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Ähnlich wie Colonial Life And Accident Broker Presentation 1011
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Colonial Life And Accident Broker Presentation 1011
- 1. Unlocking CDHC October 5, 2011
- 3. Acronym Overload HRA LTC LTD HMO POS PPO HDHP NAHU FSA HSA PAHU GPAHU MSA HCR ERISA PPACA HIPAA COBRA LOA STD LPFSA CMS CRA DCA MERP PHI = CDHC ( C onsumers D on’ t H ave a C lue) CHIP TPA EAP VEBA IRS POP OTC
- 5. Contributing Factors Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Family Coverage, 1999-2010 $5,791 $6,438* $7,061* $8,003* $9,068* $9,950* $10,880* $11,480* $12,106* $12,680* $13,375* $13,770* * Estimate is statistically different from estimate for the previous year shown (p<.05). Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2010.
- 9. Contributing Factors Among Firms Offering Health Benefits, Percentage of Firms that Report They Made the Following Changes as a Result of the Economic Downturn, by Firm Size, 2010 *Estimate is statistically different between All Small Firms and All Large Firms within category (p<.05). Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2010.
- 10. TOP 5 EMPLOYER PRIORITIES Source: Deloitte Consulting (2006) Copyright © 2006 Deloitte Development LLC. All rights reserved. Employers’ number one employee benefit priority is to control healthcare costs.
- 14. TOP 5 EMPLOYER PRIORITIES Source: Deloitte Consulting (2006) Copyright © 2006 Deloitte Development LLC. All rights reserved. Employers’ number one employee benefit priority is to control healthcare costs.
- 16. TOOLS • FSA • HRA • HSA • Voluntary THE The Solution A Consumer-Driven Benefits Approach
- 20. FSA Win-Win Situation EMPLOYER Enhance employee benefits Improve recruitment and retention Increase FSA participation Unlock new FICA savings BROKER/VB SPECIALIST FSA options “ free ’ s up ” dollars to spend on voluntary benefits Employee savings help cushion increases in out-of-pocket expenses Offer employers an opportunity to offer enhanced benefits at no additional cost – the more employees that enroll, the greater the savings Help employees take the 1 st step in managing their own healthcare dollars EMPLOYEE Accelerate personal cash flow Manage account via internet Achieve immediate reimbursement End “shoe box” administration Reduce lost and unfiled claims Decrease FSA forfeitures
- 49. Integration • FSA • HRA • HSA • Management Technology THE
- 50. Card will not work at non-qualified vendors The Emergence of Technology THE SIGNIFICANCE OF SIMPLICITY Debit Cards eliminate the hassle of traditional FSA/HRA/HSAs IIAS Abilities Ease of use and understanding = satisfaction with the plan Single platform for multiple accounts FSA/HRA/HSA payment connectivity
Hinweis der Redaktion
- As we’ve seen in the previous section, you’re selling CDHC, not CDHP. You’re selling more than a plan, and this requires a more consultative approach than usual.
- As we’ve seen in the previous section, you’re selling CDHC, not CDHP. You’re selling more than a plan, and this requires a more consultative approach than usual.
- As we’ve seen in the previous section, you’re selling CDHC, not CDHP. You’re selling more than a plan, and this requires a more consultative approach than usual.