Consumer-Driven Health Care
Implications for Providers, Payers, and Policy-Makers
Chapter One
Fear and Loathing of Defined
Benefit Health Insurance
My heart sank when I spied the familiar large envelope, emblazoned with
Harvard's classic maroon and white colors, on my mail table. The words
"Benefit Selection" were gaily festooned on the face of the envelope, as
if it were an invitation to a party. But selecting benefits was no party.
Inside the envelope an ominously fat booklet listed the many benefits offered
by my employer, Harvard University: investment options for the money the University
and I were setting aside for my retirement and insurance choices for my
life, disability, teeth, and health.
Do not get me wrong: I do not dislike most of the benefit selection process.
For one thing, the process is easy, requiring o ... read full excerpt from Consumer-Driven Health Care: Implications for Providers, Payers, and Policy-Makers ebook
