High-deductible and consumer-driven health plans are gaining ground at the state level, with five states adding them in 2010, according to The Segal Company's 2010 Study of State Employee Health Benefits. The number of states offering HDHPs/CDHPs now stands at 23. Other findings from the study include:
Almost all states (48) offer medical coverage through a preferred provider organization/point-of-service plan.
Over half (55%) of the states offer four or more coverage tiers.
Two-thirds of PPO/POS plans have annual deductibles of $500 or less.
Just over half (51%) of state plans have a generic prescription drug copayment of between $10 to $19 for retail purchases.
Copayments for formulary brand-name drugs are higher - ranging between $10 and $39.
Most states (47) offer a dental plan. Dental provider organizations are the most common plan type, offered by 35 states (69%).
Source: 2010 Study of State Employee Health Benefits, The Segal Company
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