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Sep 7, 2008 |
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HMO Risk Contracts Your company can achieve significant reductions in retiree benefit costs by taking advantage of the NSC Retiree Health Program's ability to offer HMO Risk Contracts. HMO Risk Contracts generally offer retirees substantially more benefits than traditional fee-for-service plans. The low cost of most HMO Risk Contracts effectively allows your company the ability to offer an expanded benefit package for minimal cost above the Part B premium. Most HMO Risk Contracts also eliminate the need for your retirees to file claims. Filling a claim can be the most confusing and frustrating aspect of many retirees' benefit programs. Eliminating the hassle of filling out claim forms is a valuable benefit to many retirees. Although risk contracts offer an attractive financial solution to employers, implementation is difficult. There are no nationwide contractors. Each HMO manages the risk of providing health care to seniors separately. Seniors in various markets and income strata have differing views of managed care options. 
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