Tales from the new frontier: pioneers' experiences with consumer-driven health care

Health Services Research
Anthony T Lo SassoHeidi Whitmore

Abstract

To conduct site visits to study the early experiences of firms offering consumer-driven health care (CDHC) plans to their employees and firms that provide CDHC products. A convenience sample of three firms offering CDHC products to their employees, one of which is also a large insurer, and one firm offering an early CDHC product to employers. We conducted onsite interviews of four companies during the spring and summer of 2003. These four cases were not selected randomly. We contacted organizations that already had a consumer-driven plan in place by January 2002 so as to provide a complete year's worth of experience with CDHC. The experience of the companies we visited indicated that favorable selection tends to result when a CDHC plan is introduced alongside traditional preferred provider organization (PPO) and health maintenance organization (HMO) plan offerings. Two sites demonstrated substantial cost-savings. Our case studies also indicate that the more mundane aspects of health care benefits are still crucial under CDHC. The size of the provider network accessible through the CDHC plan was critical, as was the role of premium contributions in the benefit design. Also, companies highlighted the importance of educating emplo...Continue Reading

References

Feb 16, 2002·Journal of Health Economics·Katherine HarrisRoger Feldman
Apr 4, 2003·Health Affairs·Jon R GabelSamantha Hawkins

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Citations

Nov 11, 2008·Health Affairs·Colleen L BarrySusan H Busch
Feb 18, 2016·Health Economics, Policy, and Law·Olivier J WoutersMartin McKee
Nov 26, 2005·Annals of Emergency Medicine·K John McConnell
Dec 18, 2012·Health Expectations : an International Journal of Public Participation in Health Care and Health Policy·Neal Gupta, Daniel Polsky
May 16, 2008·Medical Decision Making : an International Journal of the Society for Medical Decision Making·Justin W TimbieSharon-Lise T Normand
Jun 4, 2008·Medical Care Research and Review : MCRR·John E Schneider Pengxiang Li
Apr 12, 2008·Medical Care Research and Review : MCRR·Judith H HibbardMartin Tusler
Jul 3, 2004·Health Services Research·Karen Davis
Oct 24, 2017·Health Services Research·Xinke ZhangNeeraj Sood
Jul 10, 2018·Journal of Healthcare Management / American College of Healthcare Executives·David William Jordan
Jan 1, 2013·Forum for Health Economics & Policy·Neeraj SoodAmelia M Haviland

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