•Group Health Insurance: What Makes An "Unreasonable" Rate Increase?
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? The rate of medical inflation is currently 3.4% -- and yet employers around the country are often seeing rates far in excess of that. Legislators and media alike accuse carriers of giving "unreasonable increases."
Recently, the CEO of MVP Health Care, a New Hampshire and Vermont HMO, talked about the fact that insurance companies are often excoriated for increasing rates faster than the rate of medical inflation.
He relates a story of being in Washington and having a lawmaker tell him that...
•Value Based Benefit Design: New Way for Employers to Save Health Care Costs?
? What if I told you that your company could possibly get both access to high quality care and at the same time avoid unnecessarily high health insurance rate increases? Well, with Value Based Insurance Design (VBID), you may be able to.
Smaller, fully insured groups pay the same premium irrespective of what their claims are, so they may not benefit as much from a Value Based Insurance Design. However, carriers, who are beginning to offer such plans will usually offer lower rates when such...
•How To Lower Health Insurance Costs via Your Company Dental Plan
Imagine if minor adjustments in your dental plan could have major effects in your company's health plan costs. New research shows that it might just work that way.
It's logical if you ponder it. Your mouth contains about six billion bacteria of up to 400 species at any given time. And how many hundreds of times per day do you swallow?
Add to that research studies that show that chronic inflammation such as that involved with periodontal (gum) disease can lead to heart disease,...