Humana 2008 Annual Report Download - page 7
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An insight-based understanding
of consumers’ needs. The economic
downturn will cause consumers to
seek value in their health plans more
than ever before. Humana’s ability to
analyze data and develop insights into
members’ individual situations gives us
an unmatched window on changing
consumer needs. In addition, our
specialty acquisitions over the past
two years and our strategic focus
on one-to-one retail consumerism
powerfully play into a value-oriented
health plan market.
Superior distribution models.
Our career sales force is the largest
in the industry. By selling our products
through highly trained, experienced
and successful in-house sales executives,
we have a higher quality sales process,
improved compliance and better
member retention. Career sales agents
are complemented by strong broker
relationships, as well as continuing
exclusive partnerships in Medicare
with State Farm® and USAA®
.
Innovative product designs.
Businesses that are fully engaged
with our innovative Smart family of
consumer-focused products have
experienced medical cost trends that
are both consistently and appreciably
below health care infl ation year in and
year out. We’ve continued to innovate
in response to employers’ needs through
SmartResults®
, a multi-year partnership
between employer groups and Humana
that focuses on employee health;
new Health Savings Account (HSA)
offerings; and our groundbreaking
alliance with the Business Health Care
Group of Southeast Wisconsin, which
has been hailed as a national model
of information transparency and cost-
effectiveness.
0
400
800
1,200
1,600
Dec. 06 Dec. 07 Dec. 08 J an. 09
PFFS HMO PPO
In thousands
Medicare Advantage Membership
The economic
downturn will
cause consumers
to seek value in
their health plans
more than
ever before.
2008 Annual Report 5