Smarter is helping your employees actively manage  their health. It's not only good for them, it can have a positive impact on your business.

Our innovative consumer-directed health plans, or CDHPs, motivate members to take charge of their health. They're more likely to schedule routine office visits and preventive tests, such as screening for diabetes or breast cancer to help them stay healthier.[13274621442]

That can mean real savings for you. The average plan sponsor that offers CDHPs:

• Decreases overall member medical costs by 7% and prescription drug costs by 16%
• Saves more than $400 per member per year
• Reduces non-routine physician visits by 9%.[13274621442]