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New Research From EBRI: Consumer-Driven Health Plan Participants Display Cost-Conscious Behavior, Utilize Wellness Programs
Date:12/1/2009

: Individuals in CDHPs in 2009 were more likely than those with traditional coverage to say that they had checked whether the plan would cover care (61 percent CDHP vs. 50 percent traditional); asked for a generic drug instead of a brand name (56 percent CDHP vs. 46 percent traditional); talked to their doctor about prescription drug options and costs (44 percent CDHP vs. 35 percent traditional); talked to their doctor about other treatment options and costs (40 percent CDHP vs. 33 percent traditional); asked their doctor to recommend a less costly prescription drug (39 percent CDHP vs. 34 percent traditional); developed a budget to manage health care expenses (32 percent CDHP vs. 15 percent traditional); and checked the price of service before getting care (35 percent CDHP vs. 25 percent traditional).

Wellness program engagement: CDHP enrollees were more likely than traditional plan enrollees to take advantage of a wellness program, either a health risk assessment or a health promotion program. Slightly more than 70 percent of CDHP enrollees participated in a health risk assessment, compared with 56 percent of traditional plan enrollees. Similarly, 53 percent of CDHP enrollees participated in a health promotion program, compared with 42 percent among traditional plan enrollees. In addition, 41 percent of CDHP enrollees reported that their employer offered a health risk assessment, compared with 31 percent of traditional plan enrollees and 22 percent of HDHP enrollees.

Financial incentives: Financial incentives were more a factor for CDHP enrollees than for traditional plan enrollees. For example, 31 percent of CDHP enrollees would change to doctors who used health information technology in response to lower cost sharing, compared with one-quarter of traditional plan enrollees. CDHP enrollees also would be more likely than traditional plan enrollees to switch doctors to one who used e-mail to deliver lab tests, allowed the ind
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SOURCE Employee Benefit Research Institute
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