Sounds like each one of those "integrated" components are actually separate things and each has an expense to you. And theres noone at the plan to help you navi

Sounds like each one of those "integrated" components are actually separate things and each has an expense to you. And theres noone at the plan to help you navigate or coordinate what you access or why you should. All up to you. Our approach is to make these types of things to be inside the benefit plan (e.g. no copays, no deductibles for telemedicine solutions), and support you with care guides and incentives. I hear your pain though - its why we are trying to do this. Better access, easy as well as affordable.