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CDHP Motivated Fruitful Changes in Consumer's Attitude towards Health-Related Affairs

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CDHP Motivated Fruitful Changes in Consumers Attitude towards Health-Related Affairs

CDHP Motivated Fruitful Changes in Consumer's Attitude towards Health-Related Affairs

Customers of consumer-driven health plans or CDHP are much interested than the PPO enrollees in taking positive and more conversant verdicts regarding their health care related matters. They are more prone to make use of different precautionary health-care services than the common PPO enrollees.

UnitedHealth Group continued a research considering over 50,000 individuals, in 2006. The report of that research revealed that consumers connected to CDHPs or customer-driven health plans were more interested to enthusiastically participate in organizing their own health related affairs than that of the consumers of traditional health plans. Although the research model was small due to recently launched CDHPs but still it was the largest study conducted by the merchant that continued for 3 consecutive years. The study supported the fact that the active engagement and interest of customers helped expansion of health care system among individuals. It also supported customers' positive and lively attitude towards those plans devoid of any sort of reverse outcomes on health-related results.

Definity Health is a wholly subsidiary of UnitedHealth Group; the leader in consumer-oriented health-care projects and plans. According to the CEO of Definity Health, the report of the study actually strengthened the radical fact that consumerism came into pace by adding fuel to competently deliver prosperity and information to the consumers in order to let them take their own monetarily potent health decisions, intelligently and precisely.

The CDHP study endured from 2003 to 2005. It considered almost 15,000 PPO enrollees and around 40,000 consumers connected to HRA or Health Reimbursement Accounts to conduct the research. Then, it compared the information regarding operational inclination and expenditure collected from each group of people prior to put forward the report. UnitedHealth Group and Definity Health also conducted researches before this one. The earlier reports showed consumers of CDHP took greater interest for precautionary care plans instead of perusing for optional acute care plans. And, the latest study and information accumulated from the trial groups added support to those researches previously carried out by the merchants.

Some important conclusions from the latest research are mentioned below:

  • Decreased use of Acute Care Services: utilization of acute care services by CDHP enrollees decreased by 14%, in case of frequency of emergency stays and by 22% regarding hospitalization. And, both of them showed no sign of any sort of adverse outcomes. However, usage of those services by the PPO enrollees increased rapidly, every year.
  • Increased use of Preventive Care Services: during the time period; from 2003 to 2006, utilization of preventive care services wanted by consumers in CDHP increased by almost 5% than that of by PPO consumers.
  • Overall Outlays: considering the facts like different health conditions, different designs of the plan and different demographies; the overall costs for each PPO enrollees raised by 8% to 10%, throughout 2004 and 2005. While; the same declined by 3% to 5% among the CDHP members.
  • Decreased Utilization of Services for Chronic Illness: CDHP members suffering from chronic illness utilized acute services lesser than that used by the consumers of traditional health plans. The usage lowered by 12% for emergency visits and 8% for hospitalizations.

Although, not so distinctively but still these results sustained the fact which was also noticed by Definity Health; people were able enough to make more precise decisions regarding their health care matters when they are adequately equipped with necessary and useful health information. And, their decisions helped them to get the maximum benefits against minimum expenditure, as said by CEO of Definity Health. He also added that this positive outlook of the CDHP enrollees helped them to cut health-care and related expenses.


Advanced research operated by UnitedHealth Group showed that individuals connected to any of the HSAs were seriously saving money in their respective accounts even more than they previously accumulated; in order to handle entire unwanted and unforeseen health conditions, effortlessly.

A research was conducted on the basis of information and figures collected from almost 140,000 account holders with a Health Savings Account with Exante Bank; industry's leader in HSA administration. The study reported some important conclusions and those are:

  • Consumers were getting interested in accumulating more dollars in their HSAs for their future health care expenses. The statistics provided by Exante bank showed that there was an average balance of $ 1,114.00 deposited in HSAs, which were opened within the time period of January 2005 to March 2005.
  • Most of the companies provided endowment to their staffs' Health Savings Accounts. To be more precise; companies were backing their staffs by providing around 40% of their total health-insurance plan deductibles.
  • Most of the employees were found to be interested in opening their HSAs, when the respective employers put in financial supports to their employees' Health Savings Accounts.

Wendy's Restaurant chain started disbursing funding for their employees' HSAs in the year 2005. And, according to executive vice president of the company's HRA department said that by the end of 2005 they found that their staffs had saved almost $400, 0000 in total in their Health Savings Accounts. This figure was much higher than their actual expectation. He added that the amount they provided to their employees was actually the buck; they generally gave to the third-party payers who assisted to pay health insurance claims. Unlike others, they helped their staffs to manage their own health related affairs, conveniently.

As of 2006, there were over 1.76 million CDHP enrollees enrolled to the health plans offered by UnitedHealth Group. These plans are mostly linked to either an HSA or an HRA. The clientele included both the individual as well as commercial markets. Employers are also taking interest for CDHPs from UnitedHealth Group. By the end of 2005, there were over 15,000 companies enrolled to these health plans offered by UnitedHealth Group.

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