Part of the problem with the rising cost of health care is a lack of understanding among employees that the cost of going to the doctor outstretches the co-payments they make, says Ernie Clevenger, founder of CareATC.He
sees the health care insurance business putting more of the cost in the hands of individual employees.
is a third-party health insurance claims administrator that contracts with physicians to visit its client companies on a weekly basis.
Alternatives to the standard brand health management organizations and preferred provider network packages are springing up in increasing numbers, says Clevenger
"It's (consumer-directed health plans) going to be a growing aspect within the industry and within five years, I think 90 percent of health plans will have some form of consumer-direct component to them," he
According to the Towers Perrin survey, cost-sharing on the part of employees in the form of higher contributions, deductibles and co-payments is a trend that will likely increase.
That's something that, realistically, had to happen sooner or later, Clevenger
"Look at the deductible employees pay today of $200 to $500 and compare that to what was paid in the 1960s.Using the Consumer Price Index for comparison, their share has gone down," he
says."I think it's a way for the employer to shift that in the other direction."