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A large international insurance company IT department
PROBLEM The workers in the information systems division were technically excellent but lacked in human behavioral skills. One employee in particular was exceptionally intelligent and knowledgeable but had a pessimistic, cautious and negative...
Finding Affordable Health Insurance
With prices seeming to be on a never-ending rise, health
insurance costs have increased to the point that affordable
health insurance seems to be a thing of the past. One of the
most common means of obtaining affordable health insurance...
Life Insurance Careers
Do you like to spend all day being sitting around? Fixed income is good enough for you? Do you feel economic stability is not a priority right now? Well, if your answer to any of above questions is “Yes”, you should accept the fact youhave a very...
Useful Tips on Reducing Insurance Costs
Most people want lower insurance costs but are often too lazy to do anything about it. All it takes is a little time and effort and you could be looking at a reduced insurance premium. Here are some useful tips on reducing insurance costs: Shop...
Why Don't Women Have Life Insurance?
Traditionally, life insurance companies solicited men as the main breadwinners in a family to ensure, that they had adequate life insurance coverage. Now, times have changed, but the statistics on women show that great percentage of American and...
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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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