Customization of benefits: Will diversity continue?

In this era of tight margins, many health plan executives may be deciding that while offering purchasers customized benefit packages is a nice touch, it is unprofitable. InterStudy Publications' National HMO Census indicates that a third of HMOs are moving toward standardization of benefits and are choosing to differentiate themselves on some basis other than customization, such as price or customer service. About 7 in 8 HMOs today will customize benefit packages only when a purchaser has a specified minimum number of employees.

Not that most purchasers have no choice at all. On average, more than 4 in 10 commercial HMOs offer more than 15 different benefit packages each, before customization. And when customization is negotiable, vision, dental, chiropractic and out-of-network coverage are frequently available.


Career Opportunities

HAP, a subsidiary of Henry Ford Health System, is a nonprofit health plan providing coverage to individuals, companies and organizations. This executive develops strategies to meet membership and revenue targets through products, pricing, market segmentation and advertising.  Aligns business among Business Development, Commercial Sales, Medicare and Public Sector Programs and Product Development. Seeks to enhance and be responsible for business development and expansion through the development of an effective product portfolio, strong interpersonal relationships and service excellence.

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