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Health

Group Health Insurance is the most common benefit offered by employers, as well as the most expensive benefit. Traditionally, most health insurance plans provide comprehensive coverage with relatively low out-of-pocket expense to the employee. Although Base and Buy-Up combinations are becoming very popular. Newspapers, magazines and medical economists alike refer to the skyrocketing cost of medical care and health insurance. If this trend continues, virtually all the best known benefits consulting firms indicate there will likely be some radical changes to our health insurance system in the next 10 to 15 years. Although Towers Perrin Health Care Cost Surveys have indicated that 57% of the large and medium size firms surveyed were uncertain as to whether they would even offer Group Health Insurance 10 to 15 years from now-the MetLife Study of the American Dream shows that over 90% of Americans believe that it is important (with 71% saying it is "very important") for companies to continue to offer benefits, even if employees must pay most or all of the cost.
 
Proliance Guiding Principles
Leadership: “The essential quality for leadership is not perfection, but credibility.”
Provide “Choice”
Full disclosure in advance—”know the deal”
Voluntary alliance participation (provider and distributor)
Success-sharing revenue formula with provider
Active oversight of providers and distributors (due diligence after-the-fact)
Consistent and predictable delivery
Constantly seek improvement
Assess opportunities objectively and without prejudice
 
       
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