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What is CareSavings?
CareSavings aims to maximize the value of the health benefits that your company provides. You spend money twice in healthcare
1. Select health insurance plan: Pay premiums and put money away in a FSA/HSA to save on taxes
2. When you use care: Pay copay, coinsurance, deductible
Care Savings is about empowering you to save thousands of dollars when you pick a plan, and get good quality care at a less expensive price.
Use-Cases
1 Select Plan:
Your total healthcare costs =
Your premium (determined by plan chosen)
- Out of pocket costs(determined by usage)
- Tax savings (FSA or HSA)
- Free money from employer into your HSA (if applicable)
CareSavings helps you pick the most optimal plan between “Cigna HDHP” and “Cigna PPO 250”
Done right, you can save up to $5,600
| Savings Potential from PPO to HSA | |||
|---|---|---|---|
| Low Usage | Medium Usage | High Usage | |
| Employee | $2,887 | $1,878 | $1,695 |
| Employee+Spouse | $5,612 | $3,315 | $1,470 |
| Employee+Child(ren) | $5,324 | $882 | $4,693 |
| Employee+Family | $5,485 | $1,919 | $5,088 |
2 Use Care:
Demo in January
Helps you save money on some of the most common care needs.
These include:
- Help identify the free preventive care in addition to your annual physical checkup
- Dr. Visits and telehealth
- Save time and money on labs and imaging
- Pharmacy: Find cost saving strategies and also where to buy
- Urgent care locations for avoidable ER
- Large bills: Negotiate your large bills for you
Quickstart in 3 steps
- Register: Download the app from Appstore or Playstore, and register using code “APVR”. See video.
- Get Cost Estimate: Login => Enter your basic details => “Provide expected usage” => Get your estimated costs. See which scenario works best for you.
- Get Reward: Finish it and get $50. Refer your friend and get $10 when your colleague signs up.
Done right you can save Up to $5,600
User personas
- Denzel is a single person who takes expensive infusions and visits specialists. [HDHP] Video
- Johnny and Lori are a married couple with fairly high healthcare needs.[PPO] Video
- Brad and Angelina are a married couple with regular healthcare needs. [HDHP] Video
- Emma is a single mom: She wants to pick a plan for her 10 yo son and herself. [HDHP] Video
- Morgan and Jeanette are a family with 2 children: One has some medical needs. [PPO] Video
- Tom and Rita are a family with 2 children: Not much healthcare usage. [HDHP] Video
Rewards and Referral Bonus
- Use the app to select a plan that you plan to use
Login => Enter your basic details => “Provide expected usage” => Get your estimated costs => Select the plan(HDHP or PPO) => “Collect $50 Reward”. See screenshots here - Get $10 for every referral that signs up to CareSavings
a. Login => More => Share => share via text, whatsapp, email, slack etc.
– You get $10 for every employee who uses your code to signup to Care Savings. An employee can signup only once
Done right you can save upto $5,600
Our mission is to make healthcare affordable and meaningful!
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