Consumer-Driven Health Plans: How do consumer-driven health plans work for different sections of the population? Which socioeconomic group is likely to benefit the most? Consider the following sections of the population: Low-income versus high-income; Well versus unwell (people with chronic conditions and high costs of care) ; Employed, self-employed, unemployed.
Managed Care: Healthcare maintenance organizations (HMOs) are the most prevalent type of Managed Care. Explain the positive benefits and negative aspects, respectively, of HMO managed care from the provider's point of view, a physician and a healthcare facility, and from a patient's point of view.
The socioeconomic group that is most likely to benefit from a CDHP would be individuals that are (1) willing to take control of their heath and (2) able to help fund any necessary HSA accounts associated with the CDHP. Almost all CDHPs go along with an HSA and the employer makes contributions, however the employee can freely contribute up to $3,100 for an individual plan as well.
The high-income population would be better served by a CDHP compared to the low-income population because on average, those with higher incomes are able to take better charge of their health care. This is why numerous studies have found a relationship between low-income populations and treatable diseases like obesity and high blood pressure. One of the main reasons cited is that people in lower income groups are less able to provide themselves with things that improve their health status, like joining gyms or shopping at farmer's markets for fresh foods, when compared to the higher income population (Natural Health Dossier, 2011). In addition, the higher income population is ...
The solution discusses consumer-driven health plans and managed care.