30 Second Insurance Tips©

Tip 97- Savvy Consumer Save

Studies confirm that people who are enrolled in Consumer Directed Health Plans (CDHP) make
sustainable and positive behavior changes leading to measurable spending reductions. On
average, CDHP members

  • were four percent more likely to take advantage of preventive services
  • reduced healthcare utilization by more than 12%
  • were 10% more likely to fill prescriptions with generics
  • spent 24% less on in‐patient hospital services and 8% less on outpatient care
  • had a 12% decrease in Emergency Room visits
  • in the aggregate, reduced by 11% combined medical and pharmacy spending.

The higher deductibles and cost sharing features of CDHPs are making a difference.