The Future Of Health Insurance Is Here – Minimum Premium Plan Health Care Financing
Is there really anything new in employee group health care coverage these days? When was the last time your group health care consultant or broker had good health care cost-related news for your company? If the answers to these two questions are “no” and “you’ve got to be kidding,” please read on.
The never-ending articles and discussions of health care reform regulations, requirements and implementation timetables has consumed employers – both large and small – to the extent that current opportunities for creative health care cost financing and cost containment initiatives such as wellness programs are being overlooked.
Let’s say your firm provides both HMO and PPO group health care coverages to its 250 full-time employees and their dependents, and that both plans are fully insured through contracts with a major national health care carrier. If this is the case, we would like to share some insights about a new fully insured, yet flexible health care financing option which significantly enhances cash flow like a self-insured plan while giving your firm 100 percent risk protection; this unique solution is called the minimum premium plan.
For starters, the company pays a low monthly premium to the carrier – a minimum premium to cover the cost of plan administration, insurance protection and state premium taxes where applicable. Then, a bank account which was created to fund claims comes into play. The employer funds the account only when the health care claims are processed and are ready to be paid rather than when incurred. So, instead of paying a full monthly premium to the insurance carrier up front to cover claims, your company will only pay for claims processed.
And there is more. If processed claims in any month are high, the company is protected by a predetermined monthly funding cap on the account. If claims are lower than the cap, you pay the lower amount – hence improved cash flow to the company. In addition, with minimum premium, the company has the cash flow advantage of holding all HMO and PPO coverage claims reserves – typically 10 percent to 15 percent of estimated annual paid claims liability.
The minimum premium financing concept is generating significant interest on the part of employers who now self-insure their group health care coverages. As health care claims costs continue to escalate, the self-insured employer is assuming more risk than ever before. Even with the availability of specific (individual claims) and aggregate (all paid claims annually) stop loss coverages, the company still assumes risk for part of large paid claims in any plan year and a corridor (usually 25 percent) of liability above where a fully-insured plan is priced. And affordable stop loss coverage is getting harder to find every year.
If your company is ready for a fresh approach to flexible health care financing for HMO and PPO plans, we suggest you explore minimum premium.
Don’t forget that the one carrier we know of who offers the minimum premium financing arrangement will also provide the company’s employees with a very robust wellness – or as we like to think of it “well being” – program at no cost to employees or the company.
About the Authors
CEO of Corporate Benefit Marketing, Inc.
Paul Vincent is the CEO of Corporate Benefit Marketing, Inc. He can be reached at (661) 964-1451. For more information on CBM, visit www.corporatebenefitmarketing.com
Senior VP of Corporate Benefit Marketing, Inc.
John O’Connell is the Senior VP of Corporate Benefit Marketing, Inc. He can be reached at (661) 964-1451. For more information on CBM, visit www.corproatebenefitmarketing.com
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