SlideShare a Scribd company logo
1 of 25
How do your healthcare benefits compare? A look a the 2011 Indiana Healthcare Benefit Survey Presented by Randy Gomez, FSA www.nyhart.com Copyright 2011. All Rights Reserved.
Randy Gomez, FSA Senior Healthcare Actuary randy.gomez@nyhart.com| (317) 845-3595 Qualifications or certifications:Enrolled Actuary; Society of Actuaries Fellow; Member of the American Academy of Actuaries.    
Why would an actuarial firm conduct this survey?
[object Object]
Prevalence of Health Benefit Offerings
Cost Trends
Design Features3 Agenda
How was the study conducted?
Structure of Survey ,[object Object]
215 employers and more than 350 medical and 220 dental plans
Results by region, entity size and industry
Focus was on medical and dental benefits
Cost trends on total cost, employee contributions and employer subsidy
Plus comparison of 2010 to 2011 for 218 out of 356 health plans
Design features surveyed were
Deductibles
Out of pocket limits
Coinsurance
Copayments
Rx design 5
Prevalence of Benefit Offerings 6 Number of Medical Options Offered Choice is a good thing ,[object Object],[object Object]
Central region and larger employers are leading the way in use of high deductible plans,[object Object],[object Object]
Average cost of single coverage increased 6.9% and 8.1% for family coverage
Year to year comparison is based on 228 medical plans,[object Object]
Cost  Trends 11 2010 to 2011 Change in Medical Employee Contributions ,[object Object]

More Related Content

What's hot

Managing Participants Beyond Termination of Employment - Robert Malczyk
Managing Participants Beyond Termination of Employment - Robert MalczykManaging Participants Beyond Termination of Employment - Robert Malczyk
Managing Participants Beyond Termination of Employment - Robert MalczykBPAS
 
Take Control & Reduce Health Care Spend
Take Control & Reduce Health Care SpendTake Control & Reduce Health Care Spend
Take Control & Reduce Health Care SpendProformative, Inc.
 
Self Directed Healthcare
Self Directed HealthcareSelf Directed Healthcare
Self Directed Healthcareroberttjohnston
 
Consumer Directed Health Plans
Consumer Directed Health PlansConsumer Directed Health Plans
Consumer Directed Health PlansParker Elmore
 
PYA Presents Intro to Healthcare Valuation
PYA Presents Intro to Healthcare Valuation PYA Presents Intro to Healthcare Valuation
PYA Presents Intro to Healthcare Valuation PYA, P.C.
 
Appalenia Udell: Alternative Practice Model Bootcamp Restoring the Joy of Med...
Appalenia Udell: Alternative Practice Model Bootcamp Restoring the Joy of Med...Appalenia Udell: Alternative Practice Model Bootcamp Restoring the Joy of Med...
Appalenia Udell: Alternative Practice Model Bootcamp Restoring the Joy of Med...Hint
 
The Top Ten Issues in Physician Practice Acquisition and Valuation
The Top Ten Issues in Physician Practice Acquisition and ValuationThe Top Ten Issues in Physician Practice Acquisition and Valuation
The Top Ten Issues in Physician Practice Acquisition and ValuationPYA, P.C.
 
Essential Health Benefits Analysis--Kelly Brantley (Aug 2011)
Essential Health Benefits Analysis--Kelly Brantley (Aug 2011)Essential Health Benefits Analysis--Kelly Brantley (Aug 2011)
Essential Health Benefits Analysis--Kelly Brantley (Aug 2011)National Health Council
 
21 century telehealth+health advocacy
21 century telehealth+health advocacy21 century telehealth+health advocacy
21 century telehealth+health advocacyMel Schlesinger
 
Presentation Covers Physician Practice Compliance
Presentation Covers Physician Practice CompliancePresentation Covers Physician Practice Compliance
Presentation Covers Physician Practice CompliancePYA, P.C.
 
Recent Trends in Employer-Sponsored Insurance - jama 111114
Recent Trends in Employer-Sponsored Insurance - jama 111114Recent Trends in Employer-Sponsored Insurance - jama 111114
Recent Trends in Employer-Sponsored Insurance - jama 111114KFF
 
Primary Care Physician Compensation Model
Primary Care Physician Compensation  ModelPrimary Care Physician Compensation  Model
Primary Care Physician Compensation ModelVictor Esan,MPM,MBA
 
Healthcare Reform Initiatives Affecting Physician Compensation
Healthcare Reform Initiatives Affecting Physician CompensationHealthcare Reform Initiatives Affecting Physician Compensation
Healthcare Reform Initiatives Affecting Physician CompensationPYA, P.C.
 
Aflac Presentation
Aflac PresentationAflac Presentation
Aflac Presentationaflac
 
Learning the New Language of Healthcare
Learning the New Language of HealthcareLearning the New Language of Healthcare
Learning the New Language of HealthcarePYA, P.C.
 
Physican compensation presentation for physicians 270513
Physican compensation presentation for physicians 270513Physican compensation presentation for physicians 270513
Physican compensation presentation for physicians 270513Patricia Burchall
 
Exclusive Contracting and Incentivizing Quality in Your Hospitalist Program
Exclusive Contracting and Incentivizing Quality in Your Hospitalist ProgramExclusive Contracting and Incentivizing Quality in Your Hospitalist Program
Exclusive Contracting and Incentivizing Quality in Your Hospitalist ProgramPYA, P.C.
 
How are physicians paid?
How are physicians paid?How are physicians paid?
How are physicians paid?Robert Robinson
 

What's hot (20)

Managing Participants Beyond Termination of Employment - Robert Malczyk
Managing Participants Beyond Termination of Employment - Robert MalczykManaging Participants Beyond Termination of Employment - Robert Malczyk
Managing Participants Beyond Termination of Employment - Robert Malczyk
 
Take Control & Reduce Health Care Spend
Take Control & Reduce Health Care SpendTake Control & Reduce Health Care Spend
Take Control & Reduce Health Care Spend
 
Self Directed Healthcare
Self Directed HealthcareSelf Directed Healthcare
Self Directed Healthcare
 
Consumer Directed Health Plans
Consumer Directed Health PlansConsumer Directed Health Plans
Consumer Directed Health Plans
 
PYA Presents Intro to Healthcare Valuation
PYA Presents Intro to Healthcare Valuation PYA Presents Intro to Healthcare Valuation
PYA Presents Intro to Healthcare Valuation
 
Appalenia Udell: Alternative Practice Model Bootcamp Restoring the Joy of Med...
Appalenia Udell: Alternative Practice Model Bootcamp Restoring the Joy of Med...Appalenia Udell: Alternative Practice Model Bootcamp Restoring the Joy of Med...
Appalenia Udell: Alternative Practice Model Bootcamp Restoring the Joy of Med...
 
The Top Ten Issues in Physician Practice Acquisition and Valuation
The Top Ten Issues in Physician Practice Acquisition and ValuationThe Top Ten Issues in Physician Practice Acquisition and Valuation
The Top Ten Issues in Physician Practice Acquisition and Valuation
 
Essential Health Benefits Analysis--Kelly Brantley (Aug 2011)
Essential Health Benefits Analysis--Kelly Brantley (Aug 2011)Essential Health Benefits Analysis--Kelly Brantley (Aug 2011)
Essential Health Benefits Analysis--Kelly Brantley (Aug 2011)
 
Future Of Physcian Payments 081612
Future Of Physcian Payments 081612Future Of Physcian Payments 081612
Future Of Physcian Payments 081612
 
21 century telehealth+health advocacy
21 century telehealth+health advocacy21 century telehealth+health advocacy
21 century telehealth+health advocacy
 
Future of Physcian Payments
Future of Physcian PaymentsFuture of Physcian Payments
Future of Physcian Payments
 
Presentation Covers Physician Practice Compliance
Presentation Covers Physician Practice CompliancePresentation Covers Physician Practice Compliance
Presentation Covers Physician Practice Compliance
 
Recent Trends in Employer-Sponsored Insurance - jama 111114
Recent Trends in Employer-Sponsored Insurance - jama 111114Recent Trends in Employer-Sponsored Insurance - jama 111114
Recent Trends in Employer-Sponsored Insurance - jama 111114
 
Primary Care Physician Compensation Model
Primary Care Physician Compensation  ModelPrimary Care Physician Compensation  Model
Primary Care Physician Compensation Model
 
Healthcare Reform Initiatives Affecting Physician Compensation
Healthcare Reform Initiatives Affecting Physician CompensationHealthcare Reform Initiatives Affecting Physician Compensation
Healthcare Reform Initiatives Affecting Physician Compensation
 
Aflac Presentation
Aflac PresentationAflac Presentation
Aflac Presentation
 
Learning the New Language of Healthcare
Learning the New Language of HealthcareLearning the New Language of Healthcare
Learning the New Language of Healthcare
 
Physican compensation presentation for physicians 270513
Physican compensation presentation for physicians 270513Physican compensation presentation for physicians 270513
Physican compensation presentation for physicians 270513
 
Exclusive Contracting and Incentivizing Quality in Your Hospitalist Program
Exclusive Contracting and Incentivizing Quality in Your Hospitalist ProgramExclusive Contracting and Incentivizing Quality in Your Hospitalist Program
Exclusive Contracting and Incentivizing Quality in Your Hospitalist Program
 
How are physicians paid?
How are physicians paid?How are physicians paid?
How are physicians paid?
 

Similar to Comparing Healthcare Benefits in Indiana

Colonial Life And Accident Broker Presentation 1011
Colonial Life And Accident Broker Presentation 1011Colonial Life And Accident Broker Presentation 1011
Colonial Life And Accident Broker Presentation 1011mrwhayes
 
Combatting the Effects of Inflation: Keeping Benefits Competitive While Cutti...
Combatting the Effects of Inflation: Keeping Benefits Competitive While Cutti...Combatting the Effects of Inflation: Keeping Benefits Competitive While Cutti...
Combatting the Effects of Inflation: Keeping Benefits Competitive While Cutti...Aggregage
 
2017 Annual Meeting of Shareholders
2017 Annual Meeting of Shareholders2017 Annual Meeting of Shareholders
2017 Annual Meeting of ShareholdersCardinal_Health
 
Total Compensation Considerations for Nonprofits
Total Compensation Considerations for NonprofitsTotal Compensation Considerations for Nonprofits
Total Compensation Considerations for NonprofitsCBIZ, Inc.
 
Credit suisse-presentation-nov-8-final
Credit suisse-presentation-nov-8-finalCredit suisse-presentation-nov-8-final
Credit suisse-presentation-nov-8-finalCardinal_Health
 
VistaNational Resource Library
VistaNational Resource LibraryVistaNational Resource Library
VistaNational Resource Libraryrrobatzek
 
Open Enrollment Metrics Report Template
Open Enrollment Metrics Report TemplateOpen Enrollment Metrics Report Template
Open Enrollment Metrics Report TemplateBenefitfocus
 
Healthcare Valuations in an Era of Reform and Uncertainty
Healthcare Valuations in an Era of Reform and UncertaintyHealthcare Valuations in an Era of Reform and Uncertainty
Healthcare Valuations in an Era of Reform and UncertaintyPYA, P.C.
 
Towers Perrin's Health Care 360 Performance Study - Value for Your Organization
Towers Perrin's Health Care 360 Performance Study - Value for Your OrganizationTowers Perrin's Health Care 360 Performance Study - Value for Your Organization
Towers Perrin's Health Care 360 Performance Study - Value for Your Organizationwelshms
 
Challenges in Executive Compensation: Are You and Your Board Prepared?
Challenges in Executive Compensation: Are You and Your Board Prepared?Challenges in Executive Compensation: Are You and Your Board Prepared?
Challenges in Executive Compensation: Are You and Your Board Prepared?Integrated Healthcare Strategies
 
WellPoint 2004 summary annual report
WellPoint 2004 summary annual report WellPoint 2004 summary annual report
WellPoint 2004 summary annual report finance4
 
October Webinar
October WebinarOctober Webinar
October Webinardlinehan2
 
Vigor Source 4 27 09 Presentation
Vigor Source 4 27 09 PresentationVigor Source 4 27 09 Presentation
Vigor Source 4 27 09 Presentationanalyst_opsbiz
 
CATS Redchip Presentation: Global Online Conference August 2017
CATS Redchip Presentation: Global Online Conference August 2017CATS Redchip Presentation: Global Online Conference August 2017
CATS Redchip Presentation: Global Online Conference August 2017RedChip Companies, Inc.
 

Similar to Comparing Healthcare Benefits in Indiana (20)

Colonial Life And Accident Broker Presentation 1011
Colonial Life And Accident Broker Presentation 1011Colonial Life And Accident Broker Presentation 1011
Colonial Life And Accident Broker Presentation 1011
 
Healthcare Benefit Cost Strategies for 2012
Healthcare Benefit Cost Strategies for 2012Healthcare Benefit Cost Strategies for 2012
Healthcare Benefit Cost Strategies for 2012
 
Combatting the Effects of Inflation: Keeping Benefits Competitive While Cutti...
Combatting the Effects of Inflation: Keeping Benefits Competitive While Cutti...Combatting the Effects of Inflation: Keeping Benefits Competitive While Cutti...
Combatting the Effects of Inflation: Keeping Benefits Competitive While Cutti...
 
2017 Annual Meeting of Shareholders
2017 Annual Meeting of Shareholders2017 Annual Meeting of Shareholders
2017 Annual Meeting of Shareholders
 
Total Compensation Considerations for Nonprofits
Total Compensation Considerations for NonprofitsTotal Compensation Considerations for Nonprofits
Total Compensation Considerations for Nonprofits
 
BrokerEdge - Dec 2009
BrokerEdge - Dec 2009BrokerEdge - Dec 2009
BrokerEdge - Dec 2009
 
Credit suisse-presentation-nov-8-final
Credit suisse-presentation-nov-8-finalCredit suisse-presentation-nov-8-final
Credit suisse-presentation-nov-8-final
 
VistaNational Resource Library
VistaNational Resource LibraryVistaNational Resource Library
VistaNational Resource Library
 
Open Enrollment Metrics Report Template
Open Enrollment Metrics Report TemplateOpen Enrollment Metrics Report Template
Open Enrollment Metrics Report Template
 
Healthcare Valuations in an Era of Reform and Uncertainty
Healthcare Valuations in an Era of Reform and UncertaintyHealthcare Valuations in an Era of Reform and Uncertainty
Healthcare Valuations in an Era of Reform and Uncertainty
 
Towers Perrin's Health Care 360 Performance Study - Value for Your Organization
Towers Perrin's Health Care 360 Performance Study - Value for Your OrganizationTowers Perrin's Health Care 360 Performance Study - Value for Your Organization
Towers Perrin's Health Care 360 Performance Study - Value for Your Organization
 
Challenges in Executive Compensation: Are You and Your Board Prepared?
Challenges in Executive Compensation: Are You and Your Board Prepared?Challenges in Executive Compensation: Are You and Your Board Prepared?
Challenges in Executive Compensation: Are You and Your Board Prepared?
 
WellPoint 2004 summary annual report
WellPoint 2004 summary annual report WellPoint 2004 summary annual report
WellPoint 2004 summary annual report
 
Catasys Presentation March 2020
Catasys Presentation March 2020Catasys Presentation March 2020
Catasys Presentation March 2020
 
Do-it-Yourself Health Care –The Health Savings Account
Do-it-Yourself Health Care –The Health Savings AccountDo-it-Yourself Health Care –The Health Savings Account
Do-it-Yourself Health Care –The Health Savings Account
 
October Webinar
October WebinarOctober Webinar
October Webinar
 
9 18 web presentation
9 18 web presentation9 18 web presentation
9 18 web presentation
 
Vigor Source 4 27 09 Presentation
Vigor Source 4 27 09 PresentationVigor Source 4 27 09 Presentation
Vigor Source 4 27 09 Presentation
 
CATS Redchip Presentation: Global Online Conference August 2017
CATS Redchip Presentation: Global Online Conference August 2017CATS Redchip Presentation: Global Online Conference August 2017
CATS Redchip Presentation: Global Online Conference August 2017
 
May
MayMay
May
 

More from Nyhart Actuary & Employee Benefit Consultancy (7)

The Hidden Costs to Participants of High-Fee Funds In Your Portfolio
The Hidden Costs to Participants of High-Fee Funds In Your PortfolioThe Hidden Costs to Participants of High-Fee Funds In Your Portfolio
The Hidden Costs to Participants of High-Fee Funds In Your Portfolio
 
Liability Driven Investing to Achieve Better Pension Returns
Liability Driven Investing to Achieve Better Pension ReturnsLiability Driven Investing to Achieve Better Pension Returns
Liability Driven Investing to Achieve Better Pension Returns
 
10 Questions to ask your 401(k) or 403(b) Vendor To Get Fee Transparency
10 Questions to ask your 401(k) or 403(b) Vendor To Get Fee Transparency10 Questions to ask your 401(k) or 403(b) Vendor To Get Fee Transparency
10 Questions to ask your 401(k) or 403(b) Vendor To Get Fee Transparency
 
A Financial Advisors Guide to Cash Balance Retirement Plans
A Financial Advisors Guide to Cash Balance Retirement PlansA Financial Advisors Guide to Cash Balance Retirement Plans
A Financial Advisors Guide to Cash Balance Retirement Plans
 
The Impact of IRS Regulation 408(b)(2) & Your 401(k)
The Impact of IRS Regulation 408(b)(2) & Your 401(k)The Impact of IRS Regulation 408(b)(2) & Your 401(k)
The Impact of IRS Regulation 408(b)(2) & Your 401(k)
 
Managing a Frozen Pension Plan
Managing a Frozen Pension PlanManaging a Frozen Pension Plan
Managing a Frozen Pension Plan
 
High Pension Costs: When and Where is the Peak
High Pension Costs: When and Where is the PeakHigh Pension Costs: When and Where is the Peak
High Pension Costs: When and Where is the Peak
 

Recently uploaded

Housewife Call Girls Hsr Layout - Call 7001305949 Rs-3500 with A/C Room Cash ...
Housewife Call Girls Hsr Layout - Call 7001305949 Rs-3500 with A/C Room Cash ...Housewife Call Girls Hsr Layout - Call 7001305949 Rs-3500 with A/C Room Cash ...
Housewife Call Girls Hsr Layout - Call 7001305949 Rs-3500 with A/C Room Cash ...narwatsonia7
 
call girls in munirka DELHI 🔝 >༒9540349809 🔝 genuine Escort Service 🔝✔️✔️
call girls in munirka  DELHI 🔝 >༒9540349809 🔝 genuine Escort Service 🔝✔️✔️call girls in munirka  DELHI 🔝 >༒9540349809 🔝 genuine Escort Service 🔝✔️✔️
call girls in munirka DELHI 🔝 >༒9540349809 🔝 genuine Escort Service 🔝✔️✔️saminamagar
 
Call Girls Frazer Town Just Call 7001305949 Top Class Call Girl Service Avail...
Call Girls Frazer Town Just Call 7001305949 Top Class Call Girl Service Avail...Call Girls Frazer Town Just Call 7001305949 Top Class Call Girl Service Avail...
Call Girls Frazer Town Just Call 7001305949 Top Class Call Girl Service Avail...narwatsonia7
 
Case Report Peripartum Cardiomyopathy.pptx
Case Report Peripartum Cardiomyopathy.pptxCase Report Peripartum Cardiomyopathy.pptx
Case Report Peripartum Cardiomyopathy.pptxNiranjan Chavan
 
97111 47426 Call Girls In Delhi MUNIRKAA
97111 47426 Call Girls In Delhi MUNIRKAA97111 47426 Call Girls In Delhi MUNIRKAA
97111 47426 Call Girls In Delhi MUNIRKAAjennyeacort
 
Call Girls Viman Nagar 7001305949 All Area Service COD available Any Time
Call Girls Viman Nagar 7001305949 All Area Service COD available Any TimeCall Girls Viman Nagar 7001305949 All Area Service COD available Any Time
Call Girls Viman Nagar 7001305949 All Area Service COD available Any Timevijaych2041
 
High Profile Call Girls Kodigehalli - 7001305949 Escorts Service with Real Ph...
High Profile Call Girls Kodigehalli - 7001305949 Escorts Service with Real Ph...High Profile Call Girls Kodigehalli - 7001305949 Escorts Service with Real Ph...
High Profile Call Girls Kodigehalli - 7001305949 Escorts Service with Real Ph...narwatsonia7
 
Russian Call Girl Brookfield - 7001305949 Escorts Service 50% Off with Cash O...
Russian Call Girl Brookfield - 7001305949 Escorts Service 50% Off with Cash O...Russian Call Girl Brookfield - 7001305949 Escorts Service 50% Off with Cash O...
Russian Call Girl Brookfield - 7001305949 Escorts Service 50% Off with Cash O...narwatsonia7
 
Glomerular Filtration rate and its determinants.pptx
Glomerular Filtration rate and its determinants.pptxGlomerular Filtration rate and its determinants.pptx
Glomerular Filtration rate and its determinants.pptxDr.Nusrat Tariq
 
Hemostasis Physiology and Clinical correlations by Dr Faiza.pdf
Hemostasis Physiology and Clinical correlations by Dr Faiza.pdfHemostasis Physiology and Clinical correlations by Dr Faiza.pdf
Hemostasis Physiology and Clinical correlations by Dr Faiza.pdfMedicoseAcademics
 
Call Girls Service Nandiambakkam | 7001305949 At Low Cost Cash Payment Booking
Call Girls Service Nandiambakkam | 7001305949 At Low Cost Cash Payment BookingCall Girls Service Nandiambakkam | 7001305949 At Low Cost Cash Payment Booking
Call Girls Service Nandiambakkam | 7001305949 At Low Cost Cash Payment BookingNehru place Escorts
 
Noida Sector 135 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few C...
Noida Sector 135 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few C...Noida Sector 135 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few C...
Noida Sector 135 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few C...rajnisinghkjn
 
Housewife Call Girls Bangalore - Call 7001305949 Rs-3500 with A/C Room Cash o...
Housewife Call Girls Bangalore - Call 7001305949 Rs-3500 with A/C Room Cash o...Housewife Call Girls Bangalore - Call 7001305949 Rs-3500 with A/C Room Cash o...
Housewife Call Girls Bangalore - Call 7001305949 Rs-3500 with A/C Room Cash o...narwatsonia7
 
Call Girls Jayanagar Just Call 7001305949 Top Class Call Girl Service Available
Call Girls Jayanagar Just Call 7001305949 Top Class Call Girl Service AvailableCall Girls Jayanagar Just Call 7001305949 Top Class Call Girl Service Available
Call Girls Jayanagar Just Call 7001305949 Top Class Call Girl Service Availablenarwatsonia7
 
9873777170 Full Enjoy @24/7 Call Girls In North Avenue Delhi Ncr
9873777170 Full Enjoy @24/7 Call Girls In North Avenue Delhi Ncr9873777170 Full Enjoy @24/7 Call Girls In North Avenue Delhi Ncr
9873777170 Full Enjoy @24/7 Call Girls In North Avenue Delhi NcrDelhi Call Girls
 
Call Girls Hsr Layout Just Call 7001305949 Top Class Call Girl Service Available
Call Girls Hsr Layout Just Call 7001305949 Top Class Call Girl Service AvailableCall Girls Hsr Layout Just Call 7001305949 Top Class Call Girl Service Available
Call Girls Hsr Layout Just Call 7001305949 Top Class Call Girl Service Availablenarwatsonia7
 
VIP Call Girls Lucknow Nandini 7001305949 Independent Escort Service Lucknow
VIP Call Girls Lucknow Nandini 7001305949 Independent Escort Service LucknowVIP Call Girls Lucknow Nandini 7001305949 Independent Escort Service Lucknow
VIP Call Girls Lucknow Nandini 7001305949 Independent Escort Service Lucknownarwatsonia7
 
Call Girl Koramangala | 7001305949 At Low Cost Cash Payment Booking
Call Girl Koramangala | 7001305949 At Low Cost Cash Payment BookingCall Girl Koramangala | 7001305949 At Low Cost Cash Payment Booking
Call Girl Koramangala | 7001305949 At Low Cost Cash Payment Bookingnarwatsonia7
 
Dwarka Sector 6 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few Cl...
Dwarka Sector 6 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few Cl...Dwarka Sector 6 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few Cl...
Dwarka Sector 6 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few Cl...rajnisinghkjn
 
call girls in Connaught Place DELHI 🔝 >༒9540349809 🔝 genuine Escort Service ...
call girls in Connaught Place  DELHI 🔝 >༒9540349809 🔝 genuine Escort Service ...call girls in Connaught Place  DELHI 🔝 >༒9540349809 🔝 genuine Escort Service ...
call girls in Connaught Place DELHI 🔝 >༒9540349809 🔝 genuine Escort Service ...saminamagar
 

Recently uploaded (20)

Housewife Call Girls Hsr Layout - Call 7001305949 Rs-3500 with A/C Room Cash ...
Housewife Call Girls Hsr Layout - Call 7001305949 Rs-3500 with A/C Room Cash ...Housewife Call Girls Hsr Layout - Call 7001305949 Rs-3500 with A/C Room Cash ...
Housewife Call Girls Hsr Layout - Call 7001305949 Rs-3500 with A/C Room Cash ...
 
call girls in munirka DELHI 🔝 >༒9540349809 🔝 genuine Escort Service 🔝✔️✔️
call girls in munirka  DELHI 🔝 >༒9540349809 🔝 genuine Escort Service 🔝✔️✔️call girls in munirka  DELHI 🔝 >༒9540349809 🔝 genuine Escort Service 🔝✔️✔️
call girls in munirka DELHI 🔝 >༒9540349809 🔝 genuine Escort Service 🔝✔️✔️
 
Call Girls Frazer Town Just Call 7001305949 Top Class Call Girl Service Avail...
Call Girls Frazer Town Just Call 7001305949 Top Class Call Girl Service Avail...Call Girls Frazer Town Just Call 7001305949 Top Class Call Girl Service Avail...
Call Girls Frazer Town Just Call 7001305949 Top Class Call Girl Service Avail...
 
Case Report Peripartum Cardiomyopathy.pptx
Case Report Peripartum Cardiomyopathy.pptxCase Report Peripartum Cardiomyopathy.pptx
Case Report Peripartum Cardiomyopathy.pptx
 
97111 47426 Call Girls In Delhi MUNIRKAA
97111 47426 Call Girls In Delhi MUNIRKAA97111 47426 Call Girls In Delhi MUNIRKAA
97111 47426 Call Girls In Delhi MUNIRKAA
 
Call Girls Viman Nagar 7001305949 All Area Service COD available Any Time
Call Girls Viman Nagar 7001305949 All Area Service COD available Any TimeCall Girls Viman Nagar 7001305949 All Area Service COD available Any Time
Call Girls Viman Nagar 7001305949 All Area Service COD available Any Time
 
High Profile Call Girls Kodigehalli - 7001305949 Escorts Service with Real Ph...
High Profile Call Girls Kodigehalli - 7001305949 Escorts Service with Real Ph...High Profile Call Girls Kodigehalli - 7001305949 Escorts Service with Real Ph...
High Profile Call Girls Kodigehalli - 7001305949 Escorts Service with Real Ph...
 
Russian Call Girl Brookfield - 7001305949 Escorts Service 50% Off with Cash O...
Russian Call Girl Brookfield - 7001305949 Escorts Service 50% Off with Cash O...Russian Call Girl Brookfield - 7001305949 Escorts Service 50% Off with Cash O...
Russian Call Girl Brookfield - 7001305949 Escorts Service 50% Off with Cash O...
 
Glomerular Filtration rate and its determinants.pptx
Glomerular Filtration rate and its determinants.pptxGlomerular Filtration rate and its determinants.pptx
Glomerular Filtration rate and its determinants.pptx
 
Hemostasis Physiology and Clinical correlations by Dr Faiza.pdf
Hemostasis Physiology and Clinical correlations by Dr Faiza.pdfHemostasis Physiology and Clinical correlations by Dr Faiza.pdf
Hemostasis Physiology and Clinical correlations by Dr Faiza.pdf
 
Call Girls Service Nandiambakkam | 7001305949 At Low Cost Cash Payment Booking
Call Girls Service Nandiambakkam | 7001305949 At Low Cost Cash Payment BookingCall Girls Service Nandiambakkam | 7001305949 At Low Cost Cash Payment Booking
Call Girls Service Nandiambakkam | 7001305949 At Low Cost Cash Payment Booking
 
Noida Sector 135 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few C...
Noida Sector 135 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few C...Noida Sector 135 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few C...
Noida Sector 135 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few C...
 
Housewife Call Girls Bangalore - Call 7001305949 Rs-3500 with A/C Room Cash o...
Housewife Call Girls Bangalore - Call 7001305949 Rs-3500 with A/C Room Cash o...Housewife Call Girls Bangalore - Call 7001305949 Rs-3500 with A/C Room Cash o...
Housewife Call Girls Bangalore - Call 7001305949 Rs-3500 with A/C Room Cash o...
 
Call Girls Jayanagar Just Call 7001305949 Top Class Call Girl Service Available
Call Girls Jayanagar Just Call 7001305949 Top Class Call Girl Service AvailableCall Girls Jayanagar Just Call 7001305949 Top Class Call Girl Service Available
Call Girls Jayanagar Just Call 7001305949 Top Class Call Girl Service Available
 
9873777170 Full Enjoy @24/7 Call Girls In North Avenue Delhi Ncr
9873777170 Full Enjoy @24/7 Call Girls In North Avenue Delhi Ncr9873777170 Full Enjoy @24/7 Call Girls In North Avenue Delhi Ncr
9873777170 Full Enjoy @24/7 Call Girls In North Avenue Delhi Ncr
 
Call Girls Hsr Layout Just Call 7001305949 Top Class Call Girl Service Available
Call Girls Hsr Layout Just Call 7001305949 Top Class Call Girl Service AvailableCall Girls Hsr Layout Just Call 7001305949 Top Class Call Girl Service Available
Call Girls Hsr Layout Just Call 7001305949 Top Class Call Girl Service Available
 
VIP Call Girls Lucknow Nandini 7001305949 Independent Escort Service Lucknow
VIP Call Girls Lucknow Nandini 7001305949 Independent Escort Service LucknowVIP Call Girls Lucknow Nandini 7001305949 Independent Escort Service Lucknow
VIP Call Girls Lucknow Nandini 7001305949 Independent Escort Service Lucknow
 
Call Girl Koramangala | 7001305949 At Low Cost Cash Payment Booking
Call Girl Koramangala | 7001305949 At Low Cost Cash Payment BookingCall Girl Koramangala | 7001305949 At Low Cost Cash Payment Booking
Call Girl Koramangala | 7001305949 At Low Cost Cash Payment Booking
 
Dwarka Sector 6 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few Cl...
Dwarka Sector 6 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few Cl...Dwarka Sector 6 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few Cl...
Dwarka Sector 6 Call Girls ( 9873940964 ) Book Hot And Sexy Girls In A Few Cl...
 
call girls in Connaught Place DELHI 🔝 >༒9540349809 🔝 genuine Escort Service ...
call girls in Connaught Place  DELHI 🔝 >༒9540349809 🔝 genuine Escort Service ...call girls in Connaught Place  DELHI 🔝 >༒9540349809 🔝 genuine Escort Service ...
call girls in Connaught Place DELHI 🔝 >༒9540349809 🔝 genuine Escort Service ...
 

Comparing Healthcare Benefits in Indiana

Editor's Notes

  1. Because rates are averaged over two years, it will take a couple of years for costs to declinePlans will likely see high requirements drop quickly to zero within a few years of rates increasing
  2. Areas of Expertise Include: Cash Balance Plan Defined Benefit & Pension Defined Contribution & 401(k) Employee Stock Ownership Plan (ESOP) Flexible Spending, HRA & HSA Healthcare Actuarial ConsultingLearn more at www.nyhart.com
  3. Areas of Expertise Include: Cash Balance Plan Defined Benefit & Pension Defined Contribution & 401(k) Employee Stock Ownership Plan (ESOP) Flexible Spending, HRA & HSA Healthcare Actuarial ConsultingLearn more at www.nyhart.com