1. Consumer-Driven Health Plans
Consumer-driven health plans (CDHPs) strive to control costs and improve quality of care by requiring consumers to take control of their own healthcare decisions. Consumers decide how they want to spend their healthcare dollars, depending on what is important to them. CDHPs are geared to encourage participants to enroll in some type of wellness program and improve their lifestyles. Specific types of CDHPs are health reimbursement accounts, flexible spending accounts, and health savings accounts.
However, there are concerns about CDHPs. The consumer may neither understand nor have the education and the tools to manage his or her own healthcare appropriately. This may have long-term ramifications on the whole healthcare system and whether CDHPs can be successful for both the consumer, the employer, the physician, and the healthcare facilities, as well as the insurers. Are CDHPs more geared toward the healthier and younger population? Are they effective for patients with chronic illnesses? Will they discourage the use preventative care and cause increase healthcare costs in the future? Examine these questions and more in your analysis.
This week, in a 1–2-page document, summarize of the history of when, how, and why CDHPs were developed. Define health savings accounts, health reimbursement accounts, and flexible spending accounts.
2. Managed Care
In the U.S., managed care is becoming an increasingly popular method of administering healthcare. It influences the clinical behavior of providers, as it combines the payment and delivery of healthcare into a single system, the purpose of which is to control the cost, quality, and access of healthcare services for a single bracket of health plan enrollees. Yet managed care often evokes strong or negative reactions from healthcare providers because they are paid a fixed amount for treating their patients, regardless of the actually cost, which may influence their level of efficiency. This can challenge the relationships between doctors and patients.
Research managed care’s inception, and study some examples. Be sure to investigate the perspectives about managed care from the vantage of both healthcare providers and patients. What are the positive and negative aspects of managed care? Analyze the benefits and the risks for both providers and patients, and how providers should choose among managed care contracts. Conclude with your analysis and recommendations for managed care health plans.
This week, summarize the history of managed care, and when, how, and why it was developed. What are the provisions of managed care? Complete your summary in 1–2 pages.