The Self-Insured Employee Benefit Plan as a Foundation for Risk/Population Health Management
Originally published by Cammack LaRhette, 2010
Hospitals and healthcare systems have always been in a unique position when it comes to health insurance benefits for their own workforce. Often, hospitals self insure their plans with the idea of driving expenditures within their own health system and reducing expense as it relates to premium dollars and/or claims paid to their competitors. Through plan design and/or cost shifting; healthcare employers provide incentives to stay “domestic” and the plan experiences only the incremental costs of providing these benefits. The underlying concept is that the healthcare employer is managing the “risk” of their employee population in a way that the future vision of health reform would have the health of the nation managed.
However, health management of the hospital’s employees and dependents typically stopped there.
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