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What is consumer-driven health care? Will it help you keep the firm’s costs down and how will you measure improvement in costs? Will it help employees keep their costs down? What are the advantages and disadvantages to your employees and the firm? Is there a dark side to your employees and the firm? Does your health care benefits program emphasize the benefits to the employee or to the firm’s bottom line?

Every month, new studies indicate that more and more employers are adopting Consumer-Driven Healthcare plans, including Health Reimbursement Accounts (HRAs) and High Deductible Health Plans, in conjunction with a Health Savings Account (HSA). In this program you will learn:

• The details of an HRA and an HSA
• The advantages and disadvantages, the limits and restrictions, and the risks of each plan
• The responsibilities placed on employees — and how important they are to understand
• The potential benefit to the firm and how to measure it
• The potential benefit to the employee and how to measure it
• The dark side of a consumerism approach
• How HRAs and HSAs fit into an administrator’s strategic plans for strengthening the firm’s growth — not just financially, but also with its most important assets, its employees

Administrators who define a strategy that encompasses the full spectrum of consumer-driven programs will attain far better results than those who use a piecemeal approach.

Speaker:
Debra C. Flynn is the Vice President for Sales at CIGNA Healthcare IL and has worked in the benefits industry for more than 25 years. Prior to joining CIGNA, Flynn was a senior vice president and business leader in Aon Consulting’s Los Angeles, California, office. Prior to joining Aon, Flynn was a client of Aon Consulting while managing the business benefits functions for a large Chicago-based law firm and for a national Taft-Hartley fund.