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Embracing Opportunities & Challenges in 2005

by Ron Goldstein, CLU

Studies find that healthier, higher imcome imdividuals are more likely to enroll in a consumer-directed plan. The high-deductible, low-cost PPO products protect against major or catastrophic illness while giving individuals the tools to self-direct their own care as needed.

Comsumer-directed healthcare is a refreshing option for those who want hands-on involvement. Many feel that, if given the right informational tools, they are more suited to directing their healthcare than their employers. They also want to be able to choose the right doctor and benefit level.

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