By Mark S. Gaunya, Jennifer A. Borislow
American healthcare spending reached $2.4 trillion in 2008 and should exceed $4 trillion by means of 2018, with charges hovering at to 3 occasions the speed of inflation. conventional medical insurance suggestions have not simply didn't cease the bleeding they have additionally saved american citizens at midnight and robbed them of selection. everyone seems to be liable for a small a part of healthcare spending, and members have the ability to show the location round. Consumer-driven overall healthiness plans (CDHPs) positioned wisdom and gear again into people's palms. during this booklet, you will find: 3 CDHP rules and the way they interact to reduce coverage expenses and increase the wellbeing and fitness and healthiness of your staff potent step by step concepts for developing, imposing, and dealing with CDHPs on your office suggestions for development a tradition of healthiness and health that advantages each person instruments for reading and fine-tuning your wellbeing and fitness plan technique to maximize worker wellbeing, productiveness, and monetary reductions 12 months after 12 months Real-life case reviews that illustrate how CDHPs are a confirmed technique to emerging healthcare expenses
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Extra info for Bend the healthcare trend: how consumer-driven health & wellness plans lower insurance costs
Most treatments are medically necessary. But just as you shouldn't go to the plastic surgeon on a whim, you shouldn't go to the doctor every time you have the sniffles. Consumers have little control over some factors contributing to healthcare costs; however, we all have quite a bit of control over the lifestyle choices we make every day. , high fat, low fiber) High-risk recreational activity Ineffective stress management Tobacco use In turn, these poor lifestyle choices can lead to preventable chronic or life-threatening diseases such as diabetes, heart disease, cancers, and stroke.
If you're a member of a five-person family, you might consider a minivan. If you're single, a compact two-seater might be more your style. You'll also choose from the manufacturer's list of available options to customize your new car. If you live in an area that gets a lot of snow, you'll probably want a fourwheel drive vehicle. If you have young children, you might want a DVD player in the backseat. 44/407 Insurance plans, like vehicles, are made up of different options, so why wouldn't you want to choose one that addresses your group's specific health and budget concerns?
That, by the way, would be a very good thing. Charlie Baker 30/407 Former President and Chief Executive Officer Harvard Pilgrim Health Care Acknowledgments This book is twenty-one years in the making—a journey that started in healthcare, traveled through corporate America in insurance, and continues through employee benefits consulting. Somewhere in the midst of those collective experiences, I found my passion and a sense of purpose. As the son of Steve and Denise Gaunya (a physical therapist and nurse, respectively), I was introduced to the entrepreneurial world of being a healthcare provider.