Audio CD and written materials of AIS's audioconference on November 10, 2004

Plan Design for Consumer-Directed Health Care: Employer Roundtable on Success Factors and Pitfalls

Learn which plan design factors are critical to the success of consumer-directed health plans, and where other employers have experienced difficulties you can avoid.

Sponsored by Atlantic Information Services, Inc., publishers of Inside Consumer-Directed Care, Managed Care Week and Consumer-Directed Health Care Facts, Trends and Data.

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Successful consumer-driven health plans involve much more than just pairing a health reimbursement arrangement (HRA) with a high-deductible PPO. Myriad decisions go into building a plan that will reduce costs and lead to a change in employee behavior.

Listen to a candid discussion of CDH plan design elements. You'll hear directly from three employee benefits leaders who helped design and implement successful CDH strategies. You'll learn from first-hand experiences what works in benefit design ... and what pitfalls you need to avoid.

The audioconference features three employers:

#1 Whirlpool Corp.: As of Jan. 1, more than half of this company's 21,500 insurance-eligible employees will be enrolled in one of two optional CDH plans from Definity Health. The company uses four salary tiers to determine how much each employee pays for premiums.

#2 Apogee Enterprises Inc.: This 4,000-employee manufacturing company dumped all of its existing health plans in favor of a full-replacement CDH plan from Aetna, Inc. Integration of a flexible spending account has offset concerns over the high deductible.

#3 City of Las Vegas: More than 60% of Las Vegas's 2,100 insurance-eligible city employees are enrolled in a Lumenos CDH plan. Employees can earn additional HRA dollars by participating in a health risk assessment.

• HRA contributions: How much of the deductible should be covered by an HRA? If the bridge is too small, employee behavior is less likely to change.
• Setting deductibles and premiums: What are the advantages of offering both a low- and high-deductible CDH plan?
• Preventive care: Is $400 a year per person enough for preventive care?
• Debit cards: How employees can use a single debit card to access FSA and HRA funds at the point of service.
• Out-of-pocket expenses: Where should out-of-pocket costs be capped to compete against other health plans?
• Coverage: Should the HRA be limited to traditionally covered medical expenses or expanded to include such services as Lasik surgery and orthodontics?
• Should pharmaceuticals be covered by the HRA, or carved out? What is the best reimbursement mechanism?

• Managed care and insurance company —
  • CEOs and CFOs
  • Product managers
  • Business development directors
  • Marketing VPs
  • Market research managers and analysts
• Insurance brokers and sales staff
• Employee benefits directors
• Marketing directors at consumer-directed health (CDH) plans
• CDH related companies and vendors
• Human resources directors, VPs and CFOs at large employers
• Investment banking and venture capital executives
• Attorneys and consultants
• Actuaries

*Please note that shipping of CDs and materials will begin within three weeks of the conference.

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