Consumer Driven Health Care. You hear this phrase on the tv, in the news, on the internet and even in the paper. But most people do not know what Consumer Driven Health Care is. Consumer Driven Health Care is a massive movement in our country that allows individuals and employees the opportunity to take control of their physical upkeep. Consumer Driven Health Care plans, in other words, are plans that allow you to have a say in what kind of care you get and how much you will pay. Consumer Driven Health Care is not insurance, but a plan that helps lower insurance premiums and accumulate health account balances. Many Consumer Driven Health Care plans offer major discounts for doctors visits, labs, dental, vision and even chiropractic services for a relatively small fee every month.

But why would buyers like you and me decide to use CDHPs? With the appearance of the Internet and the ease of access to medical information, patients no longer have to rely on doctors to answer every question they have. Patients can find many answers to questions that just a few years ago they could only ask their doctors about. Patients are highly educated about their ailments long before they go see a doctor. Information delivery has changed when it comes to medical information.

Another benefit that CDHP s offer to the average person is that they are offered the ability to make their own decisions about their own medical benefits. They make decisions on what are needed instead of the insurance companies deciding. Many times a physician will say that his or her patient needs a certain procedure but because of the high cost, the insurance company will not cover the cost. With CDHP s, the decision goes back to the patient and doctor.
CHHP s empower the common person, like you and I, to take responsibility for their medical care decisions and share in controlling costs.

Because of the high cost of premiums, most medical insurance companies do not offer extras such as Dental, Vision, Ancillary services, Prescription and Chiropractic without the employee paying high costs out of their everyday paycheck. But many CDHP s offer these services without the extra cost. They ask for a low monthly fee and the reduced costs are passed on to the buyer. Again, we make the decisions on what we pay for, not the insurance companies.

The challenge facing many companies, especially small ones with less than one hundred employees, is the high cost to their companies to offer insurance to their employees. Because of the challenge of rising health care costs many companies have searched for alternative ways to better control costs. Companies want to offer benefits to their employee, but because of the large costs that employers have to pay, many companies just cannot afford it.. But with the low costs of CDHP s many small companies are finally able to offer their hard working employees the benefits they need.

In conclusion, CDHP s are offering an alternative to the high costs of medical care for the average person. No longer do the insurance companies have the power over our medical care needs. We have the power in our hands to make decision about our medical needs. Empower yourself and give CDHP s a try. You will not regret it.

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