Consumer-driven health plans (CDHPs), typically a combination of high-deductible medical insurance coupled with a health savings account, are capturing employers' attention as a way to curb runaway benefit costs. To encourage more employees to enroll in these lower-cost plans, some employers are offering generous financial incentives that significantly shrink those high deductibles that were the hallmark of the early CDHPs. At Towson, MD-based Black & Decker Corp, for example, employees who enroll their families receive $1,000 from the company to reduce the $3,000 deductible to $2,000. A study conducted by researchers at the University of Oregon that was published in the July/August 2008 issue of Health Affairs examining patterns in prescription drug use among CDHP members found that individuals in CDHPs were much more likely than those with other coverage to discontinue use of anti-hypertensives, which lower blood pressure, and statins, which lower cholesterol.
Miracle cure or poison pill? Joanne Wojcik Workforce Management; Nov 2008; Docstoc pg. 12 Reproduced with permission of the copyright owner. Fu
Pages to are hidden for
"Miracle cure or poison pill?"Please download to view full document