Exchange student

It’s coming at you if you’re a health care insurance marketer. State health insurance exchanges will be the online gateway where as many as 30 million people will be able to obtain health insurance coverage and access financial assistance starting January 1, 2014, under Obamacare. Currently 22 states will allow the federal government to implement a major part of President Barack Obama’s health care reform law without creating their own individual exchanges (Pennsylvania, where our offices are, is one of them.).

Truth is, Section 1501 of the law will ultimately compel every American to purchase health insurance or face a fine levied by the IRS. This is both an obstacle and a boon to the insurance industry. Played right, providers, brokers and administrators can come out of this with additional revenues.

So what are some top tips for a positive outcome?

 

  • Get online. If your brokerage or TPA doesn’t have an interactive, fully functional web presence enabling consumer/broker involvement, now’s the time to, as they say, get it done yesterday.
  • Think like a marketer. The power is in consumer and group decision maker hands, so your message and medium need to be irresistible and ultra-competitive for you to have a share of mind.
  • Reach out and touch someone. Not just in the old-school manner, but in a mechanized, measurable, ongoing marketing initiative every day. Utilize media in addition to the in-person visit or personal phone call. If your organization doesn’t have a strategist to get your message out there, partner or hire. It’s that important.

 

“Who moved my cheese?” you may be saying. Change is never easy, but embracing it—in this case, the exchange’s upside—puts you ahead of the pack.

Direct Choice Inc. is a full-service direct marketing agency that has worked with national and regional brands in a wide variety of vertical markets. In addition to this blog, you can also find us on Facebook, Twitter, and LinkedIn

 

Healthcare Re-Branding: Not Your Same Old Health Insurance

All is not status quo in the healthcare marketing sector. Seemingly a coincidence, many of the insurance biggies and several Blues have introduced fresh, spanking new brand tweaks in the wake of the Supreme court’s recent Obamacare decision.  Prescient, anticipatory brand architecture redos appear to have been on advertising agendas coast to coast.

Aetna is a great example. The old “Aetna, glad I met ya” days are long gone. The logo alone is a tectonic shift in brand identification. In place of the old blue (of course) wordtype is a new approach in lowercase, which is, well, friendlier. Most revolutionary is the use of color. There is no guideline. No limit, virtually. Whatever color you want to use as a designer, to match the piece you’re crafting, you can use. This would appear to be saying, “This brand is all about you. Instead of our color—all about us—there are as many Aetnas as there are members. We can adapt to your flexible needs. We no longer need a capital ‘A’ in our name because it’s You with a capital ‘Y’ that concerns us most.”

Why—or Y—now? Why is Aetna, along with myriad others, moving like lemmings toward the kinder-gentler brand cliff?

Research indicates that many Americans—both individuals and small and large groups—are not feeling the warm and fuzzy toward the companies to which they pay increasingly higher and higher premiums and co-pays.  The most satisfied members, not shockingly, are those who are regular claim-filers who “get something” for their premium dollars. Those with the greatest brand resentment are the crowd who are relatively healthy and regularly envision what else they could be doing with those several hundred dollars a month per person. (A new hybrid, perhaps?)

The response by these brands is a proactive attempt to change and influence consumer attitudes and spending in what will become a healthcare provider Olympics. That is, a Darwinistic fight to the finish over the healthy among us. It has already started, with positioning designed to appeal to the lifestyle-focused, gym-going, supplement-taking, good-cholesterol-carrying, ideal-weight non-smokers of the populace.

Let the branding begin.

 

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Direct Choice Inc. is a full-service direct marketing agency that has worked with national and regional brands in a wide variety of vertical markets. In addition to this blog, you can also find us on Facebook, Twitter, and LinkedIn

Bottom Line on the Supreme Court Healthcare Decision

There’s no lack of content and opinion out there on the high court’s ruling about Obamacare. Our heads are practically delirious with all the deep-think and analysis. Now that a few weeks have gone by and the dust from Chief Justice Roberts and the Supremes’ pens has somewhat settled, we’re left with some prevailing thoughts, simply put:

  1. As a healthcare insurer, it pays to know your members. Especially the high-value ones. Whoever they are, double your efforts to identify them and keep them on the books.
  2. Healthy prospects are the holy grail. With the date for the exchange looming ever closer, attracting healthy individuals and groups becomes a smarter idea for ensuring a solid balance sheet. Who are the healthy groups? Where do you find individuals who are big claim- and smoke-free, at an ideal weight and devoted to a healthy lifestyle? Getting at these folks is possible, with the right marketing tools and technologies.

Wise organizations will align their marketing efforts—both push and pull—along these two pillars for the next year-plus, executing exchange-ready strategic plans.

The countdown has begun.

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Direct Choice Inc. is a full-service direct marketing agency that has worked with national and regional brands in a wide variety of vertical markets. In addition to this blog, you can also find us on Facebook, Twitter, and LinkedIn