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Changes to International Health Insurance
Those who travel overseas for business or vacation may want to know that two of the world's largest international health insurance plans - “Atlas Travel” and the “International Citizen Medical Plan” insured by Lloyds of London have changed coverage...
Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset
Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset © 2002 Elena Fawkner "I've been considering quitting my full-time job and getting a part-time job that would pay the bills [so I can start a home business] ......
Life Insurance Benefits
Life Insurance is a legal contract between you and a life insurance company with the purpose of providing an income to spouse, children or other beneficiaries in the event of your death. There are two different categories of Life Insurance. Term...
Life Insurance Providing Little Protection from Terrorism
Recent statements by the City of London Police Commissioner James Hart that future terrorist attacks in London’s financial centre are, "a matter of when, rather than if", will increase already serious concerns over issues of personal and business...
Student Health Insurance
Students often wonder if they really need health insurance. It seems like a reasonable question when you are young and healthy and seemingly invincible. After all, almost everyone who knows how to access the health care system is provided with basic...
 
Beat Your Competition By Controlling The Cost Of Your Health Insurance

As many of us expect, the New Year will bring both tremendous challenges and opportunities for all of us both personally and professionally. Employers continue to face the major challenge of controlling the cost of their health insurance and other employee benefit programs. Organizations that can best get a handle on the cost of their employee benefit programs have an excellent opportunity to gain an advantage over their competition.

What are some practical ways to control the cost of your health insurance? Here are a few suggestions:

1) Investigate all of your traditional and consumer directed health plan options. Many companies are easing into consumer directed plans by offering them as part of a "dual choice" program.

2) Out of network benefits. If your PPO network has adequate access to network providers, plan designs that strongly encourage the use of preferred providers save premium and claim dollars while the insured still gets the needed care at a discounted rate.

3) Prescription


drug coverage. Rx plans that encourage the use of generics and require mandatory mail order for maintenance medications are an efficient use of your benefit dollars.

4) Encourage wellness. What is the old saying? An ounce of prevention is worth a pound of gain.

5) Consumerism. Access to the tools necessary to be a “good” healthcare consumer will allow individuals to get the best care at the best price.

If you do not have time to personally handle the suggestions made above, consider enlisting the services of an independent insurance broker that specializes in designing and evaluating health plan options. A good insurance broker should be able to save you time, money, and ultimately serve as a trusted resource for plan recommendations now and in the future.


About the Author

Michael Ertel is the founder of http://www.MedicalInsuranceNow.com which is a website that assists individuals and small business owners by providing side by side comparisons of health insurance alternatives.

 

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Compare Auto Insurance Quotes from Top Auto Insurance Companies
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Provide travel, home contents and car insurance for professionals, graduates and students.
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Home Insurance Quote, Car Insurance Quotes, cheap Travel Insurance, Pet Insurance, Business Insurance. Up to 15% discount for buying insurance online.
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Direct Line offer car insurance, home insurance, life insurance, travel insurance, mortgages, personal loans,breakdown cover and much more!
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State regulatory authority. Site provides information for consumers, producers, and the insurance companies themselves.
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Regulates the state's insurance industry, encouraging competition to make insurance available and affordable. [some content available in Spanish]
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