The Road Ahead
Through our size, national footprint and use
of a unique technology platform, during the next three to five
years Digital will build a community that forever changes employee
benefits programs, particularly health insurance. By harnessing
purchasing power and acting as a collective force in the
marketplace, true innovation will lead to a new approach to
employee benefits, regardless of company size.
Digital is prepared to address health care reform and structural
changes in the marketplace in a way that sets our firm apart from
other advisors. We already have sophisticated assessment tools and
access to data from tens of thousands of accounts and hundreds of
thousands of individuals. Combined with expertise about rate
structures, subsidies and tax credits, Digital will become a true
partner with our customers by guiding businesses through major
strategic decisions and helping employees make the right decisions
for themselves and their families.
Digital Insurance has the passion, resources and growing scale
to make this happen. Coupled with committed employers, we can
evolve the status quo and effect real change. Together - as part of
a Digital community - we will create leverage, lower costs, empower
consumers, foster quality care and stimulate product innovation. We
invite you to join us on this health care journey.
» Collective Power
Typically, individuals, small businesses and
mid-sized companies have minimal influence. Combined however, they
represent the engine of our country - past and future. What is
missing in the health care arena is an organizing entity to unite
the collective force of these entities. Enter Digital
Insurance.
Digital is building a community of employers that, together, can
exercise significant muscle. We already help hundreds of thousands
of employees and their families manage rising health insurance
costs.
While regulatory restrictions limit rate concessions for most
employers on health insurance premiums, Digital has access to more
options to help you select a plan that fits your budget and meets
your employee contribution guidelines. Our consultants provide
creative solutions, such as high deductible health plans, health
savings accounts and tax advantage options, to further provide
savings. In addition, thanks to Digital's scale, insurers work with
us to develop preferred services and dedicated resources that
improve efficiency, save time and reduce expenses.
Development of innovative products is another expected positive
outcome when individual entities join to create leverage. We
currently offer customized products and price advantages with life,
disability, dental, vision and many voluntary insurance products.
Yet only in certain circumstances, are we able to truly impact
health insurance rates for small businesses - although we can
reduce expenses by steering customers to a greater variety of plans
and tax advantage options
While we are on track to build and deliver even more proprietary
products and services, as well as aggregate and offer best-in-class
employee benefits, health care and wellness solutions, employers
can further influence this process through a broad-based idea
exchange. By creating an online community that fosters this model,
Digital will champion innovative solutions that create real value
for small business and the people who work for them.
» Empowering Consumers
Lower premium prices are only one part of the
picture needed to improve today's broken approach to health care.
Employees and consumers lack financial incentives and accurate
information to seek the best care at the fairest price. When making
important decisions about health care services, insured populations
often are completely uninformed. Lack of transparency related to
quality and price prevent competition among health plans, as well
as hospitals and doctors.
We believe any trusted insurance advisor has a responsibility to
help employers and their employees make informed decisions about
the health care providers they use. Emerging third-party solutions
will assist us introduce these tools to our customers. In addition,
we plan to offer insurance company-based resources that present
information about quality outcomes and price. Digital also will
organize our employee/consumer community so each member has a voice
in the process.
As the retail marketplace evolves, Digital will create even more
sophisticated approaches.Through development of an online portal,
we will offer reliable information to help employees and consumers
make better choices that foster superior outcomes and healthier
lifestyles. We're set to dramatically expand the information, tools
and services Digital offers to add real value to consumers of
health care services. As we continue to invest in decision-support
applications to simplify choices, health care outcomes will
improve.
» A Digital Community
Our mission is to impact the health and
financial well-being of our customers. When employers aggregate
their energy and passion, the ability to influence market dynamics
follows. Digital Insurance has a plan to transform the health care
experience. It starts with an online community that will serve as a
catalyst for change.
In addition, the company will create a virtual marketplace where
employers and employees/consumers can shop for products and
services. A wealth of educational information that reshapes the
employee benefits and health services industries will begin to
impact lives.
By leveraging the collective strength of small businesses and
mid-sized companies - and by empowering consumers - we can
ultimately improve quality and lower prices. We'll keep you
informed of our progress, and we invite you to join us on this
compelling journey.
