Berkie
Jul 15, 2008, 02:13 PM
Does anybody know if it is unlawful for an employer to offer two group health insurance plans. One is a self insured plan. And the other is fully insured. However, what they do is: they only offer the fully insured plan to employees that they know will have a large amount of impending medical claims, for example a pregnancy. So, they conduct interviews with the employees, identify the ones that they expect will have a high value claim or claims, and encourage them to enroll in the fully insured plan (they, in effect offer them the fully insured plan) For everybody else... they only offer the self-insured plan, thereby putting all of the high risk members of the population in the fully insured plan, and the lower risk folks in the self-insured plan, thereby keeping the cost down