STAFF & BENEFITS
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3.3.97 |
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New Year's Revolution
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| As of Jan. 1, Congress authorized a new class of high-deductible health
insurance specifically for the self-employed and workers at small companies.
Already, dozens of insurers have begun offering such policies. These products,
linked to medical savings accounts administered by the insurer or an associated
bank, all have a $1,500 individual and $3,000 family annual deductible. |
| INDEMNITY PRODUCTS |
COVERAGE* |
OUT-OF-POCKET MAXIMUM
SINGLE/FAMILY |
LIFETIME MAXIMUM BENEFIT |
MONTHLY PREMIUM**
SINGLE/FAMILY |
| BLUE CROSS & BLUE SHIELD OF NEW JERSEY |
80% |
$3,000/
$5,500 |
Unlimited |
$214/
$537 |
GOLDEN RULE INSURANCE
Dallas |
100% |
$1,500/
$3,000 |
$2 million |
$87/
$203 |
HUMANA
Texas |
100% |
$1,500/
$3,000 |
$5 million |
$100/
$286 |
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| PREFERRED PROVIDER ORGANIZATIONS |
COVERAGE* IN/OUT OF NETWORK |
OUT-OF-POCKET MAXIMUM
SINGLE/FAMILY |
LIFETIME MAXIMUM BENEFIT |
MONTHLY PREMIUM**
SINGLE/FAMILY |
| BLUE CROSS & BLUE SHIELD OF NEW JERSEY |
100%/80% |
$2,750/
$5,500 |
Unlimited |
$154/
$421 |
GOLDEN RULE INSURANCE
Dallas |
100%/75% |
$5,000/
$5,000 per person |
$2 million |
$72/
$167 |
WELLPOINT HEALTH NETWORKS
San Francisco |
80%/0% |
$3,000/
$5,500 |
$5 million |
$67/
$161 |
HUMANA
Texas |
90%/70% |
$2,000/$4,000
$3,000/$5,500 |
$5 million |
$84/
$232 |
*Percentage of claims paid, after deductible.
**Monthly premium for 35-year-old nonsmoking male inspecified state or city. |
| DATA: BUSINESS WEEK
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