SmartResults^SM

Your strategy for healthier outcomes

SmartResults is a bold new solution to employers' healthcare cost dilemma. SmartResults is a three-year partnered approach among Humana, brokers, employers, and employees designed to deliver healthier outcomes and long-term claims cost control.

SmartResults: a smart choice for self-funded companies

SmartResults is currently available to self-funded accounts with 300 or more employees. Humana will put 40 percent of its benefit-administration fees at risk based on service and claims cost. As part of the program, Humana predicts the claims cost target to be no more than 6 to 9 percent, well below the 11 percent national average increase in health insurance premiums over the past five years.

How SmartResults works

SmartResults offers a long-term approach that:

Integrates with an employer's existing plan design
Improves health outcomes through a proven combination of engagement and intervention strategies
Streamlines administration using its comprehensive turn-key solution for programs, reporting, and service

Humana's financial guarantee

Humana is so confident SmartResults will work for you that we offer these financial guarantees. We will:

Put 40 percent of Humana's base administrative fees at risk based on:
- per member per month total claims cost
- service performance
Set second- and third-year trend factors as low as 6 percent*
Cap employer's administrative fee for years two and three
Set aggregate stop-loss trend target as low as 6 percent**

*As low as 6 percent with 100 percent fulfillment of employer commitment.
**Stop loss-guarantees are not available in Florida at this time.

SmartResults: three simple steps to lock in future savings

SmartResults makes it easy for employers and employees. With SmartResults:

Employers choose the strategy they and their employees are comfortable with
Employers and employees work together for employee engagement and improved health outcomes
Employers work with their broker and Humana to monitor their progress using a "scorecard" and reinforcing action plans as needed

Humana works to ensure SmartResults success

Humana supports employers every step of the way with:

Strategic relationship team to consult, develop, and oversee action plan tailored to company's needs
Employee communications support with newsletters and other communication vehicles
Tracking results with the SmartResults Scorecard through quarterly reviews and plan adjustments as needed

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