Off-Topic: I don't want them tinkering

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	Name:	GoneFishin -
	Subject:	I don't want them tinkering
	Date:	5/9/2009 3:38:13 PM

Hound, traditionally insurance companies do not cut back from 100% to 80%. It is the employer who decides on that percent. In order to control costs, an employer will require that you the employee share in the cost. This can be with a deductible or co insurance such as 80%-20%.

I would suggest to you that the government as do large employers do not carry traditional insurance. Rather, they fund the program and the carrier pays the claims for a fee. The employer can provide as broad a program as they are willing to fund. Traditionally, they are provided options and recommendations to control costs.

Smaller companies are offered fully insured plans and select which options they want to offer from a menu of benefits. As premiums escalate a business owner will implement deductibles, co insurance, or higher employee share of premiums.