Private Exchange

Private Exchange



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Private Exchange


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Все языки Абхазский Адыгейский Африкаанс Айнский язык Алтайский Арабский Аварский Аймара Азербайджанский Башкирский Белорусский Болгарский Каталанский Чеченский Чаморро Шорский Чероки Чешский Крымскотатарский Церковнославянский (Старославянский) Чувашский Датский Немецкий Греческий Английский Эсперанто Испанский Эстонский Баскский Эвенкийский Персидский Финский Фарерский Французский Ирландский Галисийский Клингонский Эльзасский Иврит Хинди Хорватский Гаитянский Венгерский Армянский Индонезийский Ингушский Исландский Итальянский Ижорский Японский Ложбан Грузинский Карачаевский Казахский Кхмерский Корейский Кумыкский Курдский Латинский Лингала Литовский Латышский Мокшанский Маори Марийский Македонский Монгольский Малайский Мальтийский Майя Эрзянский Нидерландский Норвежский Осетинский Пенджабский Пали Польский Папьяменто Древнерусский язык Пушту Португальский Кечуа Квенья Румынский, Молдавский Русский Якутский Словацкий Словенский Албанский Сербский Шведский Суахили Тамильский Таджикский Тайский Туркменский Тагальский Турецкий Татарский Удмурдский Уйгурский Украинский Урду Урумский Узбекский Водский Вьетнамский Вепсский Идиш Йоруба Китайский

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private exchange —    ( PX )     See private automatic exchange …   IT glossary of terms , acronyms and abbreviations
private automatic exchange —    ( PAX )     Small local telephone switch that serves inside extensions only , with no ability to connect calls to the public telephone system .     Also called private exchange …   IT glossary of terms , acronyms and abbreviations
Private equity in the 21st century — relates to one of the major periods in the history of private equity and venture capital . Within the broader private equity industry , two distinct sub industries , leveraged buyouts and venture capital experienced growth along parallel although … …   Wikipedia
Private equity in the 1980s — relates to one of the major periods in the history of private equity and venture capital . Within the broader private equity industry , two distinct sub industries , leveraged buyouts and venture capital experienced growth along parallel although … …   Wikipedia
Private equity in the 1990s — relates to one of the major periods in the history of private equity and venture capital . Within the broader private equity industry , two distinct sub industries , leveraged buyouts and venture capital experienced growth along parallel although … …   Wikipedia
private branch exchange — ➔ PBX * * * private branch exchange UK US noun [ C ] ► COMMUNICATIONS PBX ( Cf . ↑ PBX ) …   Financial and business terms
Private P2P — networks are peer to peer ( P2P ) networks that only allow some mutually trusted computers to share files . This can be achieved by using a central server or hub to authenticate clients , in which case the functionality is similar to a private FTP … …   Wikipedia
Exchange Alley , London — Exchange Alley or Change Alley is a narrow alleyway connecting shops and coffeehouses in an old neighborhood of the City of London , England , bounded by Lombard Street , Cornhill and Birchin Lane [ [ http: // books . google . com / books ? id = OwaAAAAMAAJ … …   Wikipedia
Private police — are law enforcement bodies that are owned and / or controlled by non governmental entities . These can be firms to which the government contracts out police work ( e . g . the 1975 1977 Oro Valley , Arizona Rural / Metro contract , the 1980 Reminderville ,… …   Wikipedia
private offering — n: the sale of an issue of securities directly by the issuer to one or a few large investors without any public offering – called also private placement ; compare public offering ◇ A private offering is exempt from the requirements of filing a … …   Law dictionary
Private branch exchange — A private branch exchange ( PBX ) is a telephone exchange that serves a particular business or office , as opposed to one that a common carrier or telephone company operates for many businesses or for the general public . PBXs are also referred to as …   Wikipedia
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Private exchange - Wikipedia
private exchange - это... Что такое private exchange ?
Private exchange — Wikipedia Republished // WIKI 2
private exchange - определение - английский
Private Exchange 2016 : Exchange sur un serveur privé- OVH

^ Examining private exchanges in the employer-sponsored insurance market by Alex Alvarado, The Henry J. Kaiser Family Foundation.

^ "Employers warming up to private insurance exchanges" . Modern Healthcare .

^ Cohen, Alan; Condeluci, Christopher. "Private Health Insurance Exchanges: What Are They and What Makes Them Successful?" (PDF) . Associated General Contractors of America . Liazon.

^ Millman, Jason (8 December 2014). "Can technology pick the perfect health plan for you?" . Washington Post .

^ Hall, Mark J. (October 2015). "Private Health Insurance Exchanges for Employers: Issues for Regulators and Public Policy" (PDF) . Changes in Health Care Financing & Organization .

^ MacDonald, Jay (6 January 2014). "Medicare Exchanges Transform Retiree Care | Bankrate.com" . www.bankrate.com .

^ Alvarado, Alex; Rae, Matthew; Claxton, Gary; Levitt, Larry. "Examining Private Exchanges in the Employer-Sponsored Insurance Market" . Kaiser Family Foundation .

^ Alvarado, Alex; Rae, Matthew; Claxton, Gary; Levitt, Larry. "Examining Private Exchanges in the Employer-Sponsored Insurance Market" . Kaiser Family Foundation .

^ Manager, HTI Community (20 February 2014). "Public vs Private Exchanges – 3 Big Differences - Healthcare Trends Institute" . Healthcare Trends Institute .

^ Harnett, Carol. "Private Exchange Designs Continue to Morph" . www.HREOnline.com .




This page was last edited on 28 May 2019, at 20:02

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A pri­vate exchange , also known as a pri­vate ben­e­fits exchange or pri­vate health care exchange , is an on­line store or health in­sur­ance mar­ket­place where em­ploy­ees or re­tirees pur­chase health in­sur­ance and other ben­e­fits , typ­i­cally using funds con­tributed by their employer. [1]

A pri­vate ex­change is an on­line mar­ket­place that al­lows em­ploy­ees or re­tirees to shop for a per­son­al­ized ben­e­fits pack­age from a broad se­lec­tion of ben­e­fit plans, which often in­cludes med­ical, vi­sion, den­tal , life , and dis­abil­ity in­sur­ance plans, as well as other of­fer­ings in­clud­ing non-in­sur­ance prod­ucts like pre­paid legal , FSA 's, iden­tity theft pro­tec­tion, and so on. [2] Em­ploy­ers choose the plans and prod­ucts they wish to offer on a pri­vate ex­change and al­lo­cate funds that their em­ploy­ees or re­tirees can use to pur­chase ben­e­fits in the mar­ket­place. Ex­change users have the op­tion to con­tribute ad­di­tional funds be­yond their em­ployer con­tri­bu­tion should they want to pur­chase more than the em­ployer con­tri­bu­tion cov­ers.

Ex­change users log into a web-based por­tal to se­lect the ben­e­fits that best fit their needs. In the por­tal, users are guided by de­ci­sion sup­port tools , such as ed­u­ca­tional ar­ti­cles and videos, plan com­par­i­son tools, physi­cian look-up tools, cost es­ti­ma­tors, and rec­om­men­da­tions to help them make in­formed choices.

The fea­tures of a pri­vate ex­change in­clude the following: [3]

Al­though the con­cept of pri­vate ex­changes has ex­isted for decades, the first suc­cess­ful pri­vate ex­changes arose in the re­tiree health ben­e­fits sec­tor in the form of Medicare exchanges. [5] Medicare ex­changes pro­vide re­tirees with a se­lec­tion of: Medicare Ad­van­tage plans (the more com­pre­hen­sive Medicare plans of­fered by pri­vate in­sur­ers); Medicare Part D Pre­scrip­tion Drug cov­er­age; and Medicare sup­ple­ment poli­cies, also known as Medi­gap .

The first Medicare ex­change was op­er­ated by Ex­tend Health, which launched in 2005, and al­lowed car man­u­fac­turer Chrysler to move its re­tirees from its cost-pro­hib­i­tive group plan and into the in­di­vid­ual Medicare mar­ket, where re­tirees could choose their cov­er­age to fit their bud­get and health care needs. (Ex­tend Health was ac­quired by Willis Tow­ers Wat­son in 2012.). [6]

It's un­clear when ex­actly the first pri­vate ex­change for em­ploy­ees was formed. Some of the pi­o­neers in­clude bswift (1996), Li­a­zon (2007) Bloom Health (2009), and Con­nected Health (2009). [7]

Three major types of com­pa­nies are build­ing pri­vate exchanges: [8]

Pri­vate ex­changes and pub­lic ex­changes , also known as pub­lic health in­sur­ance ex­changes, both en­able the pur­chase of ben­e­fits through an on­line mar­ket­place. How­ever, pri­vate ex­changes are of­fered by em­ploy­ers for use by ac­tive and/or re­tired em­ploy­ees and in­clude health in­sur­ance and other types of ben­e­fits. Pub­lic ex­changes, on the other hand, were es­tab­lished under the Af­ford­able Care Act to give in­di­vid­u­als the op­por­tu­nity to pur­chase health in­sur­ance, often with a gov­ern­ment sub­sidy if eligible. [9] Pri­vate ex­changes are op­er­ated by pri­vate en­ti­ties such as bro­kers, car­ri­ers and tech­nol­ogy com­pa­nies, while pub­lic ex­changes are op­er­ated by in­di­vid­ual states or the fed­eral gov­ern­ment or via a fed­eral/state part­ner­ship. Fi­nally, pri­vate ex­changes typ­i­cally offer vary­ing de­grees of de­ci­sion sup­port, or ways to guide em­ploy­ees through the ben­e­fits se­lec­tion process, through ed­u­ca­tion and sys­tem rec­om­men­da­tions. Pri­vate ex­changes may be ac­cessed by em­ploy­ees through­out the year to re­view their ben­e­fits or make qual­i­fy­ing changes to their cov­er­age, whereas pub­lic ex­changes cur­rently lack de­ci­sion sup­port and can only be ac­cessed for Open En­roll­ment ex­cept in the case of a qual­i­fy­ing event.

While both pri­vate ex­changes and ben­e­fits ad­min­is­tra­tion plat­forms lever­age tech­nol­ogy to sim­plify ben­e­fits and re­duce the ad­min­is­tra­tive bur­den on HR, pri­vate ex­changes take a con­sumer-dri­ven ap­proach to ben­e­fits. A ben­e­fits ad­min­is­tra­tion plat­form sim­ply al­lows a tran­si­tion from paper en­roll­ment to on­line enrollment. [10]

A de­fined con­tri­bu­tion strat­egy is com­mon on pri­vate ex­changes, al­low­ing em­ploy­ers to con­trol costs by set­ting a de­fined bud­get and then let­ting their em­ploy­ees shop for ben­e­fits. In ad­di­tion, pri­vate ex­changes pro­vide mean­ing­ful choice through mul­ti­ple ben­e­fit type and plan of­fer­ings along with de­ci­sion sup­port to guide em­ploy­ees through the shop­ping ex­pe­ri­ence.


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