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Ensuring Fairness in Health Care Coverage: An Employer's Guide to Making Good Decisions on Tough Issues Book

Ensuring Fairness in Health Care Coverage: An Employer's Guide to Making Good Decisions on Tough Issues
Ensuring Fairness in Health Care Coverage: An Employer's Guide to Making Good Decisions on Tough Issues, Choosing a health care plan that is both ethically sound and financially prudent is one of the biggest challenges facing businesses today. Many people think that high-quality, compassionate health care plans are prohibitively expensive. But in reality, p, Ensuring Fairness in Health Care Coverage: An Employer's Guide to Making Good Decisions on Tough Issues has a rating of 3.5 stars
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Ensuring Fairness in Health Care Coverage: An Employer's Guide to Making Good Decisions on Tough Issues, Choosing a health care plan that is both ethically sound and financially prudent is one of the biggest challenges facing businesses today. Many people think that high-quality, compassionate health care plans are prohibitively expensive. But in reality, p, Ensuring Fairness in Health Care Coverage: An Employer's Guide to Making Good Decisions on Tough Issues
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  • Ensuring Fairness in Health Care Coverage: An Employer's Guide to Making Good Decisions on Tough Issues
  • Written by author Matthew K. Wynia
  • Published by AMACOM, November 2006
  • "Choosing a health care plan that is both ethically sound and financially prudent is one of the biggest challenges facing businesses today. Many people think that high-quality, compassionate health care plans are prohibitively expensive. But in reality, p
  • Based on a study by the Ethical Force Program, led by the Institute for Ethics at the American Medical Association, Ensuring Fairness in Health Care Coverage helps employers make difficult decisions about the fairness -- and perceived fairness -- of the h
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Authors

"Foreword

vii

Acknowledgments

xi

Part I: The Issues and Principles of Fair Health Care Decisions

Chapter 1

What's Fair? An Introduction to Fairness Issues

3

Foundations

5

Audience

7

Form and Function

8

The Stages of Health Care Coverage Decisions

9

Where to Apply the Five Ethical Guideposts

11

Legal Ramifications

13

The Ethical Guideposts Reflect Overlapping Ethical Principles

13

Next Steps

15

Chapter 2

Why Worry? The Business Case for Fair Decisions

16

The Five Ethical Guideposts for Making Fair Decisions

23

The Business Case

26

Two-Step Decisions

29

Abuse or Misuse of the Ethical Guideposts

30

""Give Him an Inch and He'll Take a Mile"": The Importance of Balancing the Ethical Guideposts

32

Will the Guideposts Really Work?

33

Conclusion

36

Chapter 3

Why Is Health Insurance for Employees My Problem, Anyway? A Brief History of Health Insurance Coverage in the United States

38

Health Insurance in the United States

42

Tensions Within Managed Care

48

The Ethical Role of Businesses in Providing Health Insurance Coverage

52

The Basic Terminology of Health Insurance Coverage

54

Part II: The Five Ethical Guideposts of Fair Decision-Making

Chapter 4

A Clear Choice: The Decision-Making Process Should Be Transparent

63

Why Transparency Is Important

65

Transparency Is Critical in Times of Transition

67

Transparency and Communication Barriers

71

Why Wouldn't an Employer Be Transparent?

72

Maximizing the Transparency of Your Decision-Making

73

What's the Business Case for Transparency?

75

Transparency as the Foundation of Fairness

76

Case Studies

78

[bpConclusion

90

Chapter 5

Get It Together: The Decision-Making Process Should Be Participatory

92

Improving Decision-Making Through Employee Participation

94

The Business Case for Employee Participation

97

Offering Employees the Opportunity to Participate

100

Why Wouldn't an Employer Be Participatory?

102

Case Studies

105

Conclusion

110

Chapter 6

You Can Count On It: The Decision-Making Process Should Be Consistent

111

Why Wouldn't an Employer Be Consistent?

114

What's the Business Case for Consistent Decision-Making?

117

Case Studies

118

Conclusion

129

Chapter 7

The Value Equation: The Decision-Making Process Should Be Sensitive to Value

131

Judgments of Value

134

Centers of Excellent Value

139

Determination of What? By Whom?

140

Why Wouldn't an Employer Be Sensitive to Value?

142

Case Studies

143

Conclusion

149

Chapter 8

Stay Flexible: The Decision-Making Process Should Be Compassionate

150

Types of Compassion

153

What Is the Business Case for Compassion?

156

Measuring and Balancing Compassion

157

Why Wouldn't an Employer Be Compassionate?

157

Case Studies

159

Conclusion

164

Chapter 9

Putting It All Together: Ensuring Fair Decisions

165

The Five Ethical Guideposts of Fair Decisions

167

Summarizing the Business Case (Once More, with Feeling)

172

Consistent, but Not Transparent?

174

Using Resources like HEDIS;rm, and Knowing Your Limits

175

Conclusion

175

Afterword

177

Appendix A: The Expert Advisory Panel on Benefits Determination

183

Appendix B: Steering by the Rearview Mirror: Factors That Shape Employee Health Plans

185

Appendix C: Selected Resources

213

Index

221

About the Authors

226"


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