Consumer-Directed Health Plans: New Evidence on Spending and Utilization
This study examined three-year spending and utilization trends associated with enrollment in a consumer-directed health plan (CDHP) offered by a large employer alongside a preferred provider organization (PPO) and a point-of-service (POS) plan. The CDHP cohort spent considerably more money on hospit...
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| Main Authors: | , , |
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| Format: | Book |
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SAGE Publishing,
2007-02-01T00:00:00Z.
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| Online Access: | Connect to this object online. |
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| Summary: | This study examined three-year spending and utilization trends associated with enrollment in a consumer-directed health plan (CDHP) offered by a large employer alongside a preferred provider organization (PPO) and a point-of-service (POS) plan. The CDHP cohort spent considerably more money on hospital care than the POS cohort. Results found evidence of pent-up demand in the CDHP, but not enough to explain the spending trend. Lower prescription drug spending-where the CDHP modestly controlled allowable costs-was associated with less hospital and emergency room use in following periods. Findings suggest the CDHP had too little out-of-pocket cost-sharing to control medical spending. |
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| Item Description: | 0046-9580 10.5034/inquiryjrnl_44.1.26 |