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gnash
09-15-2004, 08:34 AM
Okay, dumb question: Is there any material difference between what one article calls pdhb and the red book calls 'flexible benefits'?


Am I missing something obvious?

Thanks

Storm
09-15-2004, 09:21 AM
They are very similar. The PDHB deals with more "could be's" if some laws where changed (e.g. tax efficient means to save for retiree medical benefits). Also, it focus is on portability, having the medical accounts and shopping at "supermarkets" for medical plans that could follow from job to job. Finally, PDHB is more comprehensive, where flex benefits focus is on group benefits", PDHB proposes ways to help all uninsured (whether the are in a group or not).

Phil
09-15-2004, 11:16 AM
The more flexible they are, the more "patient-directed" they are.

A flex plan with only 2 options is not very patient-directed.

A flex plan with 6 options, provided by an external vendor, which can include personal spending accounts which can be pooled between you and spouse, or from which you can opt out, is very patient-directed.

gnash
09-15-2004, 04:52 PM
The more flexible they are, the more "patient-directed" they are.

A flex plan with only 2 options is not very patient-directed.

A flex plan with 6 options, provided by an external vendor, which can include personal spending accounts which can be pooled between you and spouse, or from which you can opt out, is very patient-directed.

Thanks