Initial experience with a first-to-market member accountability-based insurance product.
We describe the initial experience with a first-to-market health insurance product design based on principles of both member and purchaser accountability. Two benefit levels were offered, enhanced and standard. Qualification for the enhanced benefit level was obtained through members' commitment to follow their physicians' recommended treatment plan. Employers were offered a discount of 10% in exchange for offering this new product and promoting a healthy work environment. Membership in the product grew beyond expectations, and several health improvements were noted.
Woll
Douglas R
DR
Blue Cross Blue Shield of Michigan, Detroit, MI, USA. doug.woll@gmail.com
Nelson
David R
DR
D006279:Health Maintenance Organizations; D006293:Health Promotion; D006801:Humans; D019458:Insurance Coverage / Q000706:statistics & numerical data*; D007356:Insurance, Pharmaceutical Services / Q000191:economics* / Q000706:statistics & numerical data; D008019:Life Style; D040241:Social Marketing; D012941:Social Responsibility; D013997:Time Factors; D014481:United States; D016903:Drug Monitoring