plans are aptly called ôConsumer Driven Health Plansö (or CDHPs) because the policyholder makes as many choices about their health benefit plans as their employer. Two key components of CDHPs have been receiving a lot of press. The first is the Health Savings Account (HSA), which must be used in conjunction with the second, a High Deductible Health Plan (HDHP). Without going into great detail about the restrictions, the whole idea is that by enrolling in a major medical health insurance plan with a significantly higher deductible ($1000 or more), the company (and/or the employee) can dramatically reduce the premium cost. In addition, by replacing Flexible Spending Accounts (FSAs require the participants to use the tax free money contributed during the plan year or lose it) with HSAs (that allow the participants to accumulate money in their account tax free BUT the money rolls over from year to year) eventually, the deductible is covered with tax-free dollars. The only downside to this plan is that FSAs make the elected amount available on day one of the plan, whereas HSAs allow only the amount that has been funded to date to be made available. In other words, for most folks, the first year of such a plan puts them at risk for substantial out of pocket expense related to the deductible. The way to avoid this risk is to implement a third key component of the plan, Supplemental Benefits. Most often via a new or existing Cafeteria (Section 125) plan. For several reasons, supplemental benefits should be the first step in any HDHP/HSA plan. First is that they introduce employees to employee funded, 100% voluntary plans so employees come to feel comfortable with contributing to their own financial security. Second is that supplemental plans cover deductibles and co-pays, so employees realize that by participating, they reduce their own out of pocket expense should the unthinkable happen. Thirdly, they learn the value of pre-tax dollars. And last, more choice lends itself to better education in just what those choices are. In other words, employees take more interest in learning how their overall plan fits together and what the best choices are for their family. When Supplemental plans are introduced first, employees feel empowered by the fact that the company is giving them options to better protect their family without changing anything else. Then when the HDHP/HSA changeover is eventually made, far fewer employees will feel like they're getting the short end of
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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InLuca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Luca Cordero di Montezemolo Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession.
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