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Managed Care December 2003 MargaretAnn Cross |
Will New Benefit Design Harm Some Patients? In the past, reducing demand for care by raising patients' costs has resulted in the loss of some needed care. Can we avoid the trap? |
Managed Care August 2004 Martin Sipkoff |
Bad Tiered Formulary Designs Yield Poor Outcomes, High Cost Now that tiered formularies rule the land, what many suspected is being demonstrated: Compliance is suffering and so, too, are patients. |
Pharmaceutical Executive April 1, 2006 Humphrey Taylor |
Opinion: Unintended Outcomes for Consumer-Drive Insurance So-called "consumer-driven" health insurance is designed to help informed consumers make better decisions about their medical treatment. But the high deductibles associated with these plans are affecting the end goal. |
BusinessWeek May 28, 2007 Christopher Farrell |
Health Care You Control One family finds that health savings accounts may be the smart choice. |
Managed Care March 2006 MargaretAnn Cross |
Deciding Factor: How Much Health Care is Discretionary? Defining discretionary health care is no easy task, but it may be imperative for 'consumer' health plans seeking to get patients more involved. |
BusinessWeek November 8, 2004 Gleckman & Woellert |
Your New Health Plan Health savings accounts, like 401(k)s, will give employees more choices -- but also a greater share of the costs |
Managed Care September 2003 MargaretAnn Cross |
Consumer-Directed Health Care: Too Good To Be True? People talk about it as the sure way to control costs and give consumers the choice they seem to want. Are we being realistic? |
Managed Care March 2005 John Carroll |
HSAs: Early Returns Are In A significant number of consultants, insurers, politicians, and, oh yes, the companies that purchase health care are increasing their interest in health savings accounts. |
Financial Planning April 1, 2007 Donald Jay Korn |
Healthy, Wealthy and Wise As more and more affluent clients start managing their medical costs, financial advisors may be asked to provide a second opinion on the choices. |
Managed Care October 2004 Martin Sipkoff |
Not So Much of a Reach: Let Sick Pay Less for Drugs The idea is radical and simple: Those who need medication the most should pay the least. There is evidence that this is cost-effective. |
Managed Care August 2002 Frank Diamond |
Moving Consumers to the Head of the Class Creating a customer base that's aware of the link between cost and services has become the next big challenge in managed care. It's a daunting task. |
Managed Care September 2001 Michael D. Dalzell |
Where Will Health Plans Find The Next Generation of Savings? The industry realizes that it needs to get creative -- or perish, at least in the form it has taken. Employers won't stand long for double-digit premium hikes. With much of the fat already wrung out of care delivery, where will health plans find that next generation of cost savings? |
The Motley Fool June 7, 2007 Dan Caplinger |
Health Insurance for Healthy People Even though you can't eliminate insurance costs, you can still make them as small as possible. By keeping the responsibility for paying some of your own health costs, you can save hundreds on health insurance premiums. |
Managed Care January 2007 John Carroll |
Erosion of Employer-Sponsored Health Care: Bad for Everyone More companies are offering less coverage - or none at all. Even those that offer coverage find that more of their workers choose not to sign up. |
Managed Care August 2001 Steve Perlstein |
Four-Tier Approach Injects Consumerism Into Drug Benefit In tying copayments closely to the actual cost of medications, Humana takes a step toward promoting awareness of resource use... |
Reason November 2004 Ronald Bailey |
Mandatory Health Insurance Now! It will save private medicine in the U.S. -- and spur medical innovation. |
Financial Planning January 1, 2005 Kevin J. Delaere |
Healthy Advice Both clients and financial advisers should consider health and medical savings accounts as a vital part of an investment plan. |
Managed Care February 2006 Lola Butcher |
Plans Put Provider Prices Out For Their Enrollees to Inspect Aetna, Cigna, Humana, and others are taking a variety of approaches in supplying information to members who are paying more out of pocket. |
Managed Care April 2004 Martin Sipkoff |
Do We Really Have Best Health Care in the World? Experts, including many health plan medical directors, agree: The United States has a long way to go when it comes to having the best health care in the world. |
BusinessWeek November 8, 2004 Howard Gleckman |
How Will The Plans Work? Here are some quick questions and answers about the alphabet soup of health insurance and medical accounts. |
Inc. April 2006 Carl Schramm |
Unexpected Benefits More people will start companies, thanks to health savings accounts. |
Managed Care October 2005 Martin Sipkoff |
The Lure of Tax Reform Politicians on both sides of the aisle are considering tax reforms as a way of fixing the health care system. What might it mean for health plans? |
Financial Planning April 1, 2007 Elizabeth O'Brien |
Are Your Clients Covered? Today's healthcare system demands vigilance from consumers and planners alike. Some financial planners are taking on the complex, expensive market for individual health insurance. And they're finding solutions. |
Registered Rep. May 25, 2011 Mark Miller |
Pros and Cons of the Healthcare Reform Law The new health reform law already is changing the health insurance market in important ways that will affect your clients' choices and expenses. |
Insurance & Technology February 7, 2004 Julie Gallagher |
Taking a New Look at HSAs Self-service tools support newly authorized health savings accounts |
Registered Rep. October 13, 2011 Mark Miller |
Determining Your Elderly Clients' Best-Fit in Medicare Plans You may be able to help senior clients save thousands of dollars in out-of-pocket health care costs by encouraging them to comparison shop for Medicare prescription drug and managed care options during the program's annual fall enrollment season. |
Financial Planning April 1, 2008 Donald Jay Korn |
Healthcare Without Medicare For many under-65 retirees, the most important question for them to think about is "How's your health?" |
Financial Planning April 1, 2006 Donald Jay Korn |
HSAs Determining how to procure vital health insurance without breaking clients' bankbooks has become a challenge for financial planners. Are these low-priced insurance plans the new prescription for rising healthcare costs? |
Managed Care August 2007 Lola Butcher |
What Attracts Workers to Consumer-Directed Plans? High-deductible insurance hasn't been a big draw, but plan sponsors have found a few ways to make it attractive. |
The Motley Fool October 22, 2010 Selena Maranjian |
How to Cut Your Health-Care Costs The average family pays $4,000 in premiums for a work-sponsored health-care insurance plan. However, with a little effort, you can cut those costs considerably. |
Managed Care March 2001 |
Does Cost-Sharing For Drugs Lead To Adverse Events? A study in the Journal of the American Medical Association suggests that HMOs' increased use of cost-sharing to soften prescription drug expenses may have actually increase overall medical costs over the long term. |
The Motley Fool December 11, 2007 Dayana Yochim |
PPO? HMO? HSA? OMG! Ready or not, for many employees, this is the only chance for the next 12 months to modify their health coverage. Here's how to pick the right employee health-care plan, whether you're single, married, in a family way, or feathering an empty nest. |
Financial Advisor March 2004 Marla Brill |
Will Health Savings Accounts Have A Market? new way to pay for health care that combines an insurance component with an intriguing savings kicker was introduced by the Medicare Reform Act in December. Health savings accounts (HSAs) are designed to help individuals save for qualified medical and retiree health expenses on a tax-favored basis. |
Financial Planning April 1, 2011 Donald Jay Korn |
Baby Steps Health savings accounts are growing, although assets are still modest, and advisors, consumers and employers remain interested. Moreover, integral parts of last year's healthcare reform law may actually encourage the growth of HSAs. |
The Motley Fool August 18, 2005 Selena Maranjian |
Make Health Insurance More Affordable Here are some health insurance money-saving strategies. |
BusinessWeek October 24, 2005 Lauren Young |
A Bad Case Of Sticker Shock Next year's health benefits will cause you to say "Ouch!" Here's what the most important changes will look like - and how painful they'll be. |
Financial Planning September 1, 2005 Russell Wild |
Desperately Seeking Coverage When your client needs individual health insurance, finding an affordable policy requires some digging. |
The Motley Fool August 29, 2007 Dan Caplinger |
Play It Safe With Your Health Census Bureau figures indicate 47 million Americans do not have health insurance. High deductible insurance is one solution that may help these individuals to avoid a potential financial disaster. |
Inc. June 2008 |
How To Choose A Health Care Plan: Finding the Right Plan Advice on what companies should consider when choosing a group heath plan. |
The Motley Fool July 5, 2006 Dan Caplinger |
Get an Insurance Checkup: Part 2 Insurance is a tricky subject, rife with complexity and confusing language and concepts. If you remember that your main goal in buying insurance is to reduce your own risk, it's easier to evaluate exactly what risks you have and therefore what sort of insurance you really need. |
Managed Care March 2004 John Carroll |
Health Savings Accounts Ready To Enter the Market Federal backing aligns with market pressure to create an irresistible force. However, health plans need to be aware of some troubling issues. |
Managed Care October 2003 |
Link between cost-sharing, noncompliance cited Two-thirds of American adults surveyed in a Wall Street Journal/Harris Interactive poll say that increasing out-of-pocket health care costs will deter people from seeking health care services when needed. |
Managed Care October 2007 |
The Formulary Files Retirees stop taking drugs when annual benefit runs out. |
The Motley Fool January 12, 2010 Dayana Yochim |
6 Ways to Score Cheap(er) Drugs Stop overpaying for the pills you have to pop with these simple ways to trim your prescription-drug tab. |
Managed Care April 2000 Michael S. Victoroff, M.D. |
Helping Marginally Covered May Take Public-Private Effort Opening medicine's doors to a broader population has invoked the law of unintended consequences. Primary care physicians feel an increased demand for visits, referrals, and advice. ... |
The Motley Fool September 13, 2006 Dan Caplinger |
The Dark Side of HSAs The combination of tax-deductible savings, tax-free income and withdrawals, and lower insurance premiums make the health savings account provisions extremely attractive. However, HSAs aren't right for everyone. |
Managed Care June 2005 MargaretAnn Cross |
Consumer-Directed and Home-Brewed Regional health plans and small HMOs coming late to the consumer-directed health plan market haven't missed out -- yet. |
Financial Planning September 1, 2008 Jeanne Lee |
HSA Highlights As healthcare costs continue to skyrocket, small business clients must arm themselves with strategies to help their employees save money on health benefits. One way is knowledge of health savings accounts and the various ways they can make benefits more affordable. |
Managed Care September 2004 |
Employers Offer 'Consumer' Plans with Trepidation There is concern that these plans will primarily attract healthier and higher-income individuals, leaving sicker and lower-wage employees in higher-cost alternatives. |
The Motley Fool September 29, 2006 Karl Thiel |
Is an HSA Right for You? Health savings accounts can help you reduce costs -- if you know how they work. |