1. Most employers provide group health insurance for employees, including hospital, surgical and regular major medical, major medical, dental, and disability protection. Premiums may be paid by the employee, or partially by each. Lopez Luna Insurance, Inc. helps you to choose the most convinient for you and your group. CALL US.
 
2. With todays emphasis on the bottom line, a recent survey of 1,000 employees conducted by Godwins Booke & Dickenson set out to find out " What benefits and programs do employees value highly, and how can these benefits and programs increase productivity?" Not surprisingly, employees rank medical benefits and various retirement benefits highest in terms of importance. The survey found that traditional "core" benefits, such as medical and retirement programs, are the most important benefits to employees, with an average rating of at least 9.0 on a 10-point scale.(CCH)
 
3. Health insurance plans, particulary those of major employers, often include dental coverage. Vision coverage may also be provided, but it is less common. Dental or vision plans may be offered as separate plans or as benefit choices under a cafeteria plan. We can help you evaluate these options.
 
4. According to a survey, the most important factors when employees consider a job offer are starting salary and employee benefits. The employer's willingness to consider the employee's personal life was ranked ahead of job location, job advancement potential and the nature of the work. Employees who are satisfied with their pay and benefits and are satisfied that their employer's sucess and are less likely to change jobs.(CCH)
 
5. Fewer employers are offering retiree health care benefits, and those that do are taking steps to control costs, including offering HMO's and managed care options to their retired employees. According to the 2000 Mercer National Survey of Employer-sponsored Health Plans, only 31% of large employers offer health coverage to retirees not yet eligible for Medicare and only 24% offer coverage to Medicare-eligible retirees. Preferred provider organizations receive Medicare reimbursement for individual covered under their plans in the same manner as insured plans or self-founded plans do-- via an intermediary that processes claim payments as a third-party administrator based on reasonable and customary fees for service. HMOs have slightly different options for enrolling Medicare-covered individuals. An HMO may offer an optional benefits package to Medicare enrollees and charges an aditional premium for it, however, the HMO may not use health status standars as a criteria for accepting enrollees for such optional package. Medicare will not underwrite the cost of such supplemental services. If the HMO offer such supplemental services to non-risk enrollees, it may charge neither Medicare nor the enrollees for the package - funding must come from the organization's saving.(CCH)