CHICAGO – A new report bolstering the effectiveness of Consumer Driven Health Plans (CDHPs) from Health Care Services Corp. shows that people enrolled in these plans increase their use of preventive services and generic medications, while also decreasing their use of the emergency room.
According to data from Health Care Service Corp. (HCSC), which operates Blue Cross and Blue Shield plans in Illinois, Texas, Oklahoma and New Mexico, members who migrated to the higher deductible CDHP plans reduced their healthcare spending significantly. According to HCSC, the study data is unique among market studies of CDHPs as it studied members who moved into these plans from traditional health plans, allowing them to track behavior changes the members made as a result of the shift.
"Our findings are significant because they indicate both real and potential healthcare spend reductions. Rather than comparing the utilization of different groups of consumers, we have focused on the utilization changes of members who migrated from traditional plans to CDHP,” said Guy McGinnis, vice president, client analytics with HCSC in a press release. “The fact that we are comparing the same members in both plans allows us to minimize inherent risk differentials.”
Key findings of the study found that once moving to CDHPs members:
According to HCSC, this is the second year it has conducted the study, which used five years of healthcare data of more than 265,000 members and pharmacy data from more than 121,000 of the same members. The analysis is meant to show how effective the company is executing on the design of its own CDHP plans, which the company noted will be further enhanced for 2013 with added incentives designed to increase the savings associated with these plans.
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Over the past decade, the use of consumer-directed health plans (CDHPs) has increased substantially. In 2006, Indiana introduced plans with health savings accounts as a coverage option for state employees. A case study by Mercer Health and Benefits LLC, a leading consulting firm, examined the outcome of Indiana’s implementation and
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