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Managed Care September 2003 MargaretAnn Cross	Consumer-Directed Health Care: Too Good To Be True? People talk about it as the sure way to control costs and give consumers the choice they seem to want. Are we being realistic?
Managed Care June 2005 MargaretAnn Cross	Consumer-Directed and Home-Brewed Regional health plans and small HMOs coming late to the consumer-directed health plan market haven't missed out -- yet.
Managed Care November 2007 MargaretAnn Cross	The Evolving Health Plan The consumer-directed health care model isn't taking the country by storm, but its innovations are influencing other coverage designs.
Managed Care August 2007	Consumer-Directed Health Plans: Built to Last or Designed to Fail? A point-counterpoint debate about the effect of CDHPs on overall health and health care costs.
Managed Care November 2005 MargaretAnn Cross	Health Plans by Design, Not by Default Fortune 500 employers are ready to shed old benefit models for "managed consumerism".
Managed Care July 2005 MargaretAnn Cross	Momentum Shifts Toward Consumer-Directed Plans Looking at past enrollment shifts and at the evolution of managed care can shed light on how to compete in the new market for account-based consumer-directed care.
Managed Care September 2003 Martin Sipkoff	This Isn't the First Attempt To Shift Cost to Employees Companies are decreasing their share of medical insurance premiums. It remains to be seen how this will affect workers' health status.
Managed Care May 2005 MargaretAnn Cross	Are Consumers Really Directing Their Own Care? In theory, consumer-directed health plans put the reins of decision making into the hands of their members. But medical management departments are alive and well inside CDHPs -- and may even expand under these plan designs.
Managed Care July 2007 Lola Butcher	Consumer-Directed Plans Fall Short of Expectation As the consumer-directed health plan design approaches its seventh year in the marketplace, some wonder if it will ever be more than a niche product.
CFO August 1, 2003 Joseph McCafferty	Heal Thyself Consumer-directed health care is hot. But is it a danger to the medical-insurance system?
CFO February 22, 2005 Joseph McCafferty	Attention Shoppers Consumer-driven health plans are catching on quickly, but are they the answer to runaway medical costs?
Managed Care August 2005 MargaretAnn Cross	Consumers in This Market Struggle To Keep Their HMOs Rochester, N.Y., faces rising health care costs and a growing employer interest in consumer-directed health plans. Can a managed care town hold its own?
Managed Care February 2004 MargaretAnn Cross	Why Workers Choose CDHPs: Matter of Dollars and Sense In a new study of how consumer-directed plans are doing, one finding is that lower premiums was not a major factor in whether workers selected such a plan.
Managed Care February 2006 Lola Butcher	Consumer-Directed Health Pains Two studies suggest that consumer-directed health care may not be a long-term method for controlling health care costs.
Managed Care August 2007 Lola Butcher	What Attracts Workers to Consumer-Directed Plans? High-deductible insurance hasn't been a big draw, but plan sponsors have found a few ways to make it attractive.
Managed Care January 2007	Consumer-Directed Drive Loses Steam Enrollment growth in consumer-directed or high-deductible health plans stalled last year, according to a survey by the Employee Benefit Research Institute and the Commonwealth Fund.
CFO February 1, 2008 Randy Myers	Rethinking Health Care Can more employee choice actually lower costs?
Managed Care November 2004 MargaretAnn Cross	Accrediting Agencies Turn Attention To Consumer-Directed Health Plans If employers make decisions based on United Regional Health Care Foundation's and National Committee for Quality Assurance's rating of traditional managed care plans, shouldn't they want similar ratings of consumer-directed health plans?
Managed Care December 2004 MargaretAnn Cross	Companies Seek Guidance As Payment Options Increase HSAs, FSAs, HRAs -- it's all alphabet soup to many employers. HMOs need to be able to accommodate all sorts of new payment schemes.
Managed Care January 2006 Maureen Glabman	What Doctors Don't Know About the New Plan Designs Physicians are fairly ignorant of what consumer-directed health care will mean to them in terms of relations with patients and health plans.
Knowledge@Wharton	In Battle to Lower Employers' Health Care Costs, Will Employees Become `General Contractors'? Following the backlash against managed care and faced with a sharp rise in health care costs this year, employers are searching for a new cure to spiraling health care premiums...
Managed Care May 2004 MargaretAnn Cross	Will Providers Seek New Contracts As Consumer-Directed Plans Grow? Although plans are not restructuring fee schedules in consumer-directed health plans, providers think their agreements need fine-tuning.
BusinessWeek November 8, 2004 Gleckman & Woellert	Your New Health Plan Health savings accounts, like 401(k)s, will give employees more choices -- but also a greater share of the costs
Managed Care July 2005 Tony Berberabe	Change in Thinking For Pharmacy Benefits in CDHP The difference between the pharmacy benefit in a consumer-directed health plan and a traditional health plan is greater generic drug utilization.
Financial Planning April 1, 2007 Donald Jay Korn	Healthy, Wealthy and Wise As more and more affluent clients start managing their medical costs, financial advisors may be asked to provide a second opinion on the choices.
Financial Planning January 1, 2005 Kevin J. Delaere	Healthy Advice Both clients and financial advisers should consider health and medical savings accounts as a vital part of an investment plan.
Managed Care March 2006 MargaretAnn Cross	Deciding Factor: How Much Health Care is Discretionary? Defining discretionary health care is no easy task, but it may be imperative for 'consumer' health plans seeking to get patients more involved.
Managed Care March 2008 John Carroll	Aetna and Hannaford Make a Singapore Connection Some insurers are taking tentative steps toward developing global provider networks for corporate clients looking to reduce costs by having medical procedures performed in less expensive countries.
IndustryWeek October 1, 2002 Karen M. Kroll	Savings Plan$ Defined-contribution programs promise to help put the brakes on rising health-care costs.
Managed Care October 2005 Martin Sipkoff	The Lure of Tax Reform Politicians on both sides of the aisle are considering tax reforms as a way of fixing the health care system. What might it mean for health plans?
Managed Care March 2005 John Carroll	HSAs: Early Returns Are In A significant number of consultants, insurers, politicians, and, oh yes, the companies that purchase health care are increasing their interest in health savings accounts.
Managed Care January 2007 John Carroll	Erosion of Employer-Sponsored Health Care: Bad for Everyone More companies are offering less coverage - or none at all. Even those that offer coverage find that more of their workers choose not to sign up.
Managed Care September 2003 Tony Berberabe	Pharmacy Benefit Starts To Reflect Push for Consumer-Directed Care Health insurance plans looking for a low-risk way to experiment with new benefit designs might start with the pharmacy benefit.
Managed Care March 2002 Michael D. Dalzell	Defined Contribution: Threat or Fad? Sensing an invasion of their territory, MCOs are jumping into a market forged by a group of upstarts. The development renews a fundamental debate about the juxtaposition of consumer involvement, cost containment, cost shifting, and quality of care...
Pharmaceutical Executive April 1, 2006 Humphrey Taylor	Opinion: Unintended Outcomes for Consumer-Drive Insurance So-called "consumer-driven" health insurance is designed to help informed consumers make better decisions about their medical treatment. But the high deductibles associated with these plans are affecting the end goal.
Managed Care July 2007	Meet the Consumer-Directed HMO Health Net of California, taking advantage of the strengths of California's managed care market, is launching a hybrid product called OptimizerHMO.
Managed Care January 2006	Managed Care Outlook Two surveys point to growth for consumer-directed health plans.
Pharmaceutical Executive October 1, 2006	Sales and Marketing: Where the Buck Stops Pharma's ultimate customer is the employer - the guy who pays the health plan's bill. Here's what he wants to know about drugs.
Managed Care October 2004 MargaretAnn Cross	More Plans Discover Value of Health Risk Assessments The Health Risk Assessment is not a new tool, but it is getting new respect. Often prodded by employers, health plans are increasingly identifying at-risk populations.
Managed Care August 2007 Frank Diamond	Employers Roll Up Their Sleeves No longer passive, companies are working in a variety of ways to improve employees' care. Preventive programs cost money up front, but can cut overall treatment costs to insurers by 30 percent or more, yet few insurers pay for preventive care.
Managed Care September 2004	Employers Offer 'Consumer' Plans with Trepidation There is concern that these plans will primarily attract healthier and higher-income individuals, leaving sicker and lower-wage employees in higher-cost alternatives.
Managed Care February 2005 MargaretAnn Cross	Big Companies Push For Better Online Tools Now that large companies are adding health information to their benefit portals on the Web, insurers will have to work more closely with them.
BusinessWeek October 24, 2005 Lauren Young	A Bad Case Of Sticker Shock Next year's health benefits will cause you to say "Ouch!" Here's what the most important changes will look like - and how painful they'll be.
Managed Care October 2005 MargaretAnn Cross	Medtronic, Early Adopter of CDHP, More Than Satisfied With Result The medical device manufacturer, Definity Health's first client nearly 5 years ago, has moved a fourth of its employees into the new-style consumer-directed health plan.
Inc. January 2004 Alison Stein Wellner	Passing the Buck A new health care tactic aims to lower costs by forcing employees to do a better job managing their own health expenses.
IndustryWeek October 19, 2011	Health Care Reform: Time For a Checkup? Don't be fooled by a lull in the rollout of provisions. Now is the time to shape your health care benefits strategy.
Financial Planning April 1, 2007 Elizabeth O'Brien	Are Your Clients Covered? Today's healthcare system demands vigilance from consumers and planners alike. Some financial planners are taking on the complex, expensive market for individual health insurance. And they're finding solutions.
The Motley Fool December 11, 2007 Dayana Yochim	PPO? HMO? HSA? OMG! Ready or not, for many employees, this is the only chance for the next 12 months to modify their health coverage. Here's how to pick the right employee health-care plan, whether you're single, married, in a family way, or feathering an empty nest.
Managed Care May 2002 Sharon Baker	Self-Funded HMOs on the Rise Escalating premiums, changing attitudes play a role in employers' decision to take on the same thing that burned many physicians: financial risk
Entrepreneur January 2005 Joan Szabo	Tax-Free Bill of Health Tax-advantaged health-care spending accounts are proliferating and that means more opportunities to save on taxes as well as more ways for businesses to help pay for health costs. Here's a look at how each one stacks up.