翰威特 - Health Care Consumerism

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1、HealthCareConsumerism:TheBroadViewHewittAnnualHealthCareResearchResultsandInsightsPresentedby:JackE.Bruner,FSAGlobalHealthCarePracticeLeaderHewittAssociatesLLCToprotecttheconfidentialandproprietaryinformationincludedinthismaterial,itmaynotbedisclosedorprovidedtoa

2、nythirdpartieswithouttheapprovalofHewittAssociatesLLC.HealthCareSurveyParticipantProfile524companies6+millionemployeesAveragecompany:12,611employeesPrimarilyHRandBenefitLeadersConsumerproducts12%Pharmaceuticals4%Manufacturing13%Financial7%Technology4%Healthcare9

3、%Retail9%Entertainment/hospitality4%Insurance7%Professionalservices8%Energyproduction/Transmission2%Other2%Printing,Publishing&Communication2%Utilities4%Government/Education8%Telecommunications3%Chemicals3%Transportation2%ExpectedAverageCostIncreaseOverallcostincre

4、asefrom2004to2005willaverage12%,but8%isthemaximumaffordableincreaseTraditionalHMOEPOPOSPPOIndemnityMedicareAdvantagePrescriptionDrugs12%12%11%11%12%9%13%ConsumerDrivenBuildYourOwnMulti-tierSelectCDHP(account-based)7%8%9%10%StrategicDirectionEmployeecontributionsfor

5、dependentcoverageProvidernetworksEmployeecontributionsforsinglecoverageDiseasemanagementincentivesBenefitdesignandout-of-pocketcostsharingPrescriptiondrugplanalternativesYourOrganization’sApproachTowardChangeLeadingedgeClosefollowerStrategicDirectionYourOrganizati

6、on’sApproachTowardChangeAdvancedprocurementstrategiesIncentivestouseefficientprovidersStrategicoutsourcingConsumerdrivenhealthplansExitingretireemedical13%27%27%25%19%19%13%9%8%8%LeadingedgeClosefollowerHowWillWeInfluenceConsumers?+EmployeeChoosingandUsingBehaviors

7、ChoosingHealthPlansTraditionalPlansPPOPOSHMOEPOConsumerDrivenPlansAccount-basedCDHPsBuildYourOwnSelectNetworksMulti-tierNetworksUsingHealthCareHealthChoicesPhysicianChoicesHospitalChoicesPharmaceuticalChoices+DesigningIncentivesforBehavioralChangeCopays$20Coinsuran

8、ce20%Carrots+Sticks●$2Generics●30%Brands“BuildYourOwn”HealthPlanHealthSavingsAccountsMandates/ClosedNetworks+HealthSavingsAccount-BasedConsumerD