By Mark S. Gaunya, Jennifer A. Borislow
American healthcare spending reached $2.4 trillion in 2008 and should exceed $4 trillion by way of 2018, with expenditures hovering at to 3 instances the speed of inflation. conventional medical health insurance suggestions have not simply did not cease the bleeding they have additionally saved american citizens at nighttime and robbed them of selection. everyone seems to be chargeable for a small a part of healthcare spending, and participants have the facility to show the placement round. Consumer-driven overall healthiness plans (CDHPs) positioned wisdom and tool again into people's arms. during this ebook, you will discover: 3 CDHP ideas and the way they interact to reduce coverage bills and enhance the wellbeing and fitness and healthiness of your staff powerful step by step recommendations for growing, enforcing, and handling CDHPs on your office counsel for construction a tradition of well-being and well being that advantages everybody instruments for examining and fine-tuning your healthiness plan technique to maximize worker health, productiveness, and fiscal discount rates yr after yr Real-life case reports that illustrate how CDHPs are a confirmed way to emerging healthcare charges
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Additional resources for Bend the healthcare trend: how consumer-driven health & wellness plans lower insurance costs
And if consumers don't know the costs, they can't make informed decisions about their purchases. Most consumers don't use the same discretion when purchasing health insurance or healthcare services as they do when purchasing a new car. Although choosing a new car is a big decision, making informed choices about which health insurance plan to select and how to take the best care of your health is far more important. 43/407 Just because you're familiar with Ford vehicles doesn't mean you're going to buy one.
Consumers may not be aware of the direct link between bad habits—tobacco and alcohol use, lack of physical exercise, and poor diet—and the steadily increasing cost of healthcare, but one is partially responsible for the other. The top priority after buying a new car is maintenance. To keep the car in excellent shape, a maintenance schedule that includes regular oil changes and having the tires rotated is required. To prevent damage to the vehicle, you'll avoid accidents by not speeding and driving carefully when it's raining.
Though I had been originally hired in accounting and had no insurance sales experience, Peter asked me to lead his commercial accounts team at Blue Cross and Blue Shield of the National Capital Area (now CareFirst). Years later, I asked Peter why he gave me the job, and he said, “Someone took a chance on me at a young age, and I thought you deserved one. ” That moment changed the course of my career, and I will always be grateful to him for that opportunity. After the birth of our son and twin daughters, we moved to Naperville, near Chicago, when CIGNA Healthcare recruited me to be a vice president of sales.