After Reading the real life scenario bellow....

What options are available for an employer who is looking at away to provide good benefits without increased costs to either theemployees or to the practice. Assume that your current healthinsurance is a traditional plan in which there is an annual $200deductible and 20% coinsurance regardless of which doctor you goto??

"Sunshine Medical Group, a group of 25 employees located in ametropolitan area, has elected to purchase traditional healthbenefits from a large, private, third-party payer, since thepractice opened 5 years earlier. It is time to negoti- ate thecontract for coverage for the next calendar year and the proposalfrom the company is almost $85 per employee, per month, higher thanthe practice has been paying. The current amount per employee, permonth, is $515.00 and the new amount is $599.00. The representativehas suggested that charging a higher copayment and deductible foremployees will lower the premium. The physicians and practicemanager would rather find a reputable managed care plan, possiblyeven an HMO since there are a lot of choices in their area, than tohave to pass on any extra costs to the employees or reduce currentbenefits. They also don’t feel the proposed increase is the bestuse of the practice’s funds. The practice manager calls theemployees together to present the situation and ask each employeeto research options over the next 10 business days and return to ameeting to share their findings/proposals."