By Mark S. Gaunya, Jennifer A. Borislow
American healthcare spending reached $2.4 trillion in 2008 and may exceed $4 trillion via 2018, with charges hovering at to 3 instances the speed of inflation. conventional medical insurance innovations have not simply did not cease the bleeding they have additionally saved americans in the dead of night and robbed them of selection. everyone seems to be accountable for a small a part of healthcare spending, and members have the ability to show the placement round. Consumer-driven overall healthiness plans (CDHPs) placed wisdom and gear again into people's palms. during this e-book, you will find: 3 CDHP ideas and the way they interact to reduce assurance expenditures and enhance the health and wellbeing and overall healthiness of your staff powerful step by step recommendations for growing, imposing, and handling CDHPs on your office tips for development a tradition of well-being and wellbeing that advantages all people instruments for reading and fine-tuning your health and wellbeing plan technique to maximize worker wellbeing, productiveness, and monetary rate reductions yr after yr Real-life case reviews that illustrate how CDHPs are a confirmed technique to emerging healthcare bills
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Extra resources for Bend the healthcare trend: how consumer-driven health & wellness plans lower insurance costs
We 37/407 immediately developed a close friendship, and eventually I was successful in convincing him to leave the corporate world behind and join me as my business partner. Simple math would suggest that 1+1=2, but when Mark agreed to join me in leading Borislow Insurance (BI), the new math became 1+1=3. At BI, we are blessed with an extremely talented group of individuals who allow us to focus on developing and deploying new client strategies. To the BI team, we are truly grateful to you for your dedication, hard work, and commitment to continuously making a difference in our clients' lives.
3. It's someone else's fault. Doctors, hospitals, insurance companies, government, or employers are to blame. 54/407 Rising Health Insurance Premiums2 These notions aren't necessarily true. As the chart above illustrates, health insurance premiums have increased faster than the rate of inflation and the average worker's wage. Many factors that cause rising costs are well within consumer control. 55/407 The Cause Healthcare trend is the healthcare industry's terminology for inflation, and it's made up of two components: unit cost (the actual cost of healthcare products or services) and utilization (the number of times a healthcare product or service is purchased).
It's what an informed healthcare consumer does. In contrast, most consumers are unaware of the actual costs of the healthcare services covered by their insurance plans. When billing and payment are arranged between doctors and insurance companies, consumers don't think twice about going to the doctor or getting a prescription filled. For most consumers, it's just a co-pay. Simply put, when there isn't a real cost associated with medical care, consumers won't take the time to 58/407 consider the cost or whether they really need the service they're seeking.