Health plan designers are starting to pollinate traditional managed care plans with consumer-driven health care concepts.
The result is a new breed of hybrid health plan that combines the strengths of traditional managed care plans and consumer-driven health plans.
Theoreticians may quibble about how to classify a health plan, but for employers and their benefits advisors the key question is a simple one: “How well will this health plan use technology and financial incentives to deliver the best possible health care at the lowest possible cost?”
Traditional managed care companies did a great job of identifying high-quality providers and encouraging plan members to get basic preventive care. But the companies also created a generation of consumers who think an office visit really costs $15.