4. Ask an Expert About Health Care Benefits
The Segal Co. answers your non-legal questions about employee health care benefits. (Please note that this forum is dedicated to workforce-management professionals only, and not for employees.)
5. Smart Shopping: Maximizing Employee Health Dollars
Consumerism assumes that employees will shop more based on cost and quality. Often, however, employees are left in the dark as to how to find the most cost-effective doctors and prescription drugs.
Employees aren't happy with pricing information, especially related to doctors.
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To gain a better sense of the
pluses and pitfalls of consumer-driven plans, McKinsey & Co. interviewed more
than 1,000 employees who have been covered by a consumer-driven plan for at least
12 months. McKinsey’s analysis compared the health behaviors of those employees
with employees covered by other health insurance. As a group, the employees
covered by consumer-driven plans were:
•
50 percent more likely to ask about medical costs
•
20 percent more likely to participate in company
wellness programs
•
30 percent more likely to get an annual check
•
Satisfied (44 percent) with the switch to
consumer-driven care
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