Anthem Blue Cross 2005 Annual Report Download - page 20

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WellPoint, Inc. 2005 Summary Annual Report
18
Many Americans no longer see them-
selves merely as passive “patients” treated
by the health care system but as “con-
sumers” who are actively involved in
their own care. WellPoint is responding
with new ideas to help people navigate the
health care system and make informed
choices. We’re offering new “consumer-
driven” health plans (CDHPs) as part of
a wide array of innovative products and
services, along with information and
consumer tools.
consumer-driven solutions
Consumer-driven health plans can help
people take a more active role in their
health and health care (see graphic on
page 20). A typical CDHP includes a fin-
ancial account funded by the member and/
or employer to cover routine expenses,
including prescriptions. The plan also
includes traditional health coverage that
protects consumers against large expenses.
A well-designed CDHP also includes
information and services that consumers
can use to make the best choices for their
health and health care dollars.
WellPoint is a market leader in
offering consumer-driven health plans.
In 2005, WellPoint acquired Lumenos, a
pioneer in CDHPs, which enhanced our
existing consumer-driven health pro-
grams. The Lumenos plans, featuring
Health Savings Accounts and Health
Reimbursement Accounts, empower
consumers with health support programs,
and preventive services are always cov-
ered at 100 percent. The health support
focus includes easy access to information,
as well as personalized services and incen-
tives, to help consumers become better
informed about their health and adopt
behaviors that promote better health.
innovative products
In addition to CDHPs, we continue to
roll out innovative products that expand
coverage options for consumers.
Our Tonik plan, which was featured
in our 2004 report, is a product initially
offered in California designed especially
for uninsured young adults. We’ve
launched Tonik in Colorado and similar
plans called Sound in Texas and Illinois,
and further rollouts are planned this year.
In 2005, Anthem Blue Cross and
Blue Shield in Virginia introduced
Individual Essential KeyCare, designed to
trusted choice for consumers
Health care is complicated. Where can I turn
for help and information I can trust?