HealthRally Raises $400K to Motivate Wellness

SAN FRANCISCO–(BUSINESS WIRE)–HealthRally, a social health company developing a new crowdfunding platform for personal health motivation, announced that it raised more than $400,000 in seed funding and assembled an expert board of strategic advisors.

The company is building a social health platform focused on inspiring the nearly 100 million Americans who spend over $50 billion annually trying to achieve wellness goals such as losing weight, quitting smoking, or improving one’s overall health and fitness.

The seed round was funded by Esther Dyson, a prominent angel investor in disruptive technologies; Isy Goldwasser, a successful biotech entrepreneur; Dick Sass, a medical device entrepreneur; Ty Danco, a prolific angel investor; and Jeff Thiel, a former Microsoft executive.

“Games and badges are great, but most people would probably rather have an iPad, a vacation, or cool new pair of shoes,” says Zack Lynch, CEO and co-founder of HealthRally. “HealthRally combines the power of social networks with the latest findings in behavioral science for healthy motivation and sustained support.”

HealthRally ties together advances in behavioral economics — which shows that financial incentives triple one’s chance of reaching a health goal — with cutting edge social networking science — which proves that engaging close friends and family increases success rates. In practice, when friends and family contribute financially to one’s goals, peer support and success rates dramatically increase.

“It’s the oldest trick in the book,” says Esther Dyson. “Make a commitment to a group of friends, and you ‘have’ to deliver! HealthRally helps you assemble the friends and manage the process, and adds the psychological value of making the commitment and incentives explicit and formal.”

HealthRally’s advisory panel includes researchers and entrepreneurs with deep experience in behavioral economics and social networking, including: Paul Zak, Director, Center for Neuroeconomic Studies, Claremont Graduate University; Tom Valente, Social Networks and Health expert, Keck School of Medicine, USC; Denise Thomas, former President, Healthiest You; and Ross Mayfield, Chairman and co-founder, Socialtext; among others.

The company is currently in private beta and will be launching a public beta in time to help people conquer their New Year’s resolutions. Individuals can request an invitation to participate at

About HealthRally

HealthRally is a social health company that has developed a crowdfunding platform that uses social motivation and positive financial incentives to inspire people to achieve their health and wellness goals. HealthRally was co-founded by Zack Lynch and Peter Kaminski. Zack is the founder of the Neurotechnology Industry Organization and author of The Neuro Revolution: How Brain Science Is Changing Our World (St. Martin’s Press.) Peter has been technical co-founder at several companies including Socialtext and Yipes Communications.



Zack Lynch, 415-279-7462
Ross Gillfillan, 415-599-4403


Independence Blue Cross Presents Next-gen Mobile Insurer Apps At Insurance & Tech Executive Summit

PHILADELPHIA, Nov 7, 2011 (GlobeNewswire via COMTEX) — Independence Blue Cross announced that its director of e-Business, Michael B. Yetter, will speak today about mobile app marketing strategies in health care with other industry leaders at the Insurance & Technology Annual Executive Summit held in Carefree, Arizona.

“As we look into 2012 and beyond, there are technologies and concepts that play a significant role in shaping development of next-gen apps for our health plan members, including Mobile Health, which is better known as mHealth,” said Yetter. “‘Gamification’ is a growing trend in the mobile app industry, which is applying game design concepts and principles to mobile apps to further strengthen our member engagement. People like to be entertained, to compete, and to be rewarded. The more these principles are applied to mobile apps, the deeper the engagement with the consumer. IBC is exploring cutting edge ways to ‘gamify’ mobile app strategies already in place, and we will soon be piloting a new wellness engagement and competition program that we hope to offer more broadly next year.”

Another hot topic as the health care industry shifts toward more individual coverage is mobile payment systems, and Yetter will discuss next-gen ideas for individuals to pay their health plan bills with their phones.

“IBC made a strong entry into the mobile app space during 2011 and we plan to continue to innovate for our customers and members, using the latest technologies to provide the time-saving features and convenience that their lives demand,” Yetter added.

Yetter will discuss the mobile platform race between Apple iOS, Google Android, Blackberry, and Windows in phone devices and tablets. He will share his insights that, while some platforms may lose market share, there is no single winner currently emerging, and developers will continue to face complexity in building apps for several health care industry platforms.

The Insurance & Technology Executive Summit is an invitation-only event for senior-level insurance company executives. The conference presents relevant content, authoritative speakers, and networking opportunities for sponsors. The event is comprised of conference sessions, vendor meetings, and networking-focused social activities.

About Independence Blue Cross

Independence Blue Cross is a leading health insurer in southeastern Pennsylvania. Nationwide, Independence Blue Cross and its affiliates provide coverage to nearly 3.1 million people. For 73 years, Independence Blue Cross has offered high-quality health care coverage tailored to meet the changing needs of members, employers, and health care professionals. Independence Blue Cross’s HMO and PPO health care plans have consistently received the highest ratings from the National Committee for Quality Assurance. Independence Blue Cross is an independent licensee of the Blue Cross and Blue Shield Association.


Anthem Blue Cross Emergency Room Interventions Using Google Maps and Education, Empower Consumers to Choose ER Alternatives for Non-Emergency Conditions

WOODLAND HILLS, Calif., July 8, 2011 /PRNewswire/ — Anthem Blue Cross has launched an emergency room education campaign incorporating Google Maps to make it easier for consumers to find and use retail health clinics and urgent care centers for non-emergency conditions when their regular physicians are not available.

“When your five-year-old is crying with a fever at 7 p.m. on a Friday because she has a sore throat or an ear ache, what do you do?” said Kurt Tamaru, MD, Anthem medical director.  “It’s important people know that they have options for less serious ailments other than an ER, such as retail health clinics and urgent care centers that provide quality care and cost them significantly less.”

For example, emergency rooms that contract with Anthem Blue Cross generally charge an average $641 to treat strep throat compared with $70 at urgent care centers and $27 at retail health clinics. Consumers can save out-of-pocket expenses because ER copays cost about $150, compared with $10 to $40 for retail health clinics and urgent care centers.

“Not only were the ER program’s online tools developed to be easy to use—but they are available to everyone,” said Pam Kehaly, president, Anthem Blue Cross. “All you have to do is go to Google, Yahoo! or Bing, and type in ‘Anthem and urgent care’ and our educational site will pop up with a link to help you find ER alternatives. The link will also provide information on when it’s appropriate to use these alternatives.”

“We see in our data that the highest rates of avoidable ER use are among people 34 and younger—those who are less likely to have a primary care physician but more likely to be technology consumers,” Tamaru said. “We chose to develop Google Maps and create online links because that’s where many consumers go for information today.”

About 17 percent of all visits to hospital emergency departments nationally could potentially be treated at retail medical clinics or urgent care centers for an estimated savings of $4.4 billion, according to a RAND Corp. study published in the September 2010 edition of Health Affairs. ER visits also are getting longer, with California ranked 40th nationally in the length of its ER waits—274 minutes, according to the Emergency Department Pulse Report, Press Ganey Associates, 2010.

Research performed by HealthCore Inc., which conducts research for health plans and others, showed that a pilot program with a commercially insured population in Virginia, which included member education via e-mails and online advertising, in addition to financial incentives and a Google map finder for retail health clinics and urgent care centers, assisted in members’ decisions to use ER alternatives for non-emergency care.

The study showed that ER use for conditions that could be treated at retail health or urgent care clinics decreased in 2010 from 2009 for all populations studied.  Specifically, HealthCore reported a 14 percent decrease in ER visits for those who participated in the program compared with those who did not. The decrease in visits covered minor sicknesses or conditions that could be treated elsewhere.

“This program demonstrates that by empowering members with information on appropriate resources, they can get the care they need while helping to control health care costs and reduce their out of pocket expenses,” added Kehaly.

After the intervention period, the group participating in the program was more than twice as likely to seek treatment for non-emergency conditions at retail health clinics than those who did not participate.

The ER program includes:

  • Links on Google, Yahoo! and Bing that drive visitors to an educational site explaining when it’s appropriate to use ER alternatives, such as retail health clinics and urgent care centers.


  • A Google map, available to everyone, that provides the location of ER alternatives in Anthem’s network throughout the state so that consumers can easily find them.
  • Automated calls to educate members whose recent ER visits were potentially avoidable, and e-mails to members interested in learning more information.
  • Educational pieces mailed explaining the type of conditions that could be treated at ER alternatives and potential differences in cost.

About Anthem Blue Cross:

Anthem Blue Cross is the trade name of Blue Cross of California.  Anthem Blue Cross Partnership Plan is the trade name of Blue Cross of California Partnership Plan. Anthem Blue Cross and Anthem Blue Cross Partnership Plan are independent licensees of the Blue Cross Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc.  The Blue Cross names and symbols are registered marks of the Blue Cross Association. Additional information about Anthem Blue Cross is available at Also, follow us on Twitter at, on Facebook, , or visit our YouTube channel at


SOURCE Anthem Blue Cross


Blue Shield of California Members Share Personal Health Stories Online

SAN FRANCISCO, CA (June 30, 2011) — Building on an ongoing effort to engage its members about health, Blue Shield of California announced the launch of Member Stories, an online forum that lets members share personal stories that will hopefully inspire others to take control of their own health challenges.
Blue Shield members can submit text, photos and video to show how they are managing their health. Members can also read others’ stories, post comments, tag stories as “inspiring,” and share stories via Facebook. From now until July 31, Blue Shield will donate $5 for every story that’s shared on Member Stories. When members share their stories, they can choose to benefit one of three charities: California Partnership to End Domestic ViolenceThe Children’s Partnership, and California Primary Care Association.
“Tackling personal health issues can often be a solitary experience. Through Member Stories, our members are publicly sharing stories in a rich, deeply moving way that empowers other members who face similar challenges,” said Sue DeLeeuw, director for brand marketing, Blue Shield of California. “This is our way of harnessing the wisdom and bravery of our member community for better health.”
Member Stories is Blue Shield’s latest online initiative aimed at empowering members to share knowledge and experiences around health.
  • Ratings and Reviews, a first-of-its-kind feature in the healthcare industry, lets members give candid, public feedback about their experiences with Blue Shield health plans. It has collected nearly 2,000 member reviews averaging 4.0 out of 5 stars.
  • Ask & Answer, which enables members to ask questions and share knowledge about health topics, has generated more than 1,500 questions and answers from members and Blue Shield customer representatives and healthcare professionals.
Examples of inspiring member stories
Dozens of Blue Shield members have already shared stories about their challenges and triumphs with health issues ranging from stress and sleeplessness to cancer and high cholesterol. Dorothy Judy and Jo D’Anna are two examples.
  • Dorothy and Scott Judy of Newhall, Calif. had been fighting the battle of the bulge for years, but the couple recently took control of their weight and has lost a combined 77 pounds since last January. Initially hesitant to be “out there” with their experience, Dorothy, 56, and Scott, 60, shared their weight loss success online for the first time with Blue Shield’s Member Stories, and they’re proud they did it. Their story shows the power that a support system – in this case, a spouse – can have in overcoming health challenges.Writes Dorothy:”Having his support made a huge difference in my success. Eating right, exercising 4 or more days a week has changed my outlook on life and the way I look and feel. Taking control of this aspect of my life has made a big contribution to my health and well being.”

    Dorothy thinks that seeing other people willing to talk about their health struggles and/or successes through Member Stories can make the journey to better health less lonely.

  • Jo D’Anna of Forest Knolls, Calif. had heard horror stories from friends about colonoscopies and put off getting her own for more than 10 years. The lack of reliable transportation from friends and family only made it easier for the singer-songwriter to continue postponing it, but her family history of colon disease finally compelled her to get it done. Last May, just after turning 61, Jo got her first colonoscopy, calling it “a piece of cake, and actually fun.” She has provided a detailed account of it on Facebook and Blue Shield’s Member Stories. Her story shows that colonoscopies are not as embarrassing, uncomfortable or invasive as most people think.Writes Jo:”The procedure itself was a piece of cake, and actually fun. The nurses were delightful and funny, and made you feel completely at ease, like it was no big deal. They keep you comfy and warm. They talk about funny things. Then, suddenly you’re wheeled into the procedure room and before you know it, you’re totally unconscious. I woke up in the sunlit recovery room, having felt no time pass, and absolutely no pain.”

    Jo hopes the story of her colonoscopy will encourage those considering it not to procrastinate.

The full version of these and other stories are available at

Background on Blue Shield of California

Blue Shield of California, an independent member of the Blue Cross Blue Shield Association, is a not-for-profit health plan with 3.5 million members, 4,800 employees, and one of the largest provider networks in California. Founded in 1939 and headquartered in San Francisco, Blue Shield of California offers a wide range of commercial and government products throughout the state.

Blue Cross & Blue Shield’s Online Social Network Supports Member Discussions on Health and Wellness Topics

Blue Cross & Blue Shield of Rhode Island (BCBSRI) this week announced that is has launched a safe and secure online social forum, My Blue CommunitySM, for members to interact with other Blue Cross & Blue Shield members from around the nation on health and wellness-related topics such as allergies and asthma, cold and flu, diabetes, addiction, cancer and dental.  Members not only get guidance from experts such as chefs, trainers and health coaches, they can interact with one another, exchange information, share experiences, and offer advice to individuals who can relate to a similar situation or challenge. 

“A recent study from the Yale School of Public Health suggests that women who have had a heart attack can be susceptible to depression and other health challenges without the appropriate social support1,” said Jim Gallagher, BCBSRI assistant vice president of strategic marketing and product innovation.  “My Blue Community is designed to be an extension of the support one may receive from providers or family members and can have a positive effect on health outcomes.”

In one recent discussion, a member, who recently lost 60 pounds and plans to lose 100 more, inquired about strategies to fight the constant need to chew.  Other members offered suggestions from eating a handful of sunflower seeds to chewing gum to eating ice.  Additionally, a health coach made suggestions like taking small packages of vegetables to drinking the recommended daily water intake.   The member who posted the question commented favorably on the suggestions and thanked the others in support of his “food addiction.”

When BCBSRI asked My Blue Community members to comment on why they like the site, one user said:  “Thanks for the opportunity to share, which is the best thing about the site.  I feel connected to those people that might be sharing the same thoughts.  Feeling scared, frustrated or just want to share an experience – this is the place.  It’s a safe environment to seek advice, share a recipe or talk about health issues.  I feel these peers are in it with me and that they are trustworthy.”

My Blue Community currently has more than 50,000 health-related discussions already under way and about 25,000 members across the nation.  The new online network can be accessed from

About Blue Cross & Blue Shield of Rhode Island:

Blue Cross & Blue Shield of Rhode Island is the state’s leading health insurer and covers more than 600,000 members. Blue Cross & Blue Shield of Rhode Island is an independent licensee of the Blue Cross and Blue Shield Association.

CIGNA Delivers for Healthy Babies, Adopts Innovative text4baby Program

CIGNA (NYSE:CI) has signed on as an outreach partner of the text4baby program, a national initiative to deliver vital health information via free text messages to pregnant women and new mothers, with the goal of helping women have healthy pregnancies and deliver healthy newborns. Text4baby is a program of the National Healthy Mothers, Healthy Babies Coalition (HMHB).

Women can sign up for the service by texting BABY (or BEBE for Spanish) to 511411. Beginning the next day, they’ll receive a free, daily message for six days. After that, the service will provide three free messages each week, timed to the mom’s due date or her baby’s date of birth.

CIGNA will promote the text4baby program through its own Healthy Pregnancies, Healthy BabiesSM program, which gives expectant mothers information and support throughout pregnancy; through CIGNA’s 24-hour nurse line; and through, CIGNA’s personalized Web site for people enrolled in a CIGNA health plan.

“We’re delighted that CIGNA has joined our efforts to promote this innovative mobile-based service, and we commend CIGNA for all it does to help improve maternal and infant health,” said Judy Meehan, executive director of the National Healthy Mothers, Healthy Babies Coalition.

“Nothing is more important than the delivery of healthy, full-term babies,” said Dr. Alan Fleischman, senior vice president and medical director for the March of Dimes, which CIGNA has backed as a national sponsor for 16 years. “We applaud CIGNA for its longstanding commitment to healthy babies and its support of the text4baby program.”

“Healthy babies start with a healthy pregnancy, and healthy pregnancies start with quality prenatal care and access to good information,” said Jeff Kang, M.D., CIGNA’s chief medical officer. “The text4baby program delivers timely information to expectant or new mothers in an innovative way, and we are pleased to support these efforts to help improve the health of both mother and child.”

The text4baby program is supported by numerous businesses throughout the country. U.S. government partners include the White House Office of Science and Technology Policy and the Department of Health and Human Services. The mobile health platform is provided by Voxiva and free messaging services are generously provided by participating wireless service providers.

More information about text4baby is available at


CIGNA (NYSE:CI), a global health service company, is dedicated to helping people improve their health, well being and sense of security. CIGNA Corporation’s operating subsidiaries provide an integrated suite of medical, dental, behavioral health, pharmacy and vision care benefits, as well as group life, accident and disability insurance, to approximately 46 million people throughout the United States and around the world. To learn more about CIGNA, visit

Engaging Public Health Insurance Consumers Through Social Media

MAXIMUS (NYSE:MMS), a leading provider of government services worldwide, announced today that the Company and the South Carolina Department of Health and Human Services will co-present a case study on engaging public health insurance program participants using social media at the upcoming Medicaid Managed Care Congress.

The South Carolina Department of Health and Human Services has been working with MAXIMUS, the Medicaid managed care enrollment counselor for the South Carolina Healthy Connections Choices program, on a demonstration project to examine the usefulness of social media technologies for outreach to low-income populations. The demonstration project, in partnership with the MAXIMUS Center for Health Literacy, has been successful in providing health and enrollment information to consumers and program stakeholders who are actively engaged in social media networks.

Jeff Stensland, Director of Communications for the South Carolina Department of Health and Human Services, and Sunaina Menawat, Manager of Business Development for MAXIMUS Health Services, will present their case study entitled “Utilize Social Media for Greater Member Engagement, Communication and a Broader Reach.” Stensland and Menawat will present the demonstration project from its inception, the methodology and the social media tools used, and preliminary results. They will also discuss social media in the broader context of engagement and communication.

“One of the things I like about the demonstration project is that it tests the notion that lower-income people are somehow disconnected from the changes occurring in mass media. The project’s use of social media allowed us to interact with our members in new ways,” Stensland commented. “Members saw that we established a presence on the social media sites they regularly frequent, offering them a new way to get information, offer instant feedback and even ask questions. We look forward to sharing the insight garnered from the project with the Medicaid Managed Care community.”

“We are continuously looking for new ways to bring added value to our clients by improving outreach and education efforts to program participants,” commented Bruce Caswell, President and General Manager of MAXIMUS Health Services. “Until now, social media was often seen as an unconventional channel for communicating with participants of public health insurance programs, but this demonstration project shows that social media can be effectively used to reach program participants and help them make informed choices for improved long-term health outcomes.”

The Medicaid Managed Care Congress will take place May 17-19, 2010, at the Hyatt Regency in Baltimore, Maryland. The Congress brings together State and Federal Medicaid Officials, Medicaid Managed Care Executives and National Policy Experts in a collaborative environment to create efficiencies while improving access to high quality care.


MAXIMUS is a leading provider of government services worldwide and is devoted to providing health and human services program management and consulting services to its clients. The Company has more than 6,500 employees located in more than 220 offices in the United States, Canada, Australia, the United Kingdom, and Israel. Additionally, MAXIMUS is included in the Russell 2000 Index and the S&P SmallCap 600 Index.

Healthy Connections Choices

Blue Shield of California Launches Bazaarvoice Ask & Answer™ Social Commerce Platform

Bazaarvoicea,  a market and technology leader in hosted social commerce applications, announced that Blue Shield of California has expanded its use of the Bazaarvoice social commerce platform with the launch of Ask & Answer™ on With Bazaarvoice Ask & Answer, Blue Shield of California members can now ask and respond to specific questions on health topics such as allergies, diet/food/nutrition, women’s health, first aid, and more. Ask & Answer is immediately available at

“Human beings are social in nature and we’re wired to share our opinions, ask questions, and tell stories about our experiences,” said Brett Hurt, founder and CEO of Bazaarvoice. “Choosing the right healthcare plan is very important, and Blue Shield is on the forefront of helping members connect with each other to ensure a positive experience and make better decisions. Blue Shield is a true innovator with their industry-first Ratings & Reviews implementation, and we’re thrilled to see them extend their success with Ask & Answer to allow members to ask and respond to specific questions that aren’t being answered elsewhere.”

According to the Pew Internet & American Life Project, more and more Americans are relying on word of mouth when it comes to health questions. The study reports that 68 percent of American adults ask a friend or family member for health information, and 41 percent of e-patients have read someone else’s commentary or experience about a health issue online.

Ask & Answer is the newest addition to Blue Shield’s roster of online community tools designed to offer members accessible, consumer-oriented health information. The program is not intended to replace the advice of a member’s doctor. Last year, Blue Shield launched Bazaarvoice Ratings & Reviews, which allows members to publicly rate their Blue Shield health plan and share their experiences. The award-winning Ratings & Reviews pilot has generated so much feedback from members that Blue Shield will expand the program to more members this year.

About Bazaarvoice

Bazaarvoice’s Software as a Service (SaaS) social commerce solutions have served more than 100 billion pieces of customer-generated content on more than 800 brand web sites like Best Buy, Blue Shield of California, Costco, Dell, Macy’s, P&G, Panasonic, QVC, and USAA in 36 countries. The company connects organizations to their influencers through a unique network that reaches hundreds of millions of consumers around the globe, enabling authentic customer-powered marketing. Through syndication, analytics, partnerships, and consulting, Bazaarvoice brings the voice of the customer to the center of their clients’ business strategy, proving “social” can drive measured revenue growth and cost savings for manufacturing, retail, travel, and financial services companies. Headquartered in Austin, the company has offices in Amsterdam, Düsseldorf, London, Paris, Singapore, and Sydney and employs 550 team members globally. For more information and access to client success stories, visit, read the blog at, and follow on Twitter at

Health Net Federal Services Launches Facebook Page

Health Net Federal Services, LLC, part of the Government Contracts segment of Health Net, Inc. (NYSE:HNT) and managed care support contractor for the TRICARE North Region, has launched a Facebook page to connect with its military service members, families and customers it serves in a new way.

“We are excited about the opportunity to engage with our beneficiaries through social media, an evolving vehicle of choice to communicate conveniently and in real time,” said Steve Tough, president, Health Net Federal Services. “We hope this serves as yet another avenue for beneficiaries to retrieve the latest TRICARE North information.”

On its Facebook page, Health Net Federal Services will highlight TRICARE news, benefit changes, healthy living tips and stories that interest its military families. Specifically, this month, Health Net Federal Services will highlight Month of the Military Child, alcohol awareness, and tips to keep military families sailing smoothly through a Permanent Change of Station.

Throughout May, posts will focus on Emergent and Urgent Care, Behavioral Health, Mother’s Day, Military Family Appreciation Month, Armed Forces Day and Asthma. Health Net Federal Services invites all TRICARE North Region beneficiaries, providers and its partners to follow it on Facebook.

To become a Fan of Health Net Federal Services, visit:

About Health Net Federal Services: Health Net Federal Services, LLC, a subsidiary of Health Net, Inc., has a long history of providing cost-effective, quality managed health care programs for government agencies, including the Departments of Defense and Veterans Affairs. As the managed care support contractor for the TRICARE North Region, Health Net provides health care services to nearly 3.0 million uniformed services beneficiaries, active and retired, and their families.

MVP Health Care Takes KidPower Youth Sports Program to Facebook.

To help kids to make healthy decisions, MVP Health Care has launched a new and improved version of its KidPower Program, on Facebook.

Being on Facebook enables KidPower to actually connect with families in their living rooms or on handheld devices through daily posts that motivate and inspire them to get active, eat better and live healthier lives,” said David Henderson, MVP Health Care executive vice president. “There is rich content for every family interested in a healthy active lifestyle for their children and the site can even be used as a resource for youth sports coaches, summer camp staff or anyone running a program for young people,” Henderson added.

While Facebook users can become fans of the page and actively participate in dialogue and discussions, anyone can access the site to view upcoming events in their area, flip through photos and videos from past events and get connected with expert advice from top athletes such as Olympic Gold Medalist soccer player Abby Wambach, legendary lacrosse star (now Syracuse University coach) Gary Gait and the MVP Health Care cycling team.

The MVP KidPower program began hosting free youth soccer clinics lead by Abby Wambach in 2004. Added to the clinic circuit in 2009 was Gary Gait. Combined, the two athletes have attracted more than 22,000 aspiring young athletes for instructional demonstrations, skill drills and motivational talks. The site will be used to advertise registration for these clinics, in addition to promoting community marathons, road races, kids’ fairs and safety rodeos sponsored by MVP Health Care.

MVP Health Care:
MVP Health Care provides fully insured and self-funded employer health benefits plans, dental insurance, and ancillary products, such as flexible spending accounts in New York state, Vermont, and New Hampshire through its operating subsidiaries. For details, visit