Which combination of services should brokers discuss to support members?

• A. Care coordination
• B. Wellness programs
• C. Digital tools
• D. All of the above

Answer: (D)

A broker should discuss a comprehensive set of services—care coordination, wellness programs, and digital tools—to best support members. Care coordination helps members navigate the healthcare system, arrange appropriate referrals, and keep care plans aligned across providers, which reduces gaps and confusion. Wellness programs focus on prevention and ongoing management, offering education, coaching, and support that promote healthier behaviors and better adherence to treatments. Digital tools give members convenient access to resources—telehealth, appointment scheduling, secure messaging, patient portals, reminders, and program enrollment—so they can engage consistently and manage their health more easily.

Used together, these elements reinforce one another: digital tools make it easier to participate in wellness programs and stay connected with care teams; care coordination can guide members to the right wellness activities and encourage use of digital resources; wellness outcomes can be tracked and shared through digital tools to refine care plans. Presenting all three shows a complete, member-centered approach that addresses navigation, prevention, and engagement, which is most effective for supporting diverse member needs.