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Healthcare Case Management Program Article on Higher Deductibles

Good article on the dangers of not financially being responsible and prepared when purchasing a higher deductible healthcare plan

Please also review our Healthcare Case Management Program

Please also review our Healthcare Case Management Program

Please also review our Healthcare Case Management Program

The article, Most High-Deductible Health Plan Consumers Lack Financial Management, by

Thomas Beaton states,

Less than half of high-deductible health plan (HDHP) consumers engage in positive financial management tasks such as negotiating costs for healthcare services or saving for future healthcare expenses, says a research letter published in JAMA this month.

A University of Michigan research team found that many HDHP beneficiaries may not be maximizing the value of their health plans and may need additional education about how to achieve good outcomes with high deductible benefit plans.

The research studied a sample of 1637 HDHP beneficiaries and found that 42 percent of beneficiaries had a chronic condition. Fifty-eight percent had a health savings account (HSA), or similar bank account dedicated to healthcare expenses.

However, only 40 percent of these individuals reported saving for healthcare utilization in the future, even though more than half had a bank account designed for saving for healthcare spending.

Just a quarter of HDHP beneficiaries consulted a provider about the cost of a healthcare service, and only 14 percent of plan beneficiaries compared provider prices and provider quality. Only 6 percent of HDHP holders tried to negotiate a price for a service.

Generally, HDHP holders were most likely to engage in consumer behaviors when they required prescription drug treatment (61 percent of HDHP beneficiaries using price comparison) or outpatient visits (71 percent of beneficiaries that used quality comparison tools).

HDHP beneficiaries that engaged in positive consumer behaviors were more likely to direct cost-effective purchasing into positive healthcare utilization.”

To read the entire article, please click here


Please also review our Healthcare Case Management Program

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