This month, I want to cast doubt on another “tried-and-true” method of reducing costs — reducing benefits.
Often referred to as consumer-driven health care, this strategy has been in place for decades, generally as a last resort due to rising costs. Our industry has spun this as “engaging” the employee to be better stewards who have skin in the game. Let's examine the challenges.
First, it assumes a patient wants to be a consumer. Most simply do not or cannot. Often, they are faced with an emergency, or are insulted at being told to “challenge” the advice their trusted doctor provides.
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