves employees by giving them access to actionable information education and health plan choices.
A multi-year study proves that SmartSuite controls employers' health benefits expenses by encouraging informed healthcare choices – not shifting costs to employees. Our SmartAssurance program guarantee provides financial predictability for your health benefits costs. |
Package of plans
A full-replacement product that allows employers to choose a package of plans based on their contribution goals, group size, and current plan offerings. Employees choose the plan that fits their preferences and budgets.
With Humana's SmartStart financial modeling tool, employers can view enrollment predictions and the overall financial picture, so they can determine the one contribution level that is best for the company.
SmartSuite also includes guidance to help employees choose and use health benefits wisely — and gives them a greater sense of control over healthcare decisions.
A variety of health plans and spending accounts
Your options include:
A variety of health plans and spending accounts
Your options include:
SmartSuite’s integrated model of choice, guidance, and employee engagement minimizes premium increases. Humana conducted a major study of its SmartSuite health plans that validates the effectiveness of its guidance solution. Average annualized net trend for 192 large employers is 4.2 percent, as of July 2006.
Study participants:
- Used more preventive services with fewer inpatient hospital stays
- Had 76.8 percent prescription drug compliance versus 62.7 percent in traditional plans
- Used Humana’s online resources 50 percent more frequently than other members
This approach is not cost-shifting. The share of contribution from both the employee and the employer remained constant over the life of the study. Ultimately, we achieve cost savings for employers by changing behavior while creating a better experience for both employees and employers.
SmartSuite Study
 (139 KB) Download PDF English
SmartAssurance offers a second-year premium rate cap for eligible employers
Your options include:
We’re partnering with eligible employers to assure that their second-year premium increase will be less than eight percent.
To become a SmartAssurance partner, you must have a minimum of 300 employees for Elite categorization and execute SmartSuite strategies proven to achieve results:
- Create a flat contribution strategy based on a reference plan
- Offer four to six plans
- Two plans must be Consumer-Driven Health Plan (CDHP) options
- Sponsor “active” open enrollment with default plan being CDHP
- Use online tools pre- and post-enrollment
- Commit to two-year policy
For details on the SmartAssurance partnership, talk to your agent or Humana sales representative.
MEMBER RESOURCES
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Humana members can log in to MyHumana to view secured details about their personal health plan. |
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