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Act o take JIifiJljMjiMI advantage of up to 8650 sav ings on selected 'J7 Polaris snowmobiles. Indv 440 XC Indv XLT KjBMniBBliM Indv XLT SKS Indv XLT R.MK Wffftfff Indv XLT Special Indv XLT Touring lilllmiifl Indv 600 XC IndylltraSP Visit a participating Polaris dealer during lndy Utra Indv Utra Touring November to leam more details about this e.xcit- ' ingot't'er Purchases of all other '97 Polaris HTW7!ETITiW?TTWHTH?l FREE clothing and accessories, or no interest, N,rT t -i -r no payments until March. '97. ute 01 trail louring LOOSE WHLS SERVICE, INC. At Duck Creek Village On Hwy 14 Ph. 801-682-2526 Fax 801-682-2678 POLRRIS -, , ,. 'hum ni.Kkls sui,fd retail fax " These faunae Mae. are available m apptnud an X parlkirniini dealer. . trimutf Start jrd Ufa siimo FREE (Mat ami .vofcj, 1KHK yeat euuik aw MM. and taaadajj Ufa. e.J at pank-irmim: denkrs and bjUM ai mM avatlahiliiv Nt availabk-1., phnnrnk r emplnyees i Mark Industries tin-. aariaaiml Mart- tMtmm. raevrs. ncM Ik..,, ,L'f' ; 1 l"""1 ,llr"'" Vuretahw .HI and m appfabk iih any other Jis.vu.iB ,.r offer; in An Fnf vur nearevt Maris dealer rail UMM-IULAKIS hitpftuvn piilarisindusiriese..inOI'i Maris Industries Inc. I N T E R MOUNTAIN HEALTH CARE From Care Management to Health Management jf HMOs, which began to jj cians to develop care process differentiate themselves? too are health insurers work- ML j appear during this period, , , models guidelines for pro- What criteria will customers ing with plan members and mm v I applied some of these viding the highest quality use to choose among com- employers to prevent disease 4tr , ! management con- care and lor ensuring appro- peting plans? and manage other cepts to the area of health priate utilization. M I health risks. Health JHfe coverage. Wellness care. MANAGING HEALTH jHIM B management will such as regular visits to rhe customers of health The answer, experts lHlfljljijB also mean addition- &',?nrfMv";PSN primary care physicians. plans individuals and believe, will he pre- HHHD I al support of public iimmoifXTMji Health Cm was encouraged by these businesses demanded ventive care and l-tsaEB health initiatives by plans. plans with lower premiums. health improve- health systems After years of double -digit ment. Those health H Health care costs began to inflation in employer premi- plans that are able 9 B: In the past, health Not so long ago, insurance spiral upwards at an evef'v urns, large employers actually to keep their mem- providers cared for companies simply paid faster rate in the 1970s. experienced a slight decrease bers healthy and prevent ill- patients during episodes of the bills submitted to This was due primarily to in premiums, on average, in ness from occurring will illness or injury. In the them after claims adjusters advances in medical sci- 1995. Another result has flourish. Health insurers future, health systems will reviewed them to make sure ence and technology, cou- care for people throughout they were bona fide and to pled with expanded access the whole course of their arrange the most favorable to care allowed by ''5$ relationship as members of settlements. Premiums were Medicare, Medicaid, and - :Z$; the system, during periods of based on claims experience commercial health insur- 'H health as well as periods of and degree of risk as deter- ance. The result was a Mfc' tkWnmtt lllnesS- New ways of working mined by the underwriting rapid rise in utilization of IWmBbB with members, new diagnos- depanment. Relatively little services and in health lSft IKE tic technologies, and new emphasis was placed on pre- expenditures. , jb mL ways of preventing illness are venting claims from occur- V M'lafiftV tP now being developed as ring. This was true for virtu- MANAGING CARL f M'NOm ' ' jM health plans prepare for a ally all types of insurance, Ensunng appropriate utiliza- ' 'BWHSh! fMjHfeHH future when health care lit"1 V"t 'C'it " X-aS"1 1 htcxijp JpP I 1 1 1 1 i. I . ii the following reasons: BBBBB' nies became more been a lower rale of health will move away from the IHH discriminating pay- care inflation: a 3.9 increase current era of utilization IHC DIALOGUE ON Largely in response BgH of care. They in 1995 compared to the management to a new era 1 HEALTH CARE to customer HUH to keep track overall inflation rate ol 2.5. an era not simply ol care 36 South State Street requests, proper- of how doctors and Health expenditures as a per- management, but of health Salt Lake City, Utah 84111 tycasualty insur- B hospitals used centage of the GDP have been management. ancecompan.es resources, and they level for the last three years al L-800-889-3337 began to offer risk ' set guidelines on about 13.6. Think of it as a fulfillment of management services in the services they would and the original ideal of health addition to traditional would not reimburse. All As the health insurance mar- management. Just as proper-indemnity proper-indemnity protection. By health plans both tradi- ket continues to evolve, ana- tycasualty insurers created a managing the underwrit- tional indemnity plans and lysts predict a leveling out of variety of proactive programs ing risks and preventing managed care plans premiums and, eventually, a to help their customers pre- claims, companies could turned their attention to, leveling out of certain basic vent disasters, reduce risks keep their premiums managing care. The best quality measures. When this of accidents, and improve Kjl hospital MEMOR,AL lower- plans worked with physi- occurs, how will health plans their claims experience; so iHC'.h'pt'b, |