Unbiased Analysis of Today's Healthcare Issues

How do patients choose their doctor?

The Center for Studying Health System Change gives some insight into how patients choose their doctor: “Among consumers who found a new provider, few engaged in active shopping or considered price or quality information—especially when choosing specialists or facilities for medical procedures. When selecting new primary care physicians, half of all consumers relied on word-of-mouth […]

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How do CDHPs affect Pharmaceutical Spending and Utilization

Recently, health insurers have been more likely to offer a tiered copayment structure to enrollees. Patients face low co-payments for generic drugs, higher copayments for “preferred” name-brand drugs, and the highest for name-brand drugs on a “nonpreferred” list. Consumer driven health plans (CDHPs) however offer a simpler payment system. The consumer generally places funds into […]

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HRAs vs. HSAs

On Friday I posted on Consumer Driven Health Care.  These consumer driven health plans (CDHPs) involve individuals having direct discretion about how health care dollars are spent.  If you are interested in CDHP, there may still be some confusion over which H?A you prefer.  Is a HRA (Health Reimbursement Account or Health Reimbursement Arrangement) or […]

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CDHPs and Small Business

Consumer directed health plans (CDHP) seem like an attractive option for small businesses. CDHPs utilize high deductible health plans (HDHP) making patients pay more money out of pocket. Because of this, insurance premiums are lower. These HDHPs can be linked to Health Reimbursement Arrangements (HRAs) or Health Savings Accounts (HSAs). Since small businesses do not […]

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