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UNLIMITED
PHSP
Plan covering
ALL qualified health care expenses.
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ANNUAL
LIMIT SET BY EMPLOYER
Cost-plus plans
covering all qualified health
care expenses
to a limit determined by the employer.
(Example: to an annual amount of $2,500 per enrolled employee
and his family).
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EMPLOYER
/ EMPLOYEE COST SHARING PHSP
Cost-plus plans
covering all qualified health
care expenses
based on a split between the company covering a percentage
and the employee being responsible for the residual balance.
(Example: employer covering 60% of costs).
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EMPLOYER
MONTHLY PAID PHSP
The employer pays
into the cost-plus plan an agreed amount on a monthly basis
that is available to the employee, so long as the employee
continues to be employed by the company. This amount would
be available at any given point of the employment up to
the amount or balance in the account designated to the specific
employee.
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EMPLOYER
/ EMPLOYEE COST SHARING STEPPED PHSP
The employer covers
qualified health
care expenses
for an employee 100% to the aggregate amount agreed upon,
then covers 70% of the next agreed upon amount, then covers
50% of the next agreed upon amount, and thereafter the employee
is responsible for 100% of the health
care expenses
during a year (100% to $2,000, 70% next $1,500, 50% next
$2,500, thereafter 0%).
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EMPLOYER
COMBINED PHSP MONTHLY WITH LIMITS
The employer can
set up the program that covers a combination of all of the
above for various employees in the organization.
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EMPLOYER
CUSTOM PHSP FOR VARIOUS LEVELS (GROUPS) OF EMPLOYEES
The employer can
design a program basically in any reasonable fashion to
meet the desires of the employer and the various levels
and needs of the employees.
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TOP-UP
OR STAND ALONE PHSP
All PHSPs can be
set up as stand alone Health Care Services coverage or as
a top-up PHSP to cover items NOT covered or partially covered
under other medical insurance plans. |
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