Benefits 101
03/16/2006
The competitive set is heating up. It's only a matter of time before the window of opportunity will close:
In April of this year Blue Cross of California started to accept Matricula Consular IDs for the purchase of health care insurance.
Aetna already places advertising in Spanish-language magazines. They have Spanish-speaking nurses on 24-7 information lines. And they have Spanish-language print and video materials.
PacificCare has a Spanish-language website . They participate in scholarship programs for Hispanics and are in the process of translating marketing and informational brochures for Hispanic policyholders.
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03/14/2006
To meet the diverse needs of our employees we provide an extensive benefits plan as part of our Total Compensation Package. The Benefit Plan provides security and contributes to the health and well-being of you and your family. Benefits are provided for eligible employees of the Government of Yukon, Members of the Legislative Assembly, for persons employed under the Cabinet and Caucus Employees Act and for former employees receiving pension benefits.
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03/07/2006
Blue Cross Blue Shield of North Carolina reported a 12 percent jump in revenue for 2005 over 2004, along with a 7 percent increase in net income over the same period.
The Chapel Hill-based health insurer, the largest in the state with more than 3.3 million customers, also anticipates raising premiums by double digits (11 to 13 percent) in 2006, despite a reserve fund of approximately $980 million.
Dan Glaser, BCBSNC's chief financial officer, said in a news conference Friday that the reserve fund equals about 3.
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02/22/2006
These are the traditional fee-for-service insurance plans. You pay
a monthly premium to an insurance company and in return it covers
a portion of your dental expenses. Some typical features of these
plans:
High deductibles before coverage begins (well-designed plans
don't apply the deductible to preventive services)
Probationary periods on certain procedures that last up to a
year
Annual dollar limit on benefits
Chose your own dentist
Your average monthly cost: $19 to $25
Companies selling these plans are regulated by state insurance
departments.
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01/26/2006
"It's the best of both worlds," she says. "You still have plenty of choice in the dentist you see, yet there is a significant cost savings."
If you don't have dental insurance coverage at work, you may have already figured out it isn't terribly cost-effective to buy a PPO policy on your own. An annual premium of $400 or so for an individual plan ($1,200 or more for a family) is a lot to pay for 100 percent coverage of checkups and cleanings.
And for restorative care, like fillings or root canals, you typically need to sit out a three- to 18-month waiting period before you get any coverage.
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