Awakening consumer stewardship of health benefits: prevalence and differentiation of new health plan models

Health Services Research
Meredith B Rosenthal, Arnold Milstein

Abstract

Despite widespread publicity of consumer-directed health plans, little is known about their prevalence and the extent to which their designs adequately reflect and support consumerism. We examined three types of consumer-directed health plans: health reimbursement accounts (HRAs), premium-tiered, and point-of-care tiered benefit plans. We sought to measure the extent to which these plans had diffused, as well as to provide a critical look at the ways in which these plans support consumerism. Consumerism in this context refers to efforts to enable informed consumer choice and consumers' involvement in managing their health. We also wished to determine whether mainstream health plans-health maintenance organization (HMO), point of service (POS), and preferred provider organization (PPO) models-were being influenced by consumerism. Our study uses national survey data collected by Mercer Human Resource Consulting from 680 national and regional commercial health benefit plans on HMO, PPO, POS, and consumer-directed products. We defined consumer-directed products as health benefit plans that provided (1) consumer incentives to select more economical health care options, including self-care and no care, and (2) information and support...Continue Reading

References

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Apr 22, 2003·Health Affairs·Jon R GabelThomas Rice

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Citations

May 17, 2011·Journal of the American Academy of Dermatology·John D FreedmanPaul F Lizzul
Jul 3, 2004·Health Services Research·Karen Davis
Nov 13, 2007·Health Services Research·Meredith B RosenthalNancy L Keating
Nov 2, 2016·Health Policy and Planning·Amarech ObseDamen Hailemariam
Nov 13, 2004·Health Affairs·Meredith B Rosenthal
Sep 14, 2017·American Journal of Public Health·Phillip M SingerRenuka Tipirneni

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