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CDHP's assist in lowering medical expenses without compromising on care

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CDHPs assist in lowering medical expenses without compromising on care

CDHP's assist in lowering medical expenses without compromising on care

The CIGNA Consumer Driven Health Plans are found to be some of the best healthcare plans for people who want to avail quality care at lesser expenses. This is proved as per a study; the results and impacts of which are discussed in this article.

As per the CIGNA study (CIGNA is a reputed healthcare service providing company operating worldwide) it has been proved that CDHP's (Consumer Driven Health Plans) minimizes medical expenses up to 13% proportional to PPO and HMO programs. This is only possible with the CIGNA Choice Fund account based CDHP's. The customers of CDHP's are found to utilize other precautionary care services, in order to save the maximum possible amount of money. The study conducted this year in the month of January, also revealed that about 440,000 people are till now under the coverage of CIGNA CDHP's.

Depending on the gradual increment of healthcare expenses, the people of the country are left with no other choice but to utilize all the available services, with which they can cut down their medical expenses to an extent. But this does not mean that people should compromise on the quality of care they are receiving, when trying to lower their medical expenses. The study thus revealed that only the CIGNA account based CDHP's allows people to save on medical expenses, by availing the same or higher quality of medical care. Such a benefit wouldn't have been available with the usual healthcare plans.

Main results of the 2009 CIGNA Choice Fund Study

The study's chief results consist of the following:

  • Chronic Situations: For diabetic patients, the medical expenses reduced by 20% and for hypertension cases, the expenses dropped to 18%. All these patients were the customers of the CIGNA CDHP's. It would not have been possible if they would have the traditional healthcare plans. The customers of both the CIGNA CDHP'S and that of the traditional plans were subjected to the same kind of medical treatment and then the result was obtained. The reduction in medical expenses was mainly because of good chronic disease control, which was possible with the CIGNA CDHP'S.
  • Pharmacy: In the initial year, the pharmacy expense vogue was for people who were under the coverage of CIGNA Choice Fund programs and it was about 10% lesser than the conventional plan expenses vogue. Upon the utilization of generic drugs, the cost would have risen by 5% among people who were under the coverage of CIGNA CDHP'S.
  • General Medical Vogue: In the initial year, the standardized medical vogue for the CIGNA Choice Fund programs was -3.3 percent against 10.6% of the conventional plans. It has also been revealed by the study that the customers of CIGNA Choice Fund Plans kept on availing suggested care at agreed tariff, which were same or slightly improved than the customers who were subscribed to the conventional CIGNA healthcare programs.

Subscribing for the CIGNA CDHP'S allows customers to have better access to CIGNA's private medical counselors. Also they will have the facility of availing precautionary care services like health checkups, cancer screenings, enroll for the online healthcare feature of CIGNA, price and health development resources.

People are becoming more concerned about their healthcare

People who have joined in CIGNA Choice Funds went on availing suggested care at the similar or higher stages, in comparison to those people who purchased the conventional health plans. The precautionary care checkup rate for the customers of CIGNA Choice Fund was about 8% greater, when judged against the customers of the conventional plans. Even the precautionary care checkup rate for the renewal year of the CIGNA Choice Fund was about 15% greater, in comparison to the conventional healthcare plans.

Those people who newly registered with the CIGNA Choice Funds; the pharmacy expenses was about 10% lesser in comparison to those people who purchased the conventional plans. When evaluated against the last year, the rate of usage was found to be greater for the newly registered customers of the CIGNA Choice Funds, while the normal unit expenses came to be lesser.

People are logging online

The findings of the study displays that customers of the CIGNA plans are getting more concerned with their healthcare They are going online to avail more updates, resources and assistance from the official website of CIGNA, i.e. CIGNA.com. At present about 55,000 people stopover at CIGNA.com on daily basis to explore more information for taking care of their health. The advanced search engine- CIGNA Care Connections, allows the customers to search for the best standard of doctors and hospitals at pocket-friendly rates, compare the prices of branded and generic drugs from over 57,000 pharmacies from around the world. As days passes on it has been expected that healthcare awareness will have even more advancement.

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