Neuere Geschichte Der Deutschen - 2 Angebote vergleichen

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This item is printed on demand. Paperback. 64 pages. Original publisher: Washington : U. S. G. P. O. : For sale by the Supt. of Docs. , U. S. G. P. O. , 2005. LC Number: KF25 . E2 2004i OCLC Number: (OCoLC)58471144 Subject: Adverse selection (Insurance) -- United States. Excerpt: . . . 11 The problem is, the premium payment will not cover the cost of treating a diabetic, no matter how efficient the care is. So, why are premiums insufficient Because employers pay health insurers, based on an average cost payment. Health insurers charge the same rate for all potential en-rollees within a company. The problem is that individual members have vastly different ex-pected costs, depending on factors such as age, gender, and most importantly, the level of chronic illness they have. We know that a person with diabetes will, on average, cost many times that of a 20-year old, yet the health plan that enrolls either of these, receives the same payment. On a pure financial basis, whom would the insurer rather enroll Obviously, the healthy. Its a shame that Group Health has a disincentive to promote their award-winning diabetic care program. how do we correct for this BENU solves this by increasing the payment to the insurer for the more costly diabetic member, while lowering the payment for the less costly healthy member, what we call risk-adjusted pay-ments. Employers continue to pay BENU, average cost payments, but whats transformational is that BENU pays insurers risk-adjusted payments. Insurers now get a fair payment for both the sick, as well as the healthy. The large chart over in the corner demonstrates the amount of premium that we actually move between carriers by employer group, which well probably touch on later. Chart appears in the Submissions for the Record on page 49. The results are profound: Health insurers now have an incentive in enrolling the chron-ically ill, as well as the healthy. They wont fear financial losses, if they enroll a disproportionate share of the diabetics. Employers can now offer a choice . . . This item ships from La Vergne,TN.

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United States Congress Joint, Michael Ignaz Schmidt, Paperback, German-language edition, Pub by General Books LLC.