Best Doctors Corporate Health Insurance

Transcription

1 CERTAINTY. IT S WITHIN YOUR REACH. CORPORATE HEALTH INSURANCE UNDERWRITTEN BY CERTAIN UNDERWRITERS AT LLOYD S

2 . BEST DOCTORS, WHEN YOU NEED TO BE ABSOLUTELY SURE Best Doctors Corporate Health Insurance is built around the idea that getting your employees the best medical care should be the starting point of any insurance. We provide direct, immediate impact from initial diagnosis, regardless of the level of coverage you chose for your company. Not only do we help employees navigate the healthcare system we give them confidence to articulate their wishes, concerns and questions with their own treating physician. Essentially, we become your employee s healthcare advocate. LLOYD S DELIVERING FINANCIAL SECURITY Best Doctors Corporate Health Insurance in Trinidad and Tobago¹ is 100% underwritten by certain underwriters at Lloyd s. This means that our coverage is backed by the financial strength of Lloyd s 2 billion solvency position which has been given top ratings by A.M. Best, Fitch, and Standard & Poor s. Lloyd s is the world s leading specialist insurance market and is a trusted name in more than 200 countries and territories. KEY FACTS 20 YEARS OF EXPERIENCE 30 COUNTRIES 15 MILLION PEOPLE 280 CORPORATE GROUPS 50,000 OF THE WORLD S BEST DOCTORS 98% CUSTOMER SATISFACTION LLOYD S CURRENT ratings A.M. BEST STANDARD & POOR S FITCH RATINGS A (Excellent) A+ (Strong) A+ (Strong) Stable Outlook Stable Outlook Stable Outlook 1 Lloyds, as an association of underwriters, is a registered insurer under the Trinidad and Tobago Insurance Act 1980 s. 188

3 CASE STUDY.. Name: Dave.. Case Overview: Surgery and radiation to remove and eliminate tumor.. Best Doctors Expert Findings: Radiation treatment not indicated no evidence of tumor.. Impact: Avoided incorrect treatment and severe complications. DAVE WONDERED IF RADIATION THERAPY WAS NECESSARY At age 37, Dave was experiencing neck pain and numbness in his limbs. After a series of tests, he was diagnosed with a spinal cord tumor and scheduled for surgery and radiation treatment. RIGHT DIAGNOSIS Concerned about the potential for paralysis and effect of radiation, Dave called Best Doctors to have his diagnosis put through the Best Doctors InterConsultation process, an exclusive benefit available as part of his corporate heath insurance. IMMEDIATE IMPACT Dave s case was analyzed by the world s best specialist who discovered that he had been misdiagnosed. Instead of a life threatening tumor, Best Doctors discovered that Dave had a family history of Cavernous Hermangiomas, the real cause of his pain and numbness. The correct surgery was performed and the potential for severe complications was avoided. Today, Dave is back at work, pain free and enjoying a certainty that only Best Doctors can offer. Best Doctors empowers employees and their physicians to make the best health choices.

4 INTERNATIONAL MEDICAL COVERAGE LIKE NO OTHER Illness has no boundaries, medical care shouldn t either. That is why Best Doctors created international insurance plans to meet your specific corporate needs covering your employees locally and at the very best centers of excellence in the world. DIRECT PAYMENT TO HOSPITALS AND DOCTORS By accessing Best Doctors exclusive Member Care Network, your employees save and no longer have the burden of dealing with large out of pocket expenses. Best Doctors Member Care Network is comprised of the most respected private hospitals, pharmacies, vision and dental practices in the country. Members also enjoy access to our hand-selected group of Affiliates of Excellence, local surgeons, general practitioners and specialists recognized as the leaders in their fields. Our Network and Affiliates are guided by Best Doctors Trinidad and Tobago Medical Advisory Board, which actively participate in debate and initiatives designed to advance the frontiers of medical care. PERSONAL FROM THE FIRST INTERACTION By providing Best Doctors Corporate Health Insurance as a benefit, you immediately give your employees new medical options and peace of mind. The moment a member calls Best Doctors, a Member Advocate is permanently assigned. Whether it is a request for an InterConsultation, a claim enquiry, or a benefit confirmation, our team is here to provide courteous and timely answers. Through our Personalized Services we help coordinate medical appointments, hospital admissions, travel arrangements and lodging when a member receives medical care outside of Trinidad and Tobago. Bottom Line: Your employees get the best possible access to expertise and support when they need it most. A Step Ahead. ENSURE THAT YOUR EMPLOYEES HAVE THE RIGHT DIAGNOSIS AND TREATMENT AT THE RIGHT TIME.

5 BEST DOCTORS IS CHANGING THE FACE OF MEDICINE. CBS 60 MINUTES NAVIGATIONAL ADVOCATE UNPRECEDENTED ACCESS We understand there are multiple pathways to successful outcomes. Our process directs members to the right pathway continually offering support and arming members with information to help them make informed decisions about their healthcare. More than two decades ago, two Harvard Medical School physicians had a vision of making the best medical expertise available around the world. Today, through our patented InterConsultation service, Best Doctors Corporate Health Insurance gives members the ability to consult with 50,000 physicians recognized as the top 5% of all doctors in the world. Covering more than 400 sub-specialties, these are the experts that the doctors themselves would go to obtain the most trusted medical opinion. This service helps confirm diagnosis and recommend the most appropriate treatment. Our locally based clinical coordinators are trained to help employees ask the right questions, communicate their uncertainty, understand their healthcare concerns and help them navigate the health system.

6 .. MAKING IT SIMPLE We work in partnership with you to clearly communicate that using the Best Doctors high-value benefits and coverage is simple, effective and empowering. You re busy we get that. Our streamlined process makes implementation and administration simple. Our plans embrace your company s cultural strengths. And we give you and your employees certainty when you need it most. LET US SHOW YOU HOW Learn more how Best Doctors Corporate Health Insurance can improve overall quality of medical care, save you money and keep your employees engaged. Call today to schedule a needs assessment and overview of our flexible, customized plans. For more information visit PLAN ADVANTAGES No age limit to apply. Coverage for pre-existing conditions (depending on group size). Training program to help your Human Resources Department effectively implement benefit. Support by locally based coordinators. Invaluable InterConsultation benefit to confirm diagnosis and treatment. Coordination of medical appointments in and outside of Trinidad and Tobago. Access to proprietary database of Best Doctors Experts who are in the top 5% of their profession for clinical excellence. Direct payment to hospitals and doctors in the USA, and Trinidad and Tobago. MEMBER ENGAGEMENT EXTRAORDINARY IMPACT.

7 55% CHANGED DIAGNOSIS OR TREATMENT DID YOU KNOW? Best Doctors is a unique healthcare solution that benefits all employees. Our Corporate Health Insurance underwritten by Lloyd s provides quality and reduces costs by ensuring your employees get the right diagnosis and the right treatment right when they need it. This has a direct and immediate impact on quality of care. It s astonishing. 30% of every healthcare dollar is spent on duplicative or unnecessary care. 1 That costs your company money and impacts your employees lives. Avoid the High Cost of Misguided Care. BEST DOCTORS IMPACT The results of the InterConsultation benefit available in our insurance plans speak for themselves. In 55% of the cases that we provide medical insight, our specialists change the original diagnosis or recommend a different treatment plan. 2 Outcome of InterConsultation reviews* 55% Changed diagnosis or treatment 26% Confirmed plan for treatment 12% Identified that pathology was incorrectly interpreted 7% Identified insufficient work-up 42% WANT CONFIRMATION OF APPROPRIATE TREATMENT Reasons why members use the InterConsultation * 42% Want confirmation of appropriate treatment 17% Questioning need for surgery 12% Don t understand diagnosis 12% Symptoms not improving 10% Skeptical of their doctor 7% No diagnosis 2 19% CARDIOVASCULAR AND PULMONARY DISEASES 1 TIME Magazine June 15, Source: Best Doctors InterConsultation cases Our members seek help for a variety of conditions* 19% Cardiovascular and pulmonary diseases 16% Oncology 16% Orthopedics and trauma 16% Neurology and neurosurgery 9% Skin, eye, ear, nose and throat 9% Immunology and infectious diseases 9% Nephrology and endocrinology 6% Rare genetic diseases

8 Best Doctors insurances arranged at Lloyd s. Insurance administration services provided by Best Doctors, Inc. on behalf of Lloyd s of London. Best Doctors, the Star-In-Cross logo, InterConsultation, AdvancedCare, GlobalCare, CriticalSelect, PremierPlus, StaffChoice and UltimateCare are trademarks or registered trademarks of Best Doctors, Inc. in the United States of America and other countries. Call USA Collect USA Toll Free Trinidad and Tobago Toll Free Fax Lloyd s is a registered trademark of the Society of Lloyd s and is used under license. Lloyd s is authorized under the Financial Services and Markets Act Copyright 2010 Best Doctors TT_ABOUT US_ENG_JAN 10 V1