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The document discusses the Federal Employee Health Benefits program (FEHB) which provides private health insurance to federal employees. It notes that FEHB includes over 250 competing plans like those from Blue Cross Blue Shield. Similar to other private plans, FEHB determines what doctors, drugs, hospitals and treatments are covered, and penalties for not following the rules. The proposal is for a web application to provide federal employees easier access to their Blue Cross Blue Shield health insurance information and options, especially during emergencies, which could save them money and time, and even lives. If successful, it could pave the way for similar tools helping insurance consumers nationwide.
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The document discusses voluntary disability insurance and its benefits. It notes that disability causes nearly 50% of mortgage foreclosures compared to 2% from death. It also states that group voluntary long-term disability insurance through an employer provides affordable protection for employees and growth opportunities for insurance providers. The annual premium for group voluntary LTD through Assurant Employee Benefits is on average $321, much lower than the $1,856 average for individual LTD policies.
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This document summarizes how recent health care legislation impacts dentistry. It discusses the ADA's goals of fixing Medicaid, improving oral health prevention and wellness, and rebuilding public health infrastructure. Key points of the legislation include expanding Medicaid coverage but not including dental benefits for adults, improving oral health prevention programs, and amendments around dental training programs and Native American dental providers. The document outlines ongoing lobbying efforts around implementation and opposing harmful provisions.
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2) The webinar will demonstrate how brokers can partner with insurance companies to offer self-funded plans bundled with options like HSAs, HRAs, and FSAs at discounted rates while maintaining control over clients.
3) Recent changes to healthcare legislation will likely increase costs, but the webinar will show how self-funded plans can help brokers and clients benefit from legislative changes.
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According to a CDC report, in 2012 over 2.5 million people visited the emergency room and 200,000 were hospitalized due to car crashes, totaling $18 billion in lifetime medical costs. Young people aged 15-29 made up 38% of injuries while those over 80 had the highest hospitalization rate at 33%. Overall, medical costs from crashes have decreased by $1.7 billion and lost work costs by $2.3 billion compared to 2002, but there is still room for improvement through effective prevention techniques.
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The document provides an overview of the impact of federal health reform in Oregon. Key points include:
- Medicaid expansion will provide coverage to low-income adults up to 133% of poverty and tax credits through the state health insurance exchange will help individuals up to 400% of poverty.
- The law aims to transform care delivery through payment reform, increased community health center funding, workforce investments, and quality standards, but does not fully address delivery system or coverage issues.
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According to a CDC report, in 2012 over 2.5 million people visited the emergency room and 200,000 were hospitalized due to car crashes, totaling $18 billion in lifetime medical costs. Young people aged 15-29 made up 38% of injuries while those over 80 had the highest hospitalization rate at 33%. Overall, medical costs from crashes have decreased by $1.7 billion and lost work costs by $2.3 billion compared to 2002, but there is still room for improvement through effective prevention techniques.
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This plan deals with relevant issues over the interaction between public policies and society in the implementation of productive oriented microcredit for family agribusiness, micro-entrepreneurs and informal entrepreneurs. The research briefly describes the local reality and the actors involved to, finally, analyze the challenges of fostering socioeconomic development through credit-based public policies. Throughout this work, it discusses the impact of this interaction for public policies’ formulation an implementation processes and its influence in the local context. Nonetheless, it studies the main lessons or best practices revealed by the cases studied. The qualitative research methodology was performed by the use of documentary research and field investigation, both in Brazil and France. Nonetheless, it is based in the conceptual framework regarding microcredit, especially the ones targeting farmers and entrepreneurs.More Related Content
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NACDD: Designing Long Term Services and Supports for the I/DD Population- A V...
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Social Security Insurance Programs – Some Facts to Know
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Healthcare Reform Proving To Be A Calendar Challenge - John Baresky, #baresky
Colleges try to sneak out of health coverage for students
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FINANCIAMENTO DA PRODUÇÃO AGRÍCOLA SUSTENTÁVEL FAMILIAR NO BRASIL E NA FRANÇA...
FINANCIAMENTO DA PRODUÇÃO AGRÍCOLA SUSTENTÁVEL FAMILIAR NO BRASIL E NA FRANÇA...Maria Alice Cabral Maia
O presente relatório aborda os principais pontos de aprendizado obtidos durante a participação no programa Ciência sem Fronteiras, no primeiro semestre de 2012, em cooperação entre a Fundação Getulio Vargas (FGV-EAESP) e a HEC Paris. Buscou-se conhecer os principais diferenciais dos programas de microcrédito e financiamento no Brasil e na França e sua aplicação em realidades distintas. Com a realização da pesquisa foi possível obter informações sobre modelos de interação entre programas da área pública e bancos comunitários orientados para a oferta de crédito para o agronegócio familiar e analisar a capacidades de produzir resultado positivo e mitigar dificuldades recorrentes nos modelos de atuação existentes. Neste relatório são destacados os processos percebidos como relevantes e os primeiros resultados obtidos, que irão colaborar com a pesquisa: Cadeia de valor da Agricultura Familiar –inovações e necessidades apontadas por experiências brasileiras, projeto mais amplo vinculado ao Centro de Estudos em Administração Pública e Governo da FGV, que busca identificar e analisar fatores condicionantes e oportunidades para a agricultura familiar brasileira.
This single report describes the main learning points taken from the participation in the scholarship “Ciência sem Fronteiras”, in the first semestre of 2012, in cooperation between Fundação Getulio Vargas (FGV-EAESP) and HEC Paris. Towards this observations, the objective is to get to know the main differential of microcredit and financing programs in Brazil and in France, and their different applications. During the research it was possible to obtain data about interaction models between governmental programs and communitarian banks focused in the credit for familiar agriculture. Also, the research focus in the analysis of the capacities of generating positive result and mitigating the existing problems in the current models. In this report are highlighted the main process and the first results that will lead a second research: Familiar Agriculture Value Chain – Innovations and needs of Brazilian experiences. This second research is a bigger project guided by the Government and Public Management Research Centre (GVCeapg), and looks towards identifying and analyzing opportunities, drivers and restraints for the Brazilian familiar agriculture.
Microcrédito Produtivo Orientado - um estudo sobre políticas públicas no Bras...
Microcrédito Produtivo Orientado - um estudo sobre políticas públicas no Bras...Maria Alice Cabral Maia
Este trabalho aborda a interação entre poder público e sociedade civil para a implementação de microcrédito produtivo orientado para agricultores familiares, microempreendedores e empreendedores informais. A pesquisa traz uma descrição da realidade local e dos atores envolvidos para analisar os desafios da viabilização do desenvolvimento socioeconômico a partir da oferta de politicas públicas de apoio ao crédito. Ao longo deste trabalho são abordados temas como o impacto de tal interação para os processos de formulação e de implementação da política pública, além de sua influência na realidade local. Além disso, são abordadas as principais lições ou melhores práticas reveladas pelos casos estudados. A metodologia de pesquisa de vertente qualitativa foi realizada por meio de pesquisa documental e de investigação de campo no Brasil e na França, e é fundamentada em referencial teórico sobre microcrédito, especialmente focalizando agricultores e pequenos empreendedores como públicos alvo destas políticas.
This plan deals with relevant issues over the interaction between public policies and society in the implementation of productive oriented microcredit for family agribusiness, micro-entrepreneurs and informal entrepreneurs. The research briefly describes the local reality and the actors involved to, finally, analyze the challenges of fostering socioeconomic development through credit-based public policies. Throughout this work, it discusses the impact of this interaction for public policies’ formulation an implementation processes and its influence in the local context. Nonetheless, it studies the main lessons or best practices revealed by the cases studied. The qualitative research methodology was performed by the use of documentary research and field investigation, both in Brazil and France. Nonetheless, it is based in the conceptual framework regarding microcredit, especially the ones targeting farmers and entrepreneurs.Untitled Presentation
This short document promotes creating presentations using Haiku Deck on SlideShare. It encourages the reader to get started making their own Haiku Deck presentation by providing a button to click to begin the process. The document is advertising the creation of presentations on Haiku Deck and SlideShare.
Risks and strategies
The document discusses the Federal Employee Health Benefits program (FEHB) which provides private health insurance to federal employees through competing plans including Blue Cross Blue Shield. It notes that FEHB plans have restrictions on which doctors and treatments are covered that consumers must follow or risk paying full costs. The proposal is for a web application to allow federal employees to more easily access and understand their Blue Cross Blue Shield health insurance benefits and options on mobile devices during emergencies or for planning care. This could save consumers money and time while improving health outcomes and respect for the insurance company. If not addressed, misinformed consumers could face high medical bills or be denied care.
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Origin is Australia's leading integrated energy company that provides energy risk management services to large commercial and industrial clients. Total annual energy consumption among Origin's major customers is around 70 TWh of electricity and 320 PJ of gas. Since the 1960s, gas reserves in Eastern Australia have increased significantly through exploration and development of resources in several basins. LNG exports from Queensland are projected to become the largest source of gas demand in Eastern Australia by 2016. Electricity demand growth forecasts have been revised downwards, which may reduce growth in gas-fired power generation. Effective energy risk management requires understanding all aspects of the energy supply chain.
CIPSA Presentation - Feb 2011
Origin is Australia's largest energy retailer and generator following its acquisition of Integral Energy and Country Energy. When purchasing energy, commercial and industrial customers represent a large market worth $4 billion annually. Purchasing processes are well defined but can run into issues. Origin focuses on creating value for customers rather than being the lowest price supplier. It advocates defining needs clearly and using a relationship-based approach to problem solving to best meet customer goals.
Android Study Jams - GDG Dois Vizinhos
The document discusses the results of a study on the impact of COVID-19 lockdowns on air pollution. Researchers found that lockdowns led to significant short-term reductions in nitrogen dioxide and fine particulate matter pollution globally as transportation and industrial activities declined substantially. However, the document notes that the improvements in air quality were temporary and pollution levels rose back to pre-pandemic levels as restrictions eased and activity increased again.
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This document provides an overview of the Australian energy markets from Origin's perspective in 2011. It discusses Origin's position in fuel resources, retail, and generation. It notes the uncertainty around issues like the carbon price, gas supply, and renewable energy targets and technologies. It also summarizes the state of the wholesale electricity market, noting relatively low prices but high price risk beyond 2012 due to lack of market liquidity and transparency. Overall, the document concludes that while energy is cheaper than the previous year, uncertainty is higher, making expertise more valuable for commercial customers developing energy purchasing strategies.
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This document summarizes Origin's presentation on managing energy risk in 2010. It discusses Origin's portfolio and natural gas reserves. It also outlines Origin's market share in eastern Australia for gas and electricity customers. Additionally, it provides tips for reducing energy purchasing costs, including preparation, negotiation, execution, purchasing strategy, market awareness, and relationship management. The document also summarizes updates on the renewable energy target and carbon pricing policies in Australia.
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The Islamic Freedom Foundation (TIFF) was established in 1996 as a non-profit organization with the sole purpose of conducting dawah (calling people to Islam). TIFF aims to greatly expand dawah efforts in the US through various programs and services. These include distributing Islamic literature, producing educational media, training people in dawah, and providing social services to prisoners and the homeless to help them become productive members of society. TIFF seeks to communicate about Islam using modern technology and build partnerships to promote the religion of Islam in America.
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FINANCIAMENTO DA PRODUÇÃO AGRÍCOLA SUSTENTÁVEL FAMILIAR NO BRASIL E NA FRANÇA...
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Microcrédito Produtivo Orientado - um estudo sobre políticas públicas no Bras...
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A health insurance roadmap
A health insurance roadmap takes a look at some simple solutions to the complex issues facing health insurance, medicare, medicaid, long term care insurance, and the high cost of health expenses in retirement.
This will work because so much of this is already in place and a lot of the rest would be quick and easy to implement. As in all areas, knowledge is power. Consumers can take control of your insurance portfolio by becoming educated about insurance. Better education and understanding will lead to positive results for consumers and for the insurance industry.
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This document provides an overview of the Affordable Care Act (ACA). It discusses key provisions of the law including expanding Medicaid eligibility, establishing health insurance marketplaces, mandating individuals have health insurance, and enforcing employer responsibilities. The document outlines how the ACA aims to increase access to health insurance through a combination of public programs, employer coverage, and online marketplace coverage. It also addresses ongoing implementation challenges and debates around the law.
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This document discusses the importance and benefits of voluntary (supplemental) insurance for businesses and employees. It makes three key points:
1) Voluntary insurance helps protect employees from unexpected medical costs and makes them more satisfied. It is an important part of an employer's benefits package for attracting and retaining talent.
2) Many employees are unprepared to manage the rising costs and responsibilities of healthcare. Voluntary insurance can provide financial protection from out-of-pocket costs like deductibles and coinsurance.
3) Voluntary insurance benefits both employers and employees. It boosts employee satisfaction and loyalty while costing employers little to nothing. It also supports healthier employees and lower workers compensation claims.
Newsletter Discussing Debt
The document summarizes recent studies and trends related to rising healthcare costs in the US. It discusses projections that healthcare spending will grow faster than GDP over the next decade and account for 20% of national spending by 2020. It also outlines strategies that large employers are using to better manage costs, such as engaging employees in wellness programs, linking provider strategies to quality outcomes, and using health technology. Additional sections provide updates on provisions and guidelines under the Affordable Care Act.
Newsletter Discussing Debt
The document discusses rising healthcare costs in the US and a new study projecting that health care spending will grow faster than GDP over the next decade. It also summarizes strategies that large employers are using to control costs, such as account-based health plans, engagement of employees in wellness programs, and accountability measures. Updates on the Affordable Care Act include expanded preventive coverage for women and guidelines for employer health subsidies in 2014.
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The document discusses rising healthcare costs in the US and a new study projecting that healthcare spending will increase substantially over the next decade. It also summarizes strategies that large employers are implementing to better manage costs, such as health improvement programs, engagement of employees, accountability measures, and use of technology. Finally, it provides legislative updates on expanded preventive care coverage for women and subsidies available through the Affordable Care Act.
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The document provides an overview of the Affordable Care Act (ACA) presented by Mary Meehan-Strub. It discusses key provisions and implications of the ACA, including:
- The ACA aims to expand access to affordable health insurance through provisions like the individual mandate, Medicaid expansion, health insurance marketplaces, and regulations on insurers.
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- The ACA impacts individuals, employers, insurers, and states. It seeks to balance improved access and affordability with personal and social responsibilities around health.
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The Patient Protection and Affordable Care Act (2010) is a pivotal p.docx
The Patient Protection and Affordable Care Act (2010) is a pivotal piece of legislation aimed to improve the current healthcare system in the United States. The legislation aims to ensure that all American citizens have access to good quality and affordable healthcare. One of the focal points of this act is that individuals will need to maintain minimum essential coverage or pay a penalty (Democratic Policy and Communications Center [DPCC], n.d.). Employers with more than 200 employees must also automatically enroll new, full-time employees in coverage.
Analyze the advantages and disadvantages of the legislation as it relates to mandatory insurance coverage.
Based on the information you reviewed on the act, respond to the following:
In your opinion, will mandatory health insurance create hardships for those families who cannot afford the premium and are not eligible for Medicaid or other financial assistance?
Could employers only employ contracted workers or part-time staff to avoid paying for mandatory health insurance for them? How feasible is it for employers to automatically enroll full-time employees?
What other specific objectives contained within the act do you think may come under scrutiny?
Support your statements with scholarly references and appropriate examples.
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Jeff Marks discusses strategies for medical brokers to consider as health care reform is implemented. He believes brokers will need to expand their offerings beyond traditional insurance to include ancillary products that provide added value. Specifically, he recommends telemedicine services that allow clients 24/7 access to doctors by phone for diagnosis and treatment. Telemedicine could reduce costs for employers and employees while increasing productivity. Marks also suggests other non-insurance products like discount programs and lifestyle benefits that pay brokers commissions. To prepare, brokers should develop new business models incorporating these innovative ancillary options to differentiate themselves and generate additional revenue streams.
Affordable care act seniors, medicare, insurance plans and funding
The Affordable Care Act impacts seniors in several key ways:
1) It expands Medicare benefits such as closing the prescription drug "donut hole" and adding preventive care coverage without costs.
2) While there are Medicare payment cuts, core benefits like hospital and medical insurance remain protected.
3) Medicare Advantage plans now have limits on administrative costs and better protections for seniors receiving certain treatments.
4) The law also improves nursing home transparency, strengthens elder abuse protections, and promotes home/community-based care.
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Deloitte is a global network of professional services firms that offers audit, consulting, risk advisory, and financial advisory services. It has member firms in over 150 countries worldwide that operate as separate legal entities. The document provides background information on Deloitte's legal structure and services, notes limitations on certain attest services for public accounting clients, and includes disclaimers around the general and non-professional nature of the publication's content. It also provides copyright information for Deloitte and the publication.
Health Insurance Trends 2020
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This document discusses the Affordable Care Act and its provisions regarding pre-existing conditions. It notes that the ACA aims to expand insurance coverage, reduce costs, and increase quality and affordability of healthcare. A key part is that it prohibits insurance companies from denying coverage or charging more due to pre-existing conditions. While this improves access, it may also increase insurance costs. The document also examines strengths like expanded choice and protections, but weaknesses like potentially higher overall healthcare costs. It recommends focusing on lowering costs to prevent insurer bankruptcies from high medical bills.
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The document provides an overview of HMOs and PPOs in the US healthcare system. It defines HMOs as organizations that combine health insurance and healthcare delivery, requiring members to use providers in the HMO network. PPOs allow members to use out-of-network providers but with higher costs. The document then discusses key differences between the two models such as network size, cost structures, claims processes and more. It analyzes trends in HMOs and PPOs and concludes there is no single better option, as preferences depend on individual health needs and priorities around affordability versus flexibility of choice.
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Chapter 18
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Private and Government Healthcare Systems
In the United States, health insurance coverage is generally classified as either private (non-government) coverage or government-sponsored coverage.
Healthcare Coverage vs. Uninsured
The National Center for Health Statistics defines health insurance as public and private payers who cover medical expenditures incurred by a defined population in a variety of settings.
In the United States, the risk of becoming uninsured increases significantly for those earning low wages, the unemployed, and when employers are unable to provide insurance to workers.
Table 5-2 presents the trend of declining health insurance coverage.
Private Health Insurance
The concept of insurance is to combine the healthcare experiences of many enrollees in order to reduce expenses for any one individual to a manageable prepayment amount.
Employment-Based Plans is coverage offered through one’s own employment or a relative’s employment.
It may be offered by an employer or by a union.
Private Health Insurance Continued
Direct-Purchase/Fee-For-Service Plans are the traditional type of healthcare policy.
The physician sets a price for each type of service delivered, and then the client or insurance company pays the fee.
This type of health insurance provides the most choices of doctors and hospitals.
Private Health Insurance Continued
The two kinds of fee-for-service coverage are basic and major medical.
Basic covers some hospital services and supplies, such as X-rays and prescribed medicine.
Major medical insurance covers the cost of long-term, high-cost illnesses or injuries plus whatever basic did not cover.
Private Health Insurance Continued
Group Contract Insurance—to make hospitals and physicians products and services affordable to ordinary people in the United States.
With unmanaged care (fee-for-service) payments, healthcare providers could increase the number of single services they deliver in order to increase profit.
Private Health Insurance Continued
Managed Care—manages the cost and delivery of healthcare services, the quality of that healthcare, and access to care.
Managed care influences how much healthcare clients can use.
Health Maintenance Organizations (HMOs) are prepaid health plans.
The goal of an HMO is to provide affordable, well-organized healthcare by allowing clients to prepay (capitation payment) on a regular monthly basis for all services provided.
Private Health Insurance Continued
Including physicians’ visits, hospital stays emergency care, surgery, laboratory (lab) tests, X-rays, and therapy for all members and their families.
There may be a small co-payment for each office visit, such as $15 for a doctor’s visit or $50 for hospital emergency room treatment.
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As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with an effective date January 1, 2014 or after:Individuals cannot be declined for health insurance or charged more due to their health status or gender.
Insurance premiums are based on age, your zip code and tobacco usage.
Coverage limitations or exclusions based on pre-existing conditions are not allowed.
Elimination of annual and lifetime coverage limits.
Prohibition of declining an individual for coverage based on their participation in an approved clinical trial.
Maternity and mental health are included on all policies.
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Whether or not your children are students they can stay on your policy until age 26.
Introduction of the Medical Loss Ratio (MLR) which ensures that 80% of the premium dollars paid to the health insurance issuer are spend on providing health care. An insurance company that does not do this must provide rebates to their policyholders
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.Financial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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1.2 Business Ideas Business Ideas Busine
Business Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas Powerpoint
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What’s the problem
- 2. The Federal Employee Health Benefits program (FEHB) is a private insurance program that is offered to the federal government employees, including the President and members of Congress. Demonstration of Problem within BCBS Federal Employee Plan
- 3. FEHB is comprised of over 250 competing private health insurance plans including those offered by Blue Cross Blue Shield. Similar to most private insurance plans, FEHBP stimulates which physicians you can see, which drugs are covered, deductibles and co-pays, whether you can see a specialist, whether and/or where you can be hospitalized, etc.
- 4. If these stimulations are not followed, the federal employee may be turned down for treatment or responsible for payment of the entire cost of the treatment received. There is a definite need for ways to access this type of health insurance information. When a health related emergency occurs, it will undoubtedly be more difficult to access Blue Cross Blue Shield's website in comparison to a cell phone with web application abilities. The web application we are proposing would allow for these employees to have additional ways to access heatlh care options and alternatives that will not only save them money and time, but may also save lives.
- 5. The FEHBP has helped lay the ground work for health care reform. Currently, federal employees, including the President and members of Congress are the main populations that would be affected by our web application proposal. However, this new product may pave the way for the development and implementation of similar web applications that would meet the needs of health insurance consumers nationwide. Possibility of Further Expansion
- 6. Apple Verizon Wireless/Motorola/HTC-Current developers of Droid phones Blue Cross Blue Shield Business Sponsors
- 7. First, how large is the market? What if this problem is not addressed? The government pays approximately 72% of each employee's insurance premiums and the employee is responsible for the remaining 28%. FEHBP covers 4.5 million federal employees at an annual cost of $40 billion dollars. We will be doing a disservice to people that want to make the right choices and take responsibility for the treatment they receive and the related costs. We will also allow insurance companies to take advantage of the mis-informed consumer that receives medical services from a provider outside his/her HMO. 28% 72% Overall, making Blue Cross Blue Shield FEHBP benefits accessible and convenient for their consumers will broaden their marketbase and gain respect from the healthcare industry.
- 8. Root Cause/Components of Problem BCBS insurance benefit packages are becoming more complex and costly. More competition within the private healthcare insurance marketplace carries over to the FEHB marketplace. Large consumer base with many plan options and policy guidelines. High costs and medical repercussions for the misinformed consumer. Current society needs of fast access to information. Need for system of gaining information that is user-friendly and easily accessible.