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Western Carolinian Volume 60 Number 22

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Item 1 - Western Carolinian Volume 60 Number 22

Western Carolinian Volume 60 Number 22

HL_WesternCarolinian_1995-03-23_Vol60_No22_01

Western Carolinian Volume 60 Number 22

HL_WesternCarolinian_1995-03-23_Vol60_No22_02

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Item

Details
- Format
  - Publications (documents)
- Type
  - Text
- Source institution
  - Western Carolina University
- Identifier
  - HL_WesternCarolinian_1995-03-23_Vol60_No22_02
Transcript

Western Carolinian March 23, 1995 News Medical Savings Accounts The wave of the future ... A News Commentary by Scott Swift In 1994, all attempts at health care reform failed to pass through Congress. These reforms were aimed at insuring some of the thirty million Americans who are without any type of health insurance. The plan never got off the ground due to its immense cost. In a move to control health care costs of those already insured, many companies now offer Medical Savings Accounts, also known as MSAs. Under NC state employee health insurance plans, employees have a $250 dollar deductible and then $1000 of coinsurance. The insurance pays 100% after that. With MSAs, the company deposits $2000 into your account for use of medical services of your choice. The employee is responsible for the next $1000 in expenses, then insurance kicks in with 100 percent coverage. Withdrawals are allowed for only three reasons: medical care, end of year, and termination.Thus employees are responsible for the first $3,000 spent on their healthcare. Companies that offer MSAs have found a way to control their own health care costs by allowing employees to participate in their own medical care. More than 90% of employees who have been offered MSAs have switched away from traditional insurance. When polled, 98% of those employees who changed to MSAs were satisfied, while most insurance plans are comfortable with a 45% satisfaction rate. Why do employees like MSAs so much? Because they offer several advantages over traditional health insurance plans. One: at the end of the year unused monies are refunded to workers who can put it into an annuity and earn interest, or take it as an end-of-year bonus. Employees are taxed on the deposit throughout the year as if it were income. Second: low-income employees prefer MSAs because they provide first dollar coverage. Parents now know that money is available to take their children to the doctor at anytime. Third: everyone benefits from improved employee wellness, as MSAs have triggered an increase in workers seeking preventive services that they normally could not afford under traditional plans. Fourth: employees save hundreds of dollars by shopping around for the best buys in health care, and comparing prices between various doctors, hospitals, and laboratories. Fifth: rewards for taking good care of yourself. Getting money back on health insurance never happened before. Year-end refunds can be put into savings, or the employee can roll over $1,000, therefore avoiding out-of- pocket risk the following year. Lastly, former employees can use their MSA balance to purchase outside health insurance while they look for work or await enrollment in a new employer's plan, therefore keeping their families covered in times of transition. By allowing the consumer to get involved in buying health care, employers have been able to control costs and increase access to preventive services without sacrificing the quality of care. •Information taken from Insight, Newsweek, and USA Today Tlte Opinions Tltat Are Expressed in Scott's Column Are His Own...Not Ours $1,000 Reward Offered In Sign Theft A $1,000 reward has been offered by a citizens group for information leading to the arrest and conviction of the person or persons responsible for the theft of the "Catamount Gap" sign from NC Highway 107 near WCU. The sign was stolen sometime between February 10-13. Physical evidence at the scene indicated that a truck was parked beside the sign, just off the roadway, and that more than one person was involved. Anyone with information on the theft should contact Gene McAbee or Ernest Suggs at the WCU Office of Public Safety at 227-7301. "Controversy" continued from Front back to Simply-T's, and had them cross through #5. "Then they drew an arrow down to the bottom of the list," Hickey continued, " and we had them write: 'We couldn't make up our minds.' "It was much better to go through the added expense," Hickey said. "We have this settled, and the last thing I want is this to become a decisive issue again." If anyone is interested in purchasing one of the reprinted T-shirts, they may contact Dr. Betty Farmer in the Communications Department. Long sleeve shirts cost fifteen dollars, and short sleeve shirts cost ten dollars. It's Registration Time Again ... Advising will be held from March 27-April 13 in all Department Offices. Registration will take place from 8:30-4pm, April 3-13 Students at Carolina j Village go through the remains of their apartments which burned on March 8. Lambda Chi and Alpha Zi Delta raised approxiamately $500 for this cause in a car wash. Photo by Blake Tri«A pub & coffee house] •Sandwiches •Ice Cream •Imported Beers •Vegetarian Selections •Flavored Coffees Homemade Soups EAT IN OR TAKE OUT *KEE DELIVERY AVAILABLE 77r 586-3 700 wext to »odge Dealership OPEN: ^tSS,«™'.)!m

Object

Description

The Western Carolinian is Western Carolina University's student-run newspaper. The paper was published as the Cullowhee Yodel from 1924 to 1931 before changing its name to The Western Carolinian in 1933.
Details
- Creator
  - Western Carolina University
- Format
  - Publications (documents)
- Type
  - Text
- Date
  - Date original: 1995-03-23
  - Date digitized: 2019-11-13
- Extent
  - Dimension: 14" x 11.25"
  - Pages: 32 pages
- Subject - Topic
- Location
  - Jackson County (N.C.)
  - Cullowhee (N.C.)
- Source institution
  - Western Carolina University
- Source Collection
  - WCU Students Newspapers Collection
- Identifier
  - HL_WesternCarolinian_1995-03-23_Vol60_No22
- Repository
  - Western Carolina University Hunter Library

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