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View Diary: White House officials outline the 'accommodations' on birth control (284 comments)

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  •  What happens if self-insured? (2+ / 0-)
    Recommended by:
    OhioNatureMom, schnecke21

    Organizations do not have to comply with mandates if they self-insure (most do because of employee relations). One of the things with the previous Administration rule is that it closed the loophole regarding self-insurance.

    If an organization self-insures, they are paying the actual health care costs plus an administrative fee to the insurance companies to perform the administration of the plan.

    Therefore, if these church-affiliated organizations decide to self-insure, what happens?

    •  I guess nothing? Do current insurance regulations (5+ / 0-)

      apply to the self-insured if it isn't assisted by a 3rd-party?

      Today, strive to be the person you want to be.

      by GoGoGoEverton on Fri Feb 10, 2012 at 08:30:12 AM PST

      [ Parent ]

      •  Self-insured do not have to comply w/mandates (0+ / 0-)

        but as I said most do because of employee relations issues.

        And as an ex-benefits manager, I don't know of any company that handles administration in-house. It's too complex a and opens them to liability. By employing insurers to administer the plan they can remain neutral in decisions regarding approval and denial of services.

        Plus it would be costly in terms of staffing and claims processing software, etc. to do this in-house.

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