Lucent Health Plans

Customized Plans, Integrated Care Management

Employers don’t need one-size-fits-all solutions when it comes to health plan design. Lucent Health uses data to help design the best solution for employers, and can create flexible custom options for health plans that also come with a suite of care management services.

Woman holding a baby.
Woman holding a baby.

Customized Plans, Integrated Care Management

Employers don’t need one-size-fits-all solutions when it comes to health plan design. Lucent Health uses data to help design the best solution for employers, and can create flexible custom options for health plans that also come with a suite of care management services.

Three women outside smiling.

Smarter Plans,
Custom Built

Lucent Health interprets your claims data and custom engineers a health plan unique to your company. We use daily data to more intelligently deliver compassionate care to members and their families. Our enhanced reporting, analysis and proactive management drive down health benefit spending. Here are some of our plan types.

Three women outside smiling.

Smarter Plans, Custom Built

Lucent Health interprets your claims data and custom engineers a health plan unique to your company. We use daily data to more intelligently deliver compassionate care to members and their families. Our enhanced reporting, analysis and proactive management drive down health benefit spending. Here are some of our plan types.

Lucent Health Plans

Lucent Health’s RBP Dual Option saves the employer money while giving the individual employee the flexibility to choose the best option for their healthcare needs.

  • Option 1 is available with or without a physician/ancillary-only network. (The network logo on a PNA-affiliated card can facilitate acceptance of the plan at the provider’s office.)
  • Option 2 is a traditional preferred provider organization (PPO) selected by the employer from an available regional network (Aetna, Anthem, Cigna and others).

Both options feature Integrated Care Management and the support of dedicated account executives. Pricing is established before services are rendered. Acceptance exceeds 98%. And employees get the high-touch service of Narus Concierge Support.

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  • Help employers work with national PPO plans
  • Access to virtually every regional and local network
  • Customized networks to meet specific needs of employee base
  • Cigna, Anthem, Aetna
  • Reduced year to year volatility of stop loss terms
  • Reduced claims volatility
  • Ability to share in profits of stop loss carrier
  • Use of mature 12/18 contracts
  • No new lasers upon renewal
  • Peer to peer interaction
  • Average savings of 25% to 30% over fully insured plans
  • No startup costs + no additional fees post termination
  • Concierge care, complex care management
  • Specialty drug carve-out
  • Transplant carve-out
  • Telehealth option
  • Transparent reporting
  • Secure stop-loss Contracts
  • Employer keeps 100% of excess benefit dollars after contract period plus rebates
  • Rich history of providing Medicare-like rate (MLR) services, tribal healthcare claims processing and managed care services
  • Coordination with tribal sovereignty
  • Best-fit solutions for tribal communities, delivering long-term cost reduction while improving quality of life
  • Coordinate with Indian Health Service (IHS) and 638 facilities to maximize the availability of MLR for eligible tribal members
  • Obtain IHS authorization, notify the provider and coordinate payment to provider at substantial additional MLR savings
  • 340b pharmacy discounts

MEC PLANS

  • Designed for employers required by the ACA to offer health insurance coverage
  • Employer can avoid the employer mandate penalties and offer an affordable health plan option
  • 4 MEC plan options
  • 24/7 telemedicine access
  • Magellan Health Rx Management
  • 48-hour claim processing
  • Preventive & wellness updates
  • Utilization tracking & reporting

Lucent Health Select has been carefully designed to meet the needs of employers and their employees. It provides employers with the leverage to reduce costs while providing exceptional care for their employees. Through Lucent Health Select, members have access to a vetted group of point solution partners, compassionate member care, and detailed performance data, leading to personalized and simplified care delivered at a cost that won’t break the bank!

Select offers cost savings, exceptional care and custom solutions add up to significant value and convenience for all.

Members choose between a cost-saving reference-based pricing (RBP) plan—with low or no premiums—and a traditional PPO plan. Employers can opt to add services such as Lucent Rx, a cost-saving specialty prescription drug service; Teladoc telehealth and telemedicine services; and Youturn Health virtual behavioral health solutions.

Employer costs per employee per month (PEPM) drop, on average, from $35 to $15. Meanwhile, plan members are empowered to use their healthcare dollars more efficiently, in a way that meets their individual needs—including complex ones.

Learn more

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Our Care Management Services

The Lucent Health advantage for employers and members is how Care Management Solutions are integrated into health plans, driving superior member experience and sustainable savings.

Learn More
Five people in a meeting.

Our Care Management Services

The Lucent Health advantage for employers and members is how Care Management Solutions are integrated into health plans, driving superior member experience and driving sustainable savings.

Learn More

Request a Quote

Learn more about our plans or speak to a member of our sales team.

Let’s Talk

Request a Quote

Learn more about our plans or speak to a member of our sales team.

Let’s Talk