Yvancia, Benjamin
Economic Issue stimulation paper
July 8, 2015
HCS/440

Health Maintenance organization (HMO) is an organization that offer a wide range of health services insurance through a network of providers dealing with supplying services to they member. Self-funded health care benefit plans, individual and other entities as a connection with health care providers or hospital on a prepaid basic. In this stimulation I will review the company demographic, the HMO plans, an overview of castor Collin plans, reason why each plan could be selected and reason for my decision.
Castor Collin health plan was founded in 1990 in Pantone, and offer Health Maintenance to organization. Castor Collin provide health insurance and health maintenance to enrollees through it statewide network of physician and hospital. Castor Collin currently has 10,000 enrollees throughout the Unites State and is looking forward to increasing this number.
Two company are trying to find coverage for they employees and looking to see what Castor Collin has to offer them. The two company are E-editor and Constructit that are currently seeking coverage. Constructit consist of 1,000 employee and E-editor have 1,600 employee. Both of these company have provided the maximum amount they are willing to pay, the demographics, and health risk factor of their employee. E-editor are willingly to pay an annually maximum amount of $4,500 per employee, and Constructit is willing to pay $4,000 per employee annually.
As a representative of Castor insurance the job is to minimize risk for the company while maximizing they profit. There are two plan that are convenient for the group, and a third one is available also but quite different from the other two. Castor Standard plan and Castor Enhanced covered the pre-existing condition that the employee might have. The castor enhance minor is the third plan,