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Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309048273
Category : Medical
Languages : en
Pages : 381
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Book Description
The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.
Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309048273
Category : Medical
Languages : en
Pages : 381
Get Book Here
Book Description
The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.
Author: Rebecca Mazin
Publisher: John Wiley & Sons
ISBN: 0470912448
Category : Business & Economics
Languages : en
Pages : 272
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Book Description
THE EMPLOYEE BENEFITS ANSWER BOOK This go-to resource contains the most reliable information needed to answer questions about employee benefits that arise in day-to-day business. Complex and ambiguous topics are illustrated with concrete examples that can help make informed, sound decisions, and ultimately, the ability to ask better questions. Written by Rebecca Mazin an expert in human resource policies and procedures the book addresses the most commonly asked benefits questions including: How many vacation days do employees get? What's the difference between a POS and an HSA? Is offering check-ups and eye exams enough? What's involved in flexible spending accounts? What do I need to know about 401(k) and Non-Qualified Plans? Do employees expect life insurance and disability? From EAP to concierge services, what else do employees want? How does COBRA work and what else do I need to do? What can employers do to rein in benefits costs? The book also highlights specific practice examples that are "worth repeating," or "better forgotten," and includes a wide-variety of checklists and charts. The Employee Benefits Answer Book is organized by topic and arranged in a question and answer format making it easy to zero in on a particular subject. Using this important book, employers can create coherent policies based on a clear understanding of all benefits.
Author: Donna Joseph
Publisher:
ISBN: 9780982620441
Category :
Languages : en
Pages : 124
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Book Description
Introducing 21 VOLUNTARY BENEFITS that can help every business and organization be a great place to work. Employees choose and buy these sought-after benefits-- ranging from Critical Illness to Pet Insurance to Identity Theft Protection. Our new book is a guide to 21 VOLUNTARY BENEFITS popular with employers and appreciated by employees. Are you an employer? Almost every day you're asking, how do I help my employees be less stressed and distracted at work? As competition for talent heats up, are you looking for ways employees will appreciate your business as an attractive place to work? And are you looking to increase productivity by having a more focused workforce? Innovative employers are finding answers by offering modern Voluntary Benefits. 21 VOLUNTARY BENEFITS shows you how. We've written an action-oriented guide to 21 of today's leading Voluntary Benefits. As bonuses, we've added chapters giving you keys to a successful Voluntary Benefits program and included a step-by-step checklist for launching your new Voluntary Benefits. Employers like you are learning that there are 21 Voluntary Benefits that can improve every employee benefits program without additional direct costs. We use our experience as employers to make sure this book is immediately helpful to you; this is THE book on Voluntary Benefits by employers for employers! Are you a benefits broker, consultant or product or service provider? You'll want to be the first in your market to read this book. Be ready to help employers looking to expand their menus of Voluntary Benefits. Here's a short sample of the 21 VOLUNTARY BENEFITS employees love! * Auto/Home Insurance * Critical Illness * Disability Insurance * Financial Education and Counseling * Identity Theft Protection * Legal Services * Pet Protection * Product Purchasing * Vision Care For all employers, this is the must-read book to gain a unique advantage in today's growing competition for the best talent. For all benefits vendors, this is the must-read book to better understand the employer's viewpoint on Voluntary Benefits.
Author: Alan Cohen
Publisher: FT Press
ISBN: 0134666275
Category : Business & Economics
Languages : en
Pages : 355
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Book Description
2018 International Book Awards Finalist in "Business and Management" Category We shop for everything else online...why not benefits? Using private benefit exchanges (a.k.a. “online benefits marketplaces”), employers can bring a consumer-centric online shopping experience to benefits. Alan Cohen, a benefits technology pioneer, details how these platforms can offer unprecedented flexibility and choice to employees, revolutionize the way employers attract and retain talent, strengthen cost control in an era of skyrocketing premiums, and promote much-needed innovation in the U.S. health care system. Discover How To Make sense of today’s challenging benefits landscape and plan breakthrough changes that have succeeded for thousands of employers of all sizes Leverage the lessons of the online shopping revolution to drive radical innovation Incorporate the 7 key pillars of a true private benefits exchange into your benefits mindset Gain indispensable practical insights from early adopters’ experiences Clarify the new roles of employers, HR, insurers, brokers, employees, and other stakeholders Accelerate your transition away from inefficient employer-managed plans Assess the ongoing impact of health care reform, public exchanges, health care consumerism, and other trends Alan Cohen created one of the first private exchange platforms and has pioneered this approach for more than a decade. Now, in a candid discussion of how the economic principles of choice, consumerism, and defined contribution are at work in an exchange environment, he breaks down the concept for HR professionals, entrepreneurs, brokers, insurers, health care reformers, policy makers, and employees. Cohen looks to social and economic implications to forge a future in which all eyes are on a new model of the consumer for the benefits age. With insights from industry veterans, Employee Benefits and the New Health Care Landscape brings a fresh perspective to the debate on health care and health insurance in America.
Author:
Publisher: DIANE Publishing
ISBN: 9781422325261
Category :
Languages : en
Pages : 110
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Book Description
Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309133181
Category : Medical
Languages : en
Pages : 536
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Book Description
The anthrax incidents following the 9/11 terrorist attacks put the spotlight on the nation's public health agencies, placing it under an unprecedented scrutiny that added new dimensions to the complex issues considered in this report. The Future of the Public's Health in the 21st Century reaffirms the vision of Healthy People 2010, and outlines a systems approach to assuring the nation's health in practice, research, and policy. This approach focuses on joining the unique resources and perspectives of diverse sectors and entities and challenges these groups to work in a concerted, strategic way to promote and protect the public's health. Focusing on diverse partnerships as the framework for public health, the book discusses: The need for a shift from an individual to a population-based approach in practice, research, policy, and community engagement. The status of the governmental public health infrastructure and what needs to be improved, including its interface with the health care delivery system. The roles nongovernment actors, such as academia, business, local communities and the media can play in creating a healthy nation. Providing an accessible analysis, this book will be important to public health policy-makers and practitioners, business and community leaders, health advocates, educators and journalists.
Author: Barbara Bovbjerg
Publisher: DIANE Publishing
ISBN: 9781422317204
Category : Business & Economics
Languages : en
Pages : 60
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Book Description
Many U.S. workers receive health & pension benefits from employers, & the cost of these benefits represents a growing share of workers¿ total compensation. Employers have made changes to control these rising costs, contending that these changes will allow them to remain competitive in an increasingly global market. This report examines the practices employers are using to control the costs of benefits. To evaluate changing employer benefit practices & their implications, the author examined: (1) current & emerging practices employers are using to control the costs of health care benefits, & retirement benefits; & (2) employers¿ workforce restructuring changes. Charts & tables.
Author: Paul Zane Pilzer
Publisher: John Wiley & Sons
ISBN: 1119012112
Category : Business & Economics
Languages : en
Pages : 288
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Book Description
How to save 20 to 60 percent on health insurance! The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. This book is written to ensure that you, your family, and your company get your fair share of the trillions of dollars the U.S. government will spend subsidizing individual health insurance plans between now and 2025. You will learn how to navigate the Affordable Care Act to save money without sacrificing coverage, and how to choose the plan that offers exactly what you, your family and your company need. Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. The purpose of The End of Employer-Provided Health Insurance is to show you how to profit from this paradigm shift while helping you, your family, and your employees get better and safer health insurance at lower cost. It will help you save thousands of dollars per person each year and protect you from the greatest threat to your financial future—our nation's broken employer-provided health insurance system. We are at the beginning of a paradigm shift in the way businesses offer employee health benefits and the way Americans get health insurance—a shift from an employer-driven defined benefit model to an individual-driven defined contribution model. This parallels a similar shift in employer-provided retirement benefits that took place two to three decades ago from defined benefit to defined contribution retirement plans. Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans. Using the techniques outlined in this book, you and your employer will save money on health insurance by migrating from employer-provided health insurance coverage to employer-funded individual plans at a total cost that is 20 percent to 60 percent lower for the same coverage. That's $4,000 to $12,000 in savings per year for a family of four for the same hospitals, same doctors, and same prescriptions.
Author: Dorinda D. DeScherer
Publisher: Aspen Publishers
ISBN: 9780735591165
Category : Employee fringe benefits
Languages : en
Pages : 0
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Book Description
Employee Benefits Answer Book provides comprehensive guidance for thoseinvolved in the design and administration of employee benefit plans.The Q&A format is ideal for probing key topics such as:Health care reformCOBRA continuation coverageRetiree health care coverageHealth coverage portability requirementsGroup long-term care insuranceDependent care assistanceAdoption assistanceVacation and severance pay plansDeath benefitsFinancing employee benefitsFinancial accounting for employee benefitsAnd more!Employee Benefits Answer Book will help you:Set the best Health Care Reform Act strategy for your company and your clientsKeep in compliance with current and coming requirementsFind clear answers to hundreds of employee benefits questionsAvoid costly errors related to employee benefits administrationResolve employee benefits issues quickly and effectivelyAnd much more!Employee Benefits Answer Book has been updated to bring you plain-languageexplanations of the latest health care reform developments, including theseimportant topics:When a plan is a "grandfathered" plan - and how to keep it that wayWhat employers need to do to satisfy "employer responsibility" requirementsunder the Health Care Reform ActHow the Health Care Reform Act restricts preexisting-condition exclusionsWhich plans and benefits are subject to new prohibitions on annual andlifetime benefit limitsWhen a plan must cover an employee's adult childHow to comply with no-cost preventive care requirementsWhat a plan must do when denying a benefit claimWhat plans must tell employees about their benefits and coverageWhen health reimbursement arrangements can and cannot pay for over-the-counterdrugsHow small employer plans can cash in on a valuable new tax creditWhy insured plans don't need to worry about tough, new nondiscrimination rulesHow plans must handle premium rebates from their insurersWhat health plan information must be reported on employees' W-2 formsAnd much more!In addition to Health Care Reform, Employee Benefits Answer Book providesemployers and benefits professionals with extensive and up-to-date guidance onother important legal and regulatory developments during the past year,including:Important new regulations under the Age Discrimination in Employment Act (ADEA)Cost-sharing parity requirements for mental health and addiction benefitsExpanded FMLA coverage for military family membersNew fringe benefit rules for employer-provided cell phonesKey changes to the Uniformed Services Employment and Reemployment Rights Act(USERRA)New FMLA rules for airline flight crewsNew ground rules for employer-provided adoption assistanceImportant U.S. Supreme Court rulings on employee benefitsRevised rules for counting intermittent FMLA leaveUpdated guidance on retiree prescription drug benefits
Author: Dorinda D. DeScherer
Publisher: Wolters Kluwer
ISBN: 1454855932
Category : Business & Economics
Languages : en
Pages : 1682
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Book Description
Employee Benefits Answer Book provides comprehensive guidance for those involved in the design and administration of employee benefit plans. The Q&A format is ideal for probing key topics such as: Health care reform COBRA continuation coverage Retiree health care coverage Health coverage portability requirements Group long-term care insurance Dependent care assistance Adoption assistance Vacation and severance pay plans Death benefits Financing employee benefits Financial accounting for employee benefits And more! Employee Benefits Answer Book will help you: Set the best Health Care Reform strategy for your company and your clients Keep in compliance with current and coming requirements Find clear answers to hundreds of employee benefits questions Avoid costly errors related to employee benefits administration Resolve employee benefits issues quickly and effectively And much more! The Thirteenth Edition provides up-to-date coverage of the Affordable Care Act (ACA), including: Transition rules leading to full implementation of the employer shared responsibility requirements in 2015 Guidance on when employer-provided health coverage provides minimum value Latest figures for determining affordability of employer-provided health coverage Rules governing the interplay of orientation periods with the new limits on waiting periods for health coverage And more! Additionally Employee Benefits Answer Book has been updated to include discussions of: New guidance on stop-loss insurance The Supreme Court’s weighing in on vesting of retiree health benefits Final regulations on payment of retiree health premiums by a pension or annuity plan DOL issuance of updated COBRA continuation coverage notices that reflect the Health Exchange option And more!
