| Benefit program cornerstone: Incentives |
When you own plan incentives, you own:
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Choice, ownership and control of deductible accounts, choices of plan type and |
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physicians, multi-year strategies, employment performance standards, |
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employee longevity, multi-year budget control. |
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Community oriented, with flexibility |
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Multi-year focus and ali¬gnment |
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Roll-over eliminates ‘use it or lose it’ burden and waste |
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| When the insurance company owns them: |
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Incentives are built to enhance, loss ratios, profit margins, reinsurance, |
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premiums, broker sales contests, regulations and state mandates, financial market performance. |
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