7. Because Stop & Shop is focusing on preventative care and outpatient treatment, which of the following would be the most cost-efficient?

Multiple Choice

a. changing staffing practices to control benefits costs

b. health maintenance organization (HMO)

c. preferred provider organization (PPO)

d. telemedicine

e. medical tourism benefit

8. Which of the following solutions would be the best way for Stop & Shop to lower their experience rating?

Multiple Choice

a. charge higher medical rates for the first 90 days for new hires, since that is when most accidents happen

b. hire only employees that have experience in the grocery business

c. hire only employees that have no experience in the grocery business, so Stop & Shop can train them properly to avoid injuries on the job

d. have HR aggressively work on lowering their high rates of employee turnover (unemployment) and adding programs to lower workers compensation claims

e. not offer workers compensation to their employees

9. With Stop & Shops focus on preventative care, which of the following would give the company the best long-term results? Multiple Choice

a. an EWP program

b. charging higher rates for tobacco users c. only offering a PPO as part of the medical plan d. starting a program where any employee who does not complete the annual health assessment will have to pay at least $600 more per year for insurance coverage e. mandatory physicals each year

10. When Stop & Shop is identifying the Pareto group which employees are they identifying? Multiple Choice a. those who are responsible for generating the least amount of Stop & Shops health care costs

b. those who are responsible for generating the majority of Stop & Shops health care costs

c. those who selected not to participate in the group medical plan, so they can be rewarded with an annual bonus because this saves the company a considerable amount of money d. those who have had the most workers compensation claims e. those who select optional add-on services like cancer and life insurance policies, which are paid for by the employee and for which the company gets a rebate for all employees who buy the add-on services

11. If Stop & Shop decides to work on changing some staffing practices to control benefits costs, which of these do you think would be the most problematic for the company?

Multiple Choice

a. having less total employees, but working those employees overtime

b. reducing staffing levels by adding more services that are automated, like self-checkouts

c. classifying more of their workers as independent contractors rather than employees

d. reducing the percentage of full-time employees to have more part-time employees

e. having more employees classified as exempt (salary), leading to not having to pay overtime