By Mark S. Gaunya, Jennifer A. Borislow
American healthcare spending reached $2.4 trillion in 2008 and should exceed $4 trillion by means of 2018, with expenses hovering at to 3 instances the speed of inflation. conventional medical insurance concepts have not simply didn't cease the bleeding they have additionally stored american citizens in the dead of night and robbed them of selection. everyone seems to be accountable for a small a part of healthcare spending, and participants have the facility to show the placement round. Consumer-driven healthiness plans (CDHPs) positioned wisdom and tool again into people's fingers. during this publication, you will discover: 3 CDHP rules and the way they interact to reduce coverage expenditures and enhance the well-being and health of your staff potent step by step ideas for developing, enforcing, and dealing with CDHPs on your office suggestions for development a tradition of health and wellbeing and well being that merits every person instruments for interpreting and fine-tuning your wellbeing and fitness plan technique to maximize worker wellbeing, productiveness, and fiscal reductions yr after yr Real-life case reviews that illustrate how CDHPs are a confirmed approach to emerging healthcare bills
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Additional resources for Bend the healthcare trend: how consumer-driven health & wellness plans lower insurance costs
To energize employees about the CDHP solution, you must first help them improve their knowledge of healthcare costs. Once consumers become aware of the actual costs of the healthcare services they access, they'll be less inclined to make poor lifestyle choices (which 49/407 put a strain on their budgets and the healthcare system), and they'll work toward cutting down their unnecessary use of health services. Consumers may not be aware of the direct link between bad habits—tobacco and alcohol use, lack of physical exercise, and poor diet—and the steadily increasing cost of healthcare, but one is partially responsible for the other.
Employees feel they're sufficiently thoughtful about how they use a health plan (that is, spend money), and how much analysis they do before making buying decisions. Yet, the average American employee who needs family insurance spends about fifteen minutes each year during open enrollment to make a $18,000 health insurance buying decision. If healthcare is already costing the US so much money, how is it possible that costs continue to rise at two to three times the rate of general inflation? As the following chapters will explain, a disturbing value equation is formed when consumers are isolated from the true cost of healthcare.
Ken asked me to be the company's vice president of sales and help him build an insurance company that would fundamentally change the way people look at health insurance. 34/407 The value of that experience is immeasurable, and I am grateful to them for inviting me to be a part of something very special. As Destiny Health grew, it expanded into other markets and formed new strategic partnerships. Destiny Health and Tufts Health Plan joined forces, and we relocated to Hopkinton, just outside of Boston.