Gain An Advantage Over Your Competition By Controlling The Cost Of Your Health Insurance获得优势的竞争，通过控制成本的健康保险

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

As many of us expect, the New Year will bring both tremendous challenges and opportunities for all of us both personally and professionally.正如我们许多人的期望，新的一年将带来极大的机遇与挑战对我们所有人来说都亲自和职业道德。 Employers continue to face the major challenge of controlling the cost of their health insurance and other employee benefit programs.雇主继续面临的主要挑战是控制成本的健康保险及其他雇员福利计划。 Organizations that can best get a handle on the cost of their employee benefit programs have an excellent opportunity to gain an advantage over their competition.组织能够最好地掌控成本的雇员福利计划有一个极好的机会来赢得优势的竞争。

What are some practical ways to control the cost of your health insurance?什么是一些切实可行的方式来控制成本的健康保险？ Here are a few suggestions:这儿有一些建议：

1) Investigate all of your traditional and consumer directed health plan options. 1 ）调查所有的传统和消费者导向的健康保险计划的选择。 Many companies are easing into consumer directed plans by offering them as part of a "dual choice" program.许多公司正在放宽到消费导向计划，为他们提供的一部分， “双选择”计划。

2) Out of network benefits. 2 ）在网络的好处。 If your PPO network has adequate access to network providers, plan designs that strongly encourage the use of preferred providers save premium and claim dollars while the insured still gets the needed care at a discounted rate.如果您的多酚氧化酶网络已获得足够的网络供应商，规划设计，大力鼓励使用的首选供应商节省保费，并声称美元，而被保险人仍然需要得到照顾的折扣率。

3) Prescription drug coverage. 3 ）处方药覆盖面。 Rx plans that encourage the use of generics and require mandatory mail order for maintenance medications are an efficient use of your benefit dollars.接收计划，鼓励使用非专利的，需要强制性的邮购药品的维修是一种有效地利用您的利益美元。

4) Encourage wellness. 4 ）鼓励健康。 What is the old saying?什么是一句老话？ An ounce of prevention is worth a pound of gain.一盎司的预防胜过一磅的收益。

5) Consumerism. 5 ）消费。 Access to the tools necessary to be a "good" healthcare consumer will allow individuals to get the best care at the best price.获得必要的工具是一个“良好”的医疗保健消费将允许个人得到最好的照顾最好的价格。

If you do not have time to personally handle the suggestions made above, consider enlisting the services of an independent insurance broker that specializes in designing and evaluating health plan options.如果您没有时间亲自处理上述建议，可以考虑争取服务的一个独立的保险经纪公司，专门从事设计和评价的医疗保险计划的选择。 A good insurance broker should be able to save you time, money, and ultimately serve as a trusted resource for plan recommendations now and in the future.一个良好的保险经纪公司应当能够节省您的时间，金钱，并最终成为一个值得信赖的资源，计划建议在现在和将来。

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