OPERATING
MODELS

Our operating models demonstrate our ability to provide unique solutions to customers who want something different. We recognize that not all employers are the same and have invested in expanding our delivery model capabilities to offer the right fit for each customer, emphasizing cost efficiency, user engagement and comprehensive health care management.

Each Operating Model Offers a Unique Value and Experience

Full Service
A premier experience that offers a full array of integrated solutions, featuring:

• Robust service offerings and engagement tools
• A full spectrum of features that meet total population needs
• An integrated Blue Cross and Blue Shield ecosystem with a trusted brand and proven model

Luminare Health^SM
A traditional TPA (Third Party Administrator) providing flexible customization, simple or complex, with offerings across 50 states and integration of employer-preferred program partners.

• Plug-and-play customization.
• Highly flexible model with capability to bundle ancillary solutions and integrate with many third-party vendors.
• Improved administrative cost-efficiency with a streamlined self-funding model with essential capabilities.
• Meets the needs of customers looking to create a highly personalized benefit environment and custom, tiered plan designs.

Collective Health^®
A modern TPA that offers an integrated, digital-first experience with a proprietary analytics engine and the ability to give employers the choice and flexibility to curate a variety of digital health programs.

• Tailored tech-enabled solution leveraging digital solutions and high-touch customer service.
• Meets the needs of customers looking for member tools and experience and robust plan admin functions.
• Streamlines Human Resource functions for customers, saving time and reducing administrative costs.

Not all services are available in every state. Please Contact Us to learn more.