Innovation Spotlight - SuperPlan: two networks, one plan, easy administration, happy employees

 

PreferredOne is nimble and attuned to brokers and employers. That helps us build and refine products quickly. Innovation Spotlight keeps you current with our latest additions to the marketplace and opportunities to open new conversations with your clients and prospects.

SuperPlan is a big hit with employers. And brokers are taking notice, too.

SuperPlan offers Minnesota employers one easy-to-administer health plan that features two provider networks: a broad open access option and a smaller high-performance option we like to call the SuperTier. Doctors, clinics and hospitals in the SuperTier demonstrate efficient, high-quality care. When members choose SuperTier providers, they save money on out-of-pocket expenses such as deductibles and copays.

Employee choice and the option to save

With SuperPlan, members don’t have to choose one network or the other at enrollment. Instead, they can visit any provider in either network at any time. That allows families greater choice and flexibility. If one family member prefers a clinic from the open access network, the other members can still save money with SuperTier providers.

The rates are competitive, which employers appreciate, and employees have the choice to lower their deductibles. That’s a huge perk!” - Amy Courtright, vice president of employee benefits at Foster White

SuperPlan networks

There are two open access networks. Groups choose either Complete or Horizon. Complete, our largest network, includes Mayo Clinic/Hospital (St. Mary's and Methodist Campus) or Horizon, also comprehensive, but excludes Mayo Clinic/Hospital (St. Mary's and Methodist Campus).

SuperTier uses the Connect network. Connect includes M Health Fairview, North Memorial Health, Hennepin Healthcare, M Health Fairview University of MN Masonic Children’s Hospital, and other popular independent clinics throughout the metro area.

SuperPlan helps supercharge agency sales

Foster White Agency in Monticello, Minnesota, is on a roll. After netting the Minnesota Independent Insurance Agents & Brokers Association (MIIAB) 2019 Agency of the Year Award, the company’s staff, portfolio and book of business started to grow quickly. It shows no sign of slowing down. Foster White serves central Minnesota, primarily, with a mix of individual, commercial and employer benefits insurance coverage.

One reason for Foster White’s success? Agents there thoroughly investigate all options on behalf of their clients and prospects. When they shop health insurance for employers, for instance, Foster White’s agents compare all carriers, a practice that helps them find the best rates and keeps them on top of the industry’s most innovative products and features.

Giving employees an easy way to reduce their expenses just makes sense. It’s a new concept but it’s simple for members to understand and use.” - Kelly Holme, vice president of employee benefits at Foster White

The plan resonates with employers

“It’s definitely helped us sell business,” said Amy Courtright, vice president of employee benefits at Foster White. “The rates are competitive, which employers appreciate, and employees have the choice to lower their deductibles. That’s a huge perk.”

And it’s easy to sell, according to Kelly Holme, also a vice president at Foster White. She said the agency has placed more than 20 groups with SuperPlan. “A lot of groups already have high-deductible plans, so giving employees an easy way to reduce their expenses just makes sense. It’s a new concept but it’s simple for members to understand and use. Especially since most people are already familiar with the high-performance doctors, clinics and hospitals in their communities.”

Since introducing SuperPlan in 2020, PreferredOne small group business has more than doubled. Learn more about SuperPlan or contact your sales director.

SuperPlan offers dozens of plan designs

Check out the options here

See the networks

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