Early experience with employee choice of consumer-directed health plans and satisfaction with enrollment

Health Services Research
Jinnet Briggs FowlesJohn Bertko

Abstract

To assess the initial impact of offering consumer-defined health plan (CDHP) options on employees. A mail survey of 4,680 employees in the corporate offices of Humana Inc. in June 2001. The study was a cross-sectional mail survey of employees aged 18 and older who were eligible for health care benefits. The survey was conducted following open enrollment. The primary outcome is the choice of consumer-directed health plan or not; the secondary outcome is satisfaction with the enrollment process. Important covariates include sociodemographic characteristics (age, gender, race, educational level, exempt or nonexempt status, type of coverage), health status, health care utilization, and plan design preferences. A six-page questionnaire was mailed to the home of each employee, followed by a reminder postcard and two subsequent mailings to nonrespondents. The response rate was 66.2 percent. Seven percent selected one of the two new plan options. Because there were no meaningful differences between employees choosing either of the two new options, these groups were combined in multivariate analysis. A logistic regression modeled the likelihood of choosing the novel plan options. Those selecting the new plans were less likely to be blac...Continue Reading

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