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Specialized Insurance - US - August 2009

This report discusses the incidence of specialty insurance coverage among the total adult population, as well as differing patterns that emerge by demographic groups. It examines current trends that affect the consumer mindset about insurance products as well as their experiences with, and attitudes about specialty insurance products.

Topics examined include the following:

  • Insights and opportunities for specialty insurance products, such as need gaps that exist among certain population segments for specialty coverage
  • The interest level of consumers in expanded insurance coverage for various treatments, as well as drugs obtained outside the US
  • How the recession is affecting consumer ownership of specialty products
  • Leading brands of specialty insurance for vision, dental and prescription drug insurance
  • Types of prescription eyewear worn and purchased, and where the items were purchased during the past year
  • Views and opinions of consumers about specialty insurance products, as well as their attitudes about diet, health, medicine and nutrition

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Table of contents

  1. Scope and Themes

      • What you need to know
        • Consumer survey data
          • Online surveys
            • Greenfield Online
              • Experian Simmons National Consumer Studies
                • Advertising Creative
                  • Abbreviations and terms
                    • Abbreviations
                      • Terms
                      • Executive Summary

                        • Industry overview
                        • Insights and Opportunities

                          • Key points
                            • The health care industry and the economy
                              • Consumers express interest in medical tourism
                              • Inspire Insights

                                  • Trend: Boom Comes to an End
                                    • Implications for Specialized Insurance:
                                      • Trend: No Middleman
                                        • Implications for specialized insurance
                                          • Trend: Medical Tourism
                                            • Implications for specialized insurance
                                            • Competitive Context

                                              • Key points
                                              • Marketing Channels

                                                • Key points
                                                  • Most receive specialized insurance products through their employers
                                                    • Figure 1: How obtained specialized insurance, May 2009
                                                    • Figure 2: How obtained specialized insurance obtained on your own, May 2009
                                                  • Obtaining vision insurance
                                                    • Figure 3: How obtained vision insurance, by gender and age, May 2009
                                                    • Figure 4: How obtained vision insurance, by HH income, May 2009
                                                    • Figure 5: How obtained vision insurance, by employment status, May 2009
                                                    • Figure 6: How obtained vision insurance obtained directly, May 2009
                                                    • Figure 7: Who pays the vision insurance premium, by age, May 2009
                                                    • Figure 8: Who pays the vision insurance premium, by HH income, May 2009
                                                    • Figure 9: Who pays the vision insurance premium, by employment status, May 2009
                                                  • Obtaining dental insurance
                                                    • Figure 10: How obtained dental insurance, by gender and age, May 2009
                                                    • Figure 11: How obtained dental insurance, by HH income, May 2009
                                                    • Figure 12: How obtained dental insurance, by employment status, May 2009
                                                    • Figure 13: How obtained dental insurance obtained directly, by gender, May 2009
                                                    • Figure 14: Who pays the dental insurance premium, by age, May 2009
                                                    • Figure 15: Who pays the dental insurance premium, by HH income, May 2009
                                                    • Figure 16: Who pays the dental insurance premium, by employment status, May 2009
                                                  • Obtaining prescription drug insurance
                                                    • Figure 17: How obtained prescription drug insurance, by gender and age, May 2009
                                                    • Figure 18: How obtained prescription drug insurance, by HH income, May 2009
                                                    • Figure 19: How obtained prescription drug insurance, by employment status, May 2009
                                                    • Figure 20: How obtained prescription drug insurance product obtained directly, by gender, May 2009
                                                    • Figure 21: Who pays the prescription drug insurance premium, by gender and age, May 2009
                                                    • Figure 22: Who pays the prescription drug insurance premium, by HH income, May 2009
                                                    • Figure 23: Who pays the prescription drug insurance premium, by employment status, May 2009
                                                • Market Drivers

                                                  • Key points
                                                    • Changes in age of U.S. population
                                                      • Figure 24: U.S. population and projections for speciality insurance products, by age, 2002-12
                                                    • Employment of the U.S. population
                                                      • Figure 25: Unemployment rate of the U.S. population, January 1999-June 2009
                                                  • Leading Companies

                                                    • Key points
                                                      • Blue Cross/Blue Shield leads in vision insurance
                                                        • Figure 26: Vision insurance provider, by gender and age, May 2009
                                                        • Figure 27: Vision insurance provider, by employment status, May 2009
                                                      • BCBS also leading insurer for dental insurance
                                                        • Figure 28: Dental insurance provider, by gender and age, May 2009
                                                        • Figure 29: Dental insurance provider, by employment status, May 2009
                                                      • UnitedHealthcare/AARP is runner up for prescription drug insurance
                                                        • Figure 30: Prescription drug insurance provider, by gender and age, May 2009
                                                        • Figure 31: Prescription drug insurance provider, by employment status, May 2009
                                                    • Brand Qualities

                                                      • Key points
                                                        • Blue Cross Blue Shield delivering high consumer satisfaction
                                                          • Figure 32: Results from J.D. Power & Associates 2009 National Health Insurance Study
                                                      • Innovation and Innovators

                                                        • Key points
                                                          • Aetna has been an active developer of new products for dental insurance
                                                            • Humana launches new products and makes headway with social media
                                                              • UnitedHealthcare’s Golden Rule Insurance
                                                                • BCBS in MD emphasize preventive care
                                                                  • Guardian Insurance makes costs of dental services more transparent
                                                                  • Advertising and Promotion

                                                                    • Key points
                                                                      • Overview
                                                                        • Dental, vision and prescription drug plan insurance – e-mail marketing
                                                                          • Figure 33: Dental Insurance from ALL Care e-mail advertisement, June 2009
                                                                          • Figure 34: Dental Insurance from DentalPlans.com e-mail advertisement, June 2009
                                                                          • Figure 35: Dental Insurance from AmeriPlan e-mail advertisement June 2009
                                                                          • Figure 36: Dental Insurance from AmeriPlan e-mail advertisement, June 2009
                                                                        • Dental insurance – print ads
                                                                          • Figure 37: Delta Dental Insurance print advertisement, August 2008
                                                                          • Figure 38: Southwest Dental Group Dental Insurance print advertisement, April 2008
                                                                          • Figure 39: Blue Cross/Blue Shield of Kansas City print advertisement, May 2007
                                                                        • Prescription drug coverage for retirees and the self-employed – direct mail
                                                                          • Figure 40: Blue Cross/Blue Shield direct mail advertisement, November 2008
                                                                          • Figure 41: UnitedHealthOne from Golden Rule Insurance Company, direct mail advertisement, November 2008
                                                                          • Figure 42: AARP Essential Premier health Insurance from Aetna Life Insurance Company direct mail advertisement, April-July 2008
                                                                          • Figure 43: AARP Essential Premier health Insurance from Aetna Life Insurance Company direct mail advertisement, November 2008-March 2009
                                                                        • Prescription drug coverage as Medicare Part D Supplement – direct mail
                                                                          • Figure 44: SMARTChoices Spring 2008 Newsletter from UnitedHealthCare Insurance Company, March 2008- October 2008
                                                                          • Figure 45: UnitedHealthcare Insurance direct mail advertisement, December 2007
                                                                        • Informing seniors about the coverage gap – direct mail
                                                                          • Figure 46: Blue Cross/Blue Shield of Minnesota direct mail Advertisement, September 2007
                                                                          • Figure 47: OSF HealthPlans direct mail Advertisement, October 2007
                                                                          • Figure 48: UnitedHealth Rx Newsletter, June -July 2007
                                                                        • Prescription drug coverage – print ads
                                                                          • Figure 49: Medica Health Plans print advertisement, March 2009
                                                                          • Figure 50: Universal Health Care Insurance Company print advertisement, March 2009
                                                                          • Figure 51: SecureHorizons MedicareDirect health Plan from UnitedHealthcare Insurance Company print advertisement, March 2009
                                                                          • Figure 52: Aetna Life Insurance Company print advertisement, December 2008
                                                                          • Figure 53: Humana health Insurance print ad, November 2008
                                                                        • Dental insurance – TV commercials
                                                                          • Figure 54: Woman gives reasons why dental hygiene is important, 2008
                                                                          • Figure 55: Animated family wants to save money on dental care, 2009
                                                                          • Figure 56: Woman eats marble and not popcorn, 2009
                                                                      • The Consumer – Dental and Vision Insurance

                                                                        • Key points
                                                                          • Ownership of dental and vision insurance
                                                                              • Figure 57: Types of specialized insurance owned and whether consulted professionals in past year, October 2007-December 2008
                                                                              • Figure 58: Types of specialized insurance owned and whether consulted professionals in past year, by gender and age, October 2007-December 2008
                                                                              • Figure 59: Types of specialized insurance owned and whether consulted professionals in past year, by ethnicity, October 2007-December 2008
                                                                              • Figure 60: Types of specialized insurance owned and whether consulted professionals in past year, by HH income, October 2007-December 2008
                                                                          • The Consumer – Prescription Eyewear

                                                                            • Key points
                                                                              • Incidence of wearing prescription eyewear
                                                                                • Figure 61: Percentage of respondents who wear prescription eyewear, October 2007-December 2008
                                                                                • Figure 62: Percentage of respondents who wear prescription eyewear, by gender and age, October 2007-December 2008
                                                                                • Figure 63: Percentage of respondents who wear prescription eyewear, by ethnicity, October 2007-December 2008
                                                                                • Figure 64: Percentage of respondents who wear prescription eyewear, by ethnicity and income, October 2007-December 2008
                                                                              • Types of prescription eyewear worn
                                                                                  • Figure 65: Types of prescription eyeglasses or contact lenses worn, October 2007-December 2008
                                                                                  • Figure 66: Types of prescription eyeglasses or contact lenses worn, by gender, October 2007-December 2008
                                                                                  • Figure 67: Types of prescription eyeglasses or contact lenses worn, by age, October 2007-December 2008
                                                                                  • Figure 68: Types of prescription eyeglasses or contact lenses worn, by ethnicity, October 2007-December 2008
                                                                                  • Figure 69: Types of prescription eyeglasses or contact lenses worn, by household income, October 2007-December 2008
                                                                                • Types of eyewear purchased in the past 12 months
                                                                                    • Figure 70: Whether bought prescription eyeglasses or contact lenses in last 12 months, October 2007-December 2008
                                                                                    • Figure 71: Types of prescription eyeglasses or contact lenses bought in last 12 months, October 2007-December 2008
                                                                                    • Figure 72: Types of prescription eyeglasses or contact lenses bought in last 12 months, by gender, October 2007-December 2008
                                                                                    • Figure 73: Types of prescription eyeglasses or contact lenses bought in last 12 months, by age, October 2007-December 2008
                                                                                    • Figure 74: Types of prescription eyeglasses or contact lenses bought in last 12 months, by ethnicity, October 2007-December 2008
                                                                                    • Figure 75: Types of prescription eyeglasses or contact lenses bought in last 12 months, by household income, October 2007-December 2008
                                                                                • Retail Stores – Eyewear

                                                                                  • Key points
                                                                                      • Figure 76: Outlet where prescription eyeglasses or contact lenses were purchased in the past 12 months, October 2007-December 2008
                                                                                      • Figure 77: Outlet where prescription eyeglasses or contact lenses purchased in the past 12 months, by gender, October 2007-December 2008
                                                                                      • Figure 78: Outlet where prescription eyeglasses or contact lenses purchased in the past 12 months, by age, October 2007-December 2008
                                                                                      • Figure 79: Outlet where prescription eyeglasses or contact lenses purchased in the past 12 months, by ethnicity, October 2007-December 2008
                                                                                      • Figure 80: Outlet where prescription eyeglasses or contact lenses purchased in the past 12 months, by household income, October 2007-December 2008
                                                                                  • The Consumer – Prescription Drugs and Insurance

                                                                                    • Key points
                                                                                        • Figure 81: Percentage of respondents who have taken prescription drugs in last 12 months, October 2007-December 2008
                                                                                        • Figure 82: Percentage of respondents who have taken prescription drugs in last 12 months, by gender, October 2007-December 2008
                                                                                        • Figure 83: Percentage of respondents who have taken prescription drugs in last 12 months, by age, October 2007-December 2008
                                                                                        • Figure 84: Percentage of respondents who have taken prescription drugs in last 12 months, by ethnicity, October 2007-December 2008
                                                                                        • Figure 85: Percentage of respondents who have taken prescription drugs in last 12 months, by household income, October 2007-December 2008
                                                                                      • Incidence of prescription drug insurance coverage
                                                                                        • Figure 86: Ownership of prescription drug insurance, by gender, May 2009
                                                                                        • Figure 87: Ownership of prescription drug insurance, by age, May 2009
                                                                                        • Figure 88: Ownership of prescription drug insurance, by HH income, May 2009
                                                                                        • Figure 89: Ownership of prescription drug insurance, by employment status, May 2009
                                                                                    • The Consumer – Attitudes Towards Health, Diet and Nutrition

                                                                                      • Key points
                                                                                          • Figure 90: Attitudes towards medicines, October 2007-December 2008
                                                                                          • Figure 91: Attitudes towards health, October 2007-December 2008
                                                                                          • Figure 92: Attitudes towards diet and health, October 2007-December 2008
                                                                                      • The Consumer – Attitudes Towards Specialized Insurance

                                                                                        • Key points
                                                                                          • Consumer attitudes towards specialized insurance
                                                                                              • Figure 93: Attitudes towards specialized insurance coverage, summary of top two boxes (strongly agree/agree), by gender, May 2009
                                                                                              • Figure 94: Attitudes towards specialized insurance coverage, summary of top two boxes (strongly agree/agree), by age, May 2009
                                                                                              • Figure 95: Attitudes towards specialized insurance coverage, summary of top two boxes (strongly agree/agree), by HH income, May 2009
                                                                                              • Figure 96: Attitudes towards specialized insurance coverage, summary of top two boxes (strongly agree/agree), by employment status, May 2009
                                                                                          • Cluster Analysis

                                                                                              • Prescriptors
                                                                                                • Anchors
                                                                                                  • Visionaries
                                                                                                    • Cluster characteristics
                                                                                                      • Figure 97: Specialized insurance clusters, May 2009
                                                                                                      • Figure 98: Ownership of specialized insurance products, by specialized insurance clusters, May 2009
                                                                                                      • Figure 99: Attitudes towards specialized insurance coverage, summary of means, by specialized insurance clusters, May 2009
                                                                                                      • Figure 100: Views about the economy, by specialized insurance clusters, May 2009
                                                                                                    • Cluster demographics
                                                                                                      • Figure 101: Specialized insurance clusters, by gender, May 2009
                                                                                                      • Figure 102: Specialized insurance clusters, by age group, May 2009
                                                                                                      • Figure 103: Specialized insurance clusters, by HH income group, May 2009
                                                                                                      • Figure 104: Specialized insurance clusters, by employment status, May 2009
                                                                                                      • Figure 105: Specialized insurance clusters, by Hispanic origin, May 2009
                                                                                                    • Cluster methodology
                                                                                                    • Appendix: Simmons Mosaic Analysis

                                                                                                        • Figure 106: Whether have specialized insurance, consulted with professional, and wear eyeglasses/contact lenses, October 2007-December 2008
                                                                                                        • Figure 107: types of prescription eyeglasses or contact lenses worn, October 2007-December 2008
                                                                                                        • Figure 108: types of prescription eyeglasses or contact lenses bought in last 12 months, October 2007-December 2008
                                                                                                        • Figure 109: Outlet where prescription eyeglasses or contact lenses purchased in the past 12 months, October 2007-December 2008
                                                                                                        • Figure 110: Whether have taken prescription drugs in last 12 months, October 2007-December 2008
                                                                                                    • Appendix: Other Useful Consumer Tables

                                                                                                        • Figure 111: Vision insurance provider, by HH income, May 2009
                                                                                                        • Figure 112: Dental insurance provider, by HH income, May 2009
                                                                                                        • Figure 113: prescription drug insurance provider, by HH income, May 2009
                                                                                                    • Appendix: Trade Associations

                                                                                                      Companies Covered

                                                                                                      • American Academy of Cosmetic Dentistry (AACD)
                                                                                                      • American Association of Retired Persons (AARP)
                                                                                                      • American Dental Association
                                                                                                      • American Medical Association (AMA)
                                                                                                      • America’s Health Insurance Plans
                                                                                                      • CIGNA Corporation
                                                                                                      • Facebook, Inc.
                                                                                                      • Greenfield Online
                                                                                                      • Henry J. Kaiser Family Foundation
                                                                                                      • MySpace.com
                                                                                                      • U.S. Bureau of Labor Statistics
                                                                                                      • UnitedHealth Group Incorporated
                                                                                                      • US Department of Labor
                                                                                                      • Walgreen Co
                                                                                                      • Walmart Stores (USA)
                                                                                                      • World Health Organization
                                                                                                      • YouTube, Inc.

                                                                                                      Specialized Insurance - US - August 2009

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