Medical Insurance: Things That Can Save You Time, Money and GriefMedical Insurance Guide Resource |
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It should be noted that some employers, and others who offer group medical insurance to their members (such as professional organizations) are seeking to contain the costs of offering health benefits. In response, insurers and health plans are designing new types of benefit plans, and now offer (for example) tiered copayment levels for hospital and or prescription drug coverage. Employers are also seeking to contain costs by offering policies or benefits that differentiate among employees or members of the group according to various criteria. These criteria may include health status, claims history, length of time since underwriting occurred, old hires versus new hires, or full-time versus part-time. Thus, it's important for employees (or association members) to be aware of how premiums are calculated and to understand the details of the policy being offered, such as copays and deductibles.
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