Business Management – How to Be More Proactive at Work

In today’s fast paced business world a manager is expected to do more than manage. The successful managers who make it to the top of their careers understand completely that being proactive and taking the initiative is a required management skill to get to the top rung of the corporate ladder.The fast paced world we live in especially the in business world has created what we know as the ‘Do It Now’ culture. This culture has now become mainstream even a way of life in many of the organisations and businesses. To be a successful and effective manager you need to adopt a proactive can do attitude. A manager who is reactive and waits to be prompted will soon get left behind.There are many ways that you can get into the habit of becoming a proactive manager as follows:1)Pro-activeness is created by ideas therefore, to be proactive you need ideas to act on. So, how do you go about getting ideas?. A good way to start is to carry a note book around with you so that you can write down ideas. Ideas can appear out of nowhere and they come to us everyday however, we quickly forget them because we never write them down. Review the ideas in your notebook on a regular basis as these can help you to come up with new projects, business ideas, solutions to problems and ways to save money. The important thing is to get those ideas down on paper before they escape forever.2)One of the habits that many managers do is to procrastinate on certain tasks especially when it comes to relying on other peoples communications. You may experience having sent an email or a letter to someone who took a long time to reply to it. This probably made you feel annoyed that the other person has not replied to you in a timely manner. You never know but that person may have had the same experience waiting for you to reply to them. Get into the habit of replying immediately to every type of communication that you receive. In this way you will acquire the reputation of a proactive person who gets things done.3)Being proactive also means that you know how to devote your time to your work effectively. Effective managers identity which tasks are a priority and worthy of their time. Those tasks that are deemed unnecessary or either disposed are delegated to someone else. In this way the effective manager only works on the necessary tasks that move them towards their business goals.

Travel on a Budget

Travelling is very expensive these days. It seems to be a luxurious hobby for those who love to travel frequently. But for occasional travelers, a limited budget for travel is common. Thus a lot of preparation should be done before the travel, most especially if you are one of those occasional travelers who want to have a cheaper trip budget.It is really possible to travel on budget if you just know how to search for travel bargains on the internet, newspapers, magazines, televisions, radios, and other multimedia tools. There are many trip bargains offered by travel agencies, these are promos that are created in the form of packages. Some of these packages involve transportations, hotels, and meals. They were arranged in a wonderful yet cheaper way.In choosing for the right trip bargains, you should know first the different prices of travelling agencies. Once you become familiar with the old and updated regular promo prices of different agencies, you can now appropriately compare the prices you had searched. Consider many factors in choosing the best trip bargain, such as prices, safety, and travel policies. Do not just focus on prices; you may take the cheapest travel, but your safety is not assured. Unfortunately, you cannot enjoy your travel in that situation.Having a budget expense target range for your trip costs or putting a range of prices is also good. Your budget expense range can be your basis in finding the right travel bargain for you. Try you best to prevent exceeding your budget. Find a great travel bargain that is still extravagant yet simple. Search on those updated bargains offered by traveling agencies that have updated prices as well.Be patient in searching for travel promos or bargains, there are numerous ones that are very affordable, but can give an exciting and memorable trip experience. Just know your priorities and consult for someone you know that is expert in travelling.

Beyond Incentives – Seven Strategies to Drive Utilization of Your Medical Travel Benefit Plan

Medical Travel BenefitsYou may have noticed that many U.S. employers are investigating whether they can reduce health care expenses by using medical travel. But how does this work? Can your business reduce healthcare costs by using foreign providers? The answer is complicated.Medical travel is the practice of patients receiving care for certain procedures in foreign countries. Medical travel professionals have built networks of distinguished providers in India, Costa Rica, Singapore and Thailand who are accredited and serving American patients. These providers offer the same procedures by similarly qualified surgeons at state of the art hospitals for 30% to 50% off of negotiated prices in the U.S.Employers and medical travel professionals are putting their heads together to design health plans that allow employees to travel for care and save. The employers who are embracing medical travel generally either go at it alone or collaborate with a medical travel company to design a benefit add on. Medical travel companies and other industry experts have a lot of experience and expertise to contribute to this process and should be consulted while building a medical travel benefit.Here’s why. Medical travel experts generally focus on financial incentives to drive utilization of foreign providers. However, your business will see better results if you invest early in the process to understand the employee population. By analyzing your employee demographics and understanding health consumer behavior, you can design a plan that connects with your target beneficiary group and changes their behavior.The Anatomy of a Medical Travel Benefit PackageHealth care consumers, both individuals and groups, are demanding competitive prices, more transparency and better quality care. Beneficiaries and patients have become health care consumers. The movement is called consumer-driven health care. Employers that offer health benefits are responding to this phenomenon with packages that let beneficiaries to take greater responsibility for their care and consumption decisions.Global health benefits (as it is referred to by some in the industry) generally follow the health care consumerism model of high deductibles, behavior-inducing co-payments, and a health savings account. Global health benefits go one step further and offer financial incentives for patients who travel abroad for certain procedures.The Role Of IncentivesGenerally global health benefit plans use three types of incentives: financial incentives for patients to use preferred providers, non-use dependent incentives to attract beneficiaries. Like other low-cost health plans, global health benefits give patients more responsibility for health-related decisions. Enrollees choose from a network that includes preferred out-of-country providers. Financial incentives encourage patients to choose foreign providers for specific procedures.Financial incentives reward patients who have certain procedures performed abroad. Employers may have a lower co-pay for foreign providers, pay enrollees cash for choosing foreign providers and/or cover the cost of travel to and from the location of the procedure. Employers may also let employees use non-vacation or personal time for in-country recovery.Non-use dependent incentives attract new beneficiaries with low cost premiums and reward patients for taking advantage of preventative services like annual health check-ups, mammograms, prostate screenings and immunizations. While non-use dependent incentives won’t directly drive utilization of foreign providers, they support the structure of plans that encourage patients to take control of their health consumption.There are limits to the ability of financial incentives to increase utilization of preferred foreign providers. Incentives do not address what drives health care consumption. Without understanding the decision drivers at work, global benefit plans may not reduce health care cost significantly. A benefit plan must narrowly tailored to the target beneficiary demographic to change their behavior.Beyond Incentives: Seven Strategies to Designing Medical Travel Benefits That WorkBelow are seven strategies to help employers design a medical travel benefit that will achieve better results than incentives alone.1. Assemble A Team Of Medical Travel ExpertsAs with all projects, it is critical to assemble the right team. Designing a medical travel benefit is no different. Identify medical travel experts and third party benefit administrators who want to collaborate with you. Having an experienced and knowledgeable team of experts is imperative.2. Analyze Beneficiary DemographicsThe foundation of a successful global health benefit is a complete understanding of the covered population, the group’s demographics and behaviors, and what drives their health care decision-making. Approach the benefit design process from the ground up.Start by identifying and analyzing the demographics and health care consumption patterns of the employee population. You may want to survey the group to find out their opinions about their current doctors, traveling to certain countries, and about health care in those countries. You may also want to find out how the group spends its health care dollars now and what types of incentives are most likely to work. The answers to these questions will help you build the right global provider network and design an appropriate beneficiary education campaign.3. Build A Benefit Program That Responds To The Needs Of Your BeneficiariesArmed with the information learned during the investigatory phase, build a benefit plan and a global provider network that reflects the needs and consumption patterns of the beneficiary population. For example, if you learn that the beneficiary population is generally over weight and has a proclivity for travel in Latin America over Asia, that information may be used to build a plan that encourages beneficiaries to investigate weight loss surgery in Costa Rica and Mexico. Surgeons in these countries are expert in bariatrics. You may also learn that your employee population is more likely to have orthopedic issues and favors Asia. In that case, a plan that highlights the orthopedic expertise of doctors in India, Singapore and Thailand is more likely to be utilized. Either way, the plan should specifically address the beneficiary population to increase the likelihood of utilization.4. Educate Employee About The Benefits Of Medical TravelWork closely with medical travel experts to design and implement a comprehensive employee education campaign that demonstrates the advantages of using foreign providers and the added incentives and benefits available through the medical travel plan.5. Create A Tiered Provider NetworkCreate a tiered provider network that favors higher quality, lower cost providers with lower co-payments. Enrollees that select preferred foreign providers for specific treatments may have lower or no co-payments associated with that service. Tiered provider networks are a common health care benefit strategy that can be utilized to encourage beneficiaries to use foreign providers for certain services.6. Increase Provider Transparency And Patient ResponsibilityIncreased transparency and patient responsibility enhances savings. Enrollees can make cost savings choices about whether or not to see a doctor (with information about disease self-management), which doctor to see (with information about provider quality, success rates, and costs), and disease treatment and management (with information about symptoms, treatments, risks, and costs). Plan providers should be encouraged to be transparent with their quality data and pricing. Giving enrollees the information necessary to make important care decisions aligns their interests with the payer. By aligning the interests of the consumer and payer, excesses can be eliminated and costs can be contained.7. Implement Internet-Based Care Management ToolsFinally, easy-to-use internet-based care management tools encourage efficient use of wellness programs, on-line nurses, on-line training and more. Recent studies indicate that patients welcome more and better information that is easily accessible. Patients indicate that they will use salient and easy-to-use information to make informed choices about their health care consumption.* By making relevant information accessible and easy-to-use, patients can make more efficient health care consumption choices.ConclusionConsumer-driven health care is here to stay. The ability to maximize the benefit of cost containment strategies depends on the ability to innovate and respond to new information. Health care consumers should not be underestimated. They are discerning and scrutinizing. Their behavior is not monolithic. To predict future consumption, health care payers should carefully analyze beneficiary demographics and consumption patterns and employ sophisticated benefit design strategies that address those findings. Without a firm understanding of the covered population, incentives alone are insufficient to drive the kind of utilization necessary to realize measurable savings from medical travel.* Consumer-Oriented Strategies for Improving Health Benefit Design: An Overview, Prepared by Stanford University-UCSF Evidence-based Practice Center, Stanford, CA for Agency for Healthcare Research and Quality, U.S. Department of Health and Human Services, July 2007.