#1: People that enroll in CDHPs are already healthy.
Not true, in fact most enrollees have like health status as those in other traditional plans.
#2: Only high-earning incomes are good for CDHPs.
Every one enrolled will benefit from a tax-preferred health savings account. In addition, lower-income salaries actually benefit from the lower premiums that are associated with CDHPs.
#3: Most people on CDHP neglect their care due to expense.
This is not true. In fact, there are several studies that illustrate that people on CDHP ARE more likely to take a proactive approach to their healthcare needs. Note, that preventive care associated with a CDHP usually does NOT require a co-pay, and thus debunks this myth.
#4: CDHPs will not really help bend the healthcare trend.
The solution to the healthcare spending crisis in America rests with consumers—they have the ultimate voice. Until we engage, educate, and empower them, healthcare costs will continue to rise and the burden of treating preventable illnesses will continue to strain the system. Traditional health insurance options helped cause these problems, so how can we expect the same options to solve any of them? It’s time to let our healthcare dollars do the talking by choosing the appropriate CDHP solution and putting the power back where it belongs: in the hands of consumers.
#5: Healthcare is too confusing already; CDHPs do not help towards healthcare decision-making.
Continuing education is a significant component of the successful adoption of CDHP. The reasons for continuing education after implementation are countless and varied. Newly enrolled members are embarking on a different approach to healthcare, and even after coaching sessions and education meetings, expect a period of adjustment. As members begin to apply the theory they’ve learned in a classroom environment to their real health needs and expenses, they will encounter circumstances that don’t always fit into the mold of what they were taught.
#6: CDHPs won’t work, because people will not take the time to be informed consumers.
This is not true. Most studies regarding implementing a CDHP are illustrating that CDHP users are indeed taking charge of their personal health plan decisions and are more cognizant to both value and satisfaction from their health plan.
#7: CDHPs will create animosity between members and health professionals.
Actually, the Doctor-patient relationship becomes more solidified. The CDHP user is not confined to a particular plan and is afforded more flexibility to seek services, as the patient is in charge of the financial decisions.
#8: My CDHP requires me to pay out-of-pocket for everything.
While it is true you must meet your deductible before the plan pays for all eligible services, preventive care visits are usually covered 100% of the time, regardless of deductible limit.