AI MESSAGING SUBSTANTIATION
1Health insurance costs for businesses continue to increase at rates well beyond inflation.
Mathews, Anna. “Health Insurance Costs for Businesses to Rise by Most in 15 Years,” estimated costs based on Aon projections, The Wall Street Journal, September 10, 2025.
2AI breakthrough adoption could generate up to a 22% reduction in healthcare costs by 2040.
Eitelwein, O and Duong, DB. “Unlocking the Great Health Productivity Reset,” Oliver Wyman, March 2026.
320% of employers are currently operationalizing AI in benefits. 72% of employers plan to operationalize AI adoption within two years.
2026 U.S. AI in Health and Benefits Survey, WTW, April 2026.
4Proven to lower the cost of care for employers (7% lower TCOC than national competitors).
Singleton A, Tilley C, Rachlin S. “Milliman Analysis of Total Cost of Care Benchmarks,” March 2025.
5Deliver a preferred experience for member (Preferred by Americans 2x more than the next closest competitor).
Market Insights, Blue Cross Brand Strength Measure Survey, Blue Cross Blue Shield Association, 2025.
6Blue Cross Blue Shield Axis® Provider Insights is the largest provider evaluation dataset.
Blue Cross Blue Shield Association internal data, January 2026.
763% of organizations say employees don’t understand their benefits.
National Survey of Employer-Sponsored Health Plans 2022, Mercer.
8$34B is lost nationally every year in potentially preventable hospital costs from adult inpatient stays.
McDermott KW and Jiang HJ. “Characteristics and Costs of Potentially Preventable Inpatient Stays, 2017,” Healthcare Cost and Utilization Project Statistical Brief #259, June 2020.
944% of registered members closed a care gap compared to 32% of unregistered members. $6.5M in cost was avoided through gap closures for self-insured clients. Blue Care Advisor has an 89% overall satisfaction rating.
Blue Care Advisor data, 2025.
1012M hours are spent per week by Americans on the phone talking with health insurers. $21B is the cost of lost work annually due to time spent calling health insurers.
Andrews, Edmund. “The Staggering Costs of Health Insurance ‘Sludge,’” Stanford Graduate School of Business, February 2021.
112.5M member calls with Blue Cross and Blue Shield of Minnesota Member Experience Advocates in 2025; 54 seconds were saved per call through Blue Note; 5 minutes and 45 seconds were saved per Case Manager call through Lumena; 287 average Case Manager notes generated daily in Lumena; 12 months of impactable spend forecast with SPARK; 39 data sources and 13 predictive models in SPARK; $1,012 PMPY average anticipated savings through targeted interventions using SDoH Intelligence.
Blue Cross and Blue Shield of Minnesota internal data, 2025.
1265% of employers don’t manage spending on employees with specific high-risk conditions.
Singer SJ, Pfeffer J, Nikolov MC. “An Absence of Accountability: Evidence of Employers’ Failure to Measure and Manage Employee Health Benefits Administration,” Social Science and Medicine, April 2025.
1380+% of executives anticipate and expect AI/ML tools to significantly modernize their health plans in the next few years.
Janisch A, Gerhardt W, Shukla M. “2026 US Health Care Outlook,” Deloitte, December 2025.
1459% of adults report at least one adverse SDOH-related social need.
Hacker K, Thomas CW, Zhao G, et al. “Social Determinants of Health and Health-Related Social Needs Among Adults with Chronic Diseases in the United States, Behavioral Risk Factor Surveillance System, 2022,” Preventing Chronic Disease, November 2024.
15$320B in avoidable spend each year driven by health inequalities from social and economic factors.
Davis A, Rush B, Dhar A, et al. “US Health Care Can’t Aff ord Health Inequities,” Deloitte, June 2022.
1634% of insured American adults say prior authorization is their single biggest burden in healthcare.
Kirzinger A, Montalvo J, Hamel L. “KFF Health Tracking Poll: Prior Authorizations Rank as Public’s Biggest Burden When Getting Health Care,” Kaiser Family Foundation, February 2026.
17$935B is spent annually on unnecessary or ineffective procedures, 25% of total U.S. healthcare spending.
Shrank WH, Rogstad TL, Parekh N. “Waste in the US Health Care System; Estimated Costs and Potential for Savings,” Journal of the American Medical Association, October 2019.
1865% of qualified prior authorization requests are handled by Auth AI. 60% of requests are approved within five minutes, with 80% approval targeted in 2027.
Blue Cross and Blue Shield of Minnesota internal prior authorization data.
1936% of U.S. health systems are using AI solutions for coding and billing, a 29% increase YOY.
“Health Systems Accelerate AI Adoption, with 67% Increase in Multi-Solution Deployment,” Eliciting Insights, March 2026.
2020% annual increase in PMPY costs associated with coding intensity.
Wennberg D, Fressin F, Everist R, et al. “Rising Coding Intensity and Its Impact on Health Care Aff ordability,” Blue Health Intelligence, March 2026.
21100% of claims are reviewed annually through Payment Integrity AI, and it delivers $424.5M in estimated savings annually.
Blue Cross and Blue Shield of Minnesota claims that undergo payment integrity advanced coding review. Annual gross savings CY2025 (Commercial fully insured and self insured accounts).
229% forecast for group healthcare cost increases in 2027.
"Behind the Numbers 2027: Medical Cost Trend Outlook," PwC, June 2026.
23Aligned with the trusted Blue Cross operating model; ranked the most trusted health plan for 16 years in a row.
“Is a company I can trust.“ (online interviews conducted 2014 – 2025), Brand Strength Measure Survey, Blue Cross Blue Shield Association. “Is a name you can trust.” (phone interviews conducted 2010 – 2013).
Total Cost of Care (TCOC) Substantiation
17% lower TCOC than national competitors
Singleton A, Tilley C, Rachlin S. “Milliman Analysis of Total Cost of Care Benchmarks,” March 2025.
285% of employers said that rising healthcare prices are their top benefits challenge
2025 Lockton National Benefits Survey, April 2025.
3The cost of employer-sponsored health coverage will surpass $17,000 per employee — or approximately $1,417 per member per month (PMPM) — in 2026, according to Aon
"U.S. Employer Health Care Costs Expected to Rise 9.5 Percent in 2026," Aon, September 2025.
4Internal calculations for 7% savings
Blue Cross and Blue Shield of Minnesota internal calculations.
5Preferred by Americans 2x more than the next closest competitor
Market Insights, Blue Cross Brand Strength Measure Survey, Blue Cross Blue Shield Association, 2024.
674% of Americans say they’re likely to delay care if their provider is out-of-network
“New Study from Madaket Health Reveals Nearly Half of Americans Delay Healthcare Due to Cost and In-Network Barriers,” Business Wire, July 2025."
7Nationally, 98% of all claims are paid in network
Leading Consulting Firm Discount Benchmarking Report, CY2021, BlueCard PPO.
8In Minnesota, 99% of all claims are paid in network
In-network claim percentages are for Minnesota commercial book of business for paid year 2023, Blue Cross internal claims data.
920% savings per treatment/care episode
Blue Cross Blue Shield Association, COE results and registry data, BDC/BDC+ eligible providers vs. relevant comparison group. Results based on most recent designation cycle for each specialty. Savings based on BDC/BDC+ total episode cost.
1055% behavioral health provider increase
Blue Cross Blue Shield Association, “Access to Mental Health Support Is Growing as Blues Add Providers,” October 2023.
11In 2025, Harvard Business Review recognized Blue Cross and Blue Shield of Minnesota for its transparent and privacy-focused disclosure of data practices, confirming that it drove greater employee participation and enabled better care management
Park A, Kietzmann J, Killoran J. “The Risk of Collecting Employees’ Biometric Data,” Harvard Business Review, May 2025.
12"Artificial intelligence accelerates healthcare approvals without restricting access, with 60% of approvals completed in five minutes or less"
Prime Therapeutics product overview. Client Product Advisory Council. January 2023. Note: specialty management drugs prior authorization only.
13A welcome email series boosted member understanding of coverage by 8%; Members who participated in Blue Cross Case Management programs saw up to a 19% trend reduction in medical costs
Blue Cross and Blue Shield of Minnesota internal data, 2024.
14Axis® Provider Insights tracks the performance of more than 400,000 individual physicians across 20 specialities
Blue Cross Blue Shield Association internal data, March 2025.
15Blue Cross is the most trusted health plan
“Is a name you can trust” (phone interviews conducted 2010 – 2013) or “Is a company I can trust” (online interviews conducted 2014 – 2025), Brand Strength Measure Survey, Blue Cross Blue Shield Association.
16Blue Cross is nationally recognized for award-winning customer service that consistently outperforms competitors
Blue Cross has received many customer service accolades from several sources, including Plant-A Insights Group, LLC, USA Today America’s Best Customer Service 2025, multiple online access surveys, U.S. Census 2024, ZoomInfo Technologies LLC, Etailinsights, Onclusive and Critical Mention.
17Blue Care Advisor has an 89% overall satisfaction rating; Users are 2x as likely to receive preventive care exams compared to those who are not registered; In 2024, the Blue Care Advisor tool helped 104,000 users close a care gap for the first time in at least two years; 78% of members are satisfied with their ability to understand medical care costs through Blue Care Advisor; 62% of users return at least once every 90 days
Blue Care Advisor internal data, 2024.
18$50 PMPM in-network discount savings
Leading Consulting Firm MY2022 Discount Benchmark and 2023 Blue Cross Blue Shield Trend, Blue Cross Blue Shield Association.
19$115 PMPM care management savings through diabetes management program
Blue Cross and Blue Shield of Minnesota internal calculation, 2024, based on diabetes program business case savings data, 2022.
20$35 PMPM savings when Prime Therapeutics is integrated
Competitor X analysis: Gleason, Patrick and Qui, Yang and Blue Cross and Blue Shield of Minnesota: Pharmacy Benefit Analysis, December 2022.
21$35 PMPM savings through payment integrity and utilization management programs
Blue Cross and Blue Shield of Minnesota commercial book of business data, 2024.
Omada messaging substantiation
1.Centers of Disease Control and Prevention, 2023
2. The Economic Costs of Diabetes in the U.S., Diabetes Care, November, 2023
3. 2024 Heart Disease and Stroke Statistics, American Heart Association
4. Effects of a Digital Diabetes Prevention Program: An RCT, April 2022. https://pubmed.ncbi.nlm.nih.gov/35151522/
5. T2D BoB Paper 2022
6. HTN 12-month BoB Study 2022
7. Maruther NM, Ma Y, Delahanty LM, et al. Early responses to preventative strategies in the diabetes prevention program. JGenInternMed.2013;28(12):1629–36.
8. Stratton IM, Adler AI, Neil HA, et al.Association of glycemia with complications of type 2 diabetes (UKPDS35):BMJ.2000;321(7258):405-412.
9. Ettehad D, Emdin CA, Kiran A, et al. Blood pressure lowering for prevention of cardiovascular disease and death: a systematic review and meta-analysis. Lancet. 2016;387(10022):957-967. doi:10.1016/S0140-6736(15)01225-8
10. Law MR, Morris JK, Wald NJ. Use of blood pressure lowering drugs in the prevention of cardiovascular disease: meta-analysis of 147 randomized trials in the context of expectations from prospective epidemiological studies. BMJ. 2009;338:b1665. Published 2009 May 19. doi:10.1136/bmj.b1665
Blue Cross and Blue Shield of Minnesota commercial plan messaging substantiation
Minnesota’s #1 health plan
Individual, Small Group, Large Group: NAIC enrollment reported for year‐end 2024; Self-insured enrollment: from internal sources, SEC, EMMA financial statement filings and publicly available information.
The nation’s largest network
Provider Data Repository (PDR), January 2021. From national BlueCard PPO portion of the network reporting services (NRS) extract of PDR data. The data is limited to records in plans’ licensed service areas.
Ranked highest in trust for 16 years in a row
"Is a name you can trust." (phone interviews conducted 2010-2013) or "Is a company I can trust." (online interviews conducted 2014-2024), Brand Strength Measure Survey, Blue Cross Blue Shield Association.
The nation’s preferred health plan
“… which one would you most prefer to have as your health insurance company”. Brand Strength Measure, Blue Cross Blue Shield Association, 2022.
97% of claims paid in network
Blue Cross Blue Shield Association Network portfolio statistics, December 2021, Leading Consulting Firm CY2019 Discount Benchmark.
Lower total cost of care with Blue Card®
Blue Cross Blue Shield Association Network portfolio statistics, Leading Consulting Firm CY2019 Total Cost of Care Benchmark.
56% average savings with BlueCard PPO
Blue Cross Blue Shield Association Network portfolio statistics, CY2019 ValueQuest Nationwide Report.
BlueHPN offers 11% savings over BlueCard PPO
Consortium Health Plans analysis, 2021.
$219 billion in annual savings with value-based payments
Blue Cross Blue Shield Association, 2020 Value-Based Program RFI Topline National Stats. December 2020.
Clinical intervention savings of $11,852 per member per year
Blue Cross and Blue Shield of Minnesota internal data, population health analytics, 2019.
Rated highest for peace of mind compared to national competitors
Blue Cross Blue Shield Association National Key Metrics, Brand attribute study.
One out of 3 Americans covered
Blue Cross Blue Shield Association, 2022 Value Story. 4Blue Cross Blue Shield Association, Fortune Analysis, July 2019. 5Fortune magazine, 2021 list of companies, Blue Cross internal data.
343 Fortune 500 organizations covered
Blue Cross Blue Shield Association, Fortune Analysis, July 2019.
59% of Minnesota Fortune 500 companies covered
Fortune magazine, 2025 list of companies, Blue Cross internal data.