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Study Shows Consumers With High Deductible Health Plans Are More Savvy About Controlling Costs, Improving Health
Date:4/15/2009

are.

  • Price matters -- sometimes. Overall, consumers are not yet willing to be inconvenienced to get a better price for health care. However, HDHP members are more likely to take actions for a better price such as using a primary care physician over a specialist or changing the location for taking a diagnostic test. When consumers do ask questions, they primarily pertain to the cost of prescription drugs. The number one health care decision where consumers said they would make a choice to save money is opting for a generic over a brand name prescription drug.

  • Employers willing to reward workers; employees willing to participate. Half of employers surveyed said they are likely to offer a wellness rewards program to their workforce and believe it will lead to healthier employees. Nearly 85 percent of the surveyed employers believe that the best way to control health care costs is for people to take better care of themselves. Approximately two-thirds of consumers would be likely to participate in incentive programs if offered. Consumers also said if their employers offered incentive programs, it would show that they cared about their employees.

  • Plans promote well-being. The majority of consumers believe their health plans want to help them improve or maintain their health. This was particularly true of IBC members; 81 percent of IBC members felt this way versus 67 percent of other carriers' members. When asked why, consumers pointed to IBC's coverage for preventive care and incentives for healthy behavior. IBC members were more likely than members of other plans to mention the availability of IBC's wellness programs, such as incentives to exercise, lose weight, or quit smoking.

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SOURCE Independence Blue Cross
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