"[1] The product is easy to use.... [2] The tool should allow people to understand their share of the cost, the total cost and spending and utilization to date.... [3] The product shows quality measures consumers care about, based on the latest information.... [4] The product lets people perform a side-by-side price and quality comparison.... [5] The tool helps people understand and identify value.... [6] The product should include information on pharmacy and ancillary services, as well as information to help older patients and those with chronic conditions.... [7] The tool should help consumers avoid unneeded care.... [8] The product should encourage people to use it.... [9] The product should integrate well with other products.... [10] The tool should give employers useful information about utilization and savings."  MORE >>