HRAs are great, as long as they are used in a proper manner.
The premise behind the CDH acronym family (HRA, HDHP and HSA) was to change the patient's behavior from an inefficient "all you can eat buffet" mentality of health care consumption to a more efficient "use what you really need" attitude.
Certainly the HSA and traditional "front end" HRA paired with a no-co-pay plan accomplishes this (assuming a reasonable cost-sharing level in the deductible). However, what exactly does a higher deductible plan, with co-pays with a "back end" HRA, accomplish?
Continue Reading for Free
Register and gain access to:
- Breaking benefits news and analysis, on-site and via our newsletters and custom alerts
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the property casualty insurance and financial advisory markets on our other ALM sites, PropertyCasualty360 and ThinkAdvisor
Already have an account? Sign In Now
© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
