By Richard H. Egdahl M.D., PhD., Diana Chapman Walsh M.S. (auth.), Richard H. Egdahl M.D., PhD., Diana Chapman Walsh M.S. (eds.)

The springboard for this 6th quantity within the and well-being Care sequence used to be a convention subsidized via the heart for and healthiness Care of Boston collage on June nine and 10, 1978. That convention had a gentle genesis. Over a 12 months in the past we spent it slow with Kevin Stokeld of Deere and corporate and heard his perspectives on self-insurance and self-administration as one equipment for a company to accomplish higher administration keep watch over of its overall healthiness profit. more moderen discussions with representatives of yankee phone and Telegraph corporation and different companies made it more and more transparent to us that management's want for information to watch using worker future health merits was once rising as a severe coverage factor. next conferences with executives at John Hancock Mutual existence assurance corporation in Boston and Mobil Oil company in ny, between others, confident us that easy solutions will be elusive or insufficient and that there has been a necessity for an goal and cautious examine the evolving relationships among worker healthiness merits, claims management, healthiness companies usage, and corpo­ expense overall healthiness care expense containment courses. given that self-funding and especially self-administration symbolize a enjoyable­ damental switch within the conventional assurance courting, the convention used to be convened to discover the benefits and drawbacks of self-insurance for worker healthiness merits, with a few recognition to claims creation yet with precise emphasis at the originating query of knowledge for powerful administration of an worker overall healthiness benefit.

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Insurance companies [are changing] their tunes regarding group health insurance. Few insurers are willing to haggle over the size of a rate increase any more; health care losses are just too 24 Context and Issues great. This new-found independence appears to be influencing the corporate borrowing considerations as well; some carriers are quite willing to make loans, even in the period of "tight money," or show no inclination to relate the loan to the employer's group coverage. 2 ' As with financial accounting that mixes separate lines of business, the use of corporate lending as a lever in the insurance marketplace is circumscribed legally.

We don't intervene at all, but simply provide specific data they request. The research program reimburses the funds for all costs related to generating data. I think it's important not to lose sight of that longer term payoff. Everyone talks about the poor quality of medical claims data, that diagnoses are distorted, that procedures are not fully reported, that it's 44 Context and Issues DATA TO MONITOR SECOND SURGICAL OPINION David H. Winkworth: We at Mobil Oil instituted six changes in our plan last July: second surgical opinion, ambulatory surgical care, extended care facilities, home health care agencies, outpatient testing, and alcohol and drug abuse rehabilitation facilities.

Hickey: Sure, the potential for some savings is real. But it greatly depends on where you start and the real potential is available mainly to very large corporations, not to firms with under 500 employees. In large corporations total retention is probably in the neighborhood of 4 to 5 percent of claims. That includes premium taxes and also some credit for interest on reserves. I do think the hope of taking 10 or 15 percent off the top is unrealistic. administrative innovations designed to reduce the corporate policyholder's costs: The Blues and commercial carriers both feel a clear responsibility---a social responsibility and a political responsibility, the latter perhaps a little more selfish than the former.

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