SmartSuite integrates clinical programs, plan design, and communications.

SmartSuite®

With Humana's SmartSuite® program for customers with 100 or more eligible members, you can get rate credits by combining best practices for cost control with flexible options that engage employees.

By agreeing to six base requirements and three behavior modification programs, you can earn rate credits up to 5%.

To demonstrate our confidence in the cost-saving effectiveness of Humana's SmartSuite products, we're offering SmartAssurance® – a partnership that assures eligible employers a second-year premium increase of no more than 9.9%.

How SmartSuite Works

Step 1: Commit to six base requirements:
  • Full replacement
  • At least three, and no more than six, medical products; two must be consumer-driven health plan (CDHP) options
  • Flat contribution strategy
  • Spread greater than 8 percent across benefit plans
  • Rx benefit (Rx4, RxImpact, or HDHP) must be included
  • Cannot offer a richer plan design than currently offered
Step 2: Use the SmartSuite Client Commitment Form to select at least three behavior modification credits:
  • Credits are available for a variety of engagement strategies, including use of Humana's online Benefit Planner/Enrollment Center, clinical management participation, and simple plan design changes
  • Each credit is worth 0.5 or 1.0%
  • Maximum credit is 5%

How SmartAssurance Works

If you commit to SmartSuite Behavior Modification Credit activities equaling 5% for year one and year two, you may be eligible for the SmartAssurance rate cap, allowing you to create a multi-year strategy.

SmartAssurance for Elite partners – second-year premium rate cap of 9.9%
  • Fully insured only; 300+ eligible employees
  • Commit to SmartSuite's six base requirements
  • Using the SmartSuite Client Commitment Form, select and commit to Behavior Modification Credits equaling 5% for year one and year two
  • Agree to a two-year commitment
Find out more about SmartSuite and SmartAssurance

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