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Embraceable you: how employers influence health plan enrollment.

Based on data from a 1999 national survey of 1,939 randomly selected employers, this paper examines the policies that affect the percentage of workers eligible for and enrolled in a firm's health plan. In 1994, 14 percent of employees worked for a firm offering cash-back payments, but fewer than 1 percent worked for a firm with income-related premiums or deductibles. The strongest determinants of eligibility rates are the waiting time for new employees before they are deemed eligible, and eligibility standards for part-time workers. The primary determinants of the take-up rate are lowest monthly employee contribution for single coverage, and the percentage of the workforce earning less than $20,000 per year.

Community Participation↗

Pharmaceutical management strategies of industrialized countries.

Health care costs as a percentage of the gross national product have been increasing in most industrialized countries. As part of the trend, pharmaceutical expenditures also have been rising. In many countries, pharmaceutical costs are the largest single health care expenditure. In an effort to contain rising costs, governments are exploring a variety of pharmaceutical management strategies. These include price controls, restrictive formularies, budget caps, profit controls, and practitioner education.

Budgets↗

The tough decisions that no one wants to make.

This article examines prescription drug benefit plan trends: past, current, short-term future and long-term future. It includes a brief discussion of each cost trend and its drivers, then asks the question, "What can be done to protect the pharmacy benefit budget, yet provide what is needed?" from three perspectives: (1) business, (2) stakeholders (management, human resource groups, physicians, employees) and (3) patients (employees and dependents). The article discusses therapeutic guidelines, physician education, reimbursement issues, distribution channels and the impact of business decisions on employees, dependents, stockholders, shareholder value, management, human resources and decision makers' own careers.

Advertising↗

[Market forces inevitable in health care].

Market forces inevitable in health care. - Free markets exist everywhere and have provided us, as a society, with many benefits. A truly free market does not exist: all market sectors are bound within legal frameworks. For health care, the question is not whether a free market is feasible, but within which frameworks does it work exclusively. Establishing the framework is a particular political responsibility. Without the framework, health care will fall prey to political opportunists and lobbyists for pressure groups.

Capitalism↗

An introduction to the Medicare financing problem.

The Medicare program faces serious financing problems for both hospital and physician services. Spending on medical care is growing more rapidly than national income. The sources and magnitude of the problems are outlined, and a range of approaches explored. Resolution will come from coordination and interaction among several of these approaches to reducing outlays and increasing revenues.

Age Factors↗

Paying more for less: older adults in the individual insurance market: findings from the Commonwealth Fund Survey of Older Adults.

The Commonwealth Fund Survey of Older Adults reveals that adults ages 50 to 70 who rely on the individual insurance market for health coverage pay much higher premiums than their counterparts with employer coverage or Medicare. The survey found that in 2004, more than half (54%) of older adults with individual coverage spent $3,600 or more annually on premiums. A quarter (26%) spent $6,000 or more a year. In contrast, only 17 percent of older adults with employer coverage and 6 percent of those covered by Medicare spent $3,600 or more on premiums. Moreover, individual coverage often provides poor access to care and entails high out-of-pocket expenses for older adults, making it a particularly unaffordable option for people who are older, have low incomes, or who have chronic health problems.

Aged↗

Pretax allotments for health insurance premiums. Final rule.

The Office of Personnel Management (OPM) is issuing final regulations dealing with the use of OPM's allotment authority to allow for Federal Employees Health Benefits (FEHB) employee premium payments to be deducted on a pretax basis under section 125 of the Internal Revenue Code. The allotment regulations work in tandem with related FEHB regulations dealing with this premium conversion.

Government Agencies↗