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Health Plans Experiment with New Benefit Designs to Give Value
Bloomberg BNA Link to more items from this source
Aug. 20, 2014
"Health insurers offering plans in the [ACA] marketplaces are experimenting with new types of benefit designs aimed at giving consumers some value before subjecting them to deductibles or other cost-sharing requirements. But the benefit designs may confuse many consumers.... Some plans, dubbed 'doughnut hole' plans, require copayments before deductibles are met and coinsurance payments afterward ... Some plans require separate deductibles for drugs, or separate copayments for hospitalizations, which can be significant, ... [T]wo plans side by side [may] look like they have the same deductible. But one plan covers primary care services pre-deductible and the other plan, it's more of a traditional type where you have to pay everything out of pocket until the deductible is met."

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