This website uses cookies to ensure you have the best experience. Learn more

Medical Plan Comparison Paper: Hrm 425 Benefits, Safety And Health

1229 words - 5 pages

IntroductionHealth care coverage should be accessible and affordable to all Americans. Employers should voluntarily provide health insurance coverage to their workforce.Numerous types of health care coverage are available through the voluntary, employer-based system, including HMO's, PPO's, POS's, and EPO's. Allowing employers to determine the best health plan model for their organization, based on the needs of the workforce, is extremely important to ensure employee satisfaction and reduce health care spending.HMOHealth Maintenance Organization (HMO) is a type of insurance where an individual is responsible for paying a percentage of a bill every time care is received. Additionally, a deductible may be added that the individual must pay before the HMO will start picking up the remainder of the bill. Like most other insurance providers, HMO members pay a monthly fee no matter how much he or she use in medical coverage. HMO's focus is to reduce the cost of out-of-pocket expenses. With this type of insurance individuals, tend to see their physicians for medical problems before the problems become more severe. A HMO will not pay for non-emergency care providers, and can be extremely strict with what constitutes as an emergency.HMO's not only provides medical care but also delivers the treatment by having doctors, hospitals, and insurers participate in this program. HMO individuals must receive his or her medical treatment from physicians or a facility in the HMO network. For an initial visit for medical treatment, he or she must choose a primary care physician (PCP). This person will be his or her primary care provider. When going to a specialist, the individual will need to consult his or her PCP. This keeps the HMO costs from increasing as rapidly as other insurance providers increase. HMO's will also continue to cover an individual's treatment without placing a limit on his or her lifetime benefits.POSPoint of Service (POS) plans are similar to both PPO and HMO plans. A POS plan consists of a network of contracted doctors, hospitals, and clinics for healthcare at a discounted fee. If a visit to an out-of-network provider is used, a larger out-of-pocket fee will be paid by the insured. POS healthcare is administered by a healthcare professional like the managed care policies of a HMO. With a Point of Service plan, the primary physician oversees the medical care. When an employee has a medical issue, the POS physician is contacted first to get the most benefit from the health insurance plan.POS plans promote health and wellness through prevention and education in addition to treatment similar to the philosophy of a HMO. The advantage to a Point of Service plan is the freedom to choose providers, even specialists, outside the network. An employee is never limited to medical providers the primary care physician refers. When medical care is obtained outside the network, the dollar amount the plan will pay decreases. For the privilege of being allowed...

Find Another Essay On Medical Plan Comparison Paper: HRM 425 - Benefits, Safety and Health


2561 words - 11 pages legislation enacted are under the domain of Director General of Mines Safety (DGMS), who operates under the Ministry of Labor. (iii) CURRENT SCENARIO There is lack of doctors specializing in occupational health and safety. The statuses of implementation of various statutory provisions are as follows – (a) Majority of coal companies are yet to establish Occupational Health services. However all mining industries have Periodic Medical Examination

Benefits of OSHA (Occupational Safety and Health Administration)

986 words - 4 pages The Benefits of OSHA Work place safety is not something to be scoffed about. Although many employers and employees often overlook this pre-caution, the government has created a whole agency, OSHA (occupational safety and health administration) to address work place related injuries and deaths. For many years OSHA has implemented training programs for the employees and workers of companies in the industry of construction and general hard labor

Study and Comparison the Knowledge of Medical and Public Health Students about Control and Treatment of TB with DOTS Strategy

1094 words - 5 pages (physician - health expert) about this disease. Experts believe that one of the most important and useful measures in the fight against diseases at different levels is health education and promotion of public medical and health science. Any plans for educational content in health depends on understanding and knowing educational needs of the audience. Considering the difficulties in treating resistant TB, identification of the medical students

Study and Comparison the Knowledge of Medical and Public Health Students about Control and Treatment of TB with DOTS Strategy

1102 words - 5 pages research is a descriptive analytic study. The sample size consisted of senior undergraduate public health students (n = 45) and senior medical students (n=45). In this study, after the approval of the the university research Council, necessary coordination with officials of faculty of Health (President, Research and Education Vice Presidents) was done. After presence in public health senior students' classes and getting permission from their

Study and Comparison the Knowledge of Medical Students and Public Health about Control and Treatment of TB with DOTS Strategy

695 words - 3 pages In this descriptive - analytical research, the rate of knowledge, diagnosis and treatment of TB and DOTS Strategy in 90 public health and medical students who were chosen by a stratified and simple random method, was evaluated. The results showed that the mean score of health students' knowledge about TB and DOTS was less than mediocre (9.24±2.091 score of 20). Findings also indicated that their knowledge was low (8.67±1.954 score of 20). In the

Employee safety, health and welfare law paper

1092 words - 4 pages employees are protected two laws have been passed, the Occupational Safety and Health Act and Family and Medical Leave Act. This paper will explain the purpose of both the Family and Medical Leave Act and Occupational Safety and Health Act. Employers responsibility under the law and what protections does the law provide for employees will be further discussed.FMLA & OSHAOn February 5, 1993, President Clinton introduced and passed the Family

Employee Safety, Health, and Welfare Law Paper

949 words - 4 pages Employee's rights over the past 100 years have grown. Employees have earned these rights through labor disputes and accidents in the workplace. Lawmakers have decided to put laws in place to protect the employee and the employer. A few laws that have been passed and being enforces is the Family and Medical Leave Act (FMLA), Occupational Safety and Health Act (OSHA), and Workers CompensationFMLAThe FMLA was signed into law in 1993 to assist

Employee Safety, Health, and Welfare Law Paper

1061 words - 4 pages more likely as the number of two-earner families increases, figured prominently in congressional debate over the bill.While most investigators of FMLA have focused on pregnancy and child-care leave, a survey of leave takers sponsored by the federal Commission on Leave compiled in 2000 showed that a majority of workers who took leave did so far at least partly their own health reasons.Less hard data exist on the effects of FMLA medical and family

Occupational Health and Safety

1768 words - 7 pages A current OH&S concern within my industry is physical hazard recognition, specifically slips strains and falls and temperature extremes. HRM has a OH&S program that outlines the policies and procedures of our company. The program includes education and training, Personal Protective Equipment, Equipment and Vehicle Safety, Wildlife Encounters, Fires & Spills, Medical emergencies and more. HR makes sure everyone has taken hazard awareness and

Occupational Health and Safety

870 words - 3 pages public authorities in the field. Line organisation is always responsible for safe performance of the tasks. It should also suit the demands that are written down in the programme in the AKEI Company. But I was also asked that I spend as little money as possible on that plan, so the majority of it must be made by my team.The meaning of the action plan is:To secure the health, safety and welfare to people at work and to eliminate potential risks at

Safety and Health

1814 words - 7 pages companies with a brief description of their safety and health programs for comparison to determine their effectiveness and uniqueness:Verizon Communications is a multi-billion dollar corporation and is one of the leading providers of telecommunication service. Verizon considers safety very seriously because they are heavily regulated by OSHA. An intra-company web-site is available to all employees for matters concerning safety. The safety program

Similar Essays

Medical Plan Comparison Paper

1203 words - 5 pages This Paper will be examining and comparing three different medical plans. The three medical plans to be discussed will be the Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). This paper will be analyzing cost consideration of each plan. The flexibility of each plan will also be discussed and how accessible is the plan to participants.The differences between health care

Benefits, Safety, And Health At Wamart

761 words - 3 pages least 1,000 hours in one year. Wal-Mart Stores, Inc. may contribute to all eligible associates' accounts annually, regardless of whether the associate chooses to contribute.Health and Safety benefits at Wal-Mart:Wal-Mart offers Associates' Medical Plan that provides protection from the unexpected medical event. The Associates' Medical Plan is designed to protect associates from catastrophic loss and financial ruin. Apart from this Health Maintenance

Employee Safety, Health, And Welfare Law Paper: Family And Medical Leave Act (Fmla)

1071 words - 4 pages Currently, I work for a company that acknowledges the Family and Medical Leave Act (FMLA) but since becoming an employee of the company, I have never seen anyone take leave to care for him or herself or a family member. The company I work for extremely family oriented and if someone needed to take time off to care for someone in their family, Commercial Interiors, Inc. would not hesitate to allow them time off to do so. In this paper, I will go

Medical Plan Comparison Essay

1082 words - 4 pages Whether an employee receives health insurance through his/her employer or purchases it on their own, they may have an opportunity to choose between several options. Understanding the different types of health plans is the first step in making a good choice for them and their families. The three medical plans are HMO, PPO, and POS. The cost for both employer and employees, the flexibility of the plan choices and benefits, and the accessibility