Large companies are using audits to verify whether employees’ dependents really have a right to health coverage.
Researchers at the International Foundation of Employee Benefit Plans, Brookfield, Wis., say 26% of the benefit plan managers it surveyed say their employers are conducting health plan eligibility audits.
The survey participants were IFEBP participants. Most work at large or midsize U.S. or Canadian employers.
About 74% of the participants said their companies try to control health coverage costs by using cost-sharing provisions such as deductibles, coinsurance and copays, and 56% impose lifetime maximum benefits limits.
Only 15% offer incentives for employees to opt out of coverage, and only12% use analytic methods to try to identify and prevent catastrophic claims.
About 39% of the participants say their companies offer voluntary health insurance to at least some employees, and 40% offer voluntary dental insurance.