Get Full Essay Get access to this section to get all help you need with your essay and educational issues. The Future of Health Care as an Employee Benefit Essay Sample Introduction This research paper will deal with the study of the future health care and its employees benefit.
Regardless of the fees involved, research supports that most employees feel that their health insurance provides more than adequate coverage. History of Employer Health Coverage The basis for employer based health insurance is that a large number of employees equally distribute the risk of needing healthcare.
Instead of large fees for frequently ill employees and small fees for healthy employees, everyone pays the same amount, everyone shares the risk. Employers began to offer health coverage during World War II.
This was a time where they needed to attract employers and limit their tax liability. The fringe benefit that best attracted new employees was having their health coverage paid. The benefit to the employer is that providing health coverage is a large tax deduction.
Soon, the National Labor Relations Board became involved and argued that any company not willing to bargain for health coverage should face sanctions. Is Employee based health care essay Coverage Adequate?
In order to determine if employer based health insurance offers adequate coverage, one must ask the employees who are covered. In other words, most Americans believe that the quality of health insurance is not dependent on the cost, and that the cost does not influence the quality. Today, employees can be offered one or all of the following types of coverage: Indemnity coverage offers the most flexibility in choice of doctors.
Plan members pay a monthly fee and must satisfy a deductible. In return, they can choose their own doctors and do not have to wait for referrals in order to get service. According to the Office of Personnel Management OPMeighty-two percent of indemnity enrollees were satisfied with the quality of their health coverage.
PPO coverage is similar to that of the HMO, but with slightly higher out of pocket expenses and more flexibility in choosing doctors. In a POS point of sale plan, the insured can find their own physician who must agree to being billed under this plan.
This physician is the starting point for all referrals there was no numerical data on POS satisfaction. As ofthe largest number of covered individuals were under a PPO plan, and the fewest were covered by indemnity.
Not all employees are completely satisfied with their health care coverage, and Consumer Affairs has plenty to say on that subject. Dana last name withheld by publisher of Albertville, Alabama was turned down for coverage that involved experimental treatments.
It seems that some customers are paying the price. Gerardo of Long Beach, California recalled that his wife entered a Kaiser-approved psychiatric facility for treatment of depression voluntarily. According to US News, patients felt that it was difficult to get in to see their doctors due to the red tape of getting their visits approved or having so few doctors from which to choose that the waiting time for an appointment exceeded the time in which they could reasonably get treated.
What Factors Make the Coverage Adequate? Patients have different needs in regard to their health insurance coverage, but there are some issues that apply to everyone, regardless of age, race, sex or current health status.
According to the American Association of Health Plans, all HMOs remind their customers about screenings for colorectal, prostate and cervical cancers where it applies by sexand all cover the screenings for colorectal and cervical cancer screenings.
Ninety-one percent of HMOs cover screenings for prostate cancer.
Between ninety-one and ninety-eight percent of HMOs will cover any procedures colonoscopy, barium enema, etc needed to screen for cancer, and ninety percent will cover a mammogram.May 22, · The American health care model is an unintended vestige of a tax provision dating to World War II, but it has led employees to think of coverage as .
Essay on Employee Compensation and Benefits | Employee Compensation and to entice employees away particularly if that organization does not make available the most important programs like health care and disability insurance.
Furthermore, for the employees, many healthcare plans are pre-tax programs. This means the employee’s. May 22, · The American health care model is an unintended vestige of a tax provision dating to World War II, but it has led employees to think of coverage as a benefit without cost, an economist writes.
The Future of Health Care as an Employee Benefit Essay Sample. Introduction This research paper will deal with the study of the future health care and its employees benefit. Employee-Based Health Care: Adequate Coverage? Employer-based health insurance is often the goal for uninsured Americans.
The cost of health care is astronomical; so much that many individuals choose to go to a hospital emergency room for their health care . Employees do get a lot of benefits from the employers that provide them healthcare benefits. It is considered one of the main factors employees value when.