In an effort to control health care costs, General Motors will offer a direct-to-employer health insurance option for 2019. The plan, called GM ConnectedCare, will cost employees $300 to $900 less than the current cheapest plan GM offers.
The Detroit Free Press reported Monday that the plan requires any enrollees to receive all of their healthcare through one network of doctors—the Henry Ford Health System. If an enrollee goes outside of the network, he or she will face steep out-of-network penalty costs.
Interim president and CEO of the Henry Ford Physician Network Dr. Bruce Muma said the network and GM will share the losses and gains, and the new option makes GM the largest employer in Michigan to contract with a hospital system to provide insurance. If the system achieves expectations, both the hospital and GM will share the savings. If costs run higher than expected, the network will credit GM the funds paid from its insurance pool
ConnectedCare will only be available for employees that reside in the seven Michigan counties where the Henry Ford Health System has a large presence, specifically, more than 3,000 doctors: Wayne, Macomb, Oakland, Washtenaw, Livingston, Lapeer and St. Clair.
Also available to any ConnectedCare enrollee are a concierge line exclusive to GM employees for making appointments, a “Tele-Health” system for phone calls, video chats and more with doctors and same-day appointments for primary-care doctors. Specialist appointments will be executed within 10 days.