Reducing Financial Barriers and Providing Positive Incentives

The first component of a VBBD strategy is to reduce financial barriers to high value services or provide positive incentives for making lifestyle changes. High value services are those that comparative evidence analyses have demonstrated to be effective in improving the health or well-being of an individual.
The most commonly used approaches to removing financial barriers currently used are –
 • reducing co-payment amounts for prescription drugs and equipment (e.g., glucose test strips and needles) used to treat a specific condition, such as diabetes;
• reducing co-payment amounts for specific prescription drugs or equipment used to treat a specific condition when the individual participates in a disease management  program;
• reducing co-payment amounts for office visits billed as wellness visits;
• modifying deductibles for completing a personal health assessment (PHA);
• modifying deductibles for participating in a disease management or wellness programs;
• modifying co-pays or deductibles for completing a shared decision tool before proceeding with preference-sensitive treatments, and
• reducing co-payment amounts for using high quality providers.
Beyond gift certificates and discounts for services or goods (which are structured independent of the insurance design), the most commonly used approaches to providing positive incentives for making lifestyle changes are –
• reducing premium contributions for completing a PHA;
• reducing premium contributions for smoking cessation;
• reducing premium contributions for participating in either a disease management or wellness program;
• making a contribution to an employee’s Health Savings Account (HSA) for completing a PHA, and
• making a contribution to an employee’s HSA for participating in a disease management or wellness program.
Extracted from: Value-Based Benefit Design: A Purchaser Guide, National Business Coalition on Health, http://vbidcenter.org/wp-content/uploads/2014/08/VBBDPurchaserGuide1.pdf
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