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HealthCareConsumerism:TheBroadViewHewittAnnualHealthCareResearchResultsandInsightsPresentedby:JackE.BranerFSAGlobalHealthCarePracticeLeaderHewittAssociatesLLCHealthCareSurveyParticipantProfilePnarosiengsTnooponlo“524companiesCroronc“e政沥Jnes“6+millionemployees芸E命Sneconetnepeow*Averagecompany:收r12.611employeesan巴吊史Pomseeetcos“PrimarilyHR江andBenefitegseeeaLeaders1nnuesonTeoonooy个comnnent.%EiucstonTieconmoncotone皂EExpectedAverageCostInereaseOverallcostincreasefrom2004to2005willaverage12%,but8%isthemaximumaffordableincreaseTraditionalHMOEPOPOSsPPOIndemnityMedicareAdvantagePreseriptionDrugsConsumerDrivenBuildYourOwnMalti-tier|SeledCDHP(accountbased)7%8绍9仁10%StrategicDirectioneYourOrganizationsApproachTowardChangePreseriptiondrugplanalternativesBeneftdesignandoutofpocketcostsharingEmpleyeecontribationsfordependentcoveragerEmployeecontribationsforsinglecoverageEDiseasemanagementincentivesF霞sx国Lexingolge国CosfolowerExitingretireemedicalConsumerdrivenhealthplansAdvancedprocurementstrategiesIncentivesusesfieiontpro网7slralegjr。ls。r【ig掉_回Lexingese国Cocpolower广dnHowWillWeInfluenceConsumers?EmployeeChoosingandUsingBehaviorsChoosingHealthPlansTraditionalPlansUsingHealthCarePPOHealthChoicesPOSPhysicianChoicesHMOHospitalChoicesEPOPharmaceuticalChoicesConsumerDrivcnPlanAccount-basedCDHPsBuildYourOwnSelectNetworks|Multi-tierNetworks十【t22DesigningIncentivesforBehavioralChangeCopays“BuildYourMandates/820Ownr“ClosedCoinsuranceHealthPlanNetworks20%ealthCarrots+SlickSavings人S2GenericsAccounts伟30%Brands一.唐fE丽|c2:HealthPlanChoice一ConsumerDrivenHealthPlansHealthSavingsAccount-BasedConsumerDrivyenHealthPlansHealtPlnCoverageEdeductibteEcDEHealthPlanChoice一BuildYourOwnHealthPlanDecisionPointscYeurawalpanicpasinhestRtkEMoratM“.E3弛2国林EsssPo8msdnewektrpol用伟蛇真iBgRR柯咤留EesiogeredcsaolomolsnnaEepeS5nonlomuannndanarcaespiegem。25n仁浩O5oxcansuanceyc标Eiocopoysiospeciitae2。
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