The purpose of this blog is to provide the author, Jay Moreno, with an outlet to comment upon items of socio-political and socio-economic import in Camden County, Georgia and to generally satisfy a daily compulsion to write. HISTORIC WATERFRONT, ST. MARYS, GA.
Jay would it help if the county and cities were under the same insurance?
ReplyDeletepotentially, it could, but it depends upon the health profile of the employee populations of the cities as compared to the health profile of the county workforce. If combineing all 4 workforces would produce one insured pool with a relatively younger and healthier work force than the current county workforce and you had high participation in the plan by younger, healtheir workers, you could, in fact, realize some lower overall costs per capita.
ReplyDeleteOf course, the invesrse could be true too.
My last statement was strictly fromt he county's perspective. For any city plan that is fully insured at present, there would most assuredly be savings from throwoing in with the county self-insured plan.
ReplyDeleteThe question is, given that self-insured plans are regulated by the state insurance commissioner and have to find a re-insurer willing to cover such an arrangement with a stop-loss policy, would it be necessary to actually consolidate in order to fold all 4 entities into one self- insured health plan?
"would it be necessary to actually consolidate in order to fold all 4 entities into one self- insured health plan?"
ReplyDeleteNow this is a question that I think you should ask from whatever source has the information. This could be very beneficial. But as usual I thank you for answering my previous question.