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Consumer-Driven
Healthcare: Growth, Strategies, Details, and Mixed Opinions
Consumer-Driven Health Plans
(CDHPs) are growing at an explosive rate, especially with the recent
initiatives by the federal government. When first launched in 2003,
only two companies offered CDHPs: Definity Health and Lumenos. But by
2007, every major health plan has a CDHP product.
All CDHPs are high deductible
plans usually linked to either a health savings account (HSA) or a
health reimbursement account (HRA).
CDHPs developed in an
environment of out-of-control healthcare costs. Healthcare spending has
reached nearly $2 trillion annually in the United States, which has the
most expensive healthcare system in the industrialized world. From 2000
to 2005 healthcare insurance premiums increased 73 percent, far greater
than the rate of inflation and the rate of wage increases.
"Consumer-Driven
Healthcare: The Growth, Strategies, and Mixed Opinions" has
been produced by the Managed Care Information Center editorial team to
show you what is driving this explosive health plan trend.
There is enough information
available
to indicate that CDHPs have a long road to travel in the
marketplace. Is this the preeminent solution to escalating healthcare
costs? Or are there too many obstacles to getting employer and consumer
to buy-in? Is there more needed to reduce healthcare costs than
consumer- driven healthcare?
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Central to any CDHP is the
consumer
and the principle that if the consumer is aware of the true costs of
healthcare, he or she would make wiser decisions when purchasing the
services. This selectivity by consumers would effectively drive
healthcare costs down. Providers would have to compete against each
other and market forces would take hold of an industry that never
followed free market rules.
Although some politicians and
insurance plans believe that the future of healthcare is with
CDHPs, many employers and the general public are not convinced.
There are definite problems
associated
with CDHPs. According to the Employee Benefit Research Institute,
individuals with CDHPs and other high deductible plans were
significantly more likely to avoid, skip, or delay healthcare because
of costs than were those with comprehensive insurance. About one third
of individuals in CDHPs, 35 percent, and HDHPs, 31 percent, reported
delaying or avoiding care, compared with 17 percent of those in
comprehensive health plans.
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"Consumer-Driven
Healthcare: The Growth, Strategies, and Mixed Opinions" contains
insider-information developed by our team in connection with reporting
on the subject for The
Executive Report on Managed Care and from briefings by
leading consultants, agencies, and industry studies.
In this 40-page report,
you’ll get:
- Details on surveys conducted
by leading healthcare organizations such as:
- The Managed Care
Information Center
- Buck Consultants
- Hewitt Associates
- Mercer Health &
Benefits LLC
- America’s Health
Insurance Plans
- American Hospital
Association.
- The leading success factors
in consumer-driven healthcare
- Employers’
integrated strategies to combat rising healthcare costs
- Concrete results of CDHPs so
far. Were healthcare costs reduced and if so, by what level?
- Employee satisfaction with
the CDHPs versus traditional plans
- The mixed opinions on CDHPs:
The growth, initiatives and roadblocks
- The growth of HSAs and HRA:
The winners and losers
"Consumer-Driven
Healthcare: The Growth, Strategies, and Mixed Opinions" will
bring you up to speed with this hot healthcare trend and the issues
surrounding it. It is available in hard copy of in PDF format.
Order your copy today!
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