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Affordability

Affordability

CDPHP understands that it is not enough to provide quality health care services. To advance the health of our community in a meaningful way, those services must also be accessible and affordable. That conviction is the impetus for our efforts to facilitate wellness, improve the quality and coordination of care, manage disease, and educate our stakeholders. It is also the rationale behind our innovative product portfolio, flexible funding options, and workplace health promotion programs.

Savings from Enhanced Primary Care
In 2015, CDPHP announced the results of a study revealing that our Enhanced Primary Care (EPC) initiative – detailed earlier in this report – produced an impressive $20.7 million in savings the previous year, while improving the quality of care for hundreds of thousands of patients. The program has also resulted in advancements in our quality scores, which in EPC practices rose 6 percentage points (to 77 percent).

Health Funding Options
To ensure that members have access to the tools they need to manage their medical expenses and those of their families, CDPHP offers a variety of health funding options.  Members can choose from health reimbursement accounts (HRAs), flexible spending accounts (FSAs), and health savings accounts (HSAs), and CDPHP is committed to helping members discover the best option for their situation.

Managing Prescription Drug Costs
The cost of many prescription drugs is escalating at an unsustainable rate. This is true for specialty pharmaceuticals and generic drugs alike. While many important advances have been made, a life-saving drug that a patient can’t afford is of no value. That’s why CDPHP is advocating for cost transparency and calling on pharmaceutical companies to reveal how much they spend on lobbying, marketing, research, and administrative expenses.

CDPHP is also educating its members about strategies for reducing medication expenses and is urging them to take advantage of its Rx for Less program, which provides deep discounts on specific generic drugs when purchased at certain retail pharmacies and grocery stores.

Preventive Care
Since CDPHP was founded, preserving and improving the health of our members and preventing disease have been at the heart of our mission. We recognize that prevention efforts can have a profound impact, not only on health, but also on the cost of care.  That is why we continue to invest in and offer our members programs that advance these aims, including:

The Affordable Care Act and Health Reform
The Affordable Care Act (ACA) was designed to enhance the quality, coverage, and delivery of health care and to ensure that all Americans would have improved access to affordable care. To date, the law has been successful in expanding access to health care services, but has not addressed the affordability issue in a comprehensive manner. For that reason, CDPHP continues to advocate for government policies that reduce health care costs for consumers, level the playing field for insurers, and increase cost transparency. And, since some confusion still exists as to the full impact of this law, CDPHP has devoted a section of its website to explain the basics and complexities of the ACA and keep you informed of changes in the law as they arise. It’s part of our commitment to educate our stakeholders so that they can make the best decisions possible about health care coverage.

Health Care Decoded
At CDPHP, we believe in empowering our members to make informed decisions about their care and their health insurance plan. That’s why we’ve taken the basics of health care coverage and delivery and broken down these elements on our website to ensure that our members understand them and get the most from their health benefits. It’s what we call health care decoded. If you still have questions, consult our blogs, podcasts, or videos, or call the number on your member ID card.