Download or read book Consumer Driven Health Care written by Regina E. Herzlinger and published by John Wiley & Sons. This book was released on 2004-03-22 with total page 930 pages. Available in PDF, EPUB and Kindle. Book excerpt: Professor Herzlinger documents how the consumer-driven health caremovement is being implemented and its impact on insurers,providers, new intermediaries, and governments. With additionalcontributions by health care's leading strategists,innovators, regulators and scholars, Consumer-Driven HealthCare presents a compelling vision of a health care system builtto satisfy the people it serves. This comprehensive resource includes the most important thinkingon the topic and compelling case studies of consumer-driven healthcare (CDHC) in action, here and abroad, including newconsumer-driven intermediaries for information and support; typesof insurance plans; focused factories for delivering health care;personalized drugs and devices; and government roles.
Download or read book Who Killed HealthCare America s 2 Trillion Medical Problem and the Consumer Driven Cure written by Regina Herzlinger and published by McGraw Hill Professional. This book was released on 2007-04-17 with total page 314 pages. Available in PDF, EPUB and Kindle. Book excerpt: A renowned authority from Harvard Business School confronts America's health care crisis-and how consumer control can fix it PRAISE FOR WHO KILLED HEALTHCARE? “A brilliant analysis... A must-read.” – Bill George, Professor, Harvard Business School and Former CEO of Medtronic “As it becomes more and more obvious to everyone that our current health care system is unsustainable, this is the book that had to be written.” – Daniel H. Johnson, Jr. MD, former president of the American Medical Association “Regina Herzlinger’s ideas to tackle the crisis of the U.S. health care system are based on keen knowledge of the system’s existing difficulties along with insights that introduce the reader to new streamlined choices that have the potential of getting both quantity and cost under control.” – Joseph Kennedy, founder, chairman, and president, Citizens Energy Corporation, CEO, Citizens Health Care, former representative (D-Mass) “Regina Herzlinger... offers a vision of the way things can be, should be, and will be sooner or later. The only question is: how long do we have to wait?” – Greg Scandlen, founder, Consumers for Health Choices“Regi Herzlinger has brilliantly articulated a better way – embracing the principles of competition and innovation that cause every other sector of our economy to thrive. Discharging American health care from the ICU can only happen by putting individual Americans – not politicians and bureaucrats – back in charge of their health care decisioins.” – U.S. Senator Tom Coburn (R-Okla), M.D. “Following on the heels of her landmark Market-Driven Health Care, Herzlinger lays it on the line with her expose of what many who work in the health care industry have felt in their gut. Now it is articulated in an entertaining and must-read portrayal, with you and me as the only way out.” – Dennis White, executive vice president for strategic development, National Business Coalition on Health“A wonderful Orwellian romp through issues which carry a deadly irony. The killers of health care are, of course, the third parties, each of which has an itchy palm and a commitment to profit or power which exceeds the commitment to service, with each engaging the others within a politically shaped box. Rarely has the case for the public been made with so much force, foresight, and wit, and a better way forward shown so clearly.” – James F. Fries, MD, Professor of Medicine, Stanford University School of Medicine “You can practically hear the war chants as Professor Herzlinger sets out her view of what’s wrong with the health care system and how to fix it. You’d best read it so you can decide which side you will be on when the battle is joined.” – Paul Levy, CEO, Beth Israel Hospital, Boston, MA “Regina Herzlinger, the nation’s leading expert on consumer-driven health care, has given us a brilliant analysis of the flaws in our health care system and what it will take to get it back on track. Her latest book is a must-read.” – Bill George, Professor of Management Practice, Harvard Business School, Former CEO, Medtronic, and author of Authentic Leadership“You don’t have to agree with her diagnosis and prescription for the U.S. health care system, but you do have to read her book. Once again, Professor Herzlinger has put together a well researched, well written, and very provocative blueprint for the future of health care.” Peter L. Slavin, MD, President, Massachusetts General Hospital
Download or read book Consumer Directed Health Care written by Kim Slocum and published by CRC Press. This book was released on 2008-07-07 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a balanced 360 degree view of consumer directed health care. It provides insight, analysis, and original research to help us see more clearly the important dimension in the future of American health care.
Download or read book Health Care at Risk written by Timothy Jost and published by Duke University Press. This book was released on 2007-08-22 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: DIVAnalyzes what is wrong with the U.S. health care system, assessing and critiquing the ability of consumer-driven approaches to fix these problems and comparing the U.S. experience with that of other nations./div
Download or read book Employee Choice of Consumer Driven Health Insurance in a Multi Plan Multi Product Setting written by Stephen L. Parente and published by . This book was released on 2004 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Objective: To determine who chooses a Consumer Driven Health Plan (CDHP) in a multi-plan, multi-product setting, and, specifically, whether the CDHP attracts the sicker employees in a company's risk pool.Study Design: We estimated a health plan choice equation for employees of the University of Minnesota, who had a choice in 2002 of a CDHP and three other health plans - a traditional HMO, a preferred provider organization (PPO), and a tiered network product based on care systems. Data from an employee survey were matched to information from the university's payroll system.Principal Findings: Chronic illness of the employee or family members had no effect on choice of the CDHP, but such employees tended to choose the PPO. The employee's age was not related to CDHP choice. Higher-income employees chose the CDHP, as well as those who preferred health plans with a national provider panel that includes their physician in the panel. Employees tended to choose plans with lower out-of-pocket premiums, and surprisingly, employees with a chronic health condition themselves or in their family were more price-sensitive. Conclusions: This study provides the first evidence on who chooses a CDHP in a multi-plan, multi-product setting. The CDHP was not chosen disproportionately by the young and healthy, but it did attract the wealthy and those who found the availability of providers more appealing. Low out-of-pocket premiums are important features of health plans and in this setting, low premiums appeal to those who are less healthy.
Download or read book The Great American Rip Off written by Susan M. Finley and published by Dog Ear Publishing. This book was released on 2008 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book gives the reader a look at the complicated U.S. health care system through the eyes of a consumer. It explores two key questions: Why, with all of the resources that have been devoted to solving the health care crisis, does the situation continue to deteriorate? And, what, exactly, could be done differently this time to turn the situation around? The author examines obstacles that have stood in the way of health care reform in the past - including politics, government red tape, profit-driven providers, moneyed lobbyists and special interest groups and even, our own consumer "entitlement mentality" - and challenges the reader to envision a scenario in which innovation in health care might be possible. The author argues that consumers are the key to forward progress on health care: we'll only see consumer-driven solutions when enough people demand them. This book is a challenge to consumers to speak up and hold our leaders in the medical community, the government and corporate America accountable for developing solutions that work for us. Susan M. Finley is a small business owner and marketing strategist. She began her career as a bank product manager, and in 1994 co-founded Michaelson Kelbick Partners Inc. (MKP), a firm specializing in marketing and communications for the financial services industry. Over the course of a decade, the agency managed marketing communications for some of the largest bank mergers in recent history. In 2003, she left MKP (now renamed mkp communications, inc.). Her knowledge and understanding of the complicated U.S. health care financing system comes from a three-year research and consulting project, started in the hopes of serving as a catalyst for consumer-driven changes in health care. She lives in North Carolina, where she and her husband have recently founded Finley and Finley, LLC, to continue their research on potential avenues for innovation in the health care and financial services industries.
Download or read book The Performance and Potential of Consumer driven Health Care written by United States. Congress. Joint Economic Committee and published by . This book was released on 2004 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer directed Health Plans written by and published by . This book was released on 2004 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer directed Health Plans written by Philip Ellis and published by . This book was released on 2006 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book ConsumerDirected Health Plans Health Status Spending and Utilization of Enrollees in Plans Based on Health Reimbursement Arrangements written by and published by DIANE Publishing. This book was released on with total page 47 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Role of Consumers in the Success of the Consumer Driven Healthcare Movement written by Vail Marie Miller and published by . This book was released on 2010 with total page 207 pages. Available in PDF, EPUB and Kindle. Book excerpt: America's legislators have found themselves floundering for an economically tenable solution to the healthcare crisis. Consumer driven health plans (CDHPs) represent a proposed solution based on America's constitutional, liberal roots. The success of the consumer driven health movement relies on the anticipated benefits of better informed healthcare consumer choices and increased associated responsibility. CDHPs--with lower monthly premiums and higher deductibles than traditional plans--should incentivize enrollees to become better-informed, prudent consumers of healthcare by searching the Internet for the cheapest and best providers, insurance plans, and medications. In turn, healthcare costs should decrease and quality of care should increase as providers compete for patients. Potential enrollees' competency to make informed decisions regarding the following five tasks critical to CDHPs were assessed: 1) enrolling in CDHPs, 2) becoming better symptom-based medical decision-makers, 3) learning about preventing and managing common chronic conditions, 4) locating high quality healthcare providers, and 5) curbing spending on medications. Twenty volunteers (10 English-speaking, 10 Spanish-speaking)--all without health insurance, from varying sociodemographic backgrounds--participated in observational usability testing using screen capture software, Morae 2.0. The average Flesch-Kincaid reading level and consistency of information presented on four popular health Infomediaries was also assessed. The results suggest most potential CDHP enrollees don't have the adequate skill sets or online tools to effectively and safely make the informed decisions associated with plan usage. The Infomediaries provided fairly consistent information, but had a mean Flesch-Kincaid grade level of 10.1, well above the recommended sixth to eighth grade level. Most participants used search engines' sponsored links that led to poor quality websites. No participants used the government-produced healthfinder.gov. Home computer access (p=.01) and increased years of education (p=.02) had statistically significant positive effects on performance of the tasks. Age, gender, and primary language were not significant. The renovation of healthfinder.gov, health infomediary websites, a free educational program based in public libraries, and a call for greater responsibility by search engines with regard to sponsored links should result in a more just system that is likely to result in delivery of better quality healthcare in America and greater respect for patient autonomy.
Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Download or read book Consumer Directed Health Plans written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-10-04 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: Insurance carriers, employers, and individuals are showing increasing interest in consumer-directed health plans (CDHP). CDHPs typically combine a high-deductible health plan with a health reimbursement arrangement (HRA) or health savings account (HSA). HRAs and HSAs are tax-advantaged accounts used to pay enrollees' health care expenses, and unused balances may accrue for future use, potentially giving enrollees an incentive to purchase health care more prudently. The plans also provide decision-support tools to help enrollees become more actively involved in making health care purchasing decisions. Because CDHPs are relatively new, there is interest in the extent of enrollment and in other aspects of the plans. GAO was asked to review the prevalence of CDHPs, how the associated accounts are funded and used, and the factors that may contribute to the growth or limit the appeal of these plans. GAO examined survey data on CDHP enrollment and interviewed or obtained data from employers, insurance carriers, individuals, financial institutions, and other
Download or read book Health Insurance is a Family Matter written by Institute of Medicine and published by National Academies Press. This book was released on 2002-09-18 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well-being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.
Download or read book What Do We Really Know About Consumer Driven Health Plans written by Paul Fronstin and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Employers began offering consumer-driven health plans (CDHPs) in 2001 when a handful started offering health reimbursement arrangements (HRAs). They then started offering health savings account (HSA)-eligible plans after the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 included a provision to allow individuals with certain high-deductible health plans to contribute to an HSA. This paper summarizes what is known about CDHPs, which include both HRAs and HSAs. Surveys show that employers offering a CDHP increased from less than 5 percent in 2005 to between 12-15 percent by 2009. Growth in offer rates can be seen across all firm sizes. Recently, the percentage of small firms that offered a CDHP declined while larger firms continued to add a CDHP as an option. Overall, 19.1 million, or 11 percent of individuals with private insurance, were enrolled in a CDHP in 2009. More recent data suggest that by 2010, 10 million people were in an HSA-eligible plan. Generally, premiums for CDHPs were lower than premiums for non-CDHPs. A number of studies have tried to explain the differences in premiums. One found savings ranged from 15.5 percent to a low of -4.7 percent, with average savings of 4.8 percent. However, the study found that most of the savings was due to younger, healthier workers choosing CDHPs and concluded that once typical risk- and benefit-adjustment factors were taken into account, CDHPs saved only 1.5 percent. There is strong evidence that initially CDHP enrollees will be healthier than non-CDHP enrollees, but that over time the CDHP population has a significantly higher illness burden. The studies agree that use of preventive services did not change (upward or downward) as a result of the CDHP. The studies found that overall use of brand-name prescription drugs fell and, while there was some offset from increased use of generic drugs, some enrollees stopped their use of prescription drugs. CDHP enrollees increased their use of the mail-order pharmacy option. Overall use of prescription drugs among CDHP enrollees with certain chronic conditions fell, or did not increase when enrollees met their deductible. One study found that the financial incentives of the plan are not sufficient in driving behavior, and that educational outreach also matters. Despite the growing body of evidence on the effect of CDHPs on cost and quality, there are many unanswered questions about these plans. Most of the research to date has focused on HRA-based plans. Little systematic research has been conducted on HSA-eligible enrollees. The differences between these plans are significant enough to warrant separate analyses. Also, most of the research to date has ignored the impact of the account on the use of services and on spending. Individuals may use health care services differently depending on how much money is being contributed to the account, especially relative to the deductible, amounts rolled over, and portability of the account.
Download or read book Consumer directed Health Plans written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-09-15 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health savings accounts (HSA) and the high-deductible health insurance plans that are eligible to be coupled with them are a new type of consumer-directed health plan attracting interest among employers and consumers. Employers and plan enrollees may contribute to tax-advantaged HSAs, and enrollees can use the accounts to pay for health care expenses. Because HSAs and HSA-eligible plans are new, there is interest in the experiences of plan enrollees, as well as in comparing the plan features and enrollee characteristics with those of traditional plans, such as preferred provider organization (PPO) plans. GAO reviewed (1) the financial features of HSA-eligible plans in comparison with those of traditional plans, (2) the characteristics of HSA-eligible plan enrollees in comparison with those of traditional plan enrollees, (3) HSA funding and use, and (4) enrollees' experiences with HSA-eligible plans. GAO analyzed data regarding HSA-eligible and traditional plans and enrollees from national employer health benefits surveys, three selected employers, and a national broker of health insurance. GAO compared Internal Revenue Service (IRS) data for tax
Download or read book Consumer Directed Health Plans and Health Savings Accounts written by Susan M. Gates and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cost has deterred the majority of small businesses from providing health insurance to their workers. Consumer-directed health plans, which are potentially less costly than traditional health plans, may be well suited to workers in small businesses. The authors study the factors that are associated with CDHP offering, determine the variation in CDHP offering among large and small firms, and develop models of persistence in CDHP offering. Their analysis of the Kaiser-HRET survey shows that small firms have been no quicker in their uptake of CDHPs than larger firms, and appear to display somewhat more churning in CDHP offering than large firms. Small firms that employ between three and 49 workers are less likely to offer HRA/HSA plans than large firms. Furthermore, firms that employ 200 to 499 workers appear to be less likely to offer both HRA/HSA plans and HD plans compared to larger firms. Their results suggest a limited role for the current incarnation of consumer-directed health plans in encouraging small business to provide insurance.
