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Health Insurance
Name
Institutional Affiliation

Health Insurance
Benefits and services offered
The management health plan used by my organization is ideal for all the employees and other benefactors of the program. Through a comprehensive evaluation, it provides all the essential elements. Kongstvedt (2013) shows that an ideal health plan has to provide various benefits that include comprehensive medical care for employees and their families. The scheme caters for both inpatient and outpatient services that include treatment of multiple chronic diseases.
Costs and benefits
The costs associated with the benefits are as per required by various employee based institutions. The plan works on a premium basis where the employer and the employee are subject to deduction of a set amount either annually or monthly. The program caters for all the medical services required by the member. The co-payment method is more affordable and can be easily managed by both the employee and the organization to ensure that all members are safe in the work environment.
Services of the primary care physician
The managed care plan enables members to choose their preferred physicians. The program which is inclusive of an insurance cover is redeemable in institutions that accept such forms of policies. The plan does not limit the number of physician visits performed by a member. The program is structured in a way where the member is allowed to change physicians or hospitals prior to proper notification in the relevant department.

Prescription drug benefits
On the other hand, the plan includes a tiered system that controls the provision of prescription drugs. The member has the freedom to determine the tier in which their medications fall to provide a precise co-payment method. Due to the copayment system, it ensures that members can monitor their prescriptions and determine which will be more cost friendly or how they can make an additional payment (Wager, 2017).
Provider coverage and geographical service area
The plan provides coverage dependent on the member’s geographical region. However, it provides cover in instances where the member may have an emergency or suffers from a chronic disorder. In situations where the member requires specialized treatment, the plan provides a system where the patient is transported by a family member of choice. Moreover, it provides payment for specialist services as long as the monthly or annual fee has not been defaulted. In this case, proper documentation must be submitted to ensure bill tracking and reimbursements.
Commitment to quality of care and service
Gesme & Wiseman (2010) agree that the health care plan has its primary role as to ensure members get quality care and are satisfied with the services offered. The plan follows all the regulations set and has been accredited by the governing body. The accrediting agency ensures that the program commits to the measures of quality provision.
Customer satisfaction
Enrolled members, on the other hand, are satisfied by the services provided by the plan. They are zealous of the quality service provided. The plan providers conduct satisfaction surveys to ensure that all members are satisfied with the service of the program and that they receive quality health care services. The polls are supervised by an oversight body that provides accreditation of the plan. The reviews are internally motivated or can be requested by the oversight accrediting body.
Limitations , maximums or exclusions
The overall program is ideal for the organization and caters to all the health needs of the members. However, for the provision of high-quality service by the program, the members must adhere to all the rules and regulations of the plan providers.
COBRA The employer must notify all employees of any underlying terms. The members, on the other hand, must make timely payments to ensure full coverage of their medical services (Wager, Lee & Glaser, 2017). 

References
Gesme, D., & Wiseman, M. (2010). How to Negotiate With Health Care Plans. Journal of Oncology Practice, 6(4), 220-222.
Kongstvedt, P. (2013). Essentials of managed health care. Burlington, MA: Jones and Bartlett Learning.
Wager, K. (2017). Health care information systems. John Wiley & Sons.
Wager, K., Lee, F., & Glaser, J. (2017). Health Care Information Systems: A Practical Approach for Health Care Management. John Wiley & Sons.