Assignment 2: Dropbox Assignment CDHPs A new type of
third-party-reimbursement healthcare payment plan is emerging in
the United States. CDHPs strive to control costs and improve
quality of care by requiring consumers to take control of their own
healthcare decisions. Consumers decide how they want to spend their
healthcare dollars, depending on what is important to them. CDHPs
are geared to encourage participants to enroll in some type of
wellness program and improve their lifestyles. Specific types of
CDHPs are health reimbursement accounts (HRA), flexible spending
accounts (FSA), and health savings accounts (HSA). However, there
are concerns about CDHPs. The consumer may neither understand nor
have the education and the tools to manage his or her own
healthcare appropriately. This may have long-term ramifications on
the whole healthcare system and whether CDHPs can be successful for
the consumer, the employer, the physician, and the healthcare
facilities, as well as the insurers. Answer the following questions
in regard to this development: • Are CDHPs more geared toward the
healthier and younger population? • Are they effective for patients
with chronic illnesses? • Will they discourage the use of
preventative care and cause increased healthcare costs in the
future? After examining the above questions in your analysis, work
around the following instructions and create a 8- to 10-page
Microsft Word document: • Summarize the history of when, how, and
why CDHPs were developed. • Explain HSA, HRA, and FSA with
examples. • Examine different segments of the population. Describe
which socioeconomic group is likely to benefit the most from CDHPs.
• Explain the types of incentives to providers for efficiency in
the delivery of healthcare services. Explain who bears the
financial risk—the provider, the patient, or the CDHP. • Offer your
recommendations for patients considering a CDHP, including which
types are appropriate for which patients. Include your
recommendations for each, to accept or decline, and also include
your rationale behind such recommendations.
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