0. 1954 Rand Corp Vision of the Home Computer

1. Mega Trends Personal Responsibility Self-Help, Self-Care
Individual Ownership
Portability
Transparency (the Right to Know)
Consumerism (Empowerment)

2. Healthcare Consumerism
Healthcare Consumerism is about transforming a health benefit plan into one that puts economic purchasing power—and decision-making—in the hands of participants.
It’s about supplying the information and decision support tools they need, along with financial incentives, rewards, and other benefits that encourage personal involvement in altering health and healthcare purchasing behaviors.

3. Two Basic Principles for Successful Consumerism
Must work for the Sickest Members, as well as the healthy
Must work for those not wanting to get involved in decision-making, as well as the “techies”

4. Behavioral Change and Cost Management Potential
The Evolution of Healthcare and Consumerism Future Generations of Consumer Directed Healthcare
2nd Generation
CDHC
Focus on
Behavior
Changes
Traditional
Plans
with
Consumer Information
1st Generation
CDHC
Focus on
Discretionary
Spending
4th Generation
CDHC
Personalized
Health &
Healthcare
3rd Generation
CDHC
Integrated
Health &
Performance
Traditional
Plans
Behavioral Change and Cost Management Potential
Low Impact High Impact

5. The Promises of Consumerism
Personal Accounts
The Promise of Demand Control & Savings
Wellness/Prevention
Early Intervention
The Promise of Wellness
Disease Management
The Promise of Health
Information
Decision Support
The Promise of Transparency
Incentives &
Rewards
The Promise of Shared Savings

6. A peek into the future of Consumerism
2nd Generation
CDHC
Focus on
Behavior
Changes
1st Generation
CDHC
Focus on
Discretionary
Spending
Summary –
A peek into the future of Consumerism
4th Generation
CDHC
Personalized
Health &
Healthcare
3rd Generation
CDHC
Integrated
Health &
Performance
Personal Accounts
Initial
Account Only
Activity & Compliance Rewards
Indiv. & Group Corporate Metric
Rewards
Specialized Accts,
Matching HRAs,
Expanded QME
100% Basic Preventive Care
Web-based behavior change support programs
Worksite wellness,
safety, stress & error reduction
Genomics, predictive modeling push technology
Information,
health coach
Compliance Awards, disease specific allowances
Population Mgmt, IHM, Integrated Back-to-Work
Wireless cyber –support, cultural DM, Holistic care
Passive Info Discretionary Expenses
Personal health mgmt, info with incentives to access
Health & performance info, integrated health work data
Arrive in time info and services, information therapy
Cash, tickets,
Trinkets
Zero balance acct, activity based incentives
Non-health corporate metric driven incentives
Personal development plan incentives, health status related
Wellness/Prevention
Early Intervention
Disease Management
Information
Decision Support
Incentives &
Rewards