Anthem Blue Cross 2005 Annual Report Download - page 22

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consumer-driven
health plans promote
active involvement
An independent national study has shown
that consumer-driven health plans are helping
people take more control of their health
and health care. The study compared those
covered by consumer-driven health plans
with a control group that had traditional
insurance.
The results suggested that Americans
covered by CDHPs are not only more likely
to compare costs, but also more likely to
practice healthy behaviors. With the right
information and incentives, Americans can
take more control of their health care costs,
and take better care of themselves.
reach uninsured Virginians. With options
available for less than $50 a month,
Essential KeyCare provides coverage of
physician office visits and generic drugs,
and offers protection against the high
cost of unexpected medical bills.
Our BeneFits portfolio (see pages 6-7)
makes it easier for small businesses in
California to offer coverage to their
employees. Employer contributions are
half of the industry average, and there are
coverage options for part-time employees.
To date, 84 percent of the groups buying
BeneFits plans were previously uninsured.
In 2005, Anthem Blue Cross and
Blue Shield in Colorado introduced
EmployeeElect plans for small business.
EmployeeElect allows employers to
choose one or more of 12 health plans,
allowing businesses to offer a package
of benefits that meets the diverse needs
of their workforce.
UniCare introduced BasicChoice,
lower-cost benefit plans that can expand
coverage for employees in the service
industry. These programs can supplement
existing offerings and give employers the
means to provide an affordable option to
employees who would not otherwise have
health care coverage.
We also continue to develop new
products for the growing senior market,
and beginning this year we offer
Medicare products in all 50 states,
WellPoint, Inc. 2005 Summary Annual Report
20
consumer-driven health plan (cdhp)behaviors
Source: McKinsey & Company, “Consumer-Directed Health Plan
Report — Early Evidence Is Promising,” June 2005. This study of
more than 2,500 adult Americans with varying types of commercial
health coverage included more than 1,000 consumers with
employer-based, full-replacement CDHPs, as well as a control
group that carried traditional insurance.
Among self-reported findings of more than
2,500 Americans, CDHP consumers were: