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At the Core of any Employee Benefit
Program is group insurance plans. An employer can create a
program that provides generous coverage by selecting from a
variety of plans including medical, dental, life, disability
and vision coverage. Alternatively, the employer can provide
selected coverage and then allow the employees to purchase
additional coverages on a payroll deduction basis.
The role of EBSC is to listen to our client’s objectives and
guide them through the options to create the program that
best meets the needs of the employees. The basic coverage
for any employer sponsored program is group medical
coverage. If you have less than 50 employees you can
initiate a
REQUEST
FOR PROPOSAL by
providing the information needed to produce a competitive
proposal for your group. Please call us at (505) 821-6477.
We would be pleased to personally assist you with this
process.
Please visit the
CONSUMER DRIVEN HEALTH PLANS
section of this website to review the options that can be
combined with your health plan to help control future costs.
Self-Funding- For larger groups, a self-funded
medical plan provides the employer with greater control over
the funding and benefit levels. One of the specialty
services of EBSC is our ability to help clients manage a
self-funded medical plan. We assist clients with setting
funding rates and provide clear reports on claims and
administrative costs compared to funding levels. Please
contact us at (505) 821-6477 or by email at
info@ebsc.net
for additional details. |
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Coverage
Trends for Nonelderly Americans |
|
Source of Coverage |
1997
|
1999
|
2001
|
2003
|
|
Employer |
65.1%
|
66.0%
|
67.0%
|
63.4*#
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|
Other Private |
6.9
|
6.7
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6.0*
|
5.5#
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Public Insurance |
7.6
|
8.3*
|
8.9
|
11.9*#
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Other Coverage |
4.9
|
4.0*
|
3.9
|
4.2#
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Uninsured |
15.4
|
15.1
|
14.1*
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15.0
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Notes: Other private includes private non-group insurance
and private insurance obtained through someone outside the
family. Public includes Medicaid, SCHIP and other state
programs but not Medicare. Other coverage includes Medicare,
military insurance, Indian Health Service and miscellaneous
other coverage.
* Change from previous round is statistically significant at
p <.05.
# Change from 1997-2003 is statistically significant at p
<.05.
Source: HSC Community Tracking Study Household Survey
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