Health Insurance
Health Insurance, Volume 3, Issue 4, 2003
Tables
49 questions. Select a question to see its response table. marks a Top 100 question.
- As the owner of this business, how do you obtain health insurance coverage for yourself? Do you obtain it:?Top 100 question
- Are your dependents covered by health insurance the same way you are, a different way, are they not covered, OR don’t you have any dependents?
- Does your business offer a Flexible Spending Account that allows employees to set aside wages or salary to pay out-of-pocket medical expenses with tax-sheltered dollars?
- Does your business offer a Medical Savings Account that provides catastrophic health insurance coverage and a tax-sheltered health spending account?
- Does your business offer reimbursement to employees for some or all of the premiums of health insurance they purchase on their own?
- Does your firm offer health insurance coverage to any of your employees?
- (reason owner has outside insurance) Insurance is less expensive from another source.
- (reason owner has outside insurance) You prefer a plan with different coverage than that offered to your employees.
- (reason owner has outside insurance) A particular health condition makes another plan preferable.
- (reason to offer) It helps employee recruitment.
- (reason to offer) Health insurance is not considered taxable income for employees.
- (reason to offer) Employees expect or demand it.
- (reason to offer) It increases employee productivity by keeping them healthy.
- (reason to offer) It decreases turnover.
- (reason to offer) One or more employees or their dependents have medical problems.
- (reason to offer) Competitors offer it.
- (reason to offer) It’s the right thing to do.
- (reason to offer) A good way for the owner and dependents to obtain coverage.
- Do you offer more than one kind of health insurance plan such as an HMO, PPO, and traditional coverage?
- Does your business offer traditional insurance where your employees can pick any doctor they want and typically pay the same, fixed percentage of the bill?
- Does your business offer a PPO or Preferred Provider Organization which is like traditional insurance, but your employees pay less if they use doctors on the plan's approved list?
- Does your business offer an HMO or Health Maintenance Organization in which your employees must obtain medical care from a specific doctor or doctors or else none of their costs are covered?
- Does your business offer a POS or Point of Service Plan which is like an HMO, but allows employees to seek care without a referral from their primary care doctor at an additional cost?
- Does your business offer another type of medical insurance plan?
- There are several different kinds of health plans. Please indicate which ONE of the following your business currently offers its employees. Does your business offer:?
- What is the per employee total monthly cost of your firm’s health insurance coverage for single coverage?
- What percentage of this cost of single coverage is paid by employees out-of-pocket?
- To ensure employees participate.
- To give employees tax-advantage compensation.
- To offer a competitive health insurance program?
- Including both the employer and employee contributions, what is the per employee total monthly cost of your firm’s health insurance coverage for family coverage?
- What percentage of this cost of family coverage is paid by employees out-of-pocket?
- What percentage of your employees, who are eligible to participate in your health insurance plan, actually participate?
- Does your insurer require that a minimum percentage of eligible employees obtain health insurance through your business?
- Does your insurer require that eligible employees who do not wish to participate in your health plan or plans demonstrate that they have coverage elsewhere?
- (reason NOT to offer) Employees prefer wages and/or other benefits.
- (reason NOT to offer) Employees have coverage elsewhere.
- (reason NOT to offer) Owner has coverage elsewhere.
- (reason NOT to offer) A large portion of employees are part-time, seasonal, or turnover is too high.
- (reason NOT to offer) Revenue is too uncertain to commit to a plan.
- (reason NOT to offer) Business can’t afford it.
- (reason NOT to offer) Employees can’t afford their share.
- (reason NOT to offer) Not needed to retain good employees.
- (reason NOT to offer) Setting up and funding a plan is too complicated and time consuming.
- (reason NOT to offer) Plan that fits employee coverage needs doesn’t fit your coverage needs.
- Approximately what percent of your employees are female?
- Approximately what percent of your employees are under 30 years old?
- Approximately what percent of your employees make $10.00 per hour or less, including tips and commissions?
- Approximately what percent of your employees make $20.00 per hour or more, including tips and commissions?
About this poll
Volume 3, Issue 4, 2003
ISSN 1534-8326
Michael A. Morrisey
University of Alabama - Birmingham
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