Kelly Peter M
Benefits Q. 2003;19(3):32-50.
Defined contribution or consumer-driven health approaches will shift to employees not just the risks and rewards of the managed care system, but also decisions that will determine whether that system can survive. This article reviews the current state of the employer-sponsored health care system, describes defined contribution and consumer-driven health plan concepts, and outlines the approaches and steps employers can take to implement them. The author argues that, if fully implemented, such approaches could salvage the embattled managed care system by giving employees a financial stake in controlling medical costs while educating them to wisely take control of health plan spending decisions.
定额供款或消费者驱动型的医疗保健方式不仅会将管理式医疗系统的风险和回报转移给员工，还会将那些决定该系统能否存续的决策权也转移给员工。本文回顾了雇主资助的医疗保健系统的现状，描述了定额供款和消费者驱动型健康计划的概念，并概述了雇主为实施这些计划可以采取的方法和步骤。作者认为，如果全面实施，这些方法可以挽救陷入困境的管理式医疗系统，让员工在控制医疗成本方面有经济利益，同时教育他们明智地掌控健康计划支出决策。
