Employee Health Insurance Options Essay by Quality Writers

Employee Health Insurance Options
This paper discuses options employers give their employees to insure themselves and their families.
# 100197 | 1,625 words | 8 sources | MLA | 2007 | US
Published on Dec 18, 2007 in Business (Actuarial Science) , Business (Industries) , Business (Human Resources)

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This paper explains that, by having their employers and themselves contribute a pre-determined amount, organizations are able to avail of medical services. The author points out that all insurance policies are factored on two patient-centered principles: benefits and exclusions, which are based on consumer choice between the availability in the policy of different essential and non-essential services and procedures, and the degree of cost-sharing between the employer and employee. The paper describes a pay-for-performance strategy, which is a new strategy in organized health care where physicians are given not only an incentive to optimize costs through several checks and balances, but also are rewarded or "punished" for providing adequate or inadequate health care for their patients.

Table of Contents:
Types of Insurance Policies
Health Maintenance Organizations
Managed Care
Preferred Payment Organizations
Recent Trends and Changes

From the Paper:

"Preferred Payment Organizations (PPOs) are similar to the HMOs in that they provide beneficiaries with discounted physician services such as checkups, follow-ups, diagnostic examinations, procedures, etc. They also had the ulterior objective of cost containment. Their main difference from HMOs is that some PPOs function as per-need service providers rather than provide primarily preventive services such as screenings (non-risk bearing network PPOs). PPOs in general thus have less patient visits as opposed to the HMO. In addition, HMOs are usually "risk bearing" entities."

Sample of Sources Used:

  • Fisher, Elliott S. "Paying for Performance - Risks and Recommendations." New England Journal of Medicine. 355 (2006): 1845-1847. 5 Nov 2006. <http://content.nejm.org/cgi/reprint/355/18/1845.pdf>
  • Flynn, Kathryn E., Maureen A Smith and Margaret K. Davis. "From Physician to Consumer: The Effectiveness of Strategies to Manage Health Care Utilization." Medical Care Research and Review. 59 (2002): 455-481. 5 Nov 2006 <http://mcr.sagepub.com/cgi/reprint/59/4/455>
  • Gabel, Jon R, Stephen H. Long and M. Susan Marquis. "Employer-Sponsored Insurance: How Much Financial Protection Does It Provide?" Medical Care Research and Review. 59 (2002): 440-454. 5 Nov 2006 <http://mcr.sagepub.com/cgi/reprint/59/4/440>
  • Kronenfeld, Jennie Jacobs. Health Care Policy: Issues and Trends. Westport, CT: Praeger, 2002. Questia. 5 Nov. 2006 <http://www.questia.com/PM.qst?a=o&d=101308895>.
  • Landon, Bruce E, Alan M Zaslavsky, Shulamit L Bernard, Matthew J Cioffi and Paul D Cleary. "Comparison of Performance of Traditional Medicare vs. Medicare Managed Care." JAMA. 291 (2004): 1744-1752. 5 Nov 2006. <http://jama.ama-assn.org/cgi/content/full/291/14/1744>

Cite this Essay:

APA Format

Employee Health Insurance Options (2007, December 18) Retrieved November 26, 2020, from https://www.academon.com/essay/employee-health-insurance-options-100197/

MLA Format

"Employee Health Insurance Options" 18 December 2007. Web. 26 November. 2020. <https://www.academon.com/essay/employee-health-insurance-options-100197/>