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Our approach

Prioritizing whole-person health

Whole health is a simple concept: everything has an impact on a person’s well-being. Putting whole health into practice on a larger scale isn’t always so simple. At Skai, we understand what it takes to address all the ways that biology, lifestyle, behavior, the environment and other factors contribute to a person’s health—and how to break through the complexity to support members in all the ways they need it.


How Skai prioritizes whole-person health

  • Treating each facet of health as part of a collective care journey, not in siloes
  • Providing real, live support from real humans who meet member needs with compassion and equity 
  • Offering community support and curated solutions that help members get the best care for their whole health
  • Understanding the impact of nontraditional modalities—such as complementary and integrative health—and how they complement overall well-being

Medical care only affects 20% of health outcomes. The remaining 80% stem from social drivers of health.

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Improving health outcomes for America’s frontline workers

10 min read

Approximately 70 percent of the U.S. workforce are frontline employees. They’re essential to critical functions of our nation’s economy working in industries like healthcare, retail, production and food processing, trucking, maintenance and agriculture.

These individuals are the backbone of our society. Many endure physically and mentally challenging work environments, which can make taking good care of themselves (and their families) difficult. This, along with changing healthcare benefits and a myriad of complex socioeconomic factors, contributes to a greater likelihood of certain medical conditions, a lower likelihood of receiving routine care and a high rate of workforce turnover.

These intensifying issues mean benefits managers at companies that employ frontline workers face a hard question: How can we improve the health outcomes of our workforce and provide benefits that have staying power?

Skai Blue Cross Blue Shield has decades of expertise supporting the complex health needs of high-turnover populations. Let’s take a look at how our approach supports frontline workers’ health.

1. Leveraging data in new ways to intervene sooner

Most health plans and health navigation companies use medical claims history to identify members in need of intervention. However, high employee turnover, coupled with a lower likelihood to seek preventive care means that claims history data can be sparse or even nonexistent.

To give members a chance at better health, we leverage more than just claims data. Socioeconomic, environmental, occupational, demographic, attribution, verification of benefits, pharmacy, engageability, biometrics, language and channel preference data all provide a rich context for populations and employees lacking claims history.

At the population level, our health economics practice utilizes this information to uncover important findings like:

  • Truck drivers with certain social determinants of health are more likely to have diabetes and to benefit from a specific type of drug.
  • Certain characteristics are tied to an increased likelihood of a member being identified as pregnant in the ER two months into their pregnancy.
  • Low-income, single-person households are at higher risk for end-stage renal disease.

Findings like these and many others are being used to predictively identify at-risk populations. In fact, our AI predictive models can find members an average of 6 months before becoming a high-cost claimant. This translates to $37.5 million in savings for members engaged in our care management prior to becoming a high-cost claimant.

At the member level, our health solution Celeste uses unconventional data to uncover valuable findings like whether a member has a primary care doctor and the strength of their relationship.

2. Making engagement easy and repeatable

Sixty-five percent of Americans say coordinating and managing their health and the healthcare system is overwhelming and time-consuming. Our health solution Celeste helps take the burden off managing the minutiae within the healthcare system—like understanding confusing billing, finding a doctor in-network or knowing what is and isn’t covered—so people can focus on what’s most important: their health.

How are we able to do this? Celeste Care Advocates leverage the robust data collected to proactively reach out to members and provide them with personalized and comprehensive support. Based on a member’s data and benefits, an algorithm scores the value of each potential solution (e.g., a behavioral health program, virtual diabetes coach, telehealth specialist visit, etc.) and that score gets paired with the likelihood of the member engaging with a potential solution to determine what option is best to recommend and in what order. This helps members focus on one change at a time instead of overwhelming them with making multiple changes at once.

Once a member gets engaged in their health, the challenge of keeping them engaged begins. Celeste helps with this by using integration to simplify members’ healthcare experience. Celeste connects multiple healthcare components, which are typically siloed, into a single platform that’s easily accessible for members via an all-in-one digital app.

These integrated components include:

  • Navigation and patient advocacy
  • Benefits and claims management
  • Health decision support
  • Data-driven, proactive outreach
  • High-quality care
  • Point solutions programs
  • Complex care management

At any point while they are in the app, members can message or call a Care Advocate.

Together, integration and guidance result in a seamless experience for the member. And when members experience healthcare in this way, they are more likely to stay engaged not only with the app, but most importantly, their health.

3. Making it easier for members to get the care they need

Sixty-one percent of adults seek care only when they are sick. For those skipping or delaying care, 30 percent say it’s the inability to take time away from other responsibilities, while 25 percent cite long wait times to book appointments. Deprioritizing healthcare is something that can happen when life gets in the way. And it has negative consequences for frontline workers and the general population.

Virtual care shows promise in making it easier for frontline employees to access care and is an important component of any integrated solution. However not all virtual care is created equal. Celeste’s model incorporates the following elements:

  • Robust primary care that prioritizes a virtual-first, comprehensive spectrum of services that includes same-day appointments, a board-certified physician panel and 24/7 access to a care team.
  • Empowering Care Advocates with data on whether a member has a relationship with a PCP, the strength of that relationship and how long it’s been since they’ve seen one so they can proactively contact members who look like they may benefit from our virtual solution.
  • Giving PCPs full view of a member’s complete data set, including employer benefits, so that they can recommend point solutions that complement a patient’s care needs.
  • A collaborative model that integrates physical and mental health to make it easier for providers to be connected and deliver whole-person care.
  • Continuity of care, prioritizing data sharing with in-person specialists for a seamless healthcare journey.

Beyond virtual care, Celeste provides a best-in-class virtual medical opinion service—with 700+ specialists to help members make the right decision about their health—and a range of point solutions, both of which are beneficial for populations that lack access to traditional healthcare options.

In practice, the three strategies laid out in this report have the potential to improve health outcomes for frontline workers—as well as the general population. In doing so, they also have the potential to improve retention rates by offering employees something they highly value—better benefits.

You can provide your employees with healthcare that meets them where they’re at. Reach out to a Skai representative to learn more today.

Radically effective engagement

Engagement is one of, if not the most important factor in driving better health outcomes. At Skai, we’re transforming traditional approaches to engagement to help turn passive members into active healthcare consumers.


How Skai fosters better engagement and outcomes

  • Leveraging data in newer, smarter ways to connect with members through relevant and rewarding outreach
  • Tailoring messaging and care strategies to populations and sub-segments down to the member level
  • Understanding member communication preferences and reaching out via channels they are most receptive to
  • Fostering an ongoing relationship by ensuring a reliably positive healthcare experience 
  • Using next-level integration to create a seamless member experience

65% of Americans say coordinating and managing their health and the healthcare system is overwhelming and time-consuming.

Related insights

View more articles

Improving health outcomes for America’s frontline workers

10 min read

Approximately 70 percent of the U.S. workforce are frontline employees. They’re essential to critical functions of our nation’s economy working in industries like healthcare, retail, production and food processing, trucking, maintenance and agriculture.

These individuals are the backbone of our society. Many endure physically and mentally challenging work environments, which can make taking good care of themselves (and their families) difficult. This, along with changing healthcare benefits and a myriad of complex socioeconomic factors, contributes to a greater likelihood of certain medical conditions, a lower likelihood of receiving routine care and a high rate of workforce turnover.

These intensifying issues mean benefits managers at companies that employ frontline workers face a hard question: How can we improve the health outcomes of our workforce and provide benefits that have staying power?

Skai Blue Cross Blue Shield has decades of expertise supporting the complex health needs of high-turnover populations. Let’s take a look at how our approach supports frontline workers’ health.

1. Leveraging data in new ways to intervene sooner

Most health plans and health navigation companies use medical claims history to identify members in need of intervention. However, high employee turnover, coupled with a lower likelihood to seek preventive care means that claims history data can be sparse or even nonexistent.

To give members a chance at better health, we leverage more than just claims data. Socioeconomic, environmental, occupational, demographic, attribution, verification of benefits, pharmacy, engageability, biometrics, language and channel preference data all provide a rich context for populations and employees lacking claims history.

At the population level, our health economics practice utilizes this information to uncover important findings like:

  • Truck drivers with certain social determinants of health are more likely to have diabetes and to benefit from a specific type of drug.
  • Certain characteristics are tied to an increased likelihood of a member being identified as pregnant in the ER two months into their pregnancy.
  • Low-income, single-person households are at higher risk for end-stage renal disease.

Findings like these and many others are being used to predictively identify at-risk populations. In fact, our AI predictive models can find members an average of 6 months before becoming a high-cost claimant. This translates to $37.5 million in savings for members engaged in our care management prior to becoming a high-cost claimant.

At the member level, our health solution Celeste uses unconventional data to uncover valuable findings like whether a member has a primary care doctor and the strength of their relationship.

2. Making engagement easy and repeatable

Sixty-five percent of Americans say coordinating and managing their health and the healthcare system is overwhelming and time-consuming. Our health solution Celeste helps take the burden off managing the minutiae within the healthcare system—like understanding confusing billing, finding a doctor in-network or knowing what is and isn’t covered—so people can focus on what’s most important: their health.

How are we able to do this? Celeste Care Advocates leverage the robust data collected to proactively reach out to members and provide them with personalized and comprehensive support. Based on a member’s data and benefits, an algorithm scores the value of each potential solution (e.g., a behavioral health program, virtual diabetes coach, telehealth specialist visit, etc.) and that score gets paired with the likelihood of the member engaging with a potential solution to determine what option is best to recommend and in what order. This helps members focus on one change at a time instead of overwhelming them with making multiple changes at once.

Once a member gets engaged in their health, the challenge of keeping them engaged begins. Celeste helps with this by using integration to simplify members’ healthcare experience. Celeste connects multiple healthcare components, which are typically siloed, into a single platform that’s easily accessible for members via an all-in-one digital app.

These integrated components include:

  • Navigation and patient advocacy
  • Benefits and claims management
  • Health decision support
  • Data-driven, proactive outreach
  • High-quality care
  • Point solutions programs
  • Complex care management

At any point while they are in the app, members can message or call a Care Advocate.

Together, integration and guidance result in a seamless experience for the member. And when members experience healthcare in this way, they are more likely to stay engaged not only with the app, but most importantly, their health.

3. Making it easier for members to get the care they need

Sixty-one percent of adults seek care only when they are sick. For those skipping or delaying care, 30 percent say it’s the inability to take time away from other responsibilities, while 25 percent cite long wait times to book appointments. Deprioritizing healthcare is something that can happen when life gets in the way. And it has negative consequences for frontline workers and the general population.

Virtual care shows promise in making it easier for frontline employees to access care and is an important component of any integrated solution. However not all virtual care is created equal. Celeste’s model incorporates the following elements:

  • Robust primary care that prioritizes a virtual-first, comprehensive spectrum of services that includes same-day appointments, a board-certified physician panel and 24/7 access to a care team.
  • Empowering Care Advocates with data on whether a member has a relationship with a PCP, the strength of that relationship and how long it’s been since they’ve seen one so they can proactively contact members who look like they may benefit from our virtual solution.
  • Giving PCPs full view of a member’s complete data set, including employer benefits, so that they can recommend point solutions that complement a patient’s care needs.
  • A collaborative model that integrates physical and mental health to make it easier for providers to be connected and deliver whole-person care.
  • Continuity of care, prioritizing data sharing with in-person specialists for a seamless healthcare journey.

Beyond virtual care, Celeste provides a best-in-class virtual medical opinion service—with 700+ specialists to help members make the right decision about their health—and a range of point solutions, both of which are beneficial for populations that lack access to traditional healthcare options.

In practice, the three strategies laid out in this report have the potential to improve health outcomes for frontline workers—as well as the general population. In doing so, they also have the potential to improve retention rates by offering employees something they highly value—better benefits.

You can provide your employees with healthcare that meets them where they’re at. Reach out to a Skai representative to learn more today.

How Skai cultivates transparency and trust

We’re not only people-first at Skai—we’re partnership-first. We work closely with each national employer, tailoring through a strategic lens based on our clients’ best interests.


How we prioritize transparency and trust at Skai

  • Structuring our operations to be more nimble and customizable to national employer needs
  • Establishing flexible, direct contracting with any point solutions, meaning zero administrative burden for clients
  • Diving deep into our clients’ needs and providing strategic solutions based on those needs—not on larger trends alone
  • Giving our clients the same level of transparency members expect from their health plan—and more—so they always understand the true value of what they’re getting
  • Providing an interdisciplinary team of experts to cater to each client

Health plans must shift from a one-size-fits-all approach, to a more tailored strategy that addresses individual preferences and requirements.

Related insights

View more articles

Improving health outcomes for America’s frontline workers

10 min read

Approximately 70 percent of the U.S. workforce are frontline employees. They’re essential to critical functions of our nation’s economy working in industries like healthcare, retail, production and food processing, trucking, maintenance and agriculture.

These individuals are the backbone of our society. Many endure physically and mentally challenging work environments, which can make taking good care of themselves (and their families) difficult. This, along with changing healthcare benefits and a myriad of complex socioeconomic factors, contributes to a greater likelihood of certain medical conditions, a lower likelihood of receiving routine care and a high rate of workforce turnover.

These intensifying issues mean benefits managers at companies that employ frontline workers face a hard question: How can we improve the health outcomes of our workforce and provide benefits that have staying power?

Skai Blue Cross Blue Shield has decades of expertise supporting the complex health needs of high-turnover populations. Let’s take a look at how our approach supports frontline workers’ health.

1. Leveraging data in new ways to intervene sooner

Most health plans and health navigation companies use medical claims history to identify members in need of intervention. However, high employee turnover, coupled with a lower likelihood to seek preventive care means that claims history data can be sparse or even nonexistent.

To give members a chance at better health, we leverage more than just claims data. Socioeconomic, environmental, occupational, demographic, attribution, verification of benefits, pharmacy, engageability, biometrics, language and channel preference data all provide a rich context for populations and employees lacking claims history.

At the population level, our health economics practice utilizes this information to uncover important findings like:

  • Truck drivers with certain social determinants of health are more likely to have diabetes and to benefit from a specific type of drug.
  • Certain characteristics are tied to an increased likelihood of a member being identified as pregnant in the ER two months into their pregnancy.
  • Low-income, single-person households are at higher risk for end-stage renal disease.

Findings like these and many others are being used to predictively identify at-risk populations. In fact, our AI predictive models can find members an average of 6 months before becoming a high-cost claimant. This translates to $37.5 million in savings for members engaged in our care management prior to becoming a high-cost claimant.

At the member level, our health solution Celeste uses unconventional data to uncover valuable findings like whether a member has a primary care doctor and the strength of their relationship.

2. Making engagement easy and repeatable

Sixty-five percent of Americans say coordinating and managing their health and the healthcare system is overwhelming and time-consuming. Our health solution Celeste helps take the burden off managing the minutiae within the healthcare system—like understanding confusing billing, finding a doctor in-network or knowing what is and isn’t covered—so people can focus on what’s most important: their health.

How are we able to do this? Celeste Care Advocates leverage the robust data collected to proactively reach out to members and provide them with personalized and comprehensive support. Based on a member’s data and benefits, an algorithm scores the value of each potential solution (e.g., a behavioral health program, virtual diabetes coach, telehealth specialist visit, etc.) and that score gets paired with the likelihood of the member engaging with a potential solution to determine what option is best to recommend and in what order. This helps members focus on one change at a time instead of overwhelming them with making multiple changes at once.

Once a member gets engaged in their health, the challenge of keeping them engaged begins. Celeste helps with this by using integration to simplify members’ healthcare experience. Celeste connects multiple healthcare components, which are typically siloed, into a single platform that’s easily accessible for members via an all-in-one digital app.

These integrated components include:

  • Navigation and patient advocacy
  • Benefits and claims management
  • Health decision support
  • Data-driven, proactive outreach
  • High-quality care
  • Point solutions programs
  • Complex care management

At any point while they are in the app, members can message or call a Care Advocate.

Together, integration and guidance result in a seamless experience for the member. And when members experience healthcare in this way, they are more likely to stay engaged not only with the app, but most importantly, their health.

3. Making it easier for members to get the care they need

Sixty-one percent of adults seek care only when they are sick. For those skipping or delaying care, 30 percent say it’s the inability to take time away from other responsibilities, while 25 percent cite long wait times to book appointments. Deprioritizing healthcare is something that can happen when life gets in the way. And it has negative consequences for frontline workers and the general population.

Virtual care shows promise in making it easier for frontline employees to access care and is an important component of any integrated solution. However not all virtual care is created equal. Celeste’s model incorporates the following elements:

  • Robust primary care that prioritizes a virtual-first, comprehensive spectrum of services that includes same-day appointments, a board-certified physician panel and 24/7 access to a care team.
  • Empowering Care Advocates with data on whether a member has a relationship with a PCP, the strength of that relationship and how long it’s been since they’ve seen one so they can proactively contact members who look like they may benefit from our virtual solution.
  • Giving PCPs full view of a member’s complete data set, including employer benefits, so that they can recommend point solutions that complement a patient’s care needs.
  • A collaborative model that integrates physical and mental health to make it easier for providers to be connected and deliver whole-person care.
  • Continuity of care, prioritizing data sharing with in-person specialists for a seamless healthcare journey.

Beyond virtual care, Celeste provides a best-in-class virtual medical opinion service—with 700+ specialists to help members make the right decision about their health—and a range of point solutions, both of which are beneficial for populations that lack access to traditional healthcare options.

In practice, the three strategies laid out in this report have the potential to improve health outcomes for frontline workers—as well as the general population. In doing so, they also have the potential to improve retention rates by offering employees something they highly value—better benefits.

You can provide your employees with healthcare that meets them where they’re at. Reach out to a Skai representative to learn more today.

How Skai prioritizes cost containment and innovation

At Skai, we know sustainable cost-containment requires continual research and innovation. We always lean on forward-looking strategies that embrace proactive, whole-person support and factor cost-containing strategies into all solutions. 


How we prioritize cost containment and innovation at Skai

  • Providing unmatched access, choice and discounts for high-quality, in-network providers
  • Embracing progressive value-based care strategies like shared downside risk and collaborative decision-making
  • Customizing medical policies to each population's needs
  • Providing personalized, proactive whole-person, whole-population support focused on improving health while lowering long-term costs
  • Prioritizing engagement models that improve outcomes and maximize benefits usage
  • Addressing rising medical pharmacy costs through a comprehensive, whole-system approach

60% of Skai network providers participate in value-based contracts.

Related insights

View more articles

Improving health outcomes for America’s frontline workers

10 min read

Approximately 70 percent of the U.S. workforce are frontline employees. They’re essential to critical functions of our nation’s economy working in industries like healthcare, retail, production and food processing, trucking, maintenance and agriculture.

These individuals are the backbone of our society. Many endure physically and mentally challenging work environments, which can make taking good care of themselves (and their families) difficult. This, along with changing healthcare benefits and a myriad of complex socioeconomic factors, contributes to a greater likelihood of certain medical conditions, a lower likelihood of receiving routine care and a high rate of workforce turnover.

These intensifying issues mean benefits managers at companies that employ frontline workers face a hard question: How can we improve the health outcomes of our workforce and provide benefits that have staying power?

Skai Blue Cross Blue Shield has decades of expertise supporting the complex health needs of high-turnover populations. Let’s take a look at how our approach supports frontline workers’ health.

1. Leveraging data in new ways to intervene sooner

Most health plans and health navigation companies use medical claims history to identify members in need of intervention. However, high employee turnover, coupled with a lower likelihood to seek preventive care means that claims history data can be sparse or even nonexistent.

To give members a chance at better health, we leverage more than just claims data. Socioeconomic, environmental, occupational, demographic, attribution, verification of benefits, pharmacy, engageability, biometrics, language and channel preference data all provide a rich context for populations and employees lacking claims history.

At the population level, our health economics practice utilizes this information to uncover important findings like:

  • Truck drivers with certain social determinants of health are more likely to have diabetes and to benefit from a specific type of drug.
  • Certain characteristics are tied to an increased likelihood of a member being identified as pregnant in the ER two months into their pregnancy.
  • Low-income, single-person households are at higher risk for end-stage renal disease.

Findings like these and many others are being used to predictively identify at-risk populations. In fact, our AI predictive models can find members an average of 6 months before becoming a high-cost claimant. This translates to $37.5 million in savings for members engaged in our care management prior to becoming a high-cost claimant.

At the member level, our health solution Celeste uses unconventional data to uncover valuable findings like whether a member has a primary care doctor and the strength of their relationship.

2. Making engagement easy and repeatable

Sixty-five percent of Americans say coordinating and managing their health and the healthcare system is overwhelming and time-consuming. Our health solution Celeste helps take the burden off managing the minutiae within the healthcare system—like understanding confusing billing, finding a doctor in-network or knowing what is and isn’t covered—so people can focus on what’s most important: their health.

How are we able to do this? Celeste Care Advocates leverage the robust data collected to proactively reach out to members and provide them with personalized and comprehensive support. Based on a member’s data and benefits, an algorithm scores the value of each potential solution (e.g., a behavioral health program, virtual diabetes coach, telehealth specialist visit, etc.) and that score gets paired with the likelihood of the member engaging with a potential solution to determine what option is best to recommend and in what order. This helps members focus on one change at a time instead of overwhelming them with making multiple changes at once.

Once a member gets engaged in their health, the challenge of keeping them engaged begins. Celeste helps with this by using integration to simplify members’ healthcare experience. Celeste connects multiple healthcare components, which are typically siloed, into a single platform that’s easily accessible for members via an all-in-one digital app.

These integrated components include:

  • Navigation and patient advocacy
  • Benefits and claims management
  • Health decision support
  • Data-driven, proactive outreach
  • High-quality care
  • Point solutions programs
  • Complex care management

At any point while they are in the app, members can message or call a Care Advocate.

Together, integration and guidance result in a seamless experience for the member. And when members experience healthcare in this way, they are more likely to stay engaged not only with the app, but most importantly, their health.

3. Making it easier for members to get the care they need

Sixty-one percent of adults seek care only when they are sick. For those skipping or delaying care, 30 percent say it’s the inability to take time away from other responsibilities, while 25 percent cite long wait times to book appointments. Deprioritizing healthcare is something that can happen when life gets in the way. And it has negative consequences for frontline workers and the general population.

Virtual care shows promise in making it easier for frontline employees to access care and is an important component of any integrated solution. However not all virtual care is created equal. Celeste’s model incorporates the following elements:

  • Robust primary care that prioritizes a virtual-first, comprehensive spectrum of services that includes same-day appointments, a board-certified physician panel and 24/7 access to a care team.
  • Empowering Care Advocates with data on whether a member has a relationship with a PCP, the strength of that relationship and how long it’s been since they’ve seen one so they can proactively contact members who look like they may benefit from our virtual solution.
  • Giving PCPs full view of a member’s complete data set, including employer benefits, so that they can recommend point solutions that complement a patient’s care needs.
  • A collaborative model that integrates physical and mental health to make it easier for providers to be connected and deliver whole-person care.
  • Continuity of care, prioritizing data sharing with in-person specialists for a seamless healthcare journey.

Beyond virtual care, Celeste provides a best-in-class virtual medical opinion service—with 700+ specialists to help members make the right decision about their health—and a range of point solutions, both of which are beneficial for populations that lack access to traditional healthcare options.

In practice, the three strategies laid out in this report have the potential to improve health outcomes for frontline workers—as well as the general population. In doing so, they also have the potential to improve retention rates by offering employees something they highly value—better benefits.

You can provide your employees with healthcare that meets them where they’re at. Reach out to a Skai representative to learn more today.

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