Tobias Insurance Group.

• Author: Williams, Ken
• Position: Employees contribution for health insurance

A CEO's briefing on discussing employees' contribution for health insurance:

* You evaluated your Health insurance Plan Design focusing on provider discounts, preferred provider organizations for managed care, point-of-service coordination and health maintenance organizations.

* You adopted wellness programs and incentives focusing on healthier lifestyles and utilization incentives.

* You explored funding alternatives to move from a fully insured plan to partially self-funded plans.

* You implemented a pretax cafeteria plan to introduce employee contributions.

* Each successive move helped delay another year of health-plan increases, but none could hold back the tide in its entirety.

* Then you realize, or economics dictate, you cannot carry the burden alone. Your employees need to or have to contribute a greater portion of the costs.

* Employee Cost Sharing strategies and alternatives are becoming a much more critical issue.

* Employers look to Tobias Insurance Group Inc. to provide targeted strategies and share ideas that have been successful with other employers.

* Tobias Insurance Group Inc. often participates in employee meetings to help explain an employer's position for sharing some of this increasing burden.

* We've found the following points affecting medical costs and trends to be great discussion topics:

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