Comments on: 4 ways self-insurance goes astray

By: Private Krankenversicherung Vergleich

Private Krankenversicherung Vergleich — Mon, 14 Sep 2009 20:47:47 +0000

Hi what entice you to place an article. This article was extremely interesting, especially since I was looking for thoughts on this study last Thursday.

By: Laura

Laura — Thu, 27 Aug 2009 16:42:21 +0000

Any business that is self-insured should purchase stop loss insurance or reinsurance policy that limits their total out of pocket expenses to an amount that they can comfortably afford to self insure! This should also help limit the premium adjustments due to catastrophic illness claims. Businesses typically choose to self-insure because the savings will often be 10-15% over a carrier based plan. Any reputable administrator should include this in any self-insured employee benefits program.

By: bob

bob — Thu, 27 Aug 2009 16:08:25 +0000

These examples are why anyone who is self insured should have an umbrella policy that caps the employer’s liability for each employee annually. We have a $50,000/employee/yr. cap. With this cap, once the empolyee reaches $50,000 the umbrella policy kicks in and picks up the back end. Your experience still takes the hit, but companies pocketbook does not.

By: Judy

Judy — Thu, 27 Aug 2009 13:34:27 +0000

One of our members had a liver transplant. Of course, our premiums increased dramatically. We has only ten people on our plan. After three years, the increases leveled off.

By: Ned Broadwater

Ned Broadwater — Mon, 24 Aug 2009 20:26:33 +0000

There are some great pre-natal programs available and groups need to make sure they have centers of excellence available.