What are consumer driven health plans, and why are employers attempting to change employee healthcare behavior? Under traditional healthcare plans, most employees don’t worry about the cost of their prescription, if it is generic or a brand name – as their copay differential might be relatively modest. However, the total prescription expenditure to the company or insurer might be significant. The same issue is true when selecting providers for radiology or other routine services, as patients don’t know or don’t care about the cost differential between local providers.
The concept behind a consumer driven healthcare plan (CDHP) is to encourage employees to shop around for healthcare services that are the best fit for their needs and are the most cost efficient for them and their employers. Your company may decide to implement a CDHP in order to reduce the cost of health care while giving employees more flexibility in their medical choices. Here are a few tips on how you can help employees overcome the barriers they may be experiencing to take full advantage of their health benefits.
Take the time to review your company’s health care benefits to reduce the confusion employees may be experiencing. Make sure they understand, what’s in it for them. Here are some talking points to include in your presentation:
Find multiple ways to share information about your CDHP with your employees. This can include:
Try using engaging tools to help make the information more accessible and understandable for employees. For example, compare premiums and deductibles – concepts employees are already familiar with. Create a hypothetical situation that may be familiar and present the information in a story-telling approach.
Some employees may have a harder time understanding CDHPs than traditional health care plans. Use infographics and charts to help employees visualize data. Sometimes a clear, engaging graphic can be easier to understand than a long-winded explanation. CDHPs can to empower employees to make the best healthcare choices for themselves and their families. Providing employees with the information and support they need will help them overcome the barrier of adopting a new type of health care benefit.
Contact Lanier Upshaw, Inc. to learn how your company can provide innovative employee benefits and risk management programs to help both your business and your employees. Contact us here to learn more.