Table 1. Types of Consumer Financial Incentives Consumer Financial Incentives: A Decision Guide for Purchasers Goal of incentiveDecision timingHealth statusExamplesSelect a high value health plan or provider networkDuring open enrollmentDistribution between the healthy and ill reflecting underlying enrollee populationPremium-tiered health plans.Select a high value providerVaries—usually at the point-of-carePatient is usually ill or needing servicePoint-of-care tiered health plans.High-deductible health plans with savings account options.Select a high value treatment optionAt the point-of-careUsually when the patient becomes ill, sometimes beforeTiered drug benefits.High-deductible health plans with savings account options.Consumer incentives for disease management.Consumer incentives for preventive care.Reduce health risks by seeking careOngoingVaries—the patient has a high-risk conditionConsumer incentives to comply with recommended care (e.g., prenatal care).Reduce health risk by changing lifestyleOngoingVaries—the patient has a lifestyle factor that increases health risksConsumer incentives to encourage certain health behaviors (e.g., smoking cessation, weight loss). Current as of November 2007 Internet Citation: Table 1. Types of Consumer Financial Incentives: Consumer Financial Incentives: A Decision Guide for Purchasers. November 2007. Agency for Healthcare Research and Quality, Rockville, MD. http://www.ahrq.gov/professionals/quality-patient-safety/quality-resources/value/incentives/incenttab1.html
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