Titlebook: Containing Health Benefit Costs; The Self-Insurance O Richard H. Egdahl,Diana Chapman Walsh Book 1979 Springer-Verlag New York Inc. 1979 Fi

幾何學(xué)家

Ueber Anstalts- und Hauskl?ranlagenpackage. Even though health benefit costs are pretax dollars, they are now such a significant percentage of total compensation costs that corporate management must critically examine them and determine whether there are better ways to purchase a given level of benefit.

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,Die Ver?nderungen des Sehnerven,gements that were nearly universal twenty years ago—conventional insurance coverage with the carrier holding full reserves and administering the plan—have given way to a wide range of alternatives. “Conventional insurance” is no longer the norm.

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,Frühere Befunde von exsudativen Prozessen,k, holding full reserves, and administering the claims, to an entirely uninsured or self-insured plan, where the employer or union assumes all these functions. Between the two poles lies a wide spectrum of possibilities and hybrids, most developed within the past fifteen years.

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,Die Ver?nderungen des Sehnerven,itical bulk hidden below the surface. In recent years, benefits managers have begun to reorient their attention from the administrative costs to the less obvious but much larger cost-saving potential represented in incurred claims. This shift is occurring because of the variable but shrinking and in

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,Die Ver?nderungen des Sehnerven,he AT&T plans, underwritten by Blue Cross-Blue Shield and other insurance carriers, cover some three million people, including roughly one million employees and retirees, and their dependents. Health insurance now represents some 5 percent of total payroll, or $750 million, compared to only 1.5 perc

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,Frühere Befunde von exsudativen Prozessen,d States health spending currently exceeds $160 billion annually and is increasing by 15 percent every year. In five years it will double. The private sector has an enormous stake in the problem: of the current $160 billion figure, we expend about $100 billion. It is evident that we in the private s

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,Frühere Befunde von exsudativen Prozessen,has perhaps more opportunity to control health care costs than many employers. First, we have a large number of United States employees and retirees, currently totalling 56,000; with dependents, the covered group totals some 150,000 people. Second, our covered population is concentrated in small geo