Consumer-Driven Health Plans (CDHPs)
Lilly was an early leader in our industry for the introduction of CDHPs. Lilly introduced CDHPs for employees in 2008 and fully replaced our employee health plan options with CDHPs in 2010. Lilly’s current employee health plan options include a choice between a CDHP paired with a health savings account or a CDHP paired with a health reimbursement account.
Promoting Cost-Comparison Tools
Through our role on the Anthem Customer Advisory Group, Lilly has joined with other large companies to influence the continued development and refinement of Anthem’s cost-comparison tool. The tool allows individuals to compare an increasing number of procedures based on cost while also viewing quality information. The tool has continued to improve and a mobile version was recently launched.
Promoting Consumer Engagement
In our 2014 annual enrollment materials, Lilly included two full pages on the importance of health care consumerism. In this material, Lilly highlighted the cost comparison tool as well as the cost differentials of different urgent care options such as immediate care centers versus emergency rooms. Lilly’s employees were directed to tools that would allow them to identify a lower cost, conveniently located immediate care center. In a letter to my Lilly colleagues during the annual enrollment process, I shared, “By taking an active role in our own health — whether it’s as a smart consumer of medical services or enrolling in our Fit for Life benefit to stay in shape — we can help lower our collective costs.”
In 2014, Lilly implemented a radiology management program. This program includes not only clinical management — ensuring that the right level of care is being recommended based upon clinical circumstances, but also a consumerism component. When high cost differentials (based on radiology setting) exist for the cost of the chosen service, the program reaches out via phone to members to offer them the choice to reschedule at a nearby quality alternative at a much lower price.