Humana 2014 Annual Report Download - page 17

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Program, or FEHBP, primarily with our HMO offering in certain markets. FEHBP is the government’s health insurance
program for Federal employees, retirees, former employees, family members, and spouses. As with our individual
commercial products, the employer group offerings include HumanaVitality®, our wellness and loyalty reward program.
Our administrative services only, or ASO, products are offered to employers who self-insure their employee health
plans. We receive fees to provide administrative services which generally include the processing of claims, offering
access to our provider networks and clinical programs, and responding to customer service inquiries from members of
self-funded employers. These products may include all of the same benefit and product design characteristics of our
fully-insured HMO, PPO, or POS products described previously. Under ASO contracts, self-funded employers generally
retain the risk of financing substantially all of the cost of health benefits. However, more than half of our ASO customers
purchase stop loss insurance coverage from us to cover catastrophic claims or to limit aggregate annual costs.
As with individual commercial policies, employers can customize their offerings with optional benefits such as
dental, vision, life, and a portfolio of voluntary benefit products.
Group Medicare Advantage and Medicare stand-alone PDP
We offer products that enable employers that provide post-retirement health care benefits to replace Medicare wrap
or Medicare supplement products with Medicare Advantage or stand-alone PDPs from Humana. These products offer
the same types of benefits and services available to members in our individual Medicare plans discussed previously
and can be tailored to closely match an employer’s post-retirement benefit structure.
Wellness
We offer wellness solutions including our Humana Vitality® wellness and loyalty rewards program, health coaching,
and clinical programs. These programs, when offered collectively to employer customers as our Total Health product,
turn any standard plan of the employer's choosing into an integrated health and well-being solution that encourages
participation in these programs.
Our Humana Vitality® program provides our members with access to a science-based, actuarially driven wellness
and loyalty program that features a wide range of well-being tools and rewards that are customized to an individual’s
needs and wants. A key element of the program includes a sophisticated health-behavior-change model supported by
an incentive program.
We also provide employee assistance programs and coaching services including a comprehensive turn-key coaching
program, an enhancement to a medically based coaching protocol and a platform that makes coaching programs more
efficient.
Our Healthcare Services Segment Products
The products offered by our Healthcare Services segment are key to our integrated care delivery model. This
segment is comprised of stand-alone businesses that offer services including pharmacy solutions, provider services,
home based services, integrated behavioral health services, and predictive modeling and informatics services to other
Humana businesses, as well as external health plan members, external health plans, and other employers or individuals
and are described in the discussion that follows. Our intersegment revenue is described in Note 17 to the consolidated
financial statements included in Item 8. – Financial Statements and Supplementary Data. The following table presents
our services revenue for the Healthcare Services segment by line of business for the year ended December 31, 2014: