Milliman consultants have been designing consumer-driven health plans for our clients since 1996 and we have remained at the forefront of this work for more than a decade. Consumer Driven Rating Tool™ (CDRT™) is a set of proprietary methodologies used by Milliman consultants in client engagements. The tool predicts the utilization and cost of consumer-driven healthcare plans for employers and prices these plans for insurers. Our tool is based on our experience as early innovators in developing consumer-driven health plans and the same commitment to deep, exhaustive research that has made our Health Cost Guidelines™ an industry standard for more than half a century.

We model greater complexities with fewer complications

Milliman consultants have developed CDRT to account for the additional variables needed to generate reliable forecasts for these new plans. Because consumer-driven plans depend on participants to set aside money in savings accounts and are usually offered as alternatives to traditional plans, their costs rely on two additional variables: how much participants save and how many choose the consumer-driven plan. The total cost of a consumer-driven health plan also depends on how adding the plan changes the membership and utilization of other plans. CDRT accounts for these variables as well as the client-specific situation, including current benefit programs, employee demographics, and contribution levels.