Making sure employees understand their benefits has always been critical. When you're talking about high-deductible health plans (HDHPs), the stakes are even higher, because employees are often drawn to the lower deductibles these plans offer and fail to prepare for their initial higher outlay. Employers who want to contain costs and create health care consumers need to make their own higher initial outlay in the form of communication, training and tools.
context has developed a suite of tools to help you introduce an HDHP or boost interest and enrollment in an available one. Individually, each tool ensures that your employees understand the intricacies of these plans. Collectively, they actively engage your employees in the process of choosing and using an HDHP.
Interactive health game
This award-winning game is an animated choose-your-own-adventure novel with a health twist. Employees choose from five separate characters and decide what happens to them. For example, they can choose to become Shawn, a 14-year-old middle school athlete with asthma. Does Shawn have an asthma attack on the football field? The employee decides. Does he have his inhaler? Again, the employee decides. At the end of each scenario, employees test their knowledge of how your plan works by figuring out who pays for the health care their character received. Game content is customizable.
Plain talk/plan talk video
This video's modeled after the popular "Common Craft" approach to making the difficult-to-understand more accessible. Using very simple terms and supporting animation, this two-minute video explains to your employees what a high-deductible health plan is and touches on its key features, such as the lower premium, higher deductible, and a health reimbursement arrangement or health savings account. The video also highlights important steps to ensure that your employees make the most of the plan's design.