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• Yet the current system for the payment of health care tries
to cover both those needs, for catastrophic insurance and
regular health care, in one system. This effort contains a
built-in contradiction. The insurance system works best
when the fewest people use it (i.e. make claims); the
health care system works best when the most people use it
(i.e. get checkups and tests and vaccinations). The goals
are incompatible!
Two Different Tiers Of HealthCare
• One tier is catastrophic illness -- and for that tier, insurance is the
answer
$325.00 a Month
10 Year Cost Comparison with a $40,000
Hospital Bill
$154,000 (Approx.)
Same 10 Year Cost Comparison
Hi-Deductible Plan
$53,000
Section 125 Cafeteria Plans
• Option C
AWIS and Catastrophic Insurance
Add a “Section 125” FSA and/or HRA to
offset the deductible for Employees
Conclusion
• Same $40,000 Hospital Bill
• Over a Ten Year Time Frame with premiums
Which would you prefer?
• Option A---- $154,000 Total Cost
• Option B---- $53,000 Total Cost
• Option C---- AWIS & PAC and Option B
Sensible Options
15
Requirements for a Proposal
And Welcome To