As of Jan. 1, 2006, more than 6 million lives were covered by a consumer-directed health (CDH) plan. Enrollment in the plans has been doubling or tripling every year since 2000 — the year a handful of employers pioneered account-based coverage. While health plans and lawmakers will continue to influence the direction CDH plans take in the years ahead, the success or failure of the plans ultimately will be determined by the employers that introduce the plans.
35 Employer Case Studies in Consumer-Directed Care: Tips and Strategies From Employers That Are Pioneering HSA- and HRA-Based Health Plans is a compilation of stories from some of the first employers — large and small — to introduce an account-based plan to their employees.
Along with enrollment results, these profiles include detailed plan design information, such as:
- Annual deductibles
- HSA and HRA contributions
- Coinsurance
- Preventive care coverage, and
- Out-of-pocket maximums
Based on interviews with the benefits consultants and human resources executives who developed the plans and educated employees about how they work, 35 Employer Case Studies in Consumer-Directed Care is designed to help you benefit from the lessons learned by many of the pioneers in the industry.
Table of Contents
Introduction
CDH Pioneers Say Enrollment Continues to Grow While Costs Shrink
Large Industrial Companies
- John Deere Says It Will Adopt Full-Replacement HSA Strategy for 2007
- Union Pacific Stays on Track With CDH Strategy
- Temple-Inland Company Adds Two New HSA Options
- Northrop Expands Pilot CDH Plan
- Enrollment in Owens Corning's CDH Plans Tops 70%
- Employee/Provider Education, Networks Key to Whirlpool's CDH Success
- New CDH Strategy, Name Mark Sunbeam's Rise From Bankruptcy
Grocers, Retailers and Fast Food
- Kroger 'Markets' HDHP to Staff, Will Add Second HSA Option for '07
- Whole Foods' CDH Plan Slices Claims, Produces Higher Enrollment
- Hannaford Asks That Definity Administer CDH, PPO, POS Plans
- Wendy's Puts 'the Beef' in Full-Replacement HSA Strategy
- CDH Pilot Project Could Become Health Plan 'Staple' for Office Supply Company
- Eddie Bauer Takes First CDH Step With HRA Pilot for 2006
Other Large and Mid-size Private Employers
- Blackbaud Touts 79% HDHP Enrollment
- Colonial Pipeline Pumps Up CDH, Fuels Enrollment With HSA Dollars
- Full-Replacement Plan Helps Apogee Control Rate Hikes
- CDH Plan Saves Serigraph $100,000 a Month, CEO Says
- Lumenos, Definity Clients Detail Implementation, Results, Lessons
- Full-Replacement Plan Saves Logan Aluminum $1 Million
- Milwaukee Employers Launch Joint CDH Strategies for 2006; Humana Leads Effort
Universities
- Many University Employees Still Favor Old-School Policies Over New CDH Options
- Stanford Maintains Low Enrollment With Lumenos Plan
Health Insurance Companies and Purchasing Alliances
- WellPoint/Lumenos Offers HRA to Own Employees
- Practice What You Preach: Lumenos Promotes Health to Own Employees
- 6,000 Humana Employees Now Covered by HSA Plans
- CDH Helps Keep Premiums in Single Digits, CaliforniaChoice Says
Hospitals
- After Three Years With CDH Option, Baylor Drops All Other Plans
- Minnesota Hospital Packs Up HRAs, Relocates to New CDH Plan
- HRA-Based Plans Are More Flexible, Allow FSA Stacking, Hospital Says
- Hospital's Full-Replacement Plan Cuts Medical, Rx Costs in First Year
Financial Services Firms
- AFG Achieves 54% Enrollment in First-Year
- Zions Bank Employees Enroll in HSA-Based Plan
City, State and Federal Governments
- 50,000 Federal Employees, Family Members Enrolled in HRA and HSA Plans
- Arkansas Reports Low Enrollment in First-Year HSA-Base Option
- Sandy City's Benefits CDH DVD Scores Two Thumbs Up
- City of Las Vegas Deals In Lumenos CDH Plan, Wins 60% Enrollment
Written For
CEOs, CFOs, product managers, marketing directors, benefits managers and others with a major stake in the success or failure of different types of new consumer-directed plans:
- Managed care and insurance companies
- Hospitals, physician groups and ancillary providers
- Employee benefit directors and human resource VPs
- Pharmaceutical companies and PBMs, IT vendors, VC and investment banking firms, and other vendors to health care organizations
International orders will be fulfilled in PDF format via email.
