Acknowledgements
About the International Foundation of Employee Benefit Plans
About the International Society of Certified Employee Benefit Specialists
About Research at the International Foundation
I. Introduction
II. Key Findings
III. Demographic Profile of Respondents
IV. Dependent Coverage
V. High-Deductible Health Plans
VI. Approaches to Eliminating Limits and Restrictions
VII. Funding Approaches
VIII. Retiree Coverage and Health Plan Benefit Strategies
IX. Communication/Education Initiatives About Health Care Reform
X. Cost Impacts and Other Opinions on Health Care Reform
XI. Conclusions
List of Exhibits
1. Region
2. Number of Employees
3. Primary Industry
4. Role/Relationship to Health Plan
5. Most Recent Total Annual Revenue
6. Offer Medical Benefits to Full-Time Employees
7. Offer Medical Benefits to Employees Working 30-39 Hours Weekly
8. Types of Medical Plans Offered
9. Health Care Benefits Offered to Active Employees
10. Benefits Offered to Active Employees and Dependents
11. Changes to Eligibility Requirements of Medical Plan for Dependents
12. Cost-Sharing for Dependent Coverage
13 Changes to Eligibility Requirements of Other Plans for Dependents
14. Offer High-Deductible Health Plan
15. Types of High-Deductible Health Plans Offered
16. Changes in High-Deductible Health Plan Offerings
17. Changes in High-Deductible Health Plan Arrangements
18. Changes to Eligibility Requirements of Medical Plan for Employees
19. Medical Plan Funding
20. Changes in Medical Plan Funding
21. Medical Benefits Offered to Retirees
22. Benefits Offered to Retirees and Dependents
23. Reviewing Health Plan Benefit Strategies for Retirees
24. Early Retiree Medical Reinsurance Program
25. Reactions to Removal of Favorable Tax Treatment of Retiree Prescription Drug Subsidies
26. Presence of Separate Retiree Medical Plan
27. Plans for Creating a Separate Retiree Medical Plan
28. Likelihood of Offering CLASS Act Benefits
29. Contacts by Participants With Human Resources/ Benefits Staff Regarding Health Care Reform Legislation
30. Communicating With Participants About the New Legislation
31. Communication/Education Initiatives About Health Care Reform Legislation
32. Top Provisions Impacting Plan Costs
33. Opinions on Health Care Reform Legislation