Your company may implement a consumer-driven health plan (CDHP) in order to save on health care costs and give your employees more flexibility in medical care. However, your employees might be unsure about how this plan works — and confusion can be a huge roadblock to employee adoption. Here are a few tips on how you can help overcome this barrier.
Explain the Benefits Simply and Clearly
Employees may be confused about what a consumer-driven health plan entails, so clearly point out the benefits they’ll receive. This can include:
- Explaining that a CDHP is similar to a PPO. This will alleviate their concerns that a consumer-driven health plan might not have the same large network of providers as their PPO.
- Explaining how CDHPs offer flexibility. An employee can choose to spend his health savings account on qualified expenses or save for the future. This provides more options to employees who don’t expect to need their full deductible in a year.
- Illustrating other positive but little-known aspects. A CDHP may offer employees a chance to lower their out of pocket costs by participating in healthy activities. For example, the plan might let employees lower their deductibles, or provide a deposit into their HSA, if they complete an online health assessment or take part in a wellness program.
Use a Variety of Mediums Creatively
Don’t limit yourself to just one method of teaching your employees about CDHPs. Instead, offer an educational tool that caters to each employee’s preferred method of learning. Offer group meetings and one-on-one sessions so employees can ask detailed questions without intimidation. Send information via email and print brochures.
Make sure you present the information creatively. CDHPs may seem boring and hard to grasp for employees when taught traditionally. Use humorous stories and even funny videos to help your staff remember the important points.
Introduce Familiar Examples and Simple Analogies
When you start talking about how HSAs interact with taxes, you may see your employees’ eyes glazing over. Instead, use engaging tools they can relate to. For example, compare premiums and deductibles — concepts employees are already familiar with. Use a hypothetical person in a familiar scenario to illustrate how the plan works, such as a doctor’s appointment or a health screening.
Create Engaging Graphics
Because CDHPs can be tougher than other health plans to grasp, use bright infographics and charts to help employees visualize complex data. A clear, engaging graphic can communicate a complex concept much better than a wall of text.
In summary, don’t rely on boring, traditional brochures and large meetings to communicate complex CDHPs. Instead, focus on familiar concepts with the aid of engaging graphics to keep your staff interested. This will help them overcome the barrier to adopting a new type of health plan.
Stephanie Dwilson has extensive experience providing expertise on topics including health, law and marketing. She’s a science journalist published by Fox News, a marketing expert and an attorney with expertise in personal injury law. She’s also a small business expert featured by Businessweek and Millionaire Blueprints magazine and has worked as a marketing consultant for ministries and as a PR lead for one of the largest churches in America.