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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 ?

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slide1

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.

slide2

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