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