As the new national health care plan goes into effect, companies and insurers are seeking ways to keep plans affordable. One idea that is being tried in limited markets is offering plans with reduced premiums, but have a narrower selection of doctors and hospitals than the traditional plans. Sort of a throw back to the managed care days of the 1990’s.
These plans will no doubt appeal to smaller businesses that already offer insurance to their employees, but who are being confronted with rapidly increasing premiums. As this type of plan catches on, though, larger companies will certainly gravitate toward them as well. What this will mean for employees is that they will keep their premiums down, but will have very few choices in-network of who they see and where they can go. And to go out-of-network will cost individuals dearly.
How does WhiteGlove House Call Health fit into this equation? Adding WhiteGlove to a company’s benefits plan lowers overall health care spending, which in turn can translate into helping to control rising premiums. WhiteGlove caps costs for routine care, improves employee productivity, reduces absenteeism and helps with the potential morale problems caused by ever tightening health plan restrictions.
How? WhiteGlove is a membership-based routine healthcare provider. A company or health plan pays a membership fee per employee and dependents, and then that employee can use WhiteGlove as often as desired for any routine healthcare needs, at a capped fee of $35 per visit. The visit fee includes medical care that comes to the employee’s home or office, generic prescription medications, a care package of foods, beverages, and over-the-counter remedies.
Healthcare reform is a work in progress. But there are growing pains that are going to be associated with its implementation. WhiteGlove can help to ease that pain.
Thursday, July 29, 2010
Wednesday, July 7, 2010
Healthcare Uncertainty
Has your company been forced to move to a high deductible health plan (HDHP) in order to continue to offer, or begin to offer, healthcare to your employees? You are not alone! In 2011, for the first time a majority of U.S. workers are expected to have health insurance deductibles of $400 or more.
Many employers have told us that this causes uncertainty with:
· How much employees will spend on healthcare because now they will pay 100% of their healthcare costs until they reach their deductible. That could man $100s of every doctor visit.
· Employee reaction to the HDHP and how it will impact morale, because they no longer have a co-pay for doctor visits – many will see this as taking a cut in pay.
· The impact to the business – many fear losing key employees because of their ability to offer competitive benefits.
In a May 2010 study of employers, when asked how important specific health care reform goals were to their organization, respondents labeled the following as essential or high priority:
· Containing health care costs (96 percent of respondents).
· Encouraging healthy lifestyles (88 percent).
· Improving the quality of care (75 percent).
What role does WhiteGlove play in these uncertain times? By adding the WhiteGlove service to your company’s healthcare offering, you can be certain that your employees and dependents will spend much less on their healthcare and love the care we bring to them.
WhiteGlove lowers overall spending, caps costs for routine care, improves employee productivity, reduces absenteeism and helps with the potential morale problems caused by having to change your health plan.
WhiteGlove’s Corporate Membership Program is designed to help companies (and their employees) take control of their healthcare costs.
· For fully insured companies: we are able to lower the cost of healthcare for your employees and dependents, increase employee productivity, and improve employee morale.
· For self-funded companies: we are able to lower the cost of healthcare for both the company and your employees/dependents, increase employee productivity, and improve employee morale.
We are certain that WhiteGlove can help your company through these uncertain times! Want to learn more? Visit our website at www.whiteglove.com.
Many employers have told us that this causes uncertainty with:
· How much employees will spend on healthcare because now they will pay 100% of their healthcare costs until they reach their deductible. That could man $100s of every doctor visit.
· Employee reaction to the HDHP and how it will impact morale, because they no longer have a co-pay for doctor visits – many will see this as taking a cut in pay.
· The impact to the business – many fear losing key employees because of their ability to offer competitive benefits.
In a May 2010 study of employers, when asked how important specific health care reform goals were to their organization, respondents labeled the following as essential or high priority:
· Containing health care costs (96 percent of respondents).
· Encouraging healthy lifestyles (88 percent).
· Improving the quality of care (75 percent).
What role does WhiteGlove play in these uncertain times? By adding the WhiteGlove service to your company’s healthcare offering, you can be certain that your employees and dependents will spend much less on their healthcare and love the care we bring to them.
WhiteGlove lowers overall spending, caps costs for routine care, improves employee productivity, reduces absenteeism and helps with the potential morale problems caused by having to change your health plan.
WhiteGlove’s Corporate Membership Program is designed to help companies (and their employees) take control of their healthcare costs.
· For fully insured companies: we are able to lower the cost of healthcare for your employees and dependents, increase employee productivity, and improve employee morale.
· For self-funded companies: we are able to lower the cost of healthcare for both the company and your employees/dependents, increase employee productivity, and improve employee morale.
We are certain that WhiteGlove can help your company through these uncertain times! Want to learn more? Visit our website at www.whiteglove.com.
Subscribe to:
Posts (Atom)