Self-Insurance of Group Welfare Plans.

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معلومة اضافية
- الموضوع:
  GROUP insurance; SELF-insurance; COST effectiveness; BUSINESS insurance; MEDICAL care costs; INSURANCE; RISK exposure; EMPLOYEE benefits; INSURANCE reserves; LABOR union welfare funds; MEDICAL economics; CONTRACTING out
- نبذة مختصرة :
  The article discusses group health and welfare insurance programs--an insurance coverage for hospital benefits, sickness and accident indemnity, maternity benefits, death benefits, and dependents' coverage. Self-insurance plans and administered plans are compared by cost efficiency, premiums, and service. Some states require self-administration plans to be managed by unions or a professional staff. These plans might also be required to accumulate reserves as a safeguard against an excess of claims. The disadvantage of not having a third-party settlement strategy is mentioned.