High Deductibles: How Does That Get Us to Triple Aim?

This is one of the things that really makes me cranky:  high deductible health insurance plans.  Haven't we learned anything in the last 30 years?  Putting a big financial hurdle in front of healthcare consumers is the old indemnity trick that only makes sense in the short term.  But what about achieving the longer term Triple Aim?  Or does the prevalence of this type of benefit design now mean that, in our heart of hearts, our insurance companies really do not believe it?  Access to health care services means getting preventive care that avoids longer term higher costs for advanced health care problems.  As this article from Mondern Health Care points out, most consumers avoid the expenses of getting care when they have high deductibles, which means skimping on the type of things that will ultimately pay off in terms of health status and longer term health care costs.  But the short term premiums look better, and that is irresistible to so many employers.  

And when it comes to holding providers accountable for the quality of care being provided, including closing gaps on HEDIS measures, this deductible mechanism stands firmly in the way.  So why are we doing this?  

 

Kevin Mowll, Executive Director

RISE

 

http://www.modernhealthcare.com/article/20150211/blog/302119996?CSReferrer=comments

 


Tags: deductibles

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