Now employers are finding themselves between a rock and a hard place. The “Cadillac Healthcare Plans” are more and more expensive, and plans they can afford have a higher deductible than employees are used to, which can make for a challenging transition for employees. As a result, in an effort to help employees make the transition and manage their healthcare spending more effectively, employers are evaluating programs and other resources they can use.

Thankfully, there are numerous consumer-directed healthcare solutions employers can provide that will help employees address their important questions about managing their healthcare.

Do I really need to go to the emergency room for this? Because they are bearing more of the cost, employees are learning fast that ER visits can get very expensive. As a result, employees are reassessing whether going to the ER is necessary and whether there is a more cost-effective way to get care.

Answer: Online health tips, symptom checkers, and decision-support tools help employees make better decisions about whether their symptoms really require an ER visit or whether they can see a telemedicine doctor or PCP instead.

Is there a cheaper option for seeing a doctor? Due to the cost of healthcare and the high deductible, some employees are taking this a step further and aren’t even seeing a doctor when they get sick. Though this can cut down on healthcare costs in the short term, employees could stay sick longer and even pass the sickness onto coworkers.

Answer: With low cost telephonic visits with a physician, employees no longer have to make the tough choice of whether or not to see a doctor. They can cost-effectively get the care they need so they can heal faster and return back to work.

Can I get help making healthcare decisions for myself and my family? Beyond simply caring for themselves, more and more employees are also managing care for their children and parents. This group is known as the “sandwich generation” as mentioned in an article by These individuals find themselves under the stress of managing the care for their entire family.

Answer: Using healthcare advocacy services, employees can evaluate treatment costs, get help untangling claims & billing errors, and scheduling appointments with a specialist for themselves, their kids, and parents. This saves them stress and worry, allowing them to stay more focused at work.

How can I improve my health to lessen the impact of my condition and to prevent other conditions from developing? Because healthcare is expensive, employees are looking for ways to improve their health so they can minimize the effects of their condition on their health and their wallet. However, they’re also taking a more proactive approach to preventing new conditions from developing.

Answer: With health coaches, wellness programs and healthcare tips, employees can improve their health, lessen the impact of their condition, and prevent new conditions from developing.

Can I do all of the above on my mobile device? As mentioned in an article by, 37% of consumers are using a mobile phone to manage their healthcare benefits information, and this number is only increasing. As a result, employees not only need resources to manage their health and healthcare; they literally need that information at their fingertips and accessible from their mobile device.

Answer: Yes, all of the above can be done on a mobile device, and depending on the vendor you choose, all these activities can all be done from a single mobile app.

By complementing employee benefit plans with these types of resources, employers can help employees make the transition to a high deductible plan without breaking the bank. With these tools, employees can stay healthier, become better healthcare consumers, and manage their healthcare in a way that is convenient and much less stressful. And with that, employers are likely to see a more productive, engaged, and cost-conscious workforce.

For more information about HPS’ consumer-directed healthcare resources, contact our Sales Department.