Bottom line/health

Choosing a health insurance plan is not as easy as usual. The distinction between health started to Blur as
company health benefits to compete in the company.

Although there is no "best" health benefits plan, there are carriers, which are better suited than other companies and workers ' health care needs.

As the Chief Executive Officer of the health benefits company OF VISTA, I'm not immune to skyrocketing health care costs.
the employer, I'm the same challenge to do the maintenance costs of health care affordable VISTA per 1000 employees in Florida.My responsibility also extends to more than 10,000 groups employers South Florida and 330 000 members of VISTA.

Although many CEOs, Presidents and CFOs are complaining about the cost of providing health benefits for their employees, are rarely
involved in the process of selection of company health benefits.
Fortunately, South Florida employers enjoy a highly competitive market with the purchase of health benefits.
There are many carriers to check the differences between each are few network providers, plan and services are all very similar.

Therefore, all things being equal, why pay more? how do you know which health benefits to the company the right fit for business?
Ask yourself the following questions.

The employer as far as I can afford to contribute to premium?

What advantages will serve most of my employees?

Will be offering workers more options Save or cost me money?

Whether the plan has an adequate number of providers?

Evaluation of the cost

The owners of the companies are looking for ways to reduce their health care costs. look for the carrier, which manages the effective health benefits plan.

Administrative charges are general costs of the carrier.These are located in your premium and may vary considerably. these fees cover the processing and payment of claims, answering
connection of the client, the marketing and advertising costs and broker Commission payments.Media from lower administrative costs are usually much more affordable than high administrative costs when reviewing applications. health
the benefits companies, ask what they will charge for administrative expenditure.

Offers the choice of the workers

Giving employees the freedom in the choice of your health plan will help educate them about the valuable benefits offered, meet
their need for health benefits and to maintain its contribution to the premium anticipated in the budget plan selection may vary at-payment network access and the employee. it will be an employee, not the employer, who is responsible for evaluating and selecting his or her health benefits plan.

Workers will have to specify how often you use the services of health care, which they estimate these costs are for and how to
To access and pay for these services.

A network of suitable suppliers

No health benefits plan includes the cost of every employee can have health or includes any physician you are purchasing group.
the scope of the company's owner must assess whether the pIan health benefits is considering offers inexpensive level of benefits and the network, which provides a suitable
accessibility for employees.

Company

In South Florida can be as 15 per cent of the difference in cost between the health benefits companies need to choose a health plan you choose should cost competition and offers the choice of the health and a extensive vendor to meet the needs of your group.

Whether your company has 20 employees or 1000, the level of involvement in the decision-making process is important in determining how the costs of health care will be affected by the company
Bottom row, Standing on the sidelines ... may be the price can not afford to pay.

RONALD j. BERDING is CEO OF VISTA, health benefits company located in South Florida with members of more than 330 000. its experience in health care and insurance covering the years 30. Berding was a member of the gov.ar. Chiles workgroup on payment claims and small groups of insurance Reform Committee on Florida Insurance Commissioner Tom Gallagher worked also as Chairman of the aid plan for Florida s consumers. VISTA related undertakings, Vista Healthplan Inc., Vista Healthplan South Florida, Inc. and Vista Inc. insurance Plan offers a choice of health benefits health maintenance organization (HMO), preferred provider organization (PPO) and point of service (points). Contact Berding via VISTA's Web site http://www.vistahealthplan.com, or at (954) 858-3000.