| Consumer Driven Health Care. You hear this | | | | will not cover the cost. With CDHP's, the decision |
| phrase on the tv, in the news, on the internet and | | | | goes back to the patient and doctor. CHHP's |
| even in the paper. But most people do not know | | | | empower the common person, like you and I, to |
| what Consumer Driven Health Care is. Consumer | | | | take responsibility for their medical care decisions |
| Driven Health Care is a massive movement in our | | | | and share in controlling costs. |
| country that allows individuals and employees the | | | | Because of the high cost of premiums, most |
| opportunity to take control of their physical | | | | medical insurance companies do not offer extras |
| upkeep. Consumer Driven Health Care plans, in | | | | such as Dental, Vision, Ancillary services, |
| other words, are plans that allow you to have a | | | | Prescription and Chiropractic without the employee |
| say in what kind of care you get and how much | | | | paying high costs out of their everyday paycheck. |
| you will pay. Consumer Driven Health Care is not | | | | But many CDHP's offer these services without |
| insurance, but a plan that helps lower insurance | | | | the extra cost. They ask for a low monthly fee |
| premiums and accumulate health account balances. | | | | and the reduced costs are passed on to the |
| Many Consumer Driven Health Care plans offer | | | | buyer. Again, we make the decisions on what we |
| major discounts for doctors visits, labs, dental, | | | | pay for, not the insurance companies. |
| vision and even chiropractic services for a | | | | The challenge facing many companies, especially |
| relatively small fee every month. | | | | small ones with less than one hundred employees, |
| But why would buyers like you and me decide to | | | | is the high cost to their companies to offer |
| use CDHPs? With the appearance of the Internet | | | | insurance to their employees. Because of the |
| and the ease of access to medical information, | | | | challenge of rising health care costs many |
| patients no longer have to rely on doctors to | | | | companies have searched for alternative ways to |
| answer every question they have. Patients can | | | | better control costs. Companies want to offer |
| find many answers to questions that just a few | | | | benefits to their employee, but because of the |
| years ago they could only ask their doctors about. | | | | large costs that employers have to pay, many |
| Patients are highly educated about their ailments | | | | companies just cannot afford it.. But with the low |
| long before they go see a doctor. Information | | | | costs of CDHP's many small companies are finally |
| delivery has changed when it comes to medical | | | | able to offer their hard working employees the |
| information. | | | | benefits they need. |
| Another benefit that CDHP's offer to the average | | | | In conclusion, CDHP's are offering an alternative to |
| person is that they are offered the ability to | | | | the high costs of medical care for the average |
| make their own decisions about their own medical | | | | person. No longer do the insurance companies |
| benefits. They make decisions on what are | | | | have the power over our medical care needs. We |
| needed instead of the insurance companies | | | | have the power in our hands to make decision |
| deciding. Many times a physician will say that his or | | | | about our medical needs. Empower yourself and |
| her patient needs a certain procedure but | | | | give CDHP's a try. You will not regret it. |
| because of the high cost, the insurance company | | | | |