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Archive for the ‘Health’ Category

What Must A Corporate Health Program Include?

Friday, September 18th, 2015

Companies must view corporate health programs more as an investment and less as expenditure. This is because only if companies have a healthy workforce, can they grow and develop. An unhealthy employee is not able to give their 100% dedication to the job. Moreover, sometimes work involves dealing with hazardous and life threatening situations. If an employee gets injured at work and the company does not have a health and safety program in place, the repercussions could be drastic.

Also it is very difficult for a company to manage the health and safety of its employees on its own. Since this is a highly professional job which needs a high degree of specialization, it is best left to the experts. It therefore is a rational choice for companies to outsource their corporate health services to a specialist provider rather than make the arrangements themselves.

Now, since we know that corporate health programs are necessary, let’s find out what exactly would you want one to include.

Health Screening: Health screening must happen at two levels. Firstly the pre employment screens, and then the regular screens which act as health surveillance. Commonly used treatments in these screenings include audiogram, vaccinations, stress, lung function tests, influenza, flu.

Also there is a responsibility on the part of the employer to make efforts to keep employees free from health hazard. There is a policy for dissemination of information in this regard. It is called HSE. C.O.S.H.H. (Control of substances hazardous to health) is also a part of this paradigm.

First Aid: A corporate health service provider must ensure that they have the necessary tools to take care of any occupational health hazards that may arise on duty. A ready first aid kid based on the types of accidents that can be foreseen would add greatly to the health and safety of the employees. It would also add to their morale as they will perceive the employer as being interested in their well being as well.

Diagnosis: A corporation must be prepared to diagnose its employees, if their health is endangered at work. In case of common ailments, they can be diagnosed on the spot. But in case of accidents the corporate health provider can only act as an advisor. The treatment may have to take place a full-fledged hospital. However, the first aid and accident advice given can go a long way in saving the life of an injured employee.

Corporate health providers are also useful in sickness absence investigation. They can verify the diseases which have been diagnosed and check the medicals that accompany it. This will help you get rid of employees who fake health conditions to get leaves.

Mental Conditions: In cases of medical conditions manual consultancy is required. Only after the detailed assessment can the disease be found out. These procedures are lengthy and require specialised medical health. Also medical health issues are very much prevalent today. A corporate health provider can make handling this manageable for you. They have a team of doctors which are equipped to take care of such conditions.

Supplies: Corporate health providers in Slough will also provide you medical supplies. Apart from having a nurse and doctor who are equipped to deal with any risk or safety hazards, they provide you with the medications too. It’s an end to end healthcare solution for the corporate in question.

Corporate health care providers are required both on humanitarian grounds as well as a legal necessity. Ensure that your provider gives you all the above mentioned facilities before you sign a contract with them. Quality is the main issue in regards to health. Being vigilant and safe is better than being sorry..

Types Of Health Insurance Plans

Monday, July 9th, 2012

When individuals approach any health agent for health insurance help, insurance agents suggest four types of policies to them. They are as follows:

Major medical plan:

Major medical plans are those plans in which individuals need to pay deductibles to health coverage companies to obtain benefits. Deductibles are nothing but a part of the amount, which people have to pay while applying for a policy. Later, health insurance firms pay about 80% of medical bills and insurers have to pay the remaining 20% of billed amounts.

Buyers may select any doctors to get medical services and pay fees to these doctors directly. However, they need to obtain a bill and furnish it to the insurance companies, who in turn reimburse 80% of the bill amount to the insured. This type of health insurance plan is a traditional health plan.

HMO plan:

An HMO (Health Maintenance Organization) is a type of health policy that focuses mainly on life long health care of the insured. This plan is more affordable than the major medical plan. People need to select their doctors from a list of doctors furnished by insurance companies. These doctors provide medical services to them. If required, they also co-ordinate with other specialists and hospitals, to provide the best available health service.

As a result, most people across the US prefer this type of health plan.

PPO health plan:

PPO (Preferred Provider Organization) is similar to an HMO plan. Health insurers refer in-network doctors and insured people refer their own out-network doctors. Here, people may choose in-network or out-network doctors as per their wish.

However, if people choose out-network doctors they will have to shell out a huge amount as fee because in-network doctors charge a reasonable amount. Whether insured people choose in-network or out-network doctors, health companies pay only 80 % of the medical bill amount to insured people.

POS Health Plan:

POS (Point of service) health plan has properties of both PPO plan as well as of HMO plan. Here, people need to select the doctors referred by insurance companies. However, people may then seek treatment from out-network doctors after informing and taking permission from their in-network doctors. This plan is slightly more expensive than other health plans.

Thus, refer to this health insurance help and choose the best health plan to cover the medical bills so that the unexpected cost does not hamper the monthly budget..