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CareFirst BlueCross BlueShield plans new healthy incentive product

CareFirst BlueCross BlueShield Inc. plans to roll out an incentive program to encourage people to live healthier.

Chet Burrell, president and CEO of the Owings Mills, Md.-based insurer, announced the plan during a one-on-one interview with Washington Business Journal Editor Doug Fruehling.

The health insurance product, which is expected to be available by next year, is called Healthy Blue.

About 100 business people tuned in to hear the interview Tuesday morning at Gensler’s D.C. office, which also featured Kenneth Samet, president and CEO of MedStar Health.

Following a lengthy discussion on the state of health care and legislature, an audience member asked if there was anything individuals or businesses could do to influence better reform in the future. Burrell responded by discussing the new product.

People who sign up for Healthy Blue receive a health risk appraisal at CareFirst’s expense. It includes reviewing blood work and drug and prescription histories.

“If you look good and healthy we will give you up to a $300 health debit card or put that deposit into your [health reimbursement arrangement (HRA)] or [health savings account (HSA)],” Burrell explained. “If you don’t look so good but you mitigate those factors and improve them we will give you that award as well.”

If the person gets sick, they would have to pay a deductible for care. If they agree to have their care guided by CareFirst, the insurer would mitigate that deductible.

If a patient opts to have it guided, CareFirst would set up a care plan through the patient’s primary and nurse practitioner.

“We would help you [navigate it] and make it financially worth your while,” he said.

Burrell said under the Healthy Blue program, CareFirst pays for fitness club memberships and primary care and preventive screenings in full without any co-payment or deductible.

“In other words, put no barrier to the access to primary care services,” Burrell said. “And when you do get really sick, have your care coordinated and mitigate your cost-sharing for that.”

He said a problem with the general population is that even if one took prescription drugs alone — let alone an overall care plan — compliance with what patients are asked or told to do is in the 30 percent to 40 percent range. Healthy Blue’s financial incentives are expected to help patients adhere more to what they are asked to do.

Healthy Blue is currently filed with Virginia, Maryland and D.C. regulators and awaits approval.

“As soon as it is available to sell, we will sell it,” Burrell said. “We expect thousands of people to be interested, small employers and individuals. From a price standpoint it’s not the lowest possible price you could ever get.”

He points out that it can’t be sold at a super-cheap price, considering all the primary care services the program provides.

“Usually the rock bottom price is obtained by a massive shift of cost to the member,” he said. “ We don’t want to do that.”

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Classic Cotton 320 Thread Count Percale Sheet Set $30.59 Update your bedroom decor with a cotton percale sheet setBedding set includes a flat sheet, fitted sheet and two pillowcases (one with twinSheet set available in water blue, ivory, rose, light blue, willow, fawn and white color options

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The Blue Willow Inn Bible of Southern Cooking $16.33 Description not available.

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Marquis Green Border Rug (5'2 x 7'6) $82.99 An intricate floral border design highlights this heat-set polypropylene rug. This area rug features shades of willow green, spa blue, ivory and black.

Fairfax Ivory Rug (3'7 x 5'4) $32.31 Add a touch of elegance to your home decor with a Fairfax rug Polypropylene area rug features a traditional pattern in ivory Power-woven rug is highlighted in shades of chocolate, red, willow and spa blue

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Various Artists - Sides Of Blue: The Jazz Greats Who Played On Kind Of Blue $10.98 Disc 1:Willow Weep For Me - Wynton KellyWinetone - Cannonball AdderleyWhile My Lady Sleeps - John ColtraneOn a Misty Night - John Coltrane/Tadd DameronWood...

Nashville Mandolins - Greatest Hits: 25 Songs $4.98 Disc 1:Give Me the Roses While I LiveI`m Thinking Tonight of My Blue EyesSoftly and TenderlyPut Your Arms Around MeOh DeathWalk That Lonesome ValleyBeneath the Weeping WillowBlessed AssuranceD...

Thelonious Monk - Genius of Modern Music, Vol. 2 [2001 Bonus Tracks] [Remaster] $10.98 Disc 1:Four in OneCriss-CrossEronelStraight, No ChaserAsk Me NowWillow Weep for MeNice Work If You Can Get ItCriss-Cross - (alternate take)Ask Me Now - (alternate take)SkippyHornin` ...

Harry James - Trumpet Blues: The Best of Harry James $10.98 Disc 1:Trumpet Blues and CantabileJames SessionMoten SwingCherryI`m Beginning to See the LightWillow Weep for MeTwo O`Clock JumpStrictly InstrumentalSleepy LagoonBarn 12I`ve Heard Th...

The Carter Family - Roots of Country * $17.24 Disc 1:DISC 1:Wildwood FlowerBury Me Under the Weeping WillowKeep on the Sunny SideCan the Circle Be Unbroken?I`m Thinking Tonight of My Blue EyesMy Clinch Mountain HomeAnchored in LoveJohn Ha...

Dexter Gordon - Ballads $11.97 Disc 1:Darn That DreamDon`t ExplainI`m a Fool to Want YouErnie`s TuneYou`ve ChangedWillow Weep For MeGuess I`ll Hang My Tears Out to DryBody and Soul

Diana Krall - From This Moment On $17.26 Disc 1:It Could Happen to YouIsn`t This a Lovely DayHow InsensitiveExactly Like YouFrom This Moment OnI Was Doing AlrightLittle Girl BlueDay in Day OutWillow Weep For MeCome Dance With Me...

Hope Sandoval - Through the Devil Softly [Digipak] * $11.39 Disc 1:BlanchardWild RosesFor the Rest of Your LifeLady Jessica and SamSets the BlazeThinking Like ThatThere`s a WillowTroubleFall AsideBlue BirdSatellite

Blue Willow $6.5 Blue Willow

Blue Willow : MKT0001341479 $1.39 Blue Willow : MKT0001341479

Blue Willow : MKT0001184254 $2.49 Blue Willow : MKT0001184254

BLUE WILLOW : MKT0000948642 $2.95 BLUE WILLOW : MKT0000948642

Blue Willow : 1435201191 $28.95 Blue Willow : 1435201191

Blue Willow : 0844671436 $14.38 Blue Willow : 0844671436

Willow $10.32 Miss Hawthorn's room is neat and tidy, not a pencil or paintbrush is out of place. And that's how she likes it. And she likes trees that are colored green and apples that are painted red. Miss Hawthorn does not like things to be different or out of the ordinary. Into Miss Hawthorn's classroom comes young Willow. She doesn't color inside the lines, she breaks crayons, and she sees pink trees and blue apples. What will Miss Hawthorn think? Magical things can happen when your imagination is allowed to run wild, and for Miss Hawthorn the notion of what is art and what is possible is forever changed.

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Gaston's Blue Willow $35.95 Buy and sell [Gaston's Blue Willow] at great prices.

Blue Willow Ceramic Rabbit $13.18 blue willow ceramic rabbit - cute bunny measures 6" tall.

Blue Willow/Teenagers Dream $41.8 Buy and sell [Blue Willow/Teenagers Dream] at great prices.

Blue Willow / Teenagers Dream $54.53 Buy and sell [Blue Willow / Teenagers Dream] at great prices.

Blue Willow Ceramic Frog $11.09 blue willow ceramic frog - great collectible for the blue willow or frog collector. measures 5 1/2" x 3 1/2" x 3 1/2".

Blue Willow Ceramic Cow $34.6 blue willow cow - gorgeous ceramic blue willow pattern! measures 12"w x 4.25"h x 7"d.

Blue Willow (Newbery Library, Puffin) $3.48 Blue Willow (Newbery Library, Puffin) by Doris Gates Published in 1976 by Puffin

Blue Willow Ceramic Hen On Nest $14.24 blue willow ceramic hen on nest - gorgeous ceramic blue willow pattern measures 6" x 5" x 4 1/4".

Blue Willow Inn Bible Of Southern Cooking $14.99 Blue Willow Inn Bible Of Southern Cooking

Blue Willow Ceramic Plant Stand $41.94 blue willow ceramic plant stand - tremendous quality blue will plant stand measures 8 1/2" x 8 1/2".

Blue Willow Ceramic Pig Bank $20.41 blue willow pig bank - this pig has character! gorgeous ceramic blue willow pattern. removable plug. measures 5.5"w x 5"h x 4.5"d

Blue Willow Ceramic Elephant Teapot $19.04 blue willow ceramic elephant teapot - unique collector item suitable for the safari elephant or blue willow collector. measures 10 1/2" x 5 3/4" x 4".

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Blue Willow Ceramic Dinner Plate $22.27 blue willow ceramic dinner plate - guaranteed to be the highlight of your white cloth dinner table. measures 10" round.

Blue Willow Ceramic Round Teapot $15.44 blue willow ceramic round teapot - measures 5" x 8" 4 1/2".

Blue Willow Ceramic Floral Vase $16.27 blue willow ceramic floral vase - great accent piece measures 8" x 5".