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Agenda and Presentations: Consumer-Driven Health Care: Evidence from the Field

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Webcast & Transcript
(Provided by the Kaiser Family Foundation)

8:00 - 8:45 a.m.
Registration and Continental Breakfast

8:45 - 9:00 a.m.
Welcome and Purpose of Meeting

Presenters:
Nancy L. Barrand
The Robert Wood Johnson Foundation

Karen Davis, Ph.D.
The Commonwealth Fund

9:00 - 10:30 a.m.
Employers' Adoption of Consumer-Driven Health Plans

Moderator: Jennifer N. Edwards, Dr.P.H., The Commonwealth Fund

Presenters:
Jon Gabel
Health Research and Educational Trust

Meredith B. Rosenthal, Ph.D.
Harvard University
Presentation Slides

Reactors:
Roger Chizek
Medtronic, Inc.
Presentation Slides

Peter Hayes
Hannaford Brothers Company
Presentation Slides

Jennifer Edwards will set the context for the day's discussion by describing the types of products encompassed by the phrase "consumer-directed health care." The presenters will give participants a sense of how widespread use of consumer-driven health plans is, including the variety of products on the market and employers' perceptions of and openness to these plans. Rosenthal's presentation will describe the enrollment in and features of these plans. Gabel will describe what employers think about consumer-driven health care and how likely they are to begin offering such benefits to employees. Chizek and Hayes will describe their decision process on offering consumer-driven health plans. The remaining time will be available for questions from audience participants.

10:30 - 10:45 a.m.
Break

10:45 a.m. - 12:00 p.m.
Risk Selection: Who Chooses Consumer-Directed Health Care?

Moderator: Anne K. Gauthier, AcademyHealth

Presenters:
Roger Feldman, Ph.D.
University of Minnesota
Presentation Slides

Laura Tollen
Kaiser Permanente Institute for Health Policy
Presentation Slides

Reactors:
Stephen H. Bandeian, M.D., J.D.
MAMSI Health Plans
Presentation Slides

Terry Jayne
Group Health Cooperative
Presentation Slides

The presenters will describe the experience of employers in offering a consumer-driven health product in terms of which employees choose consumer-driven health. Feldman will highlight data on the health status and plan selection of employees of six large employers offering Definity. Tollen will illustrate Humana's experience in offering a consumer-driven health product to its employees. Specifically, they will discuss the demographic and risk profiles for those enrolled in the consumer-directed health plan and those enrolled in more traditional insurance products. Bandeian and Jayne will describe risk selection from their health plans' perspectives. The remaining time will be available for questions.

12:00 - 12:45 p.m.
Lunch

12:45 - 2:00 p.m.
Consumers' Experience

Moderator: Kathryn E. Martin, AcademyHealth

Presenters:
Jon B. Christianson, Ph.D.
University of Minnesota
Presentation Slides

Jinnet B. Fowles, Ph.D.
Park Nicollet Institute
Presentation Slides

Reactors:
Judith H. Hibbard, Dr. P.H.
University of Oregon
Presentation Slides

David J. Lansky, Ph.D.
FACCT
Presentation Slides

This session will highlight employees' experience with consumer-driven products, including the rationale for their choice, their satisfaction with the choice, and how they were able to navigate the plan. Fowles will describe the experience of Humana's employees when the insurer introduced a set of consumer-driven health options for their own employees. Christianson will summarize consumer survey data about their experience of the University of Minnesota's employees, including the aspects of the consumer-driven plan they like, those they do not, and whether the plan met their expectations. Hibbard and Lansky will describe consumers' experiences as they work within a consumer-driven health plan from their perspectives, including the use of decision support tools and how consumer-driven health plans can help employees become more empowered consumers of health care. The remaining time will be available for questions from audience participants.

2:00 - 2:15 p.m.
Break

2:15 - 3:15 p.m. 
Evidence about Utilization, Spending, and Cost

Moderator: Thomas H. Rice, Ph.D., UCLA

Presenters:
Stephen T. Parente, Ph.D.
University of Minnesota
Presentation Slides

Reactors:
Regina Levin
DefinityHealth

John M. Bertko, FSA
Humana, Inc.
Presentation Slides

This session will highlight the experience of employers and employees with respect to utilization, spending, and costs. Parente will examine whether the patterns of service use and medical care costs change for enrollees in consumer-driven health plans after enrollment and will compare the costs and utilization between enrollees in the consumer-driven health plan and more traditional insurance plans. Bertko and Levin will share their perspectives on the effect of consumer-driven plans on utilization, spending, and costs. The remaining time will be available for questions from audience participants.

3:15 - 3:30 p.m.
Break

3:30 - 4:30 p.m.
Implications: Good News? Bad News?

Moderator: Susan Dentzer, News Hour with Jim Lehrer

Panelists:
Karen Davis, Ph.D.
The Commonwealth Fund

Paul B. Ginsburg, Ph.D.
Center for Studying Health System Change

Mark V. Pauly, Ph.D.
University of Pennsylvania

Gerald Shea
AFL-CIO

Robert Stevens
Ridgeview Medical Center

Panelists will discuss the strengths and weaknesses of consumer-driven health plans in light of the research findings described earlier in the day. The last half hour of this session will be reserved for audience questions.

4:35 p.m.
Adjourn
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