Bottom Line Health底线健康

Article source: http://www.articlecity.com/ . 文章来源： http://www.articlecity.com/ 。 Used with author's permission. 用作者的许可。

Choosing a health insurance plan is not as easy as it used to be.选择一个健康保险计划不容易，因为它使用的。 The distinctions among health plans have begun to blur as health benefits companies compete for your business.之间的区别保健计划已经开始模糊的保健福利公司竞争的业务。

Although there is no "best" health benefits plan, there are carriers that are a better fit than others for your business and your employees' health care needs.虽然没有“最好”的保健福利计划，有运营商认为是一个更适合比其他您的企业和员工的医疗保健需求。

As chief executive officer of VISTA, a health benefits company, I am not immune to the skyrocketing cost of health care.作为首席执行长的Vista ，一个健康福利公司，我不能幸免于暴涨保健费用。 As an employer, I face the same challenge you do of keeping health care costs affordable for VISTA's 1,000 Florida employees.作为一个雇主，我面对同样的挑战你保持医疗费用负担得起的Vista的1000年佛罗里达州的雇员。 My responsibility also extends to more than 10,000 South Florida employer groups and 330,000 VISTA members.我的责任范围还扩大到超过10000南佛罗里达州雇主团体及33.0万威斯特成员。

While many CEOs, presidents and CFOs complain about the cost of providing health benefits for their employees, they are rarely engaged in the process of selecting a health benefits company.虽然许多首席执行官，总裁和CFO们抱怨的费用提供保健福利的雇员，他们很少参与的过程中，选择一个健康福利公司。 Fortunately, South Florida employers enjoy a highly competitive marketplace when it comes to purchasing health benefits.幸运的是南佛罗里达州的雇主享有高度竞争的市场时，购买的健康效益。 While there are many carriers to choose from, the differences among each are few.虽然有许多运营商选择，之间的差异，每个却很少。 The network of providers, plan designs and services are all very similar.网络供应商，计划，设计和服务都非常相似。

So all things being equal, why pay more?因此，所有事情都是一样的，为什么付出更多吗？ How do you know which health benefits company is the right fit for your business?你怎么知道这些保健福利公司是适合您的企业？ Ask yourself these questions.问问自己这些问题。

As an employer, how much can I afford to contribute to the premium?作为一个雇主，有多少我可以负担作出贡献的保险费？

What benefits will serve the majority of my employees?什么好处将有助于我国大多数员工？

Will offering employees more choices save or cost me money?雇员将提供更多的选择保存或费用我钱吗？

Does the plan have an adequate number of providers?该计划是否有足够数量的供应商？

Evaluating cost评估费用

Business owners are searching for ways to reduce their health care expenses.企业所有者正在寻找新途径来降低他们的医疗保健费用。 Look for a carrier that administers your health benefits plan efficiently.寻找承运人管理您的健康福利计划的效率。

Administrative charges are a carrier's overhead costs.行政事业性收费是运营商的间接费用。 They are included in your premium and can vary significantly.它们是包含在您的溢价，可以极大的不同。 These charges include processing and paying claims, answering customer calls, marketing and advertising costs, and broker commission payments.这些指控包括加工和支付索赔，接听客户电话，营销和广告费用，并支付中间人佣金。 Carriers with lower administrative costs usually are much more affordable than those with high administrative costs.运营商降低行政成本通常更加低廉比那些行政费用高。 When reviewing proposals from health benefits companies, ask what they will charge you for administrative expenses.在审查的建议保健福利公司，问他们会向您收取的行政费用。

Offering employees a choice员工提供一个选择

Giving employees the freedom to choose their health plan will help educate them about the valuable benefit you offer, satisfy their need for health benefits and keep your premium contributions within your budget.让员工自由地选择他们的健康计划，将有助于使他们了解了宝贵的好处您提供满足他们需要的健康益处和保持您的保费贡献您的预算范围内。 Plan choices may vary by co-payment, network access and employee contribution.计划的选择可能会有所不同共同支付，网络接入和员工的贡献。 It will be the employee, not the employer, who is responsible for evaluating and choosing his or her health benefits plan.这将是雇员，而不是雇主，谁负责评估，并选择他或她的健康福利计划。

Employees will have to determine how often they use health care services, what they estimate those costs to be and how they want to access and pay for those services.雇员将不得不决定如何使用他们往往保健服务的，他们估计这些费用将和他们如何要存取和支付这些服务。

An adequate provider network适当的供应商网络

No health benefits plan covers every health expense an employee may have or includes every physician.没有健康福利的计划包括保健费用每一名雇员可能已经或包含每个医师。 You are purchasing group coverage.您所购买的群体覆盖范围。 As a business owner, you must evaluate whether the health benefits pIan you are considering offers an affordable level of benefits and a network that provides adequate accessibility for your employees.作为一个企业老板，你必须评估是否对健康的好处飞雁您正在考虑提供了一个可负担得起的水平的福利和一个网络，提供足够的方便您的员工。

Your bottom line你的底线

In South Florida, there can be as much as a 15 percent difference in cost among the health benefits companies you have to choose from.在南佛罗里达州，就不可能有多达15百分比差异的成本之间的保健福利公司你必须选择。 The health plan you select should be cost-competitive and offer a choice of health plans and an extensive provider network to meet the needs of your group.健康计划选择应成本竞争力，并提供一个选择的健康计划和广泛的供应商网络，以满足您的群组。

Whether your company has 20 employees or 1,000, your level of engagement in the decision-making process is vital in determining how health care costs will impact your company's bottom line.无论您的公司20名员工或1000 ，您程度的参与决策过程是至关重要的确定如何保健费用将影响贵公司的底线。 Standing on the sidelines could be a price you cannot afford to pay.站在场外可你的价格无法支付。

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