Dessler_HRM12e_PPT_13分析.ppt

Human Resources Management 12eGary Dessler Copyright ? 2011 Pearson Education, Inc. publishing as Prentice Hall 13–* Hospitalization, health, and disability insurance helps protect employees against hospitalization costs and the loss of income arising from off-the-job accidents or illness. Many employers purchase insurance from life insurance companies, casualty insurance companies, or Blue Cross (for hospital expenses) and Blue Shield (for physician expenses) organizations. Others contract with health maintenance organizations or preferred provider organizations. Disability insurance provides income protection for salary loss due to illness or accident. Human Resources Management 12eGary Dessler Copyright ? 2011 Pearson Education, Inc. publishing as Prentice Hall 13–* Table 13-3 illustrates the prevalence of health-related benefits. Most employer health plans provide at least basic hospitalization and surgical and medical insurance for all eligible employees at group rates. Insurance is generally available to all employees—including new nonprobationary ones—regardless of health or physical condition. Most basic plans pay for hospital room and board, surgery charges, and medical expenses (such as doctors’ visits to the hospital). Some also provide “major medical” coverage to meet the medical expenses resulting from serious illnesses. Human Resources Management 12eGary Dessler Copyright ? 2011 Pearson Education, Inc. publishing as Prentice Hall 13–* Many employers offer membership in a health maintenance organization (HMO) as a hospital/medical insurance option. Employees often have general practitioner “gatekeeper” doctors who need to approve appointments with specialist doctors. Human Resources Management 12eGary Dessler Copyright ? 2011 Pearson Education, Inc. publishing as Prentice Hall 13–* Preferred provider organizations (PPOs) are a cross between HMOs and the traditional doctor-patient arrangement: They are “groups of health care providers that con