Balance Four Areas

1. Balance Four Areas Rates Coverage Service Network Employer Employee Needs Rates:How much can your company afford? What will be your contribution ? How much do you charge your employees? Coverage: Do you want an HMO or PPO ? A $20 copay costs less than a $15 copay. Service: Some companies do a better job of servicing their clients than others. Network: Is the hospital / physician listing satisfactory? Few plans will include all of your employees doctors.

2. These four components Effective Date Rates today are less than they will be tomorrow. + Plan Design A $20 copayment costs less than a $15 copayment. + Demographics As we get older we cost more – 400% + Medical Conditions Medical conditions can effect your rates – 400%. Add Up To Your Rates