insured plans การใช้

• Such self-insured plans are subject to federal regulation.
• _Expanding the law to allow reviews of self-insured plans.
• Their only option is an Insured Plan with an Insurer.
• Approximately half of those with health insurance belong to self-insured plans.
• The pension agency is funded by premiums from employers with their own insured plans.
• For example, they say the figures do not account for self-insured plans.
• Under a 1974 federal law, those self-insured plans are exempt from state regulation.
• Coverage also is provided by Medicare, public health employee plans and many self-insured plans.
• The law does not protect in many ways employees who get their health coverage through self-insured plans.
• Under federal law, the employer self-insured plans are exempt from state regulation and state court lawsuits for damages.
• GM spent $ 762 million on drugs in its self-insured plans last year, up nearly 13 percent from 1998.
• Most big companies and a growing number of small ones have self-insured plans, most often administered by an insurance company or HMO.
• The Senate Republican plan focuses almost exclusively on the 48 million Americans who receive health coverage from so-called employer self-insured plans.
• The state regulations do not apply to these self-insured plans, which are offered by many of the country's biggest employers.
• The new law applies only to state-regulated health plans but not to self-insured plans, which are regulated by the federal government.
• The average premium increase in all fully insured plans was 9.6 percent, compared with 7.1 percent in all self-insured plans.
• The average premium increase in all fully insured plans was 9.6 percent, compared with 7.1 percent in all self-insured plans.
• The insurance commissioners said ERISA made it difficult for consumers to sue a self-insured plan for injuries resulting from the negligence or intentional misconduct of people who administer the plan.
• Barnes also disputes claims that his reforms will hit small businesses who buy outside insurance harder than it will big companies, whose self-insured plans typically are not regulated by the state.