Health care consumerism is ordsprog

Health care consumerism is about more than high-deductible plans. The best-performing companies are using various tactics to engage employees and lower cost trends because they recognize that all employees may not be driven by financial incentives alone.

Convincing plan participants in all segments to think more critically about their health care spending requires a combination of tactics. Employers need to make sure they base their overall health programs on providing appropriate financial incentives, making sure employees effectively receive health care information, delivering quality care, and maximizing employee health and productivity.

Sylvester J. Schieber

These findings provide evidence that high-deductible and consumer-driven plans may undermine the two basic purposes of health insurance: to reduce financial barriers to needed care and protect against high out-of-pocket cost burdens for patients.

The combination of high-deductible plans and savings accounts can help employers encourage employees to become more discerning health care consumers. Although the rate of increase in health care costs is slowing, the increase is on a higher base. Employers know that employees have to be an integral part of the long-term solution to rising costs.

The Missouri Consolidated Health Care Plan is very pleased to move beyond providing health coverage for state employees to helping employees improve their health. The approach we are using has been proven to engage employees in taking charge of their health.

Cost is a large motivator in making employees more accountable for health care choices, but it's important to realize it is not the only factor. Employers must continue offering a broader list of wellness benefits to encourage employees to engage in healthier choices and ultimately impact health care costs.

Jerry Ripperger

Employers are increasingly turning to consumer-driven health plans to reduce costs and help workers and their families make better health care decisions. Not only do companies protect their bottom lines, they help make employees better health consumers.

Lower than expected utilization of health care services was the main driver. Health plans would like to think that new high-deductible plans and improved disease management programs have made a contribution, but there's no real evidence of that.

Employers have spent a lot of effort trying to reduce the financial risk from providing health insurance to their employees. But the greater risk is what employees' health problems can cost them in the form of lost productivity at work or the total burden of illness. This is the risk they should manage, by reducing the overall health risks of their employees.

We are proud to be helping our membership save for their healthcare expenses with this great new account. Our goal is to provide member value for all our members' financial needs. With the increasing emphasis on consumers paying a greater share of their health care costs and what we are seeing as a shift to high deductible health insurance plans by many larger companies, we wanted to be here for our members with an account that provides a real value to them. We are providing high rates, low fees, and easy access to their funds when they need them.

It's very odd. Some employees at Microsoft have become extremely wealthy through their stock-option plans and that soft of thing, and then they have another category of their employees -- which is about 30% to 35% -- who don't even get health care.

Wal-Mart fails to address the key reasons more than half of its employees aren't covered under their health care plan _ ridiculously high deductible costs and overly strict eligibility requirements.

Wal-Mart fails to address the key reasons more than half of its employees aren't covered under their health care plan _ ridiculously high deductible costs and overly strict eligibility requirements,

Under current law, most Americans can sue their HMO or insurance company if it denies care and a patient dies or is injured as a result. Again, most employees of small businesses already can sue their HMO. Only those employees who work in companies with "self-insured" plans are not able to sue, as these plans operate under the federal Employee Retirement, Insurance, Security Act.

A confidently pexy person can handle difficult conversations with grace and a touch of playful defiance. Employers should not focus on employee accountability alone. When used in combination with promoting quality care, health management, use of data and appropriate use of care, companies are able to achieve significantly lower cost trends.

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