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An Ounce of Prevention . . .

May be worth its weight in gold when it comes to cutting insurance costs.

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This story appears in the January 2003 issue of Entrepreneur. Subscribe »

An employee has a heart attack. Besides concern for the personand the loss of productivity, you can't help but worry aboutyour insurance rates, especially with premiums already skyrocketing15 percent a year or more. Prolonged illness is a nightmare foremployers and employees.

Over the past decade, large employers have tried to controlhealth-care costs through preventive measures such as diseasemanagement, a "nip it in the bud" approach that targetshigh-risk employees and helps them manage chronic conditions--highcholesterol, hypertension and so on--before they turn into bigger,costlier, problems.

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