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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 March 2004 MargaretAnn Cross	Consumer-Directed Plans Begin Measuring Patient Satisfaction Initial results are promising. Employees turn toward preventive medicine and away from expensive drug therapies.
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 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 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 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 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 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 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 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.
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 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 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 January 2006	Managed Care Outlook Two surveys point to growth for consumer-directed health plans.
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 July 2005 John A. Marcille	Talk About Consumer Plans Rapidly Becoming Reality After years of expectation and debate, consumer-directed health plans are all over the place.
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 October 2003 MargaretAnn Cross	Some HMOs See Dividends In Charging Deductibles This may be one way to regain profitability, though getting permission from government regulators may take some doing.
CFO February 1, 2008 Randy Myers	Rethinking Health Care Can more employee choice actually lower costs?
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
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.
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.
CFO August 1, 2003 Joseph McCafferty	Heal Thyself Consumer-directed health care is hot. But is it a danger to the medical-insurance system?
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 2003 John A. Marcille	How Should We Evaluate The New Insurance Models? Business people have to come up with new products, and in our part of the economy, the hot product is consumer-directed health care. Yet we all know that a product that is well promoted and superficially attractive is not necessarily good for us all, individually or collectively.
Entrepreneur June 2006 Mark Henricks	What's Up, Doc? Inflated health insurance prices are putting the squeeze on your budget, but are consumer-directed plans the way to go?
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.
Managed Care October 2005 MargaretAnn Cross	Just How Will CDHC Change Your Job? Medical directors are charged with many of the tasks that could help members make the most of consumer-directed health plans.
Managed Care August 2006	Slowdown in Premium Increase Expected to Continue Into 2007 The only thing falling in terms of health care costs seems to be the rate of increase of premiums - good news for employers and other purchasers.
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 December 2005	Pharmacy Cost Increases Below Medical for the First Time in Four Years According to a survey of 70 health care insurers, prescription costs are expected to increase at a lower rate than medical costs during the next 12 months.
Inc. June 2008	How To Choose A Health Care Plan: Finding the Right Plan Advice on what companies should consider when choosing a group heath plan.
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 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?
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 2002 Frank Diamond	Premium Hikes: No Cause for Celebration Lost market share and further erosion of public trust will be the long-term by-products of this short-term solution.
Managed Care April 2006 Patrick Mullen	A Conversation with Paul Fronstin, PhD: Current Crop of Consumer-Directed Plans More 'Lite' Than 'Heavy' Paul Fronstin, a senior research associate at the Employee Benefit Research Institute, speaks about Medicare, health benefit trends, and managed care.
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 February 2008 Lola Butcher	Wellness Programs: No Longer Just an Add-On In the face of stiff competition from a growing category of dedicated wellness companies, major health plans are launching sophisticated, ambitious programs to slake employers' thirst for these products
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 October 2004	Consumer-Directed Insurance Plans Problematic for Patients, Docs, HMOs New studies are finding wide variations of cost and quality across hospitals and physicians, yet few private insurers, managed care plans, or public programs reward superior quality or efficiency.
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 August 2004	Humana Thinks Premium Cap Sets Plan Apart The health plan hopes to gain a competitive edge by joining two important components of today's insurance -- consumer-directed health plans and information technology -- with a rare cap on premium hikes.
Managed Care November 2006 Lola Butcher	Manipulating Deductibles To Foster Healthful Behavior Increasing employee deductible levels to encourage workers to be better health care consumers has become old hat. But how about this: tying an employee's deductible level to health status?
Managed Care July 2006 Martin Sipkoff	Employers' Stock in Wellness Rises With No End in Sight Formerly, insurers used to devise new products and processes to attract purchasers. Now more and more employers are going to the plans and insisting on preventive care.
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 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 2002 Mick L. Diede & Richard Liliedahl	Getting on the Right Track Converging forces are an economic train wreck waiting to happen. Avoiding a disaster requires an understanding of the interconnection of health care's stakeholders and the global consequences of their actions...
Managed Care December 2006 MargaretAnn Cross	Confronting The Medicare Cost Shift Plans are increasingly concerned about the degree to which providers overcharge them to make up for losses from government programs.
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.