SlideShare a Scribd company logo
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 Malczyk
BPAS
 
Take Control & Reduce Health Care Spend
Take Control & Reduce Health Care SpendTake Control & Reduce Health Care Spend
Take Control & Reduce Health Care Spend
Proformative, Inc.
 
Self Directed Healthcare
Self Directed HealthcareSelf Directed Healthcare
Self Directed Healthcare
roberttjohnston
 
Consumer Directed Health Plans
Consumer Directed Health PlansConsumer Directed Health Plans
Consumer Directed Health Plans
Parker 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 Valuation
PYA, 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
 
Future Of Physcian Payments 081612
Future Of Physcian Payments 081612Future Of Physcian Payments 081612
Future Of Physcian Payments 081612
David J. Zetter, CHCC, CPCO, CPC, CPC-H, CHBC
 
21 century telehealth+health advocacy
21 century telehealth+health advocacy21 century telehealth+health advocacy
21 century telehealth+health advocacy
Mel Schlesinger
 
Future of Physcian Payments
Future of Physcian PaymentsFuture of Physcian Payments
Presentation Covers Physician Practice Compliance
Presentation Covers Physician Practice CompliancePresentation Covers Physician Practice Compliance
Presentation Covers Physician Practice Compliance
PYA, 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 111114
KFF
 
Primary Care Physician Compensation Model
Primary Care Physician Compensation  ModelPrimary Care Physician Compensation  Model
Primary Care Physician Compensation Model
Victor 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 Compensation
PYA, P.C.
 
Aflac Presentation
Aflac PresentationAflac Presentation
Aflac Presentation
aflac
 
Learning the New Language of Healthcare
Learning the New Language of HealthcareLearning the New Language of Healthcare
Learning the New Language of Healthcare
PYA, P.C.
 
Physican compensation presentation for physicians 270513
Physican compensation presentation for physicians 270513Physican compensation presentation for physicians 270513
Physican compensation presentation for physicians 270513
Patricia 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 Program
PYA, 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 1011
mrwhayes
 
Healthcare Benefit Cost Strategies for 2012
Healthcare Benefit Cost Strategies for 2012Healthcare Benefit Cost Strategies for 2012
Healthcare Benefit Cost Strategies for 2012
Nyhart Actuary & Employee Benefit Consultancy
 
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 Shareholders
Cardinal_Health
 
Total Compensation Considerations for Nonprofits
Total Compensation Considerations for NonprofitsTotal Compensation Considerations for Nonprofits
Total Compensation Considerations for Nonprofits
CBIZ, Inc.
 
BrokerEdge - Dec 2009
BrokerEdge - Dec 2009BrokerEdge - Dec 2009
BrokerEdge - Dec 2009
Claire Beauregard
 
Credit suisse-presentation-nov-8-final
Credit suisse-presentation-nov-8-finalCredit suisse-presentation-nov-8-final
Credit suisse-presentation-nov-8-final
Cardinal_Health
 
VistaNational Resource Library
VistaNational Resource LibraryVistaNational Resource Library
VistaNational Resource Library
rrobatzek
 
Open Enrollment Metrics Report Template
Open Enrollment Metrics Report TemplateOpen Enrollment Metrics Report Template
Open Enrollment Metrics Report Template
Benefitfocus
 
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
PYA, 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 Organization
welshms
 
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
 
Catasys Presentation March 2020
Catasys Presentation March 2020Catasys Presentation March 2020
Catasys Presentation March 2020
RedChip Companies, Inc.
 
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
Center for Health & Medical Affairs, University of St. Thomas
 
October Webinar
October WebinarOctober Webinar
October Webinar
dlinehan2
 
9 18 web presentation
9 18 web presentation9 18 web presentation
9 18 web presentation
Carol Buckmann
 
Vigor Source 4 27 09 Presentation
Vigor Source 4 27 09 PresentationVigor Source 4 27 09 Presentation
Vigor Source 4 27 09 Presentation
analyst_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 2017
RedChip Companies, Inc.
 
May
MayMay

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

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
Nyhart Actuary & Employee Benefit Consultancy
 
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
Nyhart Actuary & Employee Benefit Consultancy
 
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
Nyhart Actuary & Employee Benefit Consultancy
 
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
Nyhart Actuary & Employee Benefit Consultancy
 
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)
Nyhart Actuary & Employee Benefit Consultancy
 
Managing a Frozen Pension Plan
Managing a Frozen Pension PlanManaging a Frozen Pension Plan
Managing a Frozen Pension Plan
Nyhart Actuary & Employee Benefit Consultancy
 
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
Nyhart Actuary & Employee Benefit Consultancy
 

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

CHEMOTHERAPY_RDP_CHAPTER 4_ANTI VIRAL DRUGS.pdf
CHEMOTHERAPY_RDP_CHAPTER 4_ANTI VIRAL DRUGS.pdfCHEMOTHERAPY_RDP_CHAPTER 4_ANTI VIRAL DRUGS.pdf
CHEMOTHERAPY_RDP_CHAPTER 4_ANTI VIRAL DRUGS.pdf
rishi2789
 
Histopathology of Rheumatoid Arthritis: Visual treat
Histopathology of Rheumatoid Arthritis: Visual treatHistopathology of Rheumatoid Arthritis: Visual treat
Histopathology of Rheumatoid Arthritis: Visual treat
DIVYANSHU740006
 
Muscles of Mastication by Dr. Rabia Inam Gandapore.pptx
Muscles of Mastication by Dr. Rabia Inam Gandapore.pptxMuscles of Mastication by Dr. Rabia Inam Gandapore.pptx
Muscles of Mastication by Dr. Rabia Inam Gandapore.pptx
Dr. Rabia Inam Gandapore
 
Efficacy of Avartana Sneha in Ayurveda
Efficacy of Avartana Sneha in AyurvedaEfficacy of Avartana Sneha in Ayurveda
Efficacy of Avartana Sneha in Ayurveda
Dr. Jyothirmai Paindla
 
Top Effective Soaps for Fungal Skin Infections in India
Top Effective Soaps for Fungal Skin Infections in IndiaTop Effective Soaps for Fungal Skin Infections in India
Top Effective Soaps for Fungal Skin Infections in India
SwisschemDerma
 
LOOPS in orthodontics t loop bull loop vertical loop mushroom loop stop loop
LOOPS in orthodontics t loop bull loop vertical loop mushroom loop stop loopLOOPS in orthodontics t loop bull loop vertical loop mushroom loop stop loop
LOOPS in orthodontics t loop bull loop vertical loop mushroom loop stop loop
debosmitaasanyal1
 
Vestibulocochlear Nerve by Dr. Rabia Inam Gandapore.pptx
Vestibulocochlear Nerve by Dr. Rabia Inam Gandapore.pptxVestibulocochlear Nerve by Dr. Rabia Inam Gandapore.pptx
Vestibulocochlear Nerve by Dr. Rabia Inam Gandapore.pptx
Dr. Rabia Inam Gandapore
 
All info about Diabetes and how to control it.
 All info about Diabetes and how to control it. All info about Diabetes and how to control it.
All info about Diabetes and how to control it.
Gokuldas Hospital
 
Adhd Medication Shortage Uk - trinexpharmacy.com
Adhd Medication Shortage Uk - trinexpharmacy.comAdhd Medication Shortage Uk - trinexpharmacy.com
Adhd Medication Shortage Uk - trinexpharmacy.com
reignlana06
 
share - Lions, tigers, AI and health misinformation, oh my!.pptx
share - Lions, tigers, AI and health misinformation, oh my!.pptxshare - Lions, tigers, AI and health misinformation, oh my!.pptx
share - Lions, tigers, AI and health misinformation, oh my!.pptx
Tina Purnat
 
Identifying Major Symptoms of Slip Disc.
 Identifying Major Symptoms of Slip Disc. Identifying Major Symptoms of Slip Disc.
Identifying Major Symptoms of Slip Disc.
Gokuldas Hospital
 
CBL Seminar 2024_Preliminary Program.pdf
CBL Seminar 2024_Preliminary Program.pdfCBL Seminar 2024_Preliminary Program.pdf
CBL Seminar 2024_Preliminary Program.pdf
suvadeepdas911
 
Promoting Wellbeing - Applied Social Psychology - Psychology SuperNotes
Promoting Wellbeing - Applied Social Psychology - Psychology SuperNotesPromoting Wellbeing - Applied Social Psychology - Psychology SuperNotes
Promoting Wellbeing - Applied Social Psychology - Psychology SuperNotes
PsychoTech Services
 
Osteoporosis - Definition , Evaluation and Management .pdf
Osteoporosis - Definition , Evaluation and Management .pdfOsteoporosis - Definition , Evaluation and Management .pdf
Osteoporosis - Definition , Evaluation and Management .pdf
Jim Jacob Roy
 
Ear and its clinical correlations By Dr. Rabia Inam Gandapore.pptx
Ear and its clinical correlations By Dr. Rabia Inam Gandapore.pptxEar and its clinical correlations By Dr. Rabia Inam Gandapore.pptx
Ear and its clinical correlations By Dr. Rabia Inam Gandapore.pptx
Dr. Rabia Inam Gandapore
 
Role of Mukta Pishti in the Management of Hyperthyroidism
Role of Mukta Pishti in the Management of HyperthyroidismRole of Mukta Pishti in the Management of Hyperthyroidism
Role of Mukta Pishti in the Management of Hyperthyroidism
Dr. Jyothirmai Paindla
 
K CỔ TỬ CUNG.pdf tự ghi chép, chữ hơi xấu
K CỔ TỬ CUNG.pdf tự ghi chép, chữ hơi xấuK CỔ TỬ CUNG.pdf tự ghi chép, chữ hơi xấu
K CỔ TỬ CUNG.pdf tự ghi chép, chữ hơi xấu
HongBiThi1
 
Cell Therapy Expansion and Challenges in Autoimmune Disease
Cell Therapy Expansion and Challenges in Autoimmune DiseaseCell Therapy Expansion and Challenges in Autoimmune Disease
Cell Therapy Expansion and Challenges in Autoimmune Disease
Health Advances
 
Abortion PG Seminar Power point presentation
Abortion PG Seminar Power point presentationAbortion PG Seminar Power point presentation
Abortion PG Seminar Power point presentation
AksshayaRajanbabu
 
8 Surprising Reasons To Meditate 40 Minutes A Day That Can Change Your Life.pptx
8 Surprising Reasons To Meditate 40 Minutes A Day That Can Change Your Life.pptx8 Surprising Reasons To Meditate 40 Minutes A Day That Can Change Your Life.pptx
8 Surprising Reasons To Meditate 40 Minutes A Day That Can Change Your Life.pptx
Holistified Wellness
 

Recently uploaded (20)

CHEMOTHERAPY_RDP_CHAPTER 4_ANTI VIRAL DRUGS.pdf
CHEMOTHERAPY_RDP_CHAPTER 4_ANTI VIRAL DRUGS.pdfCHEMOTHERAPY_RDP_CHAPTER 4_ANTI VIRAL DRUGS.pdf
CHEMOTHERAPY_RDP_CHAPTER 4_ANTI VIRAL DRUGS.pdf
 
Histopathology of Rheumatoid Arthritis: Visual treat
Histopathology of Rheumatoid Arthritis: Visual treatHistopathology of Rheumatoid Arthritis: Visual treat
Histopathology of Rheumatoid Arthritis: Visual treat
 
Muscles of Mastication by Dr. Rabia Inam Gandapore.pptx
Muscles of Mastication by Dr. Rabia Inam Gandapore.pptxMuscles of Mastication by Dr. Rabia Inam Gandapore.pptx
Muscles of Mastication by Dr. Rabia Inam Gandapore.pptx
 
Efficacy of Avartana Sneha in Ayurveda
Efficacy of Avartana Sneha in AyurvedaEfficacy of Avartana Sneha in Ayurveda
Efficacy of Avartana Sneha in Ayurveda
 
Top Effective Soaps for Fungal Skin Infections in India
Top Effective Soaps for Fungal Skin Infections in IndiaTop Effective Soaps for Fungal Skin Infections in India
Top Effective Soaps for Fungal Skin Infections in India
 
LOOPS in orthodontics t loop bull loop vertical loop mushroom loop stop loop
LOOPS in orthodontics t loop bull loop vertical loop mushroom loop stop loopLOOPS in orthodontics t loop bull loop vertical loop mushroom loop stop loop
LOOPS in orthodontics t loop bull loop vertical loop mushroom loop stop loop
 
Vestibulocochlear Nerve by Dr. Rabia Inam Gandapore.pptx
Vestibulocochlear Nerve by Dr. Rabia Inam Gandapore.pptxVestibulocochlear Nerve by Dr. Rabia Inam Gandapore.pptx
Vestibulocochlear Nerve by Dr. Rabia Inam Gandapore.pptx
 
All info about Diabetes and how to control it.
 All info about Diabetes and how to control it. All info about Diabetes and how to control it.
All info about Diabetes and how to control it.
 
Adhd Medication Shortage Uk - trinexpharmacy.com
Adhd Medication Shortage Uk - trinexpharmacy.comAdhd Medication Shortage Uk - trinexpharmacy.com
Adhd Medication Shortage Uk - trinexpharmacy.com
 
share - Lions, tigers, AI and health misinformation, oh my!.pptx
share - Lions, tigers, AI and health misinformation, oh my!.pptxshare - Lions, tigers, AI and health misinformation, oh my!.pptx
share - Lions, tigers, AI and health misinformation, oh my!.pptx
 
Identifying Major Symptoms of Slip Disc.
 Identifying Major Symptoms of Slip Disc. Identifying Major Symptoms of Slip Disc.
Identifying Major Symptoms of Slip Disc.
 
CBL Seminar 2024_Preliminary Program.pdf
CBL Seminar 2024_Preliminary Program.pdfCBL Seminar 2024_Preliminary Program.pdf
CBL Seminar 2024_Preliminary Program.pdf
 
Promoting Wellbeing - Applied Social Psychology - Psychology SuperNotes
Promoting Wellbeing - Applied Social Psychology - Psychology SuperNotesPromoting Wellbeing - Applied Social Psychology - Psychology SuperNotes
Promoting Wellbeing - Applied Social Psychology - Psychology SuperNotes
 
Osteoporosis - Definition , Evaluation and Management .pdf
Osteoporosis - Definition , Evaluation and Management .pdfOsteoporosis - Definition , Evaluation and Management .pdf
Osteoporosis - Definition , Evaluation and Management .pdf
 
Ear and its clinical correlations By Dr. Rabia Inam Gandapore.pptx
Ear and its clinical correlations By Dr. Rabia Inam Gandapore.pptxEar and its clinical correlations By Dr. Rabia Inam Gandapore.pptx
Ear and its clinical correlations By Dr. Rabia Inam Gandapore.pptx
 
Role of Mukta Pishti in the Management of Hyperthyroidism
Role of Mukta Pishti in the Management of HyperthyroidismRole of Mukta Pishti in the Management of Hyperthyroidism
Role of Mukta Pishti in the Management of Hyperthyroidism
 
K CỔ TỬ CUNG.pdf tự ghi chép, chữ hơi xấu
K CỔ TỬ CUNG.pdf tự ghi chép, chữ hơi xấuK CỔ TỬ CUNG.pdf tự ghi chép, chữ hơi xấu
K CỔ TỬ CUNG.pdf tự ghi chép, chữ hơi xấu
 
Cell Therapy Expansion and Challenges in Autoimmune Disease
Cell Therapy Expansion and Challenges in Autoimmune DiseaseCell Therapy Expansion and Challenges in Autoimmune Disease
Cell Therapy Expansion and Challenges in Autoimmune Disease
 
Abortion PG Seminar Power point presentation
Abortion PG Seminar Power point presentationAbortion PG Seminar Power point presentation
Abortion PG Seminar Power point presentation
 
8 Surprising Reasons To Meditate 40 Minutes A Day That Can Change Your Life.pptx
8 Surprising Reasons To Meditate 40 Minutes A Day That Can Change Your Life.pptx8 Surprising Reasons To Meditate 40 Minutes A Day That Can Change Your Life.pptx
8 Surprising Reasons To Meditate 40 Minutes A Day That Can Change Your Life.pptx
 

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