Destiny Health
Destiny Health is an Illinois health insurance company founded on a revolutionary concept- putting its members in control of their own health care dollars. The Destiny Health plan design motivates active participation in health care and rewards the member behavior changes necessary for a healthier lifestyle. The Destiny Health model is a health insurance solution for those who seek greater value, superior choice, outstanding service and comprehensive coverage.
Launched in May 2000, The Destiny Health Plan currently has more than 30,000 members and 900 employer groups enrolled in Illinois.
The company's Comprehensive Consumer-Driven Healthcare™ model is structured to change the way members think about and use their health insurance benefit dollars. The product uses incentives to engage consumers to make smart health care decisions. For employers, this model is proven to control rising health care costs through lower premium increases.
The Destiny Health Plan brings together comprehensive insurance benefits and a unique Personal Medical Fund™ managed by you, the member. Insurance coverage for costly events that you can't control, and an interest-earning fund to budget for more "day-to-day" healthcare needs. The result: an affordable plan that offers protection and value for your premium dollar during sickness and even in healthy times. Funding of the PMF can be structured as a Health Savings Account (HSA), which was part of the recently passed Medicare reform law.
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