Group Medical Expense Provisions and the AIDS Crisis

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dc.contributor.authorNielson, Normaeng
dc.date.accessioned2010-12-14T21:13:27Z
dc.date.available2010-12-14T21:13:27Z
dc.date.issued1988
dc.descriptionPermission granted from publisher Dec. 1, 2010. “This article is from the First quarter 1988 issue of Benefits Quarterly, published by the International Society of Certified Employee Benefit Specialists.”eng
dc.description.abstractAn exploration of the provisions of group medical expense plans that play the most significant part in determining coverage for acquired immune deficiency syndrome (AIDS) patients presents the following crucial elements in measuring the extent of health care coverage available: 1. maximum limitations on lifetime expenditures, 2. hospice care, 3. home health care, 4. experimental treatments, 5. prescription drug coverage, 6. mental health benefits, 7. continuation benefits, 8. leaves of absence, and 9. preexisting condition clauses. Benefit managers need to monitor changes and additions to this list as a way of forecasting the rate of medical cost inflation. As a result of AIDS, several changes among medical plan benefits are predicted: 1. Self-insured financing will decline. 2. Coverage for home health care and hospice services will continue to rise. 3. Employers will formalize policies concerning leave of absence. 4. Coverage for outpatient prescription drugs will be scrutinized carefully. 5. The decline in coverage for mental benefits will slow. 6. The most contentious area of potential benefit redesign activity will be the preexisting-condition clause.eng
dc.description.refereedYeseng
dc.identifier.citationNielson, N. L. "Group Medical Expense Provisions and the AIDS Crisis," Benefits Quarterly. Volume IV, No. 1. (First quarter 1988) pp. 6-15.eng
dc.identifier.doihttp://dx.doi.org/10.11575/PRISM/33999
dc.identifier.issn8756-1263
dc.identifier.urihttp://hdl.handle.net/1880/48309
dc.language.isoengeng
dc.publisherInternational Society of Certified Employee Benefit Specialistseng
dc.publisher.corporateUniversity of Calgaryeng
dc.publisher.facultyHaskayne School of Businesseng
dc.publisher.urlhttp://www.iscebs.org/Resources/BQ/Pages/BenefitsQuarterly.aspxeng
dc.subjectForecastseng
dc.subjectDisability insuranceeng
dc.subjectSocial securityeng
dc.subjectMedical expense insuranceeng
dc.subjectLeaves of absence,eng
dc.subjectInsurance coverageeng
dc.subjectHealth insuranceeng
dc.subject.otherAIDSeng
dc.subject.otherCostseng
dc.subject.otherHealth care expenditureseng
dc.titleGroup Medical Expense Provisions and the AIDS Crisiseng
dc.typejournal article
thesis.degree.disciplineRisk Management & Insuranceeng
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