Health Insurance

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Part I – Medicare, Medicaid, and Managed Care – Skills Assignment 

Fact Pattern

You are the Chief Risk Management and Health Director of Brick-and-Paper, Inc. (“Brick-and-Paper”).  Brick-and-Paper was incorporated in 1949 and currently has over 2,000 employees across the United States.  Around 10% of these employees have been with the company since 1980 and are nearing retirement.  The company sells construction materials, including lumber, cement, and timber by-products, such as raw pulp and paper.  Brick-and-Mortar owns thousands of acres of pine in Texas and the various Western states and a paper processing plant in Idaho.  The timber, lumber, and paper industries create numerous potential workplace health risks.

The Board of Directors of Brick-and-Paper has asked you to review the company’s current healthcare insurance benefits offered to employees.  The Board is concerned about recent material increases in the costs of healthcare insurance.  The Board has asked you to review the company’s current healthcare insurance portfolio and provide guidance on potential changes in the company’s healthcare coverage.  In preparation, the Board has asked you to read the following materials:


  • Module 1!Av6PO4O0uyeevicbkCi5XoyTQV_i?e=DngOhk
  • Module 2!Av6PO4O0uyeevijr6MjpRtdrl30L?e=YXcemi
  • Module 4!Av6PO4O0uyeevmkEt2l3HHsZ1tN3?e=2Rkqyf


Please draft a 3-to-5-page memo to the Board of Directors:

  • Explain how each of the following types of health insurance and benefits work, including identifying the main differences between them:
    • Health maintenance organizations (HMO)
    • Preferred provider organizations (PPO)
    • Health Savings Account
    • Dental
    • Vision
    • Flexible Spending Accounts
  • Identify:
    • 5 healthcare insurance/benefits options that you believe should definitely be included in Brick-and-Paper’s benefits plan, and explain your rationale for your choices
    • 2 additional healthcare insurance/benefits that the Board may want to consider, and explain why you did not include them in your top-5 benefits 
    • In choosing the top-5  benefits and the possible-2-additional benefits, please keep in mind the special characteristics of Brick-and-Paper, including:
      • The number of employees
      • Demographics – i.e., percentage of employees nearing retirement
      • Workplace healthcare risks faced by employees in the company’s various businesses

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