Writing the recipe for health benefits

Article Abstract:

Choosing which benefits should be included in a health care reform package requires balancing what benefits people need with the cost of those benefits. The American Medical Association has developed a list of benefits that would cost about $2,700 per year. Services were chosen on the basis that they are medically necessary, not custodial or supportive; that they are clinically effective and that a similarly effective but less expensive alternative was not available. Other considerations included cost effectiveness and the importance of the benefit to the patient's health.

Editorial, Planning, American Medical Association

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Medical savings accounts will empower patients

Article Abstract:

health care savings could be achieved if employers buy less expensive medical insurance for their employees with a higher deductible, and then supply the employees with money in a medical expenses account to pay for bills up to the deductible. For example, a firm could buy a catastrophic insurance plan for $1,500 per year per family and allow the family to pay bills that amount to less than the $3,000 deductible. Because only 15% of families spend over $3,000 per year in medical bills, a company would save any money under $3,000 that the family did not spend.

Accident and health insurance, Innovations, Evaluation, Column, Health insurance

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