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National Survey Shows Employee Fears About Consumer-Driven Health Plans on Decline

s as enrollment has increased and fewer employers cite fears of high out- of-pocket costs among employees. This increase can be attributed to employers providing CDH plans that are comparable to out-of-pocket costs of traditional health plans (HMO and PPO), and implementing a strong communication plan to explain this plan type. For an employee out-of-pocket cost comparison of CDH versus PPO and HMO plans (see the chart below, page 5).

-- Aon Consulting consistently sees 90 percent satisfaction rates among

employees who are enrolled in CDH plans (based on client analysis).

Health Care Plan Out-of-Pocket Cost Comparison:

Single Coverage

Cost of CDH

Services Service Plan* HMO PPO

Office visit for cold $50 $0 $15 $20

Chest x-ray and lab $200 $0 $15 $200

Rx - brand formulary $68 $0 $20 $20

Well woman exam

(preventive) $75 $0 $15 $15

Pap smear

(preventive) $15 $0 $15 $15


(preventive) $95 $0 $25 $25

Mail Rx - non-

formulary (2) $360 $0 $70 $70

Total out-of-pocket

expenses $863 $0 $175 $365

Annual premium paid

by EE $720 $960 $360

Total annual cost to

EE $720 $1,135 $725

* An employee enrolled in this example CDH plan first has a $1,000 employer-provided fund to cover medical expenses. Once that fund is depleted, the employee is responsible for the next $1,000 of expe

SOURCE Aon Corporation
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