The Combined Product Program is an innovative way to look at group health insurance through a consumer driven platform and High Deductible Plan designs.

The Combined Product Program consists of:

— A High Deductible Health Care Plan Design
— Credit/Debit Card technology
— Stop Loss coverage

Implementing a High Deductible Plan design allows us to negotiate with carriers to reduce premiums up to 25%. The Combined Product Program then takes advantage of the latest HRA, HSA, and FSA tax laws by suggesting the employer fund a portion, or all of the deductible on behalf of the employees. Funding the deductible on behalf of employees usually results in less expenditure than paying the premiums for a fully insured plan or a self-funded arrangement. Employees are given a Debit/Credit Card to use for any and all charges subject to the deductible. After the deductible has been fulfilled, health care coverage resumes at the carrier level as in all traditional plans.

Ultimately, if every employee used their entire deductible, there may be no savings to the employer. Therefore, a Proprietary Stop Loss Policy is purchased to mitigate this risk and ensure employer savings throughout the policy year.

This plan implements a multi- year forecast for Short Term and Long Term savings, ease, and the ability to negotiate with carriers in future policy years. Each component plays a vital role and is combined to ensure the program’s success, a valued added benefits program, and overall client satisfaction.


Our Benefit Wrap Program works in conjunction with the Combined Product Program to assist in claims avoidance. It is co-branded and co-sponsored with Walmart, New Benefits and Aflac, and utilizes Aflac’s Benefit Wrap approach – the enrollment platform that builds in unique benefits for educational and enrollment purposes by the Aflac consultant. The Benefit Wrap Program provides access to supplemental non-insurance products like Consult-A-Doctor™, Aetna Dental Network® and Walmart’s Rx Discount card. These supplemental products can reduce utilization, reduce potential HRA outlays, and lower employer claims experience, thereby potentially reducing employer renewal premiums and out of pocket costs. Moreover, this unique program can be offered to both fulltime and part-time employees on an employer paid or a voluntary employee paid basis.

A few more highlights of this exciting program include:

— Free Walmart Discount Rx card which can be used at Walmart and Sam’s Clubs only
— Free Prescription card that may be used at most pharmacies including CVS, Rite Aid, and many others
— Dental Access Discount Network®
— Discounts for Vision, Chiropractic Care, Vitamin Supplements, Durable Medical Equipment and Diabetic Supplies
— Aflac Supplemental Benefits
— Proprietary Walmart (LPN) Rx Pricing and open access formulary drug list.

Walmart – Provides deep discounts at Walmart and Sam’s Club on all prescriptions outside of the $4 copay program. Provides 24/7/365 customer service at point of sale. Provides co-branded card and customized website capabilities for enrollment and printing of needed cards, as well as all required reporting and tracking capabilities.

Consult-a-Doctor™ provides 24/7 access to a proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. It allows employees to communicate with licensed and board certified doctors via phone and online for answers to questions, get advice, diagnose common conditions, and prescribe medication when appropriate.

Enrollment Capabilities

Aflac Face-to-Face Enrollment – Employees can meet one-on-one with an Aflac consultant to utilize Aflac’s proprietary enrollment platform. This is a unique third party employee benefits enrollment system providing employer/employee eligibility enrollment files and tracking. The Aflac consultant will educate employees on core coverage’s, ancillary coverage’s, and voluntary benefits, including the Benefit Wrap Program and Aflac products. This comprehensive education will result in greater participation in the programs, thereby reducing employee out of pocket expenses – and ultimately resulting in claims avoidance and lower plan utilization.

MiQuotes, a call center, where employees have access to individual portable insurance products such as: life insurance, cancer coverage, hospital indemnity, accident insurance, and more. These services are available via web-based technology and highly qualified licensed insurance professionals who provide a response within 48 hours.

Let us discuss with you the benefits for your company and employee’s, call us today!

David Shapard at 888-229-2320 ext. 801 or DShapard@YPNStrategies.com