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                                    Our delivery models meet the full spectrum of market demand, with a tailored solution for an employer%u2019s needs. Our %u201cpathways to yes%u201d strategy utilizes these innovative delivery models that enable clients to customize benefit plans, integrate targeted solutions and choose a financial model that best aligns with both employer and employee needs. These models are designed to cater to the unique requirements of each employer, emphasizing cost efficiency, user engagement and comprehensive health care management.Delivering More Value with Tailored SolutionsEach delivery model has a unique value proposition to meet the full spectrum of employer demands:Pathways to YesFull Service is our premier, established experience that offers a full array of integrated solutions, featuring:%u2022 Integrated member experience %u2022 Robust product offerings and engagement tools%u2022 Full spectrum of features that meet total population needs from healthy to high-cost claimantsLuminare HealthSM is our traditional TPA capable of flexible customizations %u2014 simple or complex %u2014 with offerings to more than 15 industries across 50 states, featuring:%u2022 A total benefits solution and support for essential-only, complex or alternative health plan designs%u2022 Customization to meet industry-specific needs (hospitals, tribal groups, etc.)%u2022 Ability to bundle ancillary and integrate with many third-party vendorsCollective Health%u00ae is a member experience focused TPA with integrated advocacy and care management, and a connected broad ecosystem, featuring:%u2022 A simplified, personal experience enabling members to better understand, access and pay for health care%u2022 Choice and flexibility to bring together carved-out programs%u2022 Easier, connected benefits administration
                                
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