Ridgefield, NJ (PRWEB) October 25, 2006
Based on more than 10,000 interviews with employees and employers, Information Strategies, Inc. has published "An Employees Guide To The Open Enrollment Process."
The free Guide is appearing at a time when millions of Americans are going through the annual ritual of choosing their 2007 healthcare coverage. It is also available during a period when many companies are asking employees to pay a higher percentage of their healthcare costs and/or changing healthcare benefits and therefore it is very important that they choose the plan that best fits their needs.
Healthcare costs are amongst the single highest expenditure for all Americans. Since the millennium, healthcare costs have risen at a pace five times the inflation rate and four times the average rate of wage increases, according to Dr. Henry E. Simmons, National Coalition on Health Care article, April 19, 2006. This means that most employees are devoting a higher percentage of their salary to healthcare today than in 2000.
"With the number of plan options growing each year, this Guide is designed to provide employees with information and suggestions on how to evaluate their needs against the evolving offerings," said JoAnn Laing, ISI President & CEO. "The Guide is also valuable to HR departments planning to make changes in their healthcare benefits."
The guide is available at no charge as a PDF download from two of the company's websites, http://www.hsafinder.com/pdf/healthcare_enrollment_guide.pdf and http://4hsausers.com/pdf/healthcare_enrollment_guide.pdf.
"What we attempted to do is provide background and questions employees need to know and use in order to choose the option that best fits their particular situation," Laing added.
Among the features of the Guide is it's identification of key concerns that employees should address when they review plan options. They include:
-What are my current and expected healthcare issues?
-Do I (or a member of my family) have a recurring illness that requires ongoing care?
-Do I expect or want a specific procedure performed in the coming year?
-Are there any safeguards in place should I have a catastrophic illness or accident?
-Are there vision or dental problems that are or will need to be addressed?
-How much can I put aside to cover anticipated and unanticipated healthcare costs?
The Guide also contains a chart to help employees determine their total costs for healthcare and to compare against options available in 2007.
Also included in the Guide is a comparison chart reviewing the available major insurance options. A detailed review of Consumer Directed Healthcare options is also included.
About Information Strategies, Inc. an information and media company serving the healthcare, human resource and small and medium size business sectors. It regularly surveys participants and bases its 12 newsletters on feedback and information gleaned from proprietary sources. More about the company is available at http://www.is-incorp.com. It is not affiliated with any insurance providers and remains the only independent CDH site on the Internet. The company is located in Ridgefield, NJ and has been a leading source of information to its constituent sectors for more than six years.