Description
Instructions
Assignment 3 How Private Health Coverage Works: A Primer is due by Wednesday, January 18th by 11:59 PM. In order to fully answer the questions, it may be necessary to reference the lecture packets, previous posted readings, and/or external sources. Please include the specific location where the referenced information can be found. For example: How Private Health Coverage Works: A Primer , p __; History of Health Insurance, p_____; Lecture Packet __ Slide___, etc. Points will be subtracted if the rules are not followed or if the submission is incomplete. Lastly, please note that this will be a graded assignment and not an exam.
QUESTION 1 (5 points)
1. In your own words, define private health insurance.
QUESTION 2 (10 points)
1. Please discuss at least two differences between private health insurance and public health insurance.
Please number your responses (1-2)
QUESTION 3 (15 points)
1. Please define and provide an example of the following health insurance terms: moral hazard, adverse selection, and preferred risk selection.
Please ensure to label your responses.
QUESTION 4 (20 points)
1. Please list and explain five different ways that private health insurance can be delivered. Be sure to compare and contrast each method. In your discussion, identify any possible benefits or limitations that might occur through using the various health insurance models.
Please number your responses (1-5).
QUESTION 5 (5 points)
1. How does risk pooling affect the provision of health insurance?
QUESTION 6 (15 points)
1. Please list and explain three underwriting procedures discussed in the assigned reading. What are the advantages and disadvantages of the different underwriting practices?
Please number your responses (1-3)
QUESTION 7 (15 points)
1. Legislation can affect the provision of health insurance in various ways. Please explain how the following regulations affect the provision of health insurance: ERISA, HIPAA, and PPACA. (While the writing does not expressly discuss PPACA, other course readings, as well as additional research can provide the needed information).
Please ensure to label your responses.
QUESTION 8 (15 points)
1. Please list and explain three examples of how state legislation can have on the provision of health insurance?
Please number your responses (1-3)
Healthcare Financial Management & Policy
2017
Lecture Packet #2
Gregory Ellis-Griffith, PhD, MPH
Associate Professor, Health Care Administration.
Department of Public Health
Western Kentucky University
1
Please review with notes page visible.
Respectfully,
GEG
1
Outline
The Demand For Health Insurance
Adverse Selection Issues
Retrospective Reimbursements
Managed Care
2
The purpose of this lecture is to provide an overview of the US Health Insurance system. This will be accomplished by broadly f.
Healthcare importance of quality in healthcare.pdfbkbk37
The document discusses the importance of quality in healthcare administration. It provides instructions for an assignment on this topic, asking students to answer questions about healthcare policy, quality issues, examples, root causes, solutions, and evaluations. The assignment requires at least 1600 words following APA format, with a minimum of four scholarly references. Students are asked to be brief and efficient in their answers.
Ch. 5 Paying for Health CareLearning ObjectivesAfter reading.docxcravennichole326
Ch. 5 Paying for Health Care
Learning Objectives
After reading this chapter, you should be able to:
Distinguish the benefits and shortcomings of private sources of payment for the care of vulnerable persons.
Identify the benefits and shortcomings of public sources of payment for the care of vulnerable persons.
Recognize the most common public payer options, and understand their eligibility requirements.
Understand how health care is financed for people with no health insurance coverage.
Introduction
Photo of a large group of people protesting in front of a white government building. A woman at the front left of the photo carries a sign that says, "Responsible capitalism, healthcare for all." A man at the front right of the photo holds a sign that says, "Medical bankruptcy has a face."
Courtesy of Jodi Jacobson/iStockphoto
Costly new technologies and the free-market nature of the health care industry have raised the cost of health care.
The cost of health care is rising, in part because of expensive new technologies and procedures, and in part because of the market failure of the health care industry. It has been argued that deregulation of health insurers, combined with a free market health care industry, has changed health care from a service-based structure to a commodity, or a product available for purchase. America's health care delivery system is geared toward the multibillion dollar health insurance industry rather than individual payers, many of whom lack the financial ability to cover health care expenses out of pocket, from general emergency room care to a life-threatening illness. After all, few people have $10,000 in their budgets to cover the cost of an emergency room visit for a broken arm.
Americans purchase health insurance to cover medical bills, but health insurance is too expensive for many families to afford. In 2010, 64% of the American population had private health insurance for all or part of the year. That isn't a very large majority, considering that everybody needs medical attention at some point. In that same year, 31% of the population had government-run public health insurance, and 16.3% had no health insurance at all for all or part of the year (DeNavas-Walt, Proctor, & Smith, 2011). The question across America, from Congress to kitchen tables, is how to insure all, how to tackle rising health care costs, and how to decipher a fair and equitable payee process.
Critical Thinking
What do you think will be the impact if health care costs are not addressed? What future problems do you predict?
5.1 Private Payers
The private payer sector comprises programs that provide financial access to health care, which includes insurance companies, employer-run health coverage programs, and individuals who pay for health care out of pocket. Individuals who pay for all of their health care out of pocket are rare, as the cost of health care is prohibitive. Employer-run health coverage programs are types of i ...
This document discusses the importance and benefits of voluntary (supplemental) insurance for businesses and employees. It makes three key points:
1) Voluntary insurance helps protect employees from unexpected medical costs and makes them more satisfied. It is an important part of an employer's benefits package for attracting and retaining talent.
2) Many employees are unprepared to manage the rising costs and responsibilities of healthcare. Voluntary insurance can provide financial protection from out-of-pocket costs like deductibles and coinsurance.
3) Voluntary insurance benefits both employers and employees. It boosts employee satisfaction and loyalty while costing employers little to nothing. It also supports healthier employees and lower workers compensation claims.
Life insurers combat anti-selection through various methods:
1) They detect trends in their applicant base through business intelligence tools to identify any asymmetric information or blind spots being exploited.
2) Insurers ask clearer questions on applications and use tele-underwriting interviews to better understand risks. They also use additional medical tests.
3) Traditionally, insurers detected anti-selection through early claims investigations, but now proactively monitor new business trends to predict risks earlier.
Advanced automated underwriting systems now help close information gaps and allow insurers to continuously adjust prices and underwriting based on vast amounts of real-time market data. This helps combat anti-selection more proactively.
The document discusses several key issues around women's health insurance and costs in the United States. It notes that more than 17% of women are uninsured, health insurance premiums have increased 119% between 1999-2008, and 3 in 5 women are unable to pay medical bills. Additionally, it discusses rising costs being passed onto employees through higher deductibles, co-payments and coinsurance, as well as efforts to reduce costs through wellness programs and dependent audits. The document also examines health insurance issues facing young Americans, including high uninsured rates and concerns about shouldering costs for older populations under reforms.
HUSC 3366 Chapter 9 Health and Disability InsuranceRita Conley
This chapter discusses health and disability insurance. It covers the importance of health insurance, different types of health insurance plans such as private insurance, Medicare and Medicaid. It also discusses factors that influence the rising costs of health care such as administrative costs and use of expensive technologies. The chapter examines sources of disability income like employer policies and social security. It emphasizes choosing adequate health and disability coverage to protect income in case of illness or injury.
Medical costs are once again rising rapidly, forcing health care .pdfAroraRajinder1
Medical costs are once again rising rapidly, forcing health care back into political prominence.
This issue direct affects you as a student, family member, employer, and/or employee. The
problem of medical costs is so pervasive that it underlies three quite different policy crises. First
is the increasingly rapid unraveling of employer-based health insurance. Second is the plight of
Medicaid. Third is the long-term problem of the federal government’s solvency which is largely
a problem of health care costs.
Write an eight page paper addressing each of these issues. Be sure to choose a position (of
which there are many) and substantiate that position with facts and economic data. Some of the
issues which need to be answered are:
Is health care spending a problem?
Is employer-based insurance unraveling?
Medicare and Medicaid
The inefficiencies of the health care.
Single-payer and beyond.
How much health care should we have?
Can we fix health care?
Solution
1. Is health care spending a problem?
In 1960 the United States spent only 5.2 percent of GDP on health care. By 2004 that number
had risen to 16 percent. At this point America spends more on health care than it does on food.
But what’s wrong with that?
The starting point for any discussion of rising health care costs has to be the realization that these
rising costs are, in an important sense, a sign of progress. Here’s how the Congressional Budget
Office puts it, in the latest edition of its annual publication The Long-Term Budget Outlook:
Growth in health care spending has outstripped economic growth regardless of the source of its
funding. The major factor associated with that growth has been the development and increasing
use of new medical technology. In the health care field, unlike in many sectors of the economy,
technological advances have generally raised costs rather than lowered them.
Notice the three points in that quote. First, health care spending is rising rapidly “regardless of
the source of its funding.” Translation: although much health care is paid for by the government,
this isn’t a simple case of runaway government spending, because private spending is rising at a
comparably fast clip. “Comparing common benefits,” says the Kaiser Family Foundation,
changes in Medicare spending in the last three decades has largely tracked the growth rate in
private health insurance premiums. Typically, Medicare increases have been lower than those of
private health insurance.
Second, “new medical technology” is the major factor in rising spending: we spend more on
medicine because there’s more that medicine can do. Third, in medical care, technological
advances have generally raised costs rather than lowered them although new technology surely
produces cost savings in medicine, as elsewhere, the additional spending that takes place as a
result of the expansion of medical possibilities outweighs those savings.
So far, this sounds like a happy story. We’ve found new ways to help people, an.
Healthcare importance of quality in healthcare.pdfbkbk37
The document discusses the importance of quality in healthcare administration. It provides instructions for an assignment on this topic, asking students to answer questions about healthcare policy, quality issues, examples, root causes, solutions, and evaluations. The assignment requires at least 1600 words following APA format, with a minimum of four scholarly references. Students are asked to be brief and efficient in their answers.
Ch. 5 Paying for Health CareLearning ObjectivesAfter reading.docxcravennichole326
Ch. 5 Paying for Health Care
Learning Objectives
After reading this chapter, you should be able to:
Distinguish the benefits and shortcomings of private sources of payment for the care of vulnerable persons.
Identify the benefits and shortcomings of public sources of payment for the care of vulnerable persons.
Recognize the most common public payer options, and understand their eligibility requirements.
Understand how health care is financed for people with no health insurance coverage.
Introduction
Photo of a large group of people protesting in front of a white government building. A woman at the front left of the photo carries a sign that says, "Responsible capitalism, healthcare for all." A man at the front right of the photo holds a sign that says, "Medical bankruptcy has a face."
Courtesy of Jodi Jacobson/iStockphoto
Costly new technologies and the free-market nature of the health care industry have raised the cost of health care.
The cost of health care is rising, in part because of expensive new technologies and procedures, and in part because of the market failure of the health care industry. It has been argued that deregulation of health insurers, combined with a free market health care industry, has changed health care from a service-based structure to a commodity, or a product available for purchase. America's health care delivery system is geared toward the multibillion dollar health insurance industry rather than individual payers, many of whom lack the financial ability to cover health care expenses out of pocket, from general emergency room care to a life-threatening illness. After all, few people have $10,000 in their budgets to cover the cost of an emergency room visit for a broken arm.
Americans purchase health insurance to cover medical bills, but health insurance is too expensive for many families to afford. In 2010, 64% of the American population had private health insurance for all or part of the year. That isn't a very large majority, considering that everybody needs medical attention at some point. In that same year, 31% of the population had government-run public health insurance, and 16.3% had no health insurance at all for all or part of the year (DeNavas-Walt, Proctor, & Smith, 2011). The question across America, from Congress to kitchen tables, is how to insure all, how to tackle rising health care costs, and how to decipher a fair and equitable payee process.
Critical Thinking
What do you think will be the impact if health care costs are not addressed? What future problems do you predict?
5.1 Private Payers
The private payer sector comprises programs that provide financial access to health care, which includes insurance companies, employer-run health coverage programs, and individuals who pay for health care out of pocket. Individuals who pay for all of their health care out of pocket are rare, as the cost of health care is prohibitive. Employer-run health coverage programs are types of i ...
This document discusses the importance and benefits of voluntary (supplemental) insurance for businesses and employees. It makes three key points:
1) Voluntary insurance helps protect employees from unexpected medical costs and makes them more satisfied. It is an important part of an employer's benefits package for attracting and retaining talent.
2) Many employees are unprepared to manage the rising costs and responsibilities of healthcare. Voluntary insurance can provide financial protection from out-of-pocket costs like deductibles and coinsurance.
3) Voluntary insurance benefits both employers and employees. It boosts employee satisfaction and loyalty while costing employers little to nothing. It also supports healthier employees and lower workers compensation claims.
Life insurers combat anti-selection through various methods:
1) They detect trends in their applicant base through business intelligence tools to identify any asymmetric information or blind spots being exploited.
2) Insurers ask clearer questions on applications and use tele-underwriting interviews to better understand risks. They also use additional medical tests.
3) Traditionally, insurers detected anti-selection through early claims investigations, but now proactively monitor new business trends to predict risks earlier.
Advanced automated underwriting systems now help close information gaps and allow insurers to continuously adjust prices and underwriting based on vast amounts of real-time market data. This helps combat anti-selection more proactively.
The document discusses several key issues around women's health insurance and costs in the United States. It notes that more than 17% of women are uninsured, health insurance premiums have increased 119% between 1999-2008, and 3 in 5 women are unable to pay medical bills. Additionally, it discusses rising costs being passed onto employees through higher deductibles, co-payments and coinsurance, as well as efforts to reduce costs through wellness programs and dependent audits. The document also examines health insurance issues facing young Americans, including high uninsured rates and concerns about shouldering costs for older populations under reforms.
HUSC 3366 Chapter 9 Health and Disability InsuranceRita Conley
This chapter discusses health and disability insurance. It covers the importance of health insurance, different types of health insurance plans such as private insurance, Medicare and Medicaid. It also discusses factors that influence the rising costs of health care such as administrative costs and use of expensive technologies. The chapter examines sources of disability income like employer policies and social security. It emphasizes choosing adequate health and disability coverage to protect income in case of illness or injury.
Medical costs are once again rising rapidly, forcing health care .pdfAroraRajinder1
Medical costs are once again rising rapidly, forcing health care back into political prominence.
This issue direct affects you as a student, family member, employer, and/or employee. The
problem of medical costs is so pervasive that it underlies three quite different policy crises. First
is the increasingly rapid unraveling of employer-based health insurance. Second is the plight of
Medicaid. Third is the long-term problem of the federal government’s solvency which is largely
a problem of health care costs.
Write an eight page paper addressing each of these issues. Be sure to choose a position (of
which there are many) and substantiate that position with facts and economic data. Some of the
issues which need to be answered are:
Is health care spending a problem?
Is employer-based insurance unraveling?
Medicare and Medicaid
The inefficiencies of the health care.
Single-payer and beyond.
How much health care should we have?
Can we fix health care?
Solution
1. Is health care spending a problem?
In 1960 the United States spent only 5.2 percent of GDP on health care. By 2004 that number
had risen to 16 percent. At this point America spends more on health care than it does on food.
But what’s wrong with that?
The starting point for any discussion of rising health care costs has to be the realization that these
rising costs are, in an important sense, a sign of progress. Here’s how the Congressional Budget
Office puts it, in the latest edition of its annual publication The Long-Term Budget Outlook:
Growth in health care spending has outstripped economic growth regardless of the source of its
funding. The major factor associated with that growth has been the development and increasing
use of new medical technology. In the health care field, unlike in many sectors of the economy,
technological advances have generally raised costs rather than lowered them.
Notice the three points in that quote. First, health care spending is rising rapidly “regardless of
the source of its funding.” Translation: although much health care is paid for by the government,
this isn’t a simple case of runaway government spending, because private spending is rising at a
comparably fast clip. “Comparing common benefits,” says the Kaiser Family Foundation,
changes in Medicare spending in the last three decades has largely tracked the growth rate in
private health insurance premiums. Typically, Medicare increases have been lower than those of
private health insurance.
Second, “new medical technology” is the major factor in rising spending: we spend more on
medicine because there’s more that medicine can do. Third, in medical care, technological
advances have generally raised costs rather than lowered them although new technology surely
produces cost savings in medicine, as elsewhere, the additional spending that takes place as a
result of the expansion of medical possibilities outweighs those savings.
So far, this sounds like a happy story. We’ve found new ways to help people, an.
Hours, A. (2014). Reading Fairy Tales and Playing A Way of Treati.docxsimonithomas47935
Hours, A. (2014). Reading Fairy Tales and Playing: A Way of Treating Abused Children. Journal Of Infant, Child & Adolescent Psychotherapy, 13(2), 122. doi:10.1080/15289168.2014.905337
Marshall, E. (2009). Girlhood, Sexual Violence, and Agency in Francesca Lia Block's "Wolf". Children's Literature In Education, 40(3), 217-234.
Sanyal, N., & Dasgupta, M. (2017). Fairy tales: The Emotional Processors of Childhood Conflicts in Dynamic Interpretative Lens. SIS Journal Of Projective Psychology & Mental Health, 24(1), 39-47.
Basile, G. (2012, May 24). Sun, Moon, and Talia. Enchanted Conversation, 1-4.
Grimm, J., & Grimm, W. (1975). Briar Rose: The Sleeping Beauty. London: Pelham.
.
How are authentication and authorization alike and how are the.docxsimonithomas47935
How are authentication and authorization alike and how are they different? What is the relationship, if any, between the two?
The paper should be 2 pages in length. Need to provide a minimum of two references and need to use APA format in the reference section and no playgarism
.
How are self-esteem and self-concept different What is the or.docxsimonithomas47935
How are self-esteem and self-concept different? What is the origin of these characteristics? What are the characteristics of children and adults with low self-esteem?
Consider Erik Erikson’s theory. Why is it important for children in middle childhood to learn to do something and to do something well?
Suzy wants to follow the moral code established by her parents and teacher. She wants them to view her as obedient, cooperative, and productive. According to Kohlberg Suzy is functioning at the __________ stage of moral development.
How does the aggression of girls and boys differ? Why is it important for a child to learn self-regulation?
.
How are morality and religion similar and how are they different.docxsimonithomas47935
How are morality and religion similar and how are they different?
Discuss how your religious beliefs, or lack thereof, have shaped your own morality.
What is natural law theory? How does it compare to religion?
What criteria did Thoreau argue must exist before engaging in civil disobedience?
.
How are financial statements used to evaluate business activities.docxsimonithomas47935
How are financial statements used to evaluate business activities?
What is managerial accounting and how does it help businesses create a competitive advantage
What skills must be developed to evaluate company performance?
How are investment and operations alternatives evaluated and selected?
2pages
.
How are Japanese and Chinese Americans similar How are they differe.docxsimonithomas47935
How are Japanese and Chinese Americans similar? How are they different? After exploring your course material and outside sources, please share the differences and similarities on such topics as immigration patterns, family life, economic picture, etc. Be sure to cite your sources properly. At a minimum, students should include summarized (no direct quotes) information from the course text. Do not forget to include page numbers in your in-text citations!
.
Hot Spot PolicingPlace can be an important aspect of crime and.docxsimonithomas47935
Hot Spot Policing
"Place" can be an important aspect of crime and crime prevention. Behaviors occur across space and time. In the 1990's hot spot policing became a very popular topic.
In this paper, you need to address the following:
Define the concept of "Hot Spot" from the context of law enforcement,
Define the concept of "Hot Product" from the context of law enforcement,
Describe VIVA and CRAVE (as they relate to hot spots and hot products),
Identify a few products or objects that might be prime targets for crime, and
Indicate how these products or objects fit the ideas of VIVA and CRAVED.
.
HOSP3075 Brand Analysis Paper 1This is the first of three assignme.docxsimonithomas47935
This document provides instructions for the first assignment of a brand analysis paper. Students must choose a hotel brand and write a paper analyzing the brand using at least four sources. The paper should be organized using provided topic headings, including: brand overview and history; target markets; brand position; and brand elements. For each section, the document provides guidance on what information should be included. For example, for the brand overview and history section, it instructs students to provide a brief history and timeline of the brand, as well as information on the brand's geographic locations and parent company. MLA format is required.
Hou, J., Li, Y., Yu, J. & Shi, W. (2020). A Survey on Digital Fo.docxsimonithomas47935
Hou, J., Li, Y., Yu, J. & Shi, W. (2020). A Survey on Digital Forensics in Internet of Things IEEE Internet of Things Journal, I(1),1-15,.
Chen, J. & Zhu, Q. (2019). Interdependent Strategic Security Risk Management With Bounded Rationality in the Internet of Things. IEEE Transactions on Information Forensics and Security, 14(11), 2958-2971.
Borek, A. (2014). Total Information Risk Management: Maximizing the Value of Data and Information Assets (Vol. First edition). Amsterdam: Morgan Kaufmann
The readings this week discusses broad context of risk and investigative forensics. Part of risk management is to understand when things go wrong, we need to be able to investigate and report our findings to management. Using this research, or other research you have uncovered discuss in detail how risk and investigate techniques could work to help the organization. ERM helps to protect an organization before an attack, where as forensics investigate technique will help us after an attack - so lets discus both this week.
Please make your initial post and two response posts substantive. A substantive post will do at least two of the following:
Ask an interesting, thoughtful question pertaining to the topic
Answer a question (in detail) posted by another student or the instructor
Provide extensive additional information on the topic
Explain, define, or analyze the topic in detail
Share an applicable personal experience
Provide an outside source that applies to the topic, along with additional information about the topic or the source (please cite properly in APA 7)
Make an argument concerning the topic.
.
How (Not) to be Secular by James K.A. SmithSecular (1)—the ea.docxsimonithomas47935
How (Not) to be Secular? by James K.A. Smith
Secular (1)—the earthly plane of domestic life as distinguished from the sacred.
Secular (2)—areligious, neutral, unbiased, “objective”
Secular (3)—a world in which it is possible to imagine not believing in God; religious belief is no longer axiomatic.
Cross-pressured—The simultaneous pressure of various spiritual options or the feeling of being caught between an echo of transcendence and the drive toward immanentization.
Immanent frame—A constructed social space that frames our lives entirely within a natural order, an order “whose working could be systematically understood and explained in its own term, leaving open the question whether this whole order had a deeper significance....” (Taylor, A Secular Age, p. 15)
Exclusive humanism—A worldview that is able to account for meaning and significance without any appeal to the divine or transcendence.
Self-transcendence—a turning of life toward something beyond ordinary human flourishing. (Taylor, p. 44)
Fullness—The human impulsion to find significance, meaning, value—even within an entirely immanent frame.
Spin—A construal of life in an immanent frame that does not recognize itself as construal. Does not grant plausibility to the alternative,
Take—A construal of life in an immanent frame that is open to appreciating the viability of other takes.
Modern Moral Order (MMO)—Understanding of morality that focuses on the organization of society for mutual benefit rather than obligation to higher or eternal norms.
Faith
Faith Development Theory and a Look at Faith Today
Definitions of Faith
Faith (in general) = one’s ultimate concern (Paul Tillich)
Religious Faith = a relationship with God which engages a person’s total personhood; (Fischer and Hart reading); personal knowledge of God (Richard McBrien)
Faith is not primarily belief in ideas but in God
Difference between faith and “the faith”—the latter usually refers to a collection of “beliefs”
Misunderstandings of the Meaning of Faith
1. Having faith is believing things, “assenting to truths”—the rationalist misunderstanding
2. Having faith is behaving morally—the moralist misunderstanding
3. Having faith is feeling something —the emotionalist misunderstanding
These are all aspects of faith but faith cannot be reduced to any one of these.
Key Points about Faith
1. “Faith seeks understanding and is a friend of reason.” (The United States Catholic Catechism for Adults) In the words of Vatican I, faith is “consonant with reason.” Faith and reason are compatible. Faith is not “blind faith.”
2. Although faith has a content (beliefs), what Christians believe in are not the formulas of faith but in the realities they express.
3. Faith is a commitment of the whole person, not just the intellect of the person.
4. Faith is both personal and communal.
Faith Development Theory
Fowler’s Stages of Faith
Similar to Lawrence Kohlberg’s Stages of Moral Development
Overview of the Stages.
Hopefully, you enjoyed this class on Digital Media and Society.Q.docxsimonithomas47935
Hopefully, you enjoyed this class on Digital Media and Society.
Question #1:
Has your impression of digital media and society changed after taking this class? How? What in your opinion is the future of digital media and the Internet?
Topic 2: One Takeaway
There are no readings assigned this week. Reflect on the weekly Read & Watch content you have been exposed to throughout the semester to craft your response.
Discussion:
There are many interesting concepts, ideas, and theories presented in this class. We talked Curly Fries, Filter Bubbles, Global Collaboration, Digital Divide, Privacy, Big Data...
Question #1:
What is the most important thing you have learned from this class? What is your Number One Takeaway?
.
hoose (1) one childhood experience from the list provided below..docxsimonithomas47935
hoose
(1) one
childhood experience from the list provided below. This list has been generated from the Australian Institute of health and Welfare (2020) Australia’s Children report.
Asthma in children aged 5-14
Type 1 diabetes in children aged 0-14
Brain cancer in children up to 14 years
Anxiety disorders in children aged 5-14
Dental decay in children over 12
Overweight/Obesity in children 5-14
School aged child living with an intellectual disability
Children experiencing homelessness
Low birthweight babies
Children who are exposed to or a victim of family violence
After researching the prevalence of your chosen childhood experience, develop a brief hypothetical case study (200 words or so) about a child and their family highlighting the health care setting in which you (the nurse) meet the family;
the case study helps to guide your essay and provide context for your reader.
To explore the impact of your chosen childhood experience on the child and their family in the case study you have developed, read widely and address the following prompts informed by
contemporary and relevant
developmental, nursing and family care theory:
Outline the prevalence in Australia of the childhood experience chosen and highlight the short term, medium term and potential long term health outcomes/impact on the child
Discuss the impact (protective or otherwise) of family, culture and environment on the identified health outcomes for children identified from prompt 1
Explore the impact of the chosen childhood experience on the learning and development of the child in the case study, in light of their age/stage of development
When you (the nurse) meet the family (as outlined in your case study) how might you engage therapeutically with the child and family? Outline age/development appropriate communication strategies that you could adopt to support child/family flourishing
Based on the chosen childhood experience selected and the case study specifics, provide two priority nursing actions/interventions with rationales, that would advocate for positive child/family health outcomes
This essay will be developed with an introduction, body and conclusion, with correct grammar and spelling and acknowledging sources using APA 7th Edition referencing style. Word count of 2000 words +/-10% will be maintained; inclusive of intext references, excluding reference list.
Rubric
Assessment 3: Case study and literature review
Assessment 3: Case study and literature reviewCriteriaRatingsPtsThis criterion is linked to a learning outcome1.Case study developed is clear, informative and feasible
5
PtsExceeds expectationsVery well considered case study. The child/family circumstances are realistic and comprehensively presented in light of the chosen childhood experience; the context of the family and nurse interaction is clearly defined.4
PtsMeets ExpectationsWell considered case study. The child/family circumstances are realistic and thoroughly present.
honesty, hard work, caring, excellence HIS 1110 Dr. .docxsimonithomas47935
honesty, hard work, caring, excellence
HIS 1110 Dr. G. J. Giddings
ANALYSIS PAPER: GREAT MIGRATION HISTORY AS TACTIC
4 pages; 4 “works cited”/reference sources (at least 1 primary source)
Related Course Outcome: Identify and analyze connections between individual events and national
historic events.
OPTIONS I
Analysis Paper: Migration As Tactic/
Solution
(Long Interviews as main resource) (4 pages)
Millions of African Americans escaped or ran away from their homes in the South to seek refuge
in the North. Explore your individual interviewees’ descriptions of problems (lack of opportunities, racial
terrorism, personal reasons, etc.) they faced in the South or wherever, and how they attempted to
escape these problems by choosing migration as a tactic or solution. Explore how the individual
migration stories connect to or compare with the general Great Migration “push” and “pull” factors,
which motivated so many African Americans to leave the South. To help draw these connections,
identify and compare the “pull” and “push” factors of the Great Migration as well as other related
course themes such as: leadership tactics, African America socio-economic and culture status/state,
protest; demographic shifts/changes, etc.
OPTIONS II
Analysis Paper: Migration As Tactic/
.
hoose one of the four following visualsImage courtesy o.docxsimonithomas47935
hoose one of the four following visuals:
Image courtesy of: Nike® 2013 advertisement
Image courtesy of: Parents magazine June 2011
Image courtesy of: Harley Davidson® advertisement
Image courtesy of: Bank of America advertisement
In a
2-3-page APA formatted paper with an additional reference page
(
template here
), analyze the strategic use of perceptual visual communication:
Analyze how specific semiotic visuals in your chosen image affect different cultural perceptions (age, ethnicity, social group, etc.).
Describe how each culture’s cognitive memories and experiences may affect how they perceive this image.
Explain why cultural perception is important to consider when working with international or global cultures.
Discuss why it is important to consider cultural perception when interacting with different age cultures and different social groupings.
Support the items above by including relevant quotes and paraphrases from academic/scholarly sources.
.
HomeworkChoose a site used by the public such as a supermark.docxsimonithomas47935
Homework
Choose a site used by the public such as a supermarket, doctor's office, library, post office, or department store and observe one or more key processes, the associated suppliers, inputs, process steps, outputs, customers, the measurement systems, and how the measurements are used to manage and improve the process. Submit a Word document in which you include the following:
Company visited.
Process observed.
SIPOC elements.
Process measurements.
Process management systems used.
.
Homework 2 Please answer the following questions in small paragraph.docxsimonithomas47935
The document contains homework questions asking about the conditions in Europe that led to the conquest of America, the effects of the conquest on native peoples and Europeans, the motives and backgrounds of Spanish conquistadors, and factors explaining how a small number of Spaniards conquered large indigenous empires.
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BBA 2010-16J-5A21-S1, Introduction to Business
Unit VI
Upload Assignment: Unit VI Case Study
BBA 2010-16J-5A21-S1, Introduction to Business
COURSE INFORMATION
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Unit IV
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Unit VII
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Course Resource Booklet (Final Submission Due)
Child Welfare Advocates have many resources available to them to assist those in need. The key is to know what resources are available. This assignment will require students to create resources on local and child welfare social services and present in a booklet format. This will be an ongoing course project as you learn about new resources in each module. As you continue with your classes, you may even choose to add additional resources.
Timeline
Module 1
— Course Resource Project assigned
Module 2
— Submit for instructor feedback – non-graded.
Students will submit the title page, introduction and one agency description in Module 2 for purposes of non-graded feedback.
Module 5
— Final Course Resource project due
Directions
Students will create a booklet that compiles information for twelve different agencies.
The twelve agencies must represent the following categories of general services. No category can be eliminated.
Adult Assistance — include one agency that specializes in helping the homeless
Child Development — include one agency that specializes in helping those in poverty
Family Support Services — include one resource on family violence
Health — include one agency that specializes in helping those with addiction
Legal — include the Guardian Ad Litem program
Mental Health
Each category should include:
A maximum of two agency resources for each category.
No more than one state agency may be included in each category.
Do not use the same agency more than once.
Agencies should be alphabetized by category.
Students should work on the Course Resource Booklet each module so they have a cumulative booklet ready for submission. Do not wait until the last minute.
Each local agency resource should include the following information. Use headings for components, as needed.
(See sample page attached.)
Name of Agency
Agency address (Domestic Violence shelters may use outreach center)
Website URL
Hours of Operation
Agency Description of 150 to 175 words
. This part of the resource booklet must be written and paraphrased in paragraph format and must include the following information:
(1.5 spacing for submission to instructor)
Mission/Purpose of the resource
Populations Served
Specific Type of Services
Eligibility Requirements
One strength and one limitation of the agency or its services
The final booklet should include:
A Title Page
Table of Contents
An introduction with a statement of purpose and definition of child welfare
Use paragraph form for agency description, strength and limitations of resource
Agency information should be alphabetized and spaced at 1.5
Use Times New Roman, size 12 font
Include page numbers
Be visually appealing and professional in appearance
Submit your document to Turnitin®. Turnitin® will tell you if you have copied text from o.
Homeless The Motel Kids of Orange CountyWrite a 1-2 page pa.docxsimonithomas47935
Homeless: The Motel Kids of Orange County
Write a 1-2 page paper double spaced using 12 point Calibri/Times New Roman font.
Your paper should be written using the “conflict” and “symbolic interactionism” perspective. 1) What was the premise of the video? 2) Give two examples of how the children understood the situation they are in. 3) Why or why not do you see hope for the children. 4) How did the video make you feel?
.
Home work 8 Date 042220201. what are the different between.docxsimonithomas47935
The document discusses two California government websites, waterboards.ca.gov and water.ca.gov and asks what the differences are between the agencies that run each site. It instructs the reader to visit both websites to learn more.
Leveraging Generative AI to Drive Nonprofit InnovationTechSoup
In this webinar, participants learned how to utilize Generative AI to streamline operations and elevate member engagement. Amazon Web Service experts provided a customer specific use cases and dived into low/no-code tools that are quick and easy to deploy through Amazon Web Service (AWS.)
Chapter wise All Notes of First year Basic Civil Engineering.pptxDenish Jangid
Chapter wise All Notes of First year Basic Civil Engineering
Syllabus
Chapter-1
Introduction to objective, scope and outcome the subject
Chapter 2
Introduction: Scope and Specialization of Civil Engineering, Role of civil Engineer in Society, Impact of infrastructural development on economy of country.
Chapter 3
Surveying: Object Principles & Types of Surveying; Site Plans, Plans & Maps; Scales & Unit of different Measurements.
Linear Measurements: Instruments used. Linear Measurement by Tape, Ranging out Survey Lines and overcoming Obstructions; Measurements on sloping ground; Tape corrections, conventional symbols. Angular Measurements: Instruments used; Introduction to Compass Surveying, Bearings and Longitude & Latitude of a Line, Introduction to total station.
Levelling: Instrument used Object of levelling, Methods of levelling in brief, and Contour maps.
Chapter 4
Buildings: Selection of site for Buildings, Layout of Building Plan, Types of buildings, Plinth area, carpet area, floor space index, Introduction to building byelaws, concept of sun light & ventilation. Components of Buildings & their functions, Basic concept of R.C.C., Introduction to types of foundation
Chapter 5
Transportation: Introduction to Transportation Engineering; Traffic and Road Safety: Types and Characteristics of Various Modes of Transportation; Various Road Traffic Signs, Causes of Accidents and Road Safety Measures.
Chapter 6
Environmental Engineering: Environmental Pollution, Environmental Acts and Regulations, Functional Concepts of Ecology, Basics of Species, Biodiversity, Ecosystem, Hydrological Cycle; Chemical Cycles: Carbon, Nitrogen & Phosphorus; Energy Flow in Ecosystems.
Water Pollution: Water Quality standards, Introduction to Treatment & Disposal of Waste Water. Reuse and Saving of Water, Rain Water Harvesting. Solid Waste Management: Classification of Solid Waste, Collection, Transportation and Disposal of Solid. Recycling of Solid Waste: Energy Recovery, Sanitary Landfill, On-Site Sanitation. Air & Noise Pollution: Primary and Secondary air pollutants, Harmful effects of Air Pollution, Control of Air Pollution. . Noise Pollution Harmful Effects of noise pollution, control of noise pollution, Global warming & Climate Change, Ozone depletion, Greenhouse effect
Text Books:
1. Palancharmy, Basic Civil Engineering, McGraw Hill publishers.
2. Satheesh Gopi, Basic Civil Engineering, Pearson Publishers.
3. Ketki Rangwala Dalal, Essentials of Civil Engineering, Charotar Publishing House.
4. BCP, Surveying volume 1
Hours, A. (2014). Reading Fairy Tales and Playing A Way of Treati.docxsimonithomas47935
Hours, A. (2014). Reading Fairy Tales and Playing: A Way of Treating Abused Children. Journal Of Infant, Child & Adolescent Psychotherapy, 13(2), 122. doi:10.1080/15289168.2014.905337
Marshall, E. (2009). Girlhood, Sexual Violence, and Agency in Francesca Lia Block's "Wolf". Children's Literature In Education, 40(3), 217-234.
Sanyal, N., & Dasgupta, M. (2017). Fairy tales: The Emotional Processors of Childhood Conflicts in Dynamic Interpretative Lens. SIS Journal Of Projective Psychology & Mental Health, 24(1), 39-47.
Basile, G. (2012, May 24). Sun, Moon, and Talia. Enchanted Conversation, 1-4.
Grimm, J., & Grimm, W. (1975). Briar Rose: The Sleeping Beauty. London: Pelham.
.
How are authentication and authorization alike and how are the.docxsimonithomas47935
How are authentication and authorization alike and how are they different? What is the relationship, if any, between the two?
The paper should be 2 pages in length. Need to provide a minimum of two references and need to use APA format in the reference section and no playgarism
.
How are self-esteem and self-concept different What is the or.docxsimonithomas47935
How are self-esteem and self-concept different? What is the origin of these characteristics? What are the characteristics of children and adults with low self-esteem?
Consider Erik Erikson’s theory. Why is it important for children in middle childhood to learn to do something and to do something well?
Suzy wants to follow the moral code established by her parents and teacher. She wants them to view her as obedient, cooperative, and productive. According to Kohlberg Suzy is functioning at the __________ stage of moral development.
How does the aggression of girls and boys differ? Why is it important for a child to learn self-regulation?
.
How are morality and religion similar and how are they different.docxsimonithomas47935
How are morality and religion similar and how are they different?
Discuss how your religious beliefs, or lack thereof, have shaped your own morality.
What is natural law theory? How does it compare to religion?
What criteria did Thoreau argue must exist before engaging in civil disobedience?
.
How are financial statements used to evaluate business activities.docxsimonithomas47935
How are financial statements used to evaluate business activities?
What is managerial accounting and how does it help businesses create a competitive advantage
What skills must be developed to evaluate company performance?
How are investment and operations alternatives evaluated and selected?
2pages
.
How are Japanese and Chinese Americans similar How are they differe.docxsimonithomas47935
How are Japanese and Chinese Americans similar? How are they different? After exploring your course material and outside sources, please share the differences and similarities on such topics as immigration patterns, family life, economic picture, etc. Be sure to cite your sources properly. At a minimum, students should include summarized (no direct quotes) information from the course text. Do not forget to include page numbers in your in-text citations!
.
Hot Spot PolicingPlace can be an important aspect of crime and.docxsimonithomas47935
Hot Spot Policing
"Place" can be an important aspect of crime and crime prevention. Behaviors occur across space and time. In the 1990's hot spot policing became a very popular topic.
In this paper, you need to address the following:
Define the concept of "Hot Spot" from the context of law enforcement,
Define the concept of "Hot Product" from the context of law enforcement,
Describe VIVA and CRAVE (as they relate to hot spots and hot products),
Identify a few products or objects that might be prime targets for crime, and
Indicate how these products or objects fit the ideas of VIVA and CRAVED.
.
HOSP3075 Brand Analysis Paper 1This is the first of three assignme.docxsimonithomas47935
This document provides instructions for the first assignment of a brand analysis paper. Students must choose a hotel brand and write a paper analyzing the brand using at least four sources. The paper should be organized using provided topic headings, including: brand overview and history; target markets; brand position; and brand elements. For each section, the document provides guidance on what information should be included. For example, for the brand overview and history section, it instructs students to provide a brief history and timeline of the brand, as well as information on the brand's geographic locations and parent company. MLA format is required.
Hou, J., Li, Y., Yu, J. & Shi, W. (2020). A Survey on Digital Fo.docxsimonithomas47935
Hou, J., Li, Y., Yu, J. & Shi, W. (2020). A Survey on Digital Forensics in Internet of Things IEEE Internet of Things Journal, I(1),1-15,.
Chen, J. & Zhu, Q. (2019). Interdependent Strategic Security Risk Management With Bounded Rationality in the Internet of Things. IEEE Transactions on Information Forensics and Security, 14(11), 2958-2971.
Borek, A. (2014). Total Information Risk Management: Maximizing the Value of Data and Information Assets (Vol. First edition). Amsterdam: Morgan Kaufmann
The readings this week discusses broad context of risk and investigative forensics. Part of risk management is to understand when things go wrong, we need to be able to investigate and report our findings to management. Using this research, or other research you have uncovered discuss in detail how risk and investigate techniques could work to help the organization. ERM helps to protect an organization before an attack, where as forensics investigate technique will help us after an attack - so lets discus both this week.
Please make your initial post and two response posts substantive. A substantive post will do at least two of the following:
Ask an interesting, thoughtful question pertaining to the topic
Answer a question (in detail) posted by another student or the instructor
Provide extensive additional information on the topic
Explain, define, or analyze the topic in detail
Share an applicable personal experience
Provide an outside source that applies to the topic, along with additional information about the topic or the source (please cite properly in APA 7)
Make an argument concerning the topic.
.
How (Not) to be Secular by James K.A. SmithSecular (1)—the ea.docxsimonithomas47935
How (Not) to be Secular? by James K.A. Smith
Secular (1)—the earthly plane of domestic life as distinguished from the sacred.
Secular (2)—areligious, neutral, unbiased, “objective”
Secular (3)—a world in which it is possible to imagine not believing in God; religious belief is no longer axiomatic.
Cross-pressured—The simultaneous pressure of various spiritual options or the feeling of being caught between an echo of transcendence and the drive toward immanentization.
Immanent frame—A constructed social space that frames our lives entirely within a natural order, an order “whose working could be systematically understood and explained in its own term, leaving open the question whether this whole order had a deeper significance....” (Taylor, A Secular Age, p. 15)
Exclusive humanism—A worldview that is able to account for meaning and significance without any appeal to the divine or transcendence.
Self-transcendence—a turning of life toward something beyond ordinary human flourishing. (Taylor, p. 44)
Fullness—The human impulsion to find significance, meaning, value—even within an entirely immanent frame.
Spin—A construal of life in an immanent frame that does not recognize itself as construal. Does not grant plausibility to the alternative,
Take—A construal of life in an immanent frame that is open to appreciating the viability of other takes.
Modern Moral Order (MMO)—Understanding of morality that focuses on the organization of society for mutual benefit rather than obligation to higher or eternal norms.
Faith
Faith Development Theory and a Look at Faith Today
Definitions of Faith
Faith (in general) = one’s ultimate concern (Paul Tillich)
Religious Faith = a relationship with God which engages a person’s total personhood; (Fischer and Hart reading); personal knowledge of God (Richard McBrien)
Faith is not primarily belief in ideas but in God
Difference between faith and “the faith”—the latter usually refers to a collection of “beliefs”
Misunderstandings of the Meaning of Faith
1. Having faith is believing things, “assenting to truths”—the rationalist misunderstanding
2. Having faith is behaving morally—the moralist misunderstanding
3. Having faith is feeling something —the emotionalist misunderstanding
These are all aspects of faith but faith cannot be reduced to any one of these.
Key Points about Faith
1. “Faith seeks understanding and is a friend of reason.” (The United States Catholic Catechism for Adults) In the words of Vatican I, faith is “consonant with reason.” Faith and reason are compatible. Faith is not “blind faith.”
2. Although faith has a content (beliefs), what Christians believe in are not the formulas of faith but in the realities they express.
3. Faith is a commitment of the whole person, not just the intellect of the person.
4. Faith is both personal and communal.
Faith Development Theory
Fowler’s Stages of Faith
Similar to Lawrence Kohlberg’s Stages of Moral Development
Overview of the Stages.
Hopefully, you enjoyed this class on Digital Media and Society.Q.docxsimonithomas47935
Hopefully, you enjoyed this class on Digital Media and Society.
Question #1:
Has your impression of digital media and society changed after taking this class? How? What in your opinion is the future of digital media and the Internet?
Topic 2: One Takeaway
There are no readings assigned this week. Reflect on the weekly Read & Watch content you have been exposed to throughout the semester to craft your response.
Discussion:
There are many interesting concepts, ideas, and theories presented in this class. We talked Curly Fries, Filter Bubbles, Global Collaboration, Digital Divide, Privacy, Big Data...
Question #1:
What is the most important thing you have learned from this class? What is your Number One Takeaway?
.
hoose (1) one childhood experience from the list provided below..docxsimonithomas47935
hoose
(1) one
childhood experience from the list provided below. This list has been generated from the Australian Institute of health and Welfare (2020) Australia’s Children report.
Asthma in children aged 5-14
Type 1 diabetes in children aged 0-14
Brain cancer in children up to 14 years
Anxiety disorders in children aged 5-14
Dental decay in children over 12
Overweight/Obesity in children 5-14
School aged child living with an intellectual disability
Children experiencing homelessness
Low birthweight babies
Children who are exposed to or a victim of family violence
After researching the prevalence of your chosen childhood experience, develop a brief hypothetical case study (200 words or so) about a child and their family highlighting the health care setting in which you (the nurse) meet the family;
the case study helps to guide your essay and provide context for your reader.
To explore the impact of your chosen childhood experience on the child and their family in the case study you have developed, read widely and address the following prompts informed by
contemporary and relevant
developmental, nursing and family care theory:
Outline the prevalence in Australia of the childhood experience chosen and highlight the short term, medium term and potential long term health outcomes/impact on the child
Discuss the impact (protective or otherwise) of family, culture and environment on the identified health outcomes for children identified from prompt 1
Explore the impact of the chosen childhood experience on the learning and development of the child in the case study, in light of their age/stage of development
When you (the nurse) meet the family (as outlined in your case study) how might you engage therapeutically with the child and family? Outline age/development appropriate communication strategies that you could adopt to support child/family flourishing
Based on the chosen childhood experience selected and the case study specifics, provide two priority nursing actions/interventions with rationales, that would advocate for positive child/family health outcomes
This essay will be developed with an introduction, body and conclusion, with correct grammar and spelling and acknowledging sources using APA 7th Edition referencing style. Word count of 2000 words +/-10% will be maintained; inclusive of intext references, excluding reference list.
Rubric
Assessment 3: Case study and literature review
Assessment 3: Case study and literature reviewCriteriaRatingsPtsThis criterion is linked to a learning outcome1.Case study developed is clear, informative and feasible
5
PtsExceeds expectationsVery well considered case study. The child/family circumstances are realistic and comprehensively presented in light of the chosen childhood experience; the context of the family and nurse interaction is clearly defined.4
PtsMeets ExpectationsWell considered case study. The child/family circumstances are realistic and thoroughly present.
honesty, hard work, caring, excellence HIS 1110 Dr. .docxsimonithomas47935
honesty, hard work, caring, excellence
HIS 1110 Dr. G. J. Giddings
ANALYSIS PAPER: GREAT MIGRATION HISTORY AS TACTIC
4 pages; 4 “works cited”/reference sources (at least 1 primary source)
Related Course Outcome: Identify and analyze connections between individual events and national
historic events.
OPTIONS I
Analysis Paper: Migration As Tactic/
Solution
(Long Interviews as main resource) (4 pages)
Millions of African Americans escaped or ran away from their homes in the South to seek refuge
in the North. Explore your individual interviewees’ descriptions of problems (lack of opportunities, racial
terrorism, personal reasons, etc.) they faced in the South or wherever, and how they attempted to
escape these problems by choosing migration as a tactic or solution. Explore how the individual
migration stories connect to or compare with the general Great Migration “push” and “pull” factors,
which motivated so many African Americans to leave the South. To help draw these connections,
identify and compare the “pull” and “push” factors of the Great Migration as well as other related
course themes such as: leadership tactics, African America socio-economic and culture status/state,
protest; demographic shifts/changes, etc.
OPTIONS II
Analysis Paper: Migration As Tactic/
.
hoose one of the four following visualsImage courtesy o.docxsimonithomas47935
hoose one of the four following visuals:
Image courtesy of: Nike® 2013 advertisement
Image courtesy of: Parents magazine June 2011
Image courtesy of: Harley Davidson® advertisement
Image courtesy of: Bank of America advertisement
In a
2-3-page APA formatted paper with an additional reference page
(
template here
), analyze the strategic use of perceptual visual communication:
Analyze how specific semiotic visuals in your chosen image affect different cultural perceptions (age, ethnicity, social group, etc.).
Describe how each culture’s cognitive memories and experiences may affect how they perceive this image.
Explain why cultural perception is important to consider when working with international or global cultures.
Discuss why it is important to consider cultural perception when interacting with different age cultures and different social groupings.
Support the items above by including relevant quotes and paraphrases from academic/scholarly sources.
.
HomeworkChoose a site used by the public such as a supermark.docxsimonithomas47935
Homework
Choose a site used by the public such as a supermarket, doctor's office, library, post office, or department store and observe one or more key processes, the associated suppliers, inputs, process steps, outputs, customers, the measurement systems, and how the measurements are used to manage and improve the process. Submit a Word document in which you include the following:
Company visited.
Process observed.
SIPOC elements.
Process measurements.
Process management systems used.
.
Homework 2 Please answer the following questions in small paragraph.docxsimonithomas47935
The document contains homework questions asking about the conditions in Europe that led to the conquest of America, the effects of the conquest on native peoples and Europeans, the motives and backgrounds of Spanish conquistadors, and factors explaining how a small number of Spaniards conquered large indigenous empires.
Home
Notifications
My Community
BBA 2010-16J-5A21-S1, Introduction to Business
Unit VI
Upload Assignment: Unit VI Case Study
BBA 2010-16J-5A21-S1, Introduction to Business
COURSE INFORMATION
Start Here
Announcements
Syllabus/Schedule
Unit I
Unit II
Unit III
Unit IV
Unit V
Unit VI
Unit VII
Communication Forums
Grades
RESOURCES
My Library
Math and Writing Center
Student Resources
Tools
Upload Assignment: Unit VI Case Study
.
Home
Announcements
Syllabus
Discussions
Quizzes
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Chat
People
Office 365
Course Resource Booklet (Final Submission Due)
Child Welfare Advocates have many resources available to them to assist those in need. The key is to know what resources are available. This assignment will require students to create resources on local and child welfare social services and present in a booklet format. This will be an ongoing course project as you learn about new resources in each module. As you continue with your classes, you may even choose to add additional resources.
Timeline
Module 1
— Course Resource Project assigned
Module 2
— Submit for instructor feedback – non-graded.
Students will submit the title page, introduction and one agency description in Module 2 for purposes of non-graded feedback.
Module 5
— Final Course Resource project due
Directions
Students will create a booklet that compiles information for twelve different agencies.
The twelve agencies must represent the following categories of general services. No category can be eliminated.
Adult Assistance — include one agency that specializes in helping the homeless
Child Development — include one agency that specializes in helping those in poverty
Family Support Services — include one resource on family violence
Health — include one agency that specializes in helping those with addiction
Legal — include the Guardian Ad Litem program
Mental Health
Each category should include:
A maximum of two agency resources for each category.
No more than one state agency may be included in each category.
Do not use the same agency more than once.
Agencies should be alphabetized by category.
Students should work on the Course Resource Booklet each module so they have a cumulative booklet ready for submission. Do not wait until the last minute.
Each local agency resource should include the following information. Use headings for components, as needed.
(See sample page attached.)
Name of Agency
Agency address (Domestic Violence shelters may use outreach center)
Website URL
Hours of Operation
Agency Description of 150 to 175 words
. This part of the resource booklet must be written and paraphrased in paragraph format and must include the following information:
(1.5 spacing for submission to instructor)
Mission/Purpose of the resource
Populations Served
Specific Type of Services
Eligibility Requirements
One strength and one limitation of the agency or its services
The final booklet should include:
A Title Page
Table of Contents
An introduction with a statement of purpose and definition of child welfare
Use paragraph form for agency description, strength and limitations of resource
Agency information should be alphabetized and spaced at 1.5
Use Times New Roman, size 12 font
Include page numbers
Be visually appealing and professional in appearance
Submit your document to Turnitin®. Turnitin® will tell you if you have copied text from o.
Homeless The Motel Kids of Orange CountyWrite a 1-2 page pa.docxsimonithomas47935
Homeless: The Motel Kids of Orange County
Write a 1-2 page paper double spaced using 12 point Calibri/Times New Roman font.
Your paper should be written using the “conflict” and “symbolic interactionism” perspective. 1) What was the premise of the video? 2) Give two examples of how the children understood the situation they are in. 3) Why or why not do you see hope for the children. 4) How did the video make you feel?
.
Home work 8 Date 042220201. what are the different between.docxsimonithomas47935
The document discusses two California government websites, waterboards.ca.gov and water.ca.gov and asks what the differences are between the agencies that run each site. It instructs the reader to visit both websites to learn more.
Leveraging Generative AI to Drive Nonprofit InnovationTechSoup
In this webinar, participants learned how to utilize Generative AI to streamline operations and elevate member engagement. Amazon Web Service experts provided a customer specific use cases and dived into low/no-code tools that are quick and easy to deploy through Amazon Web Service (AWS.)
Chapter wise All Notes of First year Basic Civil Engineering.pptxDenish Jangid
Chapter wise All Notes of First year Basic Civil Engineering
Syllabus
Chapter-1
Introduction to objective, scope and outcome the subject
Chapter 2
Introduction: Scope and Specialization of Civil Engineering, Role of civil Engineer in Society, Impact of infrastructural development on economy of country.
Chapter 3
Surveying: Object Principles & Types of Surveying; Site Plans, Plans & Maps; Scales & Unit of different Measurements.
Linear Measurements: Instruments used. Linear Measurement by Tape, Ranging out Survey Lines and overcoming Obstructions; Measurements on sloping ground; Tape corrections, conventional symbols. Angular Measurements: Instruments used; Introduction to Compass Surveying, Bearings and Longitude & Latitude of a Line, Introduction to total station.
Levelling: Instrument used Object of levelling, Methods of levelling in brief, and Contour maps.
Chapter 4
Buildings: Selection of site for Buildings, Layout of Building Plan, Types of buildings, Plinth area, carpet area, floor space index, Introduction to building byelaws, concept of sun light & ventilation. Components of Buildings & their functions, Basic concept of R.C.C., Introduction to types of foundation
Chapter 5
Transportation: Introduction to Transportation Engineering; Traffic and Road Safety: Types and Characteristics of Various Modes of Transportation; Various Road Traffic Signs, Causes of Accidents and Road Safety Measures.
Chapter 6
Environmental Engineering: Environmental Pollution, Environmental Acts and Regulations, Functional Concepts of Ecology, Basics of Species, Biodiversity, Ecosystem, Hydrological Cycle; Chemical Cycles: Carbon, Nitrogen & Phosphorus; Energy Flow in Ecosystems.
Water Pollution: Water Quality standards, Introduction to Treatment & Disposal of Waste Water. Reuse and Saving of Water, Rain Water Harvesting. Solid Waste Management: Classification of Solid Waste, Collection, Transportation and Disposal of Solid. Recycling of Solid Waste: Energy Recovery, Sanitary Landfill, On-Site Sanitation. Air & Noise Pollution: Primary and Secondary air pollutants, Harmful effects of Air Pollution, Control of Air Pollution. . Noise Pollution Harmful Effects of noise pollution, control of noise pollution, Global warming & Climate Change, Ozone depletion, Greenhouse effect
Text Books:
1. Palancharmy, Basic Civil Engineering, McGraw Hill publishers.
2. Satheesh Gopi, Basic Civil Engineering, Pearson Publishers.
3. Ketki Rangwala Dalal, Essentials of Civil Engineering, Charotar Publishing House.
4. BCP, Surveying volume 1
A review of the growth of the Israel Genealogy Research Association Database Collection for the last 12 months. Our collection is now passed the 3 million mark and still growing. See which archives have contributed the most. See the different types of records we have, and which years have had records added. You can also see what we have for the future.
বাংলাদেশের অর্থনৈতিক সমীক্ষা ২০২৪ [Bangladesh Economic Review 2024 Bangla.pdf] কম্পিউটার , ট্যাব ও স্মার্ট ফোন ভার্সন সহ সম্পূর্ণ বাংলা ই-বুক বা pdf বই " সুচিপত্র ...বুকমার্ক মেনু 🔖 ও হাইপার লিংক মেনু 📝👆 যুক্ত ..
আমাদের সবার জন্য খুব খুব গুরুত্বপূর্ণ একটি বই ..বিসিএস, ব্যাংক, ইউনিভার্সিটি ভর্তি ও যে কোন প্রতিযোগিতা মূলক পরীক্ষার জন্য এর খুব ইম্পরট্যান্ট একটি বিষয় ...তাছাড়া বাংলাদেশের সাম্প্রতিক যে কোন ডাটা বা তথ্য এই বইতে পাবেন ...
তাই একজন নাগরিক হিসাবে এই তথ্য গুলো আপনার জানা প্রয়োজন ...।
বিসিএস ও ব্যাংক এর লিখিত পরীক্ষা ...+এছাড়া মাধ্যমিক ও উচ্চমাধ্যমিকের স্টুডেন্টদের জন্য অনেক কাজে আসবে ...
A workshop hosted by the South African Journal of Science aimed at postgraduate students and early career researchers with little or no experience in writing and publishing journal articles.
it describes the bony anatomy including the femoral head , acetabulum, labrum . also discusses the capsule , ligaments . muscle that act on the hip joint and the range of motion are outlined. factors affecting hip joint stability and weight transmission through the joint are summarized.
This slide is special for master students (MIBS & MIFB) in UUM. Also useful for readers who are interested in the topic of contemporary Islamic banking.
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UPRAHUL
This Dissertation explores the particular circumstances of Mirzapur, a region located in the
core of India. Mirzapur, with its varied terrains and abundant biodiversity, offers an optimal
environment for investigating the changes in vegetation cover dynamics. Our study utilizes
advanced technologies such as GIS (Geographic Information Systems) and Remote sensing to
analyze the transformations that have taken place over the course of a decade.
The complex relationship between human activities and the environment has been the focus
of extensive research and worry. As the global community grapples with swift urbanization,
population expansion, and economic progress, the effects on natural ecosystems are becoming
more evident. A crucial element of this impact is the alteration of vegetation cover, which plays a
significant role in maintaining the ecological equilibrium of our planet.Land serves as the foundation for all human activities and provides the necessary materials for
these activities. As the most crucial natural resource, its utilization by humans results in different
'Land uses,' which are determined by both human activities and the physical characteristics of the
land.
The utilization of land is impacted by human needs and environmental factors. In countries
like India, rapid population growth and the emphasis on extensive resource exploitation can lead
to significant land degradation, adversely affecting the region's land cover.
Therefore, human intervention has significantly influenced land use patterns over many
centuries, evolving its structure over time and space. In the present era, these changes have
accelerated due to factors such as agriculture and urbanization. Information regarding land use and
cover is essential for various planning and management tasks related to the Earth's surface,
providing crucial environmental data for scientific, resource management, policy purposes, and
diverse human activities.
Accurate understanding of land use and cover is imperative for the development planning
of any area. Consequently, a wide range of professionals, including earth system scientists, land
and water managers, and urban planners, are interested in obtaining data on land use and cover
changes, conversion trends, and other related patterns. The spatial dimensions of land use and
cover support policymakers and scientists in making well-informed decisions, as alterations in
these patterns indicate shifts in economic and social conditions. Monitoring such changes with the
help of Advanced technologies like Remote Sensing and Geographic Information Systems is
crucial for coordinated efforts across different administrative levels. Advanced technologies like
Remote Sensing and Geographic Information Systems
9
Changes in vegetation cover refer to variations in the distribution, composition, and overall
structure of plant communities across different temporal and spatial scales. These changes can
occur natural.
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Film vocab for eal 3 students: Australia the movie
DescriptionInstructionsAssignment 3 How Private Health Cover.docx
1. Description
Instructions
Assignment 3 How Private Health Coverage Works: A Primer is
due by Wednesday, January 18th by 11:59 PM. In order to fully
answer the questions, it may be necessary to reference the
lecture packets, previous posted readings, and/or external
sources. Please include the specific location where the
referenced information can be found. For example: How Private
Health Coverage Works: A Primer , p __; History of Health
Insurance, p_____; Lecture Packet __ Slide___, etc. Points will
be subtracted if the rules are not followed or if the submission
is incomplete. Lastly, please note that this will be a graded
assignment and not an exam.
QUESTION 1 (5
points)
1. In your own words, define private health insurance.
QUESTION 2 (10 points)
1. Please discuss at least two differences between private health
insurance and public health insurance.
Please number your responses (1-2)
QUESTION 3 (15 points)
1. Please define and provide an example of the following health
insurance terms: moral hazard, adverse selection, and preferred
risk selection.
Please ensure to label your responses.
2. QUESTION 4 (20 points)
1. Please list and explain five different ways that private health
insurance can be delivered. Be sure to compare and contrast
each method. In your discussion, identify any possible benefits
or limitations that might occur through using the various health
insurance models.
Please number your responses (1-5).
QUESTION 5 (5 points)
1. How does risk pooling affect the provision of health
insurance?
QUESTION 6 (15 points)
1. Please list and explain three underwriting procedures
discussed in the assigned reading. What are the advantages and
disadvantages of the different underwriting practices?
Please number your responses (1-3)
QUESTION 7 (15 points)
1. Legislation can affect the provision of health insurance in
various ways. Please explain how the following regulations
affect the provision of health insurance: ERISA, HIPAA, and
PPACA. (While the writing does not expressly discuss PPACA,
other course readings, as well as additional research can provide
the needed information).
Please ensure to label your responses.
3. QUESTION 8 (15 points)
1. Please list and explain three examples of how state
legislation can have on the provision of health insurance?
Please number your responses (1-3)
Healthcare Financial Management & Policy
2017
Lecture Packet #2
Gregory Ellis-Griffith, PhD, MPH
Associate Professor, Health Care Administration.
Department of Public Health
Western Kentucky University
1
Please review with notes page visible.
Respectfully,
GEG
1
Outline
The Demand For Health Insurance
4. Adverse Selection Issues
Retrospective Reimbursements
Managed Care
2
The purpose of this lecture is to provide an overview of the US
Health Insurance system. This will be accomplished by broadly
focusing on the demand for health insurance theories, the
concept of adverse selection, the impact of retrospective
reimbursements, and the influence of managed care.
2
The Demand For Health Insurance
Several factors are associated with the demand for health
insurance some of them include: risk aversion, premium
insensitivity, the size of the potential loss, the probability of
loss, the wealth effect, the value of health insurance, and the
advantages associated with employer sponsored health insurance
(ESHI).
_____________________________________________________
__________
Risk Aversion:
Risk aversion is simply the avoiding of risk.
The degree of risk aversion directly related to the level of
5. discomfort associated uncertain outcomes.
3
3
The Demand For Health Insurance
Risk Aversion (continued):
People who are more risk adverse have a smaller tolerance for
risk and cannot deal with uncertain outcomes.
Risk adverse people cannot deal with risk.
All things being equal, because younger individuals are less risk
adverse than older individuals, they are more willing to refuse
health insurance when offered.
Possible reason why there is a mandate (tax) for people in the
Patient Protection and Affordable Care Act (PPACA) to buy
health insurance.
4
4
The Demand For Health Insurance
Risk Aversion (continued):
6. As the degree of risk aversion increases, the more likely you are
to buy health insurance.
The purchase of health insurance does not protect against the
uncertain event occurring.
Instead, health insurance allows you the opportunity to protect
yourself/family from the risk of financial loss due to a medical
event.
5
5
The Demand For Health Insurance
Premium Insensitivity:
Premium insensitivity is the willingness of an individual to pay
a premium.
The larger the premium insensitivity, the more willing the
individual will be to pay a higher cost premium.
The level of risk aversion an individual experiences is directly
related to the premium insensitivity.
The larger the degree of risk aversion, the larger the premium
insensitivity of the beneficiary.
Due to the protection that health insurance offers, some people
are not concerned about the price of the premium.
These individual becomes relatively insensitivity to the price
of the premium.
6
7. 6
The Demand For Health Insurance
The Size of the Potential Loss:
As the size of the possible loss increases, individuals become
more willing to pay an insurance premium.
As a result, all things being equal, consumers usually value
coverage for catastrophic loss instead of first dollar coverage
(coverage for smaller items).
This theory help explain why people will be more willing to buy
hospital insurance than dental insurance.
In addition, as the cost of health insurance increases, it is
expected that the consumer will shift their coverage away from
preventive/primary care coverage (e.g. office visits, dentist
visits, Rx drug services), but retain catastrophic coverage (e.g.
hospital inpatient coverage).
7
The Demand For Health Insurance
The Probability of Loss:
An individual’s willingness to pay a premium also depends on
the probability of loss.
Assume initially that a medical event has a 1 in 10 chance of
occurring (10 %).
Now assume the chance of the medical event occurring
increasing to a 5 in 10 chance (50%).
As the chance of the medical event increases, consumers
become more willing to pay a higher risk premium.
8. 8
The Demand For Health Insurance
The Wealth Effect:
The maximum amount consumers we are willing to pay for a
premium depends on their wealth.
Research has identified an inverse association between wealth
and the purchase of health insurance.
More affluent individuals are less likely to purchase insurance.
This occurs because relatively wealthy individuals have the
option to self –insure (i.e. save their own money to protect
against a loss).
While, relatively less wealthy individuals will usually buy
insurance to protect against the same level of risk.
E.g. The Best Buy hypothesis: Whenever you purchase
electronic devices or appliances from Best Buy, the clerk asks if
you wish to buy the extended warranty. Research has identified
that relatively less affluent individuals are more likely to
purchase the extended warranty.
9
9
The Demand For Health Insurance
The Wealth Effect (continued) :
As an individual's wealth increases, their premium sensitivity
9. increases and they are less likely to buy insurance.
This is true for numerous insurance markets, However, it does
not apply to the health insurance market.
The discrepancy of this theory occurs because of the
complexities of the health insurance marketplace.
We will discuss some of the reasons next.
10
The Demand For Health Insurance
In the market place, the demand for health insurance is
complicated because of certain factors such as: the intricacy
associated the ESHI market, and the value workers place on
health insurance.
We will talk more about the ESHI market later.
The Value Health Insurance:
The value that an individual places on an item is directly
associated with the willingness to own the item.
People value health insurance and they want to be covered
under a policy.
Researchers identified that health insurance is viewed as the
single most important fringe benefit.
A 2010, MetLife reported that 81% of full-time employees
ranked medical benefits as the most important.
Vacations ranked second with 57%.
10. 11
The Demand For Health Insurance
Advantages of ESHI:
Health insurance tends to be less expensive when purchased
through an employer. This usually occurs because of factors
such as: favorable selection, economies of scale, and the tax
advantages associated with ESHI.
Favorable Selection:
Favorable selection is the targeting/marketing of healthier
people for health insurance coverage.
This is the opposite of adverse selection (negative selection).
Will revisit the concept of adverse selection later.
12
12
The Demand For Health Insurance
Advantages of ESHI:
Favorable Selection (continued):
Targeting employers for group coverage is viewed as a
favorable selection strategy because employment status serves
as a good indicator of lower than expected claims costs.
Research has identified that on average employed individuals
tend to be healthier than unemployed individuals.
11. 13
13
The Demand For Health Insurance
Economies of Scale:
Relative to individual plans, employer group plans experience
greater economies of scale (EOS) than individuals plan policies.
This occurs because:
The administrative costs and risks associated with health
insurance coverage can be spread across a large pool of people.
14
The Demand For Health Insurance
Tax Advantages of ESHI:
Health insurance is not taxed as a federal state income. It is also
no subject to Social Security and Medicaid payroll taxes.
As a result, the premiums an employee pays for health insurance
is taken out of their paycheck before taxes are applied. This is
known as pre-tax dollars.
As a result of this pre-tax occurrence, $1 of health insurance
purchased on a pre-tax basis is greater than a $1 of take home
pay after taxes.
The higher the income attainment (the more money an
individual earns), the greater the tax savings associated with
ESHI.
12. The pre-tax subsidy phenomenon is one of the main reasons why
more affluent people United States have more (better) health
insurance.
15
The Demand For Health Insurance
Tax Advantages of ESHI (continued):
The tax subsidy also provides an incentive for broader and
deeper coverage.
Wealthier individuals usually have more generous health
insurance offerings .
Wealthier individuals are more likely to have coverage such as:
dental care, maternity services, diet/ exercise plan coverage.
How do provider’s respond to this phenomenon ?
Providers usually respond by providing more luxurious services
for individuals with better health insurance. E.g. Boutique
Medicine. (e.g. Pregnant in Heels and Brookwood Medical
Center (BWMC).
We will talk about next.
_____________________________________________________
_________________
The tax incentives associated with ESHI serves to reduce the
price of health insurance and may outweigh the effects
described by the theories of the demand for health insurance
(Morrisey, 2006).
16
17
New Women's Medical Center
http://www.bwmc.com/enus/ourservices/medicalservices/pages/
13. women'smedicalcenteraddition.aspx#
http://www.youtube.com/watch?v=Mne0D8LbpGk
The new Women’s Medical Center provides advanced women’s
care in a 121,000 square foot facility with five-star amenities.
Created exclusively for our maternity and neonatal programs,
each floor is designed with mother and baby in mind. Just like
their babies, mothers will be entering a whole new world.
Each floor of the new facility offers a spacious waiting area
decorated with local artwork and filled with ambient water
sounds.
A comfortable family lounge provides the conveniences of home
with features such as a stone fireplace, kitchen and laundry
station.
Two playrooms give younger family members their own retreat
filled with toys and games. New moms will enjoy an array of in-
room amenities and services including room service,
refrigerators, Wi-Fi, and flat screen TVs.
The Demand For Health Insurance
The purpose of this slide is to identify how providers respond to
broader and more generous type of health insurance coverage
carried by more affluent individuals.
Essentially when faced with this situation, providers offer
services specifically to attract the higher income health
insurance holders.
Please see next slides for pictures of the new medical center.
17
14. At the very top are pictures of the new Women’s Center at
15. Brookwood Hospital in Birmingham, Alabama.
Immediately below is a picture from Pregnant in Heels, a show
which caters to affluent women who are about to have a baby.
Pregnant in Heels came to Birmingham to be a part of the
advertising campaign for the new medical center. The last two
slides illustrate how providers cater there services to attract
specific individuals with health insurance.
Please see reading on blackboard titled: Is This a Hospital or a
Hotel? for additional examples.
18
19
Adverse Selection Issues
Adverse Selection Issues
Adverse Selection:
Adverse Selection in health insurance exists when the patient
knows more about their likely use of health services than does
the health insurer.
As a result, the patient has an incentive to use this information
to their best advantage.
For example, if you had some health problem (e.g. heart
disease), it may be in your best interest to find an insurance
plan that is designed for healthier people.
Why? The cost of the policy will be cheaper for the healthier
segment of the population.
If the health insurer knows that the patient has heart disease,
the insurer will charge the patient a higher premium or refuse to
insure the patient.
If the insurer does not perform these actions, they will lose
money when providing health coverage to the patient.
16. As a result, insurers worry about the adverse selection
phenomenon.
20
20
Adverse Selection Issues
Insurers deal with the problem of adverse selection by
classifying people into different groups based on their risk
characteristics:
e.g. males -v- females, overweight-v- normal weight, smoker-v-
non smoker.
Premiums are then charge based on these risk characteristics.
The more risk characteristics you have, the higher your
premiums. The lower risk characteristics, the lower your
premiums.
Please see reading on blackboard titled: For Obamacare to Work
Everyone Must Be In
21
Please see reading on blackboard titled: For Obamacare to Work
Everyone Must Be In
21
17. Adverse Selection Issues
The same strategy that is used to place people into risk
categories are the same strategies used to identify desirable
segments of the population.
Identifying/ marketing to favorable segments of the population
is known as favorable selection.
In order to save/ make money insurers tend to go after young
healthy people.
Why? Research has identified that young, relatively healthy
people utilize less health care than poor, relatively unhealthy
individuals.
Please see the following supplemental readings on blackboard
for more detail:
Obamacare may get sick if young Americans don't sign up
Why The "Young Invincibles" Won't Participate In The
ObamaCare Exchanges and Why It Matters
22
Please see the following supplemental readings on blackboard
for more detail:
Obamacare may get sick if young Americans don't sign up
Why The "Young Invincibles" Won't Participate In The
ObamaCare Exchanges and Why It Matters
22
23
18. Retrospective Payment
Retrospective Payment
Retrospective payment occurs when the insurer pays for medical
procedures after they have been performed.
With retrospective payments, the amount of reimbursement
depends on the charges/costs actually incurred.
Retrospective reimbursements are also commonly know as fee-
for-service reimbursements.
There are two types of retrospective reimbursements.
Charged Based Reimbursements, Cost based reimbursements.
24
Retrospective Payment
Charge Based Reimbursements:
In charge based reimbursements, charges are based on the care
provided.
The organization charges an amount which reflects the services
performed.
Charges usually include the cost of the services, plus additional
amount to achieve the desired profit margin.
At the turn of the last century (early to mid 1900s) charge based
reimbursements dominated the medical profession.
19. 25
Retrospective Payment
Charge Based Reimbursements:
With charge based reimbursements, the organization assumes no
financial risk if the charges accurately reflect the services
performed and the third party pays the claim.
With this form of reimbursement, there is no financial incentive
for the healthcare organization to provide only medically
appropriate services.
E.g. saving money by operating more efficiently.
26
Retrospective Payment
Cost Based/ Cost Plus Reimbursement:
Health care organizations are reimbursed for the cost of care
provided to patients.
The organization had to identify the cost of performing the
services. This form of reimbursement is less than charged based
reimbursement.
In the United States, the public reimbursement system was
entirely cost-based until 1983. (specifically the system was
cost plus reimbursement).
27
20. Retrospective Payment
Cost Based/ Cost Plus Reimbursement (continued):
The Healthcare Financial Authority (HCFA) reimbursed for the
cost of services plus HCFA paid an additional 2% above the
cost of services.
The additional 2% over the cost of the services were paid to
allow the health provider organization to invest in new
products/ services.
This type form of reimbursement policy led to problems in the
delivery of care and a significant amount of medical inflation.
We will discuss next.
28
Retrospective Payment
Problems in the Fee-for-Service (FFS) System:
Uncontrolled Utilization:
Under the fee-for-service system, patients can go to any
provider and receive any procedure.
Patient were able to see any specialist and have just about any
procedure performed. In this system there was no gate keeping.
The care received from specialist is usually more expensive
(specialist tend to use more advance technology, more
expensive procedures, and tests).
The use of technologically advanced procedures gave patients
the false impression of impression of high quality.
Instead of competition being driven by efficiency/effectiveness,
competition was driven by health providers who had and
21. performed the latest, most expensive procedures.
This was known as the medical arms race.
29
29
Retrospective Payment
Problems in the Fee-for-Service (FFS) System (continued):
Uncontrolled Prices and Payment:
During the period of retrospective reimbursement, the insurance
company functioned only as a passive payer of claims.
Insurance companies exercised little control over the prices
providers charged to patients.
Insurers would passively pay the clams and collect the money
from employer premiums.
30
Retrospective Payment
Problems in the Fee-for-Service (FFS) System (continued):
Focus on Illness rather than Wellness:
Under the fee for service system, insurance companies only paid
for services when a specific medical episode was reported on
the insurance claim. This is also known as episodic based
medicine.
22. Preventive care visits/checkups were not covered. Thus, fee-for-
service insurance provided more coverage when a person was
hospitalized.
Because of this environment, it was more lucrative for the
physician to put the patient in the hospital, than to keep the
patient out of the hospital.
31
31
Retrospective Payment
Problems in the Fee-for-Service (FFS) System (continued):
Focus on Illness rather than Wellness (continued):
The commonly held belief at the time was Roemer’s Law, which
states that in “an insured population, a hospital bed built is a
bed filled” drove the behavior of the health care industry.
Roemer’s Law was applicable until 1983.
In 1983 the passage of the Tax Equity and Fiscal Responsibility
Act (TEFRA) and the onset of managed care had a significant
effect on the health care environment.
We will talk more about later.
32
32
23. 33
Managed Care
Managed Care
What is Managed Care?
Managed care is a system of healthcare delivery that seeks to
achieve efficiency and cost savings by integrating the financing
and delivery of health care within one organizational setting.
Research has identified that when compared to FFS insurance,
managed care organizations have:
Lower admission rates
Shorter length of stays
Lower days in the hospital
Greater use of office visits
Use of less expensive services/procedures
34
Managed Care
What is Managed Care?
The significant difference in utilization between FFS and
managed care is known as the Managed Care Effect.
Managed Care Organizations achieve the differences in
utilization by adopting strategies such as utilization review,
prospective payment, and by focusing on prevention.
24. We will discuss more later.
35
35
Managed Care
Types of Utilization Review:
Prospective UR: Prospective UR is the evaluation of courses of
treatment before actual care is given.
This can be accomplished with the use of pre-authorizations,
pre-certifications.
The goal of prospective UR is to prevent unnecessary or
inappropriate utilization.
Concurrent UR: Concurrent UR is the evaluation of the care the
patient is receiving care in the hospital.
The managed care organization oversees the actual care being
rendered.
The goal of Concurrent UR is to control the length of stay in the
hospital (e.g. discharge planning) and to prevent the use of
medically inappropriate tests/ procedures.
36
36
25. Managed Care
Types of Utilization Review :
Retrospective UR: Retrospective UR is the examining care after
the services have been rendered.
Retrospective UR is also known as the “claw back”.
With Retrospective UR, the insurance company can take back
reimbursements, which were not spent appropriately.
This form of UR is used to check for billing accuracy, health
provider training and to reward/ sanction health providers.
37
37
Managed Care
Prospective Payment:
With prospective payment, the criteria of how much will be paid
for a particular service is determined before the services are
performed.
The most common forms of prospective payment are per diems,
per diagnosis, and capitation.
_____________________________________________________
____________
Per diem:
26. With the per diem payments, healthcare organizations receive a
per day reimbursement for the care they provided to patients of
the health insurer.
The per diem method of payment provides both financial risks
and financial incentives to healthcare organizations.
38
38
Managed Care
Prospective Payment:
Per diem (continued):
If the per diem rate is less than the cost of care, the
organization will incur a loss.
If the per diem rate is more than the cost of care, the
organization will realize a profit.
Drawbacks: The provider can extend lengths of stay to recover
excess per diem costs.
39
39
Managed Care
Prospective Payment:
27. Per diagnosis (e.g. Diagnostic Related Groups DRGs):
With per diagnosis payments, healthcare organizations receive a
pre-determined reimbursement for care provided to patients of
third party payers.
Per diagnosis reimbursements provides financial incentives for
the healthcare organization to control costs in a manner similar
to per diem.
With per diagnosis reimbursements, organizations cannot just
extend length of stay to recover excess costs per day costs.
40
40
Managed Care
Prospective Payment:
Per diagnosis (e.g. Diagnostic Related Groups DRGs;
continued):
However, per diagnosis reimbursements are subject to Medical
Billing Fraud such as up-coding/ down-coding.
Up-coding assigns a diagnosis that warrants a higher
reimbursement than medically necessary.
Down-coding inaccurately reports a lesser diagnosis, often to
show fraudulent patient improvement.
28. 41
41
Managed Care
Prospective Payment:
Capitation:
With capitation, healthcare organizations receive a fixed
amount per person as a compensation for providing care to a
specified population in the future.
Capitation differs from other forms of prospective payment
because the previously mentioned payment methods are
activated when the patient seeks care in the hospital.
This is primarily accomplished by controlling use.
42
Managed Care
Prospective Payment:
Capitation (continued):
Capitation provides financial incentives to healthcare
organizations to contain costs before the patient seeks care
(primarily by encouraging prevention).
29. Well before the patients seeks care, the managed care
organization pays the provider a specified amount of money
(i.e. $100,000).
If the provider keeps the cost of care below the capitated
amount ($100,000) , the provider can keep the money and make
a profit.
Alternatively, if the cost of care is more than the capitated
amount, the managed care will not pay for the extra cost of care
. The health provider will have to pay for the excess cost of care
out of their own pocket. Thus, incurring a loss.
43
Managed Care
Prospective Payment :
Capitation (continued):
Drawbacks Associated With Capitation:
The drawbacks of capitation occurs because the health provider
assumes all of the financial risk associated with patient care.
Research has also identified that due to desire to make a profit
under capitation, patient care is sometimes limited or refuse.
As a result, there was a backlash against capitation and since
the late 1990s, it use has significantly decreased.
However, under the PPACA law, the concept of capitation is
coming back.
Please see next slide for more details
30. 44
44
45
The Return of Capitation: Preparing for Population-Based
Health Care
Health Care Financial Management, July, 2012
http://www.hfma.org/Templates/Print.aspx?id=33188
With the increasing participation of healthcare providers in
accountable care organizations (ACOs) under the Medicare
ACO demonstration, the trend toward population-based health
care appears to have gathered significant momentum.
…………the healthcare industry is again adopting capitation as
a primary method of payment.
Moreover, this trend applies not only to Medicare payment but
also to commercial payment, as private insurers follow
Medicare’s lead.
For hospitals and most other providers (with the exception of
some primary care physicians who have been capitated for
years), this trend will require a fundamental change in
organizational business models and attention to many new
factors, including financial incentives, terminology, metrics,
and management paradigms.
Please see the following readings on blackboard titled: The
Return of Capitation: Preparing for
Population-Based Health Care for further detail.
Managed Care
31. Please see reading on blackboard titled: The Return of
Capitation: Preparing for Population-Based Health Care for
further detail.
45
A: Hospital Services Utilization per 1000Average Charge Cost
(PMPM)*1: Inpatient Care 240$1,726.00$34.522: Emergency
Room 275$210.00$4.813: Outpatient Surgery
85$1,500.00$10.634: Other Outpatient Services
640$160.00$8.53Subtotal Hospitals $58.94B: Physician
Services 1: Office Visits 3600$60.00$18.002: Inpatient Visits
260$110.00$2.383: Surgery 360$440.00$13.204:
Anesthesiology 85$720.00$5.105: Obstetrics
24$2,160.00$4.32Subtotal Physicians $43.00C: Other Services
1: X-ray 750$165.00$10.312: Lab4600$24.00$9.203: Rx
5150$48.00$20.60Other 280$360.00$8.40Subtotal: Other
Services $48.51Total Medical Services costs PMPM$150.45
*Based on 12,000 Patients
Managed Care: Capitation
The purpose of this chart is to illustrate a capitation formula. Be
aware of the presence of subtotal categories and how services
are itemized and pre-funded. You will not have to calculate a
capitation formula in this class.
46
Managed Care
Prospective Payment :
Capitation (continued):
32. Please see the following supplemental reading for another
viewpoint on the concept of capitation:
From Capitation to Fee for Service in Cincinnati: A
Physician Group
Responds to a Changing Marketplace
47
47
Managed Care
Managed Care–vs.- Traditional Insurance:
Traditional insurance plans pay for services only when a person
becomes sick or develops a condition which requires treatment.
Conversely, the primary focus of managed care is prevention.
e.g. promotion of healthy behaviors, periodic screenings.
The managed care philosophy is based on the fact that it is more
cost effective to prevent conditions, or to identify conditions in
their early stages rather than to try to treat these conditions in
their late stages.
48
48
33. Managed Care
The Managed Care Effect:
Managed care has been widely credited with slowing down the
rate of growth in healthcare expenditures (especially during the
1990s).
During high point of managed care penetration there was a 10-
15% reduction in health care costs.
However, backlash from both enrollees and providers prompted
MCOs to back away from aggressive cost measures.
Under this current healthcare environment, future cost
reductions may not occur without tighter restrictions on
utilization.
Rationing
Controlling technology related expenses
49
Managed Care
The Managed Care Effect:
Managed Care Penetration and Health Insurance Offerings:
Research has identified that the degree of managed care
penetration is inversely associated with reduced health care
costs.
The more managed care organizations you have in a market, the
cheaper the health care costs will be.
Research has also identified that health care costs are highly
associated with employer health care offerings.
The lower the health care costs are to a company, the more
likely they are to purchase health insurance.
34. Thus, at the height of managed care market penetration, the
more likely an employer will be to offer health insurance.
50
50
Managed Care
The Managed Care Effect:
Managed Care and Selective Contracting:
Because of the use of selective contracting, managed care
companies usually choose to work with a select group of
providers.
These are commonly known as participating providers.
Research has identified that managed care companies usually
choose to contract with health providers who are conservative in
their treatment methods. These are health providers who do not
order expensive tests/ procedures.
51
Managed Care
The Managed Care Effect:
Managed Care and Selective Contracting (continued):
Managed care companies usually provide financial incentives to
physicians who successfully keep the financial costs of patient
care down.
35. In the past (under the traditional system) health providers had
financial incentives for ordering expensive services.
Under managed care, health providers have financial incentives
for not using expensive services.
Please see reading on blackboard titled: Medical Care The Soul
of an HMO for more detailed information
52
Please see reading on blackboard titled: Medical Care The Soul
of an HMO for more detailed information
52
Managed Care
The Managed Care Effect :
Managed Care and Favorable Selection (continued):
Research has identified that majority of managed care cost
savings has not really been achieved by strategies such as
utilization management, prevention, and selective contracting.
Instead managed care organizations achieve a majority of their
cost savings by favorable selection (attracting healthy/ low
users of healthcare). This can be accomplished by performing
some of the following activities:
Contracting with health providers who work in relatively
affluent areas.
Marketing to and enrolling white collar workers instead of blue
collar workers. (e.g. enrolling teachers instead of construction
workers).
Offering products/ services that appeal to healthier/ wealthier
36. people (e.g. pet sitting/walking when you are sick, gourmet
cooking classes, and gym membership).
53
53
Managed Care
Additional Factors Which led to the Growth of Managed
Care:
In the 1980s, the excess capacity in the health care system (i.e.
hospital beds/ amount of health providers) was associated with
the growth of managed care.
In 1983, the passage of the Tax Equity and Fiscal Responsibility
Act (TEFRA) in 1983 was a major event for hospitals.
As a result of TEFRA, hospitals had significant amounts of
unused capacity in the form of empty beds. As a result the
bargaining power of hospitals was severely weakened.
Hospitals only choices were to participate with a managed care
plan or risk being left out completely.
We will talk more about the effects of TEFRA later.
Please see reading on blackboard titled: Medical Care The Soul
of an HMO for more detailed information
54
Please see reading on blackboard titled: Medical Care The Soul
of an HMO for more detailed information
54
37. Managed Care
Types of Managed Care Organizations:
Managed care organizations can take on many forms. These
organizations can be broadly defined according to the
following categories: Closed Panel HMOs, Open Panel HMOs,
Preferred Provider Organizations.
Closed Panel HMOs:
Closed panel HMOs are HMOs that exert maximum control over
physician providers.
The HMO contract with a multi-specialty group of physicians to
provide all care to enrollees.
55
Please see The History of Health Insurance Reading (discussion
forum 1) for more detailed information.
55
Managed Care
Types of Managed Care Organizations:
Closed Panel HMOs (continued):
Facility/Staff Model HMOs are the most restrictive type of
closed panel HMO.
In this type of organization the physicians are employees of the
HMO.
E.g. of closed panel HMOs include: Health Insurance Plan
38. (HIP), Kaiser Plans
In this type of organization, provider payment was in the form
of capitation or salary (in the facility/staff model HMOs).
56
Managed Care
Managed Care Organizations:
Open Panel HMOs:
When compared to closed panel HMOs, open panel HMOs exert
moderate control over physician providers.
With Open panel HMOs, the HMO contracts with multiple
physician groups or individual physician's to provide care for
the enrollee.
Member physicians are not employees of the association.
Instead they function as contract workers.
Payment in this type of organizations is usually in the form of
capitation.
57
57
Managed Care
Managed Care Organizations :
39. Preferred Provider Organization Plans (PPOs):
When compared to HMOs (closed/open panel), PPOs place
significantly fewer restrictions on the care seeking behavior of
enrollees.
Enrollees agree to use a select set of physicians and hospitals
(participating providers and hospital) with whom the PPO has
contracts.
The contract areas are relatively large, they can include state(s),
regions, or national areas.
In many circumstances gate keeping is not used. (enrollees can
see specialist without being referred by a physician).
If the beneficiary sees a provider who is not under contract (not
participating with the plan), they will pay higher coinsurance or
co-pay.
58
58
Managed Care
Managed Care Backlash:
In the 1990s, physicians became openly hostile to managed
care organizations and their philosophy on care delivery.
Research has identified that the degree of managed care
penetration (i.e. how many HMOs you have in the market) is
inversely associated with physician satisfaction.
Markets who have more HMOs operating have relatively less
satisfied physicians.
There are age and regional differences in the level of physician
40. satisfaction. Younger physicians and physicians operating in the
upper Midwest, West, and Eastern regions of the United States
are usually less affected by managed care penetration.
Physician opinions are important because their views have a
significant effect on the opinions of their patients.
Please see reading on blackboard titled: Backlash Against
HMOs for more detailed information.
59
Please see reading on blackboard titled: Backlash Against
HMOs for more detailed information
59
Managed Care
Managed Care Backlash (continued):
In response to widespread complaints and negative public
campaigns, state legislators took action.
States passed an array of anti-managed care legislation.
State mandates affected the small employers more than the large
employers.
This is another reason why health insurance in the small group
market is more expensive.
We will revisit this topic later.
The negative environment against HMOs led to the creation of
federal legislation (i.e. Patient Bill of Rights). The entire bill
failed to pass, however portions of the bill passed. One portion
of the bill included the The Newborns‘ and Mothers' Health
Protection Act of 1996.
41. 60
60
Managed Care
Managed Care Backlash (continued):
This law proscribe the occurrence of drive through deliveries.
At time it was commonly believed that HMOs would force
mothers/ babies out of hospital less than 24 hours after delivery.
The Newborns’ and Mothers’ Health Protection law required at
least a 48 hour stay for vaginal delivery; 72 hour stay for C-
section deliveries.
61
61
Managed Care
Managed Care Backlash (continued):
Due to the public backlash managed care organizations have
relaxed the degree of utilization management.
Managed care organizations stopped using prospective,
concurrent and retrospective utilization review techniques as
aggressively as they did prior to the backlash.
There have been consequences to these actions.
42. Research has identified that the use of less aggressive
utilization techniques is directly associated with the increase of
health insurance premiums and the overall cost of care in the
system.
62
62
63Type of Plan 1995200020052006Conventional Insurance
27%8%3%3%Health Maintenance Organizations HMOs)
28%29%21%20%Preferred Provider Organization (PPOs)
25%42%61%60%Point-of-Service Plans 20%21%15%13%High
Deductible Health Plan 4%
Percentage of Insured Workers
Managed Care
Morrisey (2006) Health Insurance
The purpose of this chart is to identify the trend in enrollment
in managed care plans. Please pay specific attention to the two
types of plans highlighted in blue: Health Maintenance
Organizations (HMOs) and Preferred Provider Organizations
(PPOs).
1995-2000 is widely viewed as the height of the managed care
backlash. The result of this backlash can be seen from 2000-
2006 . During this time, the chart is illustrating that the number
of insured individuals in the HMOs are trending downward.
At the same time of the reduction of HMO enrollment, there is s
significant increase in PPO enrollment (see chart above).
Why do you think this is the case?
43. 63
64
Managed Care
The purpose of this slide is to identify the percent change in
HMO penetration across cities. Please focus on the two columns
under percent change.
From 1996-1998: The chart is showing a general increase of
HMO penetration in all study cities.
From 1998-2000: The has been a consistent decrease in
managed care penetration across cities.
64
65
44. Managed Care
This graph illustrates the increase in health insurance premiums
compared to other indicators. The increase in health insurance
premiums is highly associated with the managed care backlash
and the change from relatively restrictive HMOs to relative less
restrictive PPOs.
Please see reading on blackboard titled: The End of Managed
Care for more detailed information:
65
45. Healthcare Financial Management & Policy
Lecture Packet #2
Gregory Ellis-Griffith, PhD, MPH
Assistant Professor, Health Care Administration.
Department of Public Health
Western Kentucky University
66
66
How Private HealtH
Coverage works:
a Primer
2008 UPdate
aPril 2008
How Private HealtH
Coverage works: a Primer
2008 UPdate
aPril 2008
46. TABLE OF CONTENTS
1. What is Private Health Coverage? . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . 1
Private health coverage includes employer-sponsored coverage
and coverage bought
directly by individuals (158 million and 14 million,
respectively, of the nonelderly
with private coverage in 2006).
2. How is Private Health Coverage Delivered? . . . . . . . . . . . . .
. . . . . . . . . . . . . 2
Types of Organizations That Provide Private Health Coverage .
. . . . . . . . . 2
Private health coverage is delivered through several types of
state-licensed health
insuring organizations (including commercial health Insurers,
Blue Cross and Blue
Shield plans, and health maintenance organizations (HMOs))
and through self-funded
employee health benefit plans.
Types of Private Health Plans . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . 3
Types of private health plans include health maintenance
organizations (21%),
preferred provider organizations (57%), and health savings
accounts/health
reimbursement accounts (5%), among others.
Risk Pooling, Underwriting, and Health Coverage . . . . . . . . . .
. . . . . . . . . . . 5
47. How private insurance pools and underwrites risks is discussed.
3. Regulation of Private Health Coverage . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . 8
State Regulation of Health Insurance . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . 8
Regulation of insurance has traditionally been a state
responsibility. Various state
laws affecting private health insurance are discussed, including
financial standards,
access to coverage, premiums, renewability, etc.
Federal Laws Governing Health Insurance . . . . . . . . . . . . . . . .
. . . . . . . . . . 13
A number of federal laws contain requirements for health plans,
most significantly
the Employee Retirement Income Security Act (ERISA) and the
Health Insurance
Portability and Accountability Act (HIPAA).
ERISA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . .13
HIPAA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . .17
Other Federal Laws That Affect Private Health Coverage . . . . .
. . . . . . . . . 20
4. Conclusion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . 21
1How Private HealtH Coverage works: a Primer, 2008 UPdate
48. This primer provides a basic overview of private coverage for
health care. It
begins by describing what we mean by private health coverage,
and continues with
discussions of the types of organizations that provide it, its key
attributes, and how it is
regulated. The paper addresses private health coverage
purchased by individuals and
employers; it does not address public benefit programs such as
Medicare and Medicaid.
1. What is Private Health Coverage?
Private health coverage is a mechanism for people to (1) protect
themselves
from the potentially extreme financial costs of medical care if
they become severely ill,
and (2) ensure that they have access to health care when they
need it.
Health care can be quite costly, and only the richest among us
can afford to pay
the costs of treating a serious illness should it arise. Private
health coverage products
pool the risk of high health care costs across a large number of
people, permitting them
(or employers on their behalf) to pay a premium based on the
average cost of medical
care for the group of people. This risk-spreading function helps
make the cost of health
care reasonably affordable for most people.
In addition, having an “insurance card” enables patients to
receive care in a
timely way by providing evidence to health care providers that
49. the patient can afford
treatment. Providers generally know that when they treat
people with health coverage,
they are likely to be paid for their services within a reasonable
time.
Health coverage is provided by a wide array of public and
private sources.
Public sources include Medicare, Medicaid, the State Children’s
Health Insurance
Program, federal and state employee health plans, the military,
and the Veterans
Administration.
Private health coverage is provided primarily through benefit
plans sponsored by
employers – about 158 million nonelderly people
were insured through employer-sponsored health
insurance in 2006.i People without access to
employer-sponsored insurance may obtain health
insurance on their own, usually through the
individual health insurance market, although in
some instances health insurance may be available
to individuals through professional associations or
similar arrangements. About 14 million nonelderly people
bought health insurance
directly in 2006.ii
Policy: This is the contract
between the health insuring
organization and the policyholder.
The policyholder may be an
individual or an organization, like
an employer.
50. 1
2 tHe HeNrY J. kaiser FamilY FoUNdatioN
2. How is Private Health Coverage Delivered?
Types of Organizations That Provide Private Health Coverage
Private health coverage is provided primarily by two different
types of entities:
state-licensed health insuring organizations and self-funded
employee health benefit
plans.
State-Licensed Health Insuring Organizations
State-licensed health insuring organizations, as the name
implies, are organized
and regulated under state law, although federal law adds
additional standards and in
some cases supersedes state authority. There are three primary
types of state-
licensed health insuring organizations:
Commercial health insurers. Commercial health insurers
(sometimes called
indemnity insurers) are generally organized as stock companies
(owned by
stockholders) or as mutual insurance companies (owned by their
policyholders).
A prominent example is Aetna, a stock company.
Blue Cross and Blue Shield Plans. Historically, many of these
plans were
51. organized as not-for-profit organizations under special state
laws by state
hospital (Blue Cross) and state medical (Blue Shield)
associations. These laws
differed significantly across states, sometimes imposing special
obligations or
regulatory requirements on Blue Cross and Blue Shield plans
(e.g., to insure all
applicants) and sometimes providing financial advantages such
as favorable tax
status. Today, some Blue Cross and Blue Shield plans continue
to operate
under special state laws; others are organized as commercial
health insurers.
Blue Cross and Blue Shield plans operate and are regulated in a
similar manner
to commercial insurers, although in a few states Blue Cross and
Blue Shield
plans continue to have special requirements to accept applicants
for health
insurance on a more lenient basis than is applied to other types
of insurers.
Health Maintenance Organizations (HMOs). HMOs usually are
licensed under
special state laws that recognize that they tightly integrate
health insurance with
the provision of health care. HMOs operate as insurers
(meaning they spread
health care costs across the people enrolled in the HMO) and as
health care
providers (meaning they directly provide or arrange for the
necessary health care
for their enrollees). In many states, HMO regulation is shared
by agencies that
oversee insurance and agencies that oversee heath care
52. providers.iii Prominent
examples of state-licensed HMOs include Kaiser Permanente
and Harvard
Pilgrim.
Although states tend to separately license each of these types
of entities, it is
quite common for several different health insuring organizations
to operate together
under a common corporate identity. For example, an HMO may
have one or more
2
3How Private HealtH Coverage works: a Primer, 2008 UPdate
subsidiaries that are separately licensed as commercial health
insurers, and may offer
its group customers coverage packages that permit members to
choose between the
different types of coverage.
Self-Funded Employee Health Benefit Plans
Self-funded employee health benefit plans operate under federal
law and are
health benefit arrangements sponsored by employers, employee
organizations, or a
combination of the two. Under a self-funded arrangement, the
plan sponsor assumes
the risk of providing covered services to plan enrollees by
paying directly for health care
services of the plan’s participants. In most cases, the sponsors
of self-funded health
53. plans contract with one or more third parties to administer the
plans. These contracts
are sometimes with entities that specialize in administering
benefit plans, called third-
party administrators. In other cases, sponsors contract with
health insurers or HMOs for
administrative services. The administering entity usually will
manage the health benefits
in the same way as a health insurer or HMO, but will pay for the
cost of medical care
with funds provided by the sponsor (i.e., no premium is paid).
Types of Private Health Plans
Private health plans include HMOs, Preferred Provider
Organizations (PPOs),
Point-of-Service Plans (POS), High Deductible Health Plans
combined with Health
Savings Accounts (HSA) or Health Reimbursement Accounts
(HRA), and conventional
health plans. For employer-sponsored health plans in 2007,
enrollment is highest in
PPOs (57%), followed by HMOs (21%), POS plans (13%),
Health Savings
Accounts/Health Reimbursement Accounts (or HDHP/SOs, 5%),
and conventional plans
(3%):
Distribution of Employer-Sponsored Health
Plan Enrollment for Covered Workers, by Plan
Type, 2007
Source: Kaiser/HRET Survey of Employer-Sponsored Health
Benefits, 2007.
54. 57%
21%
13%
5%
3%
PPO HMO POS HDHP/SO Conventional
3
4 tHe HeNrY J. kaiser FamilY FoUNdatioN
How Does Managed Care Fit In?
Formerly, conventional (or, indemnity) health plans were the
most common type
of health plan. These plans do not use provider networks and
require the same cost
sharing no matter which physician or hospital the patient goes
to. Over the past 20
years, health coverage providers sought to influence the
treatment decisions of health
care providers and contain costs through a variety of techniques
known as “managed
care,” including financial incentives, development of treatment
protocols, prior
authorization of certain services, and dissemination of
information on provider practice
relative to norms or best practices.
55. As managed care has become increasingly prevalent, the
distinctions between
different types of heath coverage providers have been shrinking.
Commercial health
insurers now offer coverage through networks of providers and
may establish financial
incentives similar to those traditionally used by HMOs. At the
same time, HMOs have
developed products, called point-of-service products, which
permit covered people to
elect to receive care outside of the HMO network, typically with
higher cost sharing.
Although it remains true that HMOs generally are the most
tightly managed
arrangements and most tightly integrate insurance and the
delivery of care, virtually all
private health coverage now involves some aspect of managed
care.
What is a Preferred Provider Organization?
It is common for people to believe that they are covered by a
preferred provider
organization (PPO), but these entities generally do not actually
provide health coverage.
Rather, PPOs are networks composed of physicians and other
health care providers
that agree to provide services at discounted rates and/or
pursuant to certain utilization
protocols to people enrolled in health coverage offered by a
health coverage provider.
Typically enrollees in such an arrangement are given financial
incentives – such as
lower copayments -- to use network providers.
In some cases, PPOs are freestanding networks of health care
56. providers that
contract with a number of different health coverage providers to
act as the health
coverage provider’s network in a particular area. In other
cases, a health coverage
provider may establish its own PPO network of health care
providers in a particular
area. Although some states have raised concerns about the level
of insurance risk
assumed by PPOs under some of their arrangements with health
coverage entities,
PPOs generally are not treated as health coverage providers in
most states.
What are Health Savings Accounts and Health Reimbursement
Accounts?
Changes in federal law in recent years have permitted the
establishment of new
types of savings arrangements for health care. The most
common are Health Savings
Accounts (HSAs) and Health Reimbursement Accounts (HRAs),
which are tax-exempt
accounts that can be used to pay for current or future qualified
medical expenses.
Employers may make HSAs available to their employees, and if
the employer
4
5How Private HealtH Coverage works: a Primer, 2008 UPdate
contributes to the HSA the contributions are excluded from
employee gross income.
57. Individuals can also purchase HSAs from most financial
institutions (banks, credit
unions, insurance companies, etc.). In order to open an HSA,
an individual must have
health coverage under an HSA-qualified high deductible health
plan (HDHP), which can
be provided by the employer or purchased from any company
that sells health
insurance in a state.1
HRAs are employer-established benefit plans funded solely by
employer
contributions which are excluded from employee gross income,
with no limits on the
amount an employer can contribute. HRAs are often paired
with HDHPs, but are not
required to do so.
Risk Pooling, Underwriting, and Health Coverage
As discussed above, health coverage providers pool the health
care risks of a
group of people in order to make the individual costs
predictable and manageable. For
health coverage arrangements to perform well, the risk pooling
should result in
expected costs for the pool that are reasonably predictable for
the insurer and relatively
stable over time (i.e., the average level of health risk in the pool
should not vary
dramatically from time to time, although costs will rise with
overall changes in price and
utilization).
To accomplish this, health coverage providers strive to maintain
risk pools of
58. people whose health, on average, is the same as that of the
general population. Said
another way, health coverage providers take steps to avoid
attracting a disproportionate
share of people in poor health into their risk pools, which often
is referred to as “adverse
selection.” For obvious reasons, people who know that they are
in poor health will be
more likely to seek health insurance than people who are
healthier. If a risk pool
attracts a disproportionate share of people in poor health, the
average cost of people in
the pool will rise, and people in better health will be less
willing to join the pool (or will
leave and seek out a pool that has a lower average cost). A pool
that is subject to
significant adverse selection will continue to lose its healthier
risks, causing its average
costs to continually rise. This is referred to as a “death spiral.”
_________________________
1 HSAs and HDHPs are subject to certain federal requirements.
The maximum contribution allowed from both
employer and employee to an HSA in 2008 is $2,900 for self-
only coverage and $5,800 for family coverage. In 2008,
HDHPs must have a minimum deductible of $1,100 (self-only)
and $2,200 (family); the maximum out-of-pocket limit is
$5,600 (self-only) and $11,200 (family).
5
6 tHe HeNrY J. kaiser FamilY FoUNdatioN
In practice, health coverage providers often have multiple risk
59. pooling
arrangements. They may establish separate arrangements for
different markets (e.g.,
individuals who buy insurance on their own, small businesses,
and trade associations)
and for different benefit plans within markets (e.g., plans with
different levels of
deductible). In part, this product
differentiation protects the health coverage
provider because problems in one risk
pooling arrangement will not have a direct
effect on people participating in another
pooling arrangement.
Health coverage providers use
underwriting to maintain a predictable and
stable level of risk within their risk pools and to set terms of
coverage for people of
different risks within a risk pool. Underwriting is the process
of determining whether or
not to accept an applicant for coverage and determining what
the terms of coverage will
be, including the premium. As discussed below, both state and
federal laws
circumscribe the ability of health coverage providers to reject
some applicants for
coverage or to vary the terms of coverage.
A primary underwriting decision involves whether or not the
health coverage
provider will accept an applicant for coverage. In the
individual insurance market
(where people buy insurance on their own), health coverage
providers typically
60. underwrite each person seeking to purchase coverage reviewing
the person’s health
status and claims history. If an applicant is in poor health, a
health coverage provider
(subject to state and federal law) may decide not to offer
coverage. However, in most
states, a health coverage provider also may choose to accept the
applicant but vary the
terms of coverage -- they may offer coverage at a higher than
average premium (called
a “substandard rate”), exclude benefits for certain health
conditions or body parts (called
an “exclusionary rider”), or do both. As discussed below, state
and federal laws
generally require health coverage providers to accept small
employers applying for
coverage, so the underwriting decisions are more limited to
determining the premium
and other terms of coverage (though these actions are also
limited by law in many
states).
To maintain the attractiveness of the risk pool to different
segments of the
population with different expected costs, health coverage
providers typically vary
premiums based on factors associated with differences in
expected health care costs,
such as age, gender, health status, occupation, and geographic
location. For example,
on average the expected health costs of people over age 50 are
more than twice as
much as the expected health costs of people under age 20. In
cases where the
individual is paying the full premium for coverage, health
coverage providers will want to
61. charge a higher premium to people who are older to recognize
the higher expected
costs. If premiums are not varied to account for the differences
in expected costs, the
pool may attract a disproportionate share of older, more
expensive people, raising the
average cost in the pool and making coverage in the pool less
attractive to younger
Adverse selection: People with a
higher than average risk of needing
health care are more likely than
healthier people to seek health
insurance. Adverse selection results
when these less healthy people
disproportionately enroll in a risk pool.
6
7How Private HealtH Coverage works: a Primer, 2008 UPdate
people (who would have to pay a premium that exceeded their
expected average health
care costs). This is another form of adverse selection and
would lead to a breakdown of
the risk pooling. Other examples of underwriting include health
coverage providers
charging different premiums to small employers based on the
industry of the employer
or on the employer’s prior health claims.
The most efficient and effective underwriting mechanism for
avoiding adverse
selection is to provide coverage to already formed large groups
62. of people, such as the
employees of a large employer. In such cases, the health
coverage provider knows that
the individual members of the group did not join it primarily to
get insurance, so there is
a much lower chance that the group is composed
disproportionately of people in poor
health. In these cases, the underwriting focuses on the group –
its claims history, age
distribution, industry, and geographic location – not on
individual members of the group.
Even in group underwriting situations, however, health
coverage providers need to
assure that they are not getting only those members of the group
who are in poor
health. To avoid adverse selection within the group, health
coverage providers often
limit the opportunity for employees to enroll in the plan
(typically through an annual
“open enrollment period”), require a minimum percentage of
employees to participate in
the coverage, and/or require the employer to contribute a
minimum percentage of the
premium on behalf of workers (to encourage participation).
The advantages of group underwriting break down in certain
situations. For
example, when a very small employer group (e.g., 2 to 5
employees) seeks coverage,
there is a possibility that the need for health care by one
member of the group (e.g., a
family member of the owner) is the reason that the group is
seeking coverage. A health
coverage provider in such a case may (if permitted by state law)
charge a higher
premium based on the higher risk associated with smaller
63. groups (called a “group size
factor”) or review the health status of each of the members of
the group in order to vary
the premium for the group. The higher inherent risk in
providing coverage to small
employers explains in part why a risk pool with 1000 five-
employee groups will be less
stable (and more expensive to cover) than one employer with
5000 employees.
Health coverage providers also take steps to protect themselves
from adverse
selection that may not be uncovered in the underwriting process
by excluding benefits
for a defined period of time for the treatment of medical
conditions that they determine
to have existed within a specific period prior to the beginning
of coverage. For example,
if a person seeks benefits for a chronic
condition within a few months of enrolling
for coverage, the health coverage provider
may investigate to determine if the
condition was diagnosed (or apparent)
within a defined period prior to enrollment.
If the health coverage provider determines
that the condition was diagnosed (or
apparent), it may exclude coverage of the preexisting medical
condition for a defined
period of time. Treatments for other medical conditions would
not be affected by the
Preexisting medical condition: This
is an illness or medical condition for
which a person received a diagnosis
or treatment within a specified period
of time prior to becoming insured
64. under a policy.
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8 tHe HeNrY J. kaiser FamilY FoUNdatioN
exclusion. As discussed below, state and federal law
substantially circumscribes the
applicability of preexisting condition exclusions.
3. Regulation of Private Health Coverage
This section describes the basic regulatory framework for
private health coverage
under state and federal laws.
Understanding how private health coverage is regulated is
complicated by the
overlapping state and federal requirements for health coverage
arrangements. States
generally regulate the business of insurance, including health
insurance. States license
entities that offer private health coverage and have established
laws that control the
legal structure of insurers, their finances, and their obligations
to the people that they
insure. At the same time, a number of federal laws also
regulate private health
coverage. The most important of these laws, the Employee
Retirement Income Security
Act of 1974 (ERISA), establishes standards for employee
benefit plans (including
benefit plans providing medical care) established or maintained
by an employer or an
65. employee organization (i.e., a union). Since the vast majority
of Americans with private
health coverage receive it through employee benefit plans,
understanding the
interaction between federal and state laws is essential to
understanding how private
health coverage operates.
Unfortunately, this interaction is messy. In some cases, ERISA
requirements
coexist with state law and, in other cases, ERISA requirements
preempt state law. And,
precisely when ERISA preempts state laws is still the matter of
much litigation, even
though ERISA was passed over 30 years ago. Important
interactions between state
and federal law also occur under the Health Insurance
Portability and Accountability Act
of 1996 (HIPAA).
This section begins with a general description of how states
regulate health
insurance and continues with a general description of the
applicable provisions of
ERISA and HIPAA and their interaction with state law and state
oversight of state-
licensed health insuring organizations.
State Regulation of Health Insurance
The regulation of insurance has traditionally been a state
responsibility. In 1945,
Congress enacted the McCarran-Ferguson Act,iv which clarified
federal intent that
states have the primary role in regulating the business of
insurance.2
66. _________________________
2 The McCarran-Ferguson Act was enacted in response to the
U.S. Supreme Court's decision in United States v.
South-Eastern Underwriters Assn., 322 U.S. 533 (1944), which
held that insurers that conducted a substantial part of
their business across state lines were engaged in interstate
commerce and thereby were subject to federal antitrust
laws. State and industry concern over the effect of the decision
on state authority over insurance lead Congress to
8
pass the McCarran-Ferguson Act to restore the primary role of
states in regulating the business of insurance. See
United States Department of Treasury v. Fabe, 508 U.S. 491,
499 (1993).
9How Private HealtH Coverage works: a Primer, 2008 UPdate
State regulation of health and other insurance starts with the
licensing of entities that
sell insurance within the state. The licensing process reviews
the finances,
management, and business practices
of the insuring entity to evaluate
whether it can provide the coverage
that is promised to policyholders.
States establish requirements for
state-licensed health insuring
organizations in a number of areas to
protect the people that they cover.
States also license the insurance
producers (e.g., agents, brokers) who
67. sell health insurance within the state.
The discussion below
describes the types of insurance laws
that states have typically enacted,
though the content and extent of
regulation in these areas varies
among the states, sometimes significantly.
Financial Standards
State financial standards include requirements for minimum
capital, investment
practices, and the establishment of claims and other reserves.
States require state-
licensed health insuring organizations to submit quarterly and
annual financial
statements, and also perform periodic on-site financial
examinations to ensure that
state-licensed health insuring organizations remain financially
viable.
Market Conduct
State market conduct standards include requirements relating to
claims
practices, underwriting practices, advertising,
marketing (including licensing of insurance
producers), rescissions of coverage, and timely
payment of claims. States generally have laws
giving them authority to address unfair trade and
unfair claims practices, and perform periodic
market conduct examinations of state-licensed
health insuring organizations to review business
practices.
68. Minimum capital requirements: These are
requirements of state law that set a minimum
amount of net worth that an insuring
organization must have in order to operate.
This minimum amount must be unencumbered
– i.e., it must be available to pay for claims.
The amount varies with the type of insurance
that is being sold by the insurer (e.g., life,
health, auto, workers compensation).
Relatively recent state laws establishing "risk-
based" capital requirements relate minimum
capital requirements to insurers' risk exposure
and business practices. For example, an HMO
may have lower minimum capital requirements
than an indemnity health insurer because the
HMO has additional tools to manage risk.
Guaranty fund: This is a funding
mechanism established under state
law to pay the claims of insurers that
become insolvent. The funds to pay
claims generally are provided by
assessing other insurers that provide
coverage in the state.
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10 tHe HeNrY J. kaiser FamilY FoUNdatioN
Policy Forms
Policy forms are the pieces of paper that establish the
contractual relationship
between the health insuring
69. organization and the purchaser. State
standards for policy forms address the
content of the form -- including required
and prohibited contract provisions and
standard definitions and terminology --
as well as how they are issued to
purchasers. In some cases, states
review or approve policy forms,
although these practices vary by type of
purchaser and by state.v States most
often review or approve policies that
are offered directly to consumers or to
small employers; larger purchasers are presumed to be
sophisticated buyers that need
less protection.
Access to Coverage and Required Benefits
State standards relating to access address when, and on what
terms, state-
licensed health insuring organizations must accept an applicant
for coverage. Most
states have laws that require state-licensed health insuring
organizations to provide
coverage to small employers that want
it, with some limitation on the rates that
can be charged (e.g., restrictions on
how premiums can vary based on age
and health status). Fewer states apply
these types of rules to the individual
insurance market, where people buy
coverage on their own rather than
through an employer. Federal law also
includes requirements for access to
coverage, as discussed under HIPAA
70. below.
All states also have laws that
require state-licensed health insuring
organizations selling health coverage to offer or include
coverage for certain benefits or
services (known as “mandated benefits”), including items such
as mental health
services, substance abuse treatment, and breast reconstruction
following mastectomy.
The number and type of these mandates varies considerably
across states. Federal
law also includes certain mandated benefits, as discussed under
HIPAA below.
Policy form: This is a representative
contract of the policies that health insuring
organizations offer to policyholders. Health
insuring organizations will have different
policy forms representing different
configurations of benefits and different types
of customers (e.g., individuals or small
groups). In some states, health insuring
organizations have to file the policy forms
that they offer to certain types of customers
with the insurance department.
Guaranteed issue or guaranteed
availability of coverage: This is a
requirement that insurers accept specified
applicants for coverage, generally without
regard to their health status or previous
claims experience. For example, health
insuring organizations generally are
required by state and federal law to issue
coverage to small employers that apply.
71. Separate provisions of law generally
address the extent to which health insuring
organizations can vary premiums based
on health status, claims experience, or
other factors.
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11How Private HealtH Coverage works: a Primer, 2008 UPdate
State standards also address the ability of state-licensed health
insuring
organizations to offer restricted coverage to people with
preexisting health problems.
As discussed above, health coverage providers generally
exclude benefits for a defined
period of time for treatment of medical conditions that they
determine to have existed
within a specific period prior to the beginning of coverage.
States set standards for how
these limitations can be structured, and generally limit the
application of such exclusions
under group policies when people are switching from one health
coverage to another
(often called “portability” protection). Federal law also ensures
this type of portability, as
discussed under HIPAA below.
Premiums
State standards for premiums
address the cost of insurance to
consumers, both initially and when
coverage is renewed. The degree of
72. regulation varies by type of purchaser and
by state. For health coverage offered
directly to individuals, many states establish
minimum loss ratios (the percentage of
premium that must be paid out in claims rather than for
administrative costs or profits)
and also reserve the right to review or approve the rates
submitted by state-licensed
health insuring organizations.vi State standards generally
require that rate variations
(e.g., variations due to age, gender, location) be actuarially fair
(meaning that they are
based on true variations in health costs). Some states further
limit the rights of insurers
to vary premiums
for individual
policyholders by
age or health
status (often
referred to as
“rate band” or
“community
rating”). Health
coverage sold to
small employers
also is regulated,
but the regulation
tends to focus
more on limiting
the extent to
which the rates
offered to a small employer can reflect the claims experience or
health status of workers
in the group.
Rate bands: These are laws that restrict the difference between
73. the
lowest and highest premium that a health insuring organization
may
charge for the same coverage. For example, a rate band may
specify
that the highest rate a health insuring organization may charge
for a
policy may be not more than 150 percent of the lowest rate
charged for
the same policy. The rate bands may limit all factors by which
rates
vary (e.g., age, gender), or may apply only to specified factors,
such as
health status or claims experience.
Community rating: This is a rating method under which all
policyholders are charged the same premium for the same
coverage.
"Modified community rating" generally refers to a rating
method under
which health insuring organizations are permitted to vary
premiums for
coverage based on specified demographic characteristics (e.g.,
age,
gender, location) but cannot vary premiums based on the health
status
or claims history of policyholders.
Loss ratio: This is the ratio of benefits
paid to premiums. Loss ratios can be
calculated for a particular policy form, for a
line of business (e.g., small group health
insurance), or a health insuring
organization's overall business. Minimum
loss ratios for established by law or
regulation typically apply to a policy form.
74. 11
12 tHe HeNrY J. kaiser FamilY FoUNdatioN
Renewability
Health coverage is generally provided for a limited period
(typically one year),
and state requirements address the
extent to which a purchaser has a right
to renew the policy for another year
without being reevaluated for coverage.
Federal law also is important in this
area, and is discussed under HIPAA,
below.
State standards also address the ability of individuals covered
under group
policies to continue coverage if the group policyholder cancels
the coverage or the
person is no longer part of the group. Standards in some states
permit these people to
continue coverage or to convert to individual insurance in some
instances. The
requirements for terms of coverage and rates vary substantially
across states. Federal
law (often referred to as “COBRA” continuation) provides
similar protection to
individuals with employer-sponsored coverage, as discussed
under ERISA, below.
HMOs, Managed Care, and Network Arrangements
75. States for many years have had separate standards for HMOs,
recognizing their
dual roles as providers and insurers of health care. State HMO
standards, in addition to
addressing typical insurance topics such as finances, claims
administration, policy
forms, and minimum benefits, also establish standards that
affect HMOs as entities that
directly deliver health care and closely manage the health care
use of those they insure.
Such state standards include requirements relating to the
establishment of utilization
review and quality assurance programs, the establishment of
enrollee grievance
processes, and the contents of contracts with participating
health care providers.
As the use of managed care has proliferated among non-HMO
state-licensed
health insuring organizations (e.g., insurers offering PPO-type
coverage), and as
managed care practices have become more controversial with
the general public, states
have extended HMO-type standards to other entities offering
managed care and have
generally increased their regulatory scrutiny in this area.
Standards relating to network
adequacy (e.g., the number, location, and types of physicians),
utilization review
practices, credentialing of participating health care providers,
and quality assessment
and improvement have recently been adopted in a number of
states.
Complaints, Remedies, and Appeals
76. States also have laws and regulations that assist people who do
not receive the
benefits that they believe are covered under their health plans.
States receive
consumer complaints, and in some cases are able to act as
intermediaries to resolve
specific conflicts between consumers and health coverage
providers. The receipt of a
Guaranteed renewability: This is a
provision of an insurance policy or law
which guarantees a policyholder the right to
renew their policy when the term of
coverage expires. The health insuring
organization generally is permitted to
change the premium rates at renewal.
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13How Private HealtH Coverage works: a Primer, 2008 UPdate
large number of complaints about a particular health coverage
provider also may alert
regulators to more pervasive market conduct abuses and trigger
a broader review of
marketing or claims practices.
State law also generally permits people who feel aggrieved by a
state-licensed
health coverage provider to seek redress through a lawsuit.
Such suits may be brought
under the contract for coverage, tort, or in some cases under
special state insurance
laws (such as unfair claims practices laws). For example,
77. HMOs and other managed
care arrangements may be sued under state medical malpractice
laws if their delivery of
health care does not meet ordinary standards of care. Under
state law, a person
covered by a health insurance policy also generally can sue the
insurer if benefits are
not delivered as promised and the failure to deliver the benefits
was negligent and the
proximate cause of the person’s injury. In some cases where
the aggrieved person is
covered under an employee benefit plan, however, ERISA
preempts the person’s right
to bring certain types of lawsuits. This interaction between
state and federal law is
discussed in more detail under ERISA, below.
In the last few years, most states have adopted standards that
provide for an
independent, external party to review certain benefit decisions
made by state-licensed
health coverage providers. For example, these states permit a
covered person to
appeal a decision by a health coverage provider that denies a
benefit because it was
not medically necessary or because it was experimental. The
types of claims that are
subject to review, who the reviewers are, and the procedures for
requesting a review
vary substantially across the states. There also is a question as
to whether ERISA
preempts state external appeal laws as they apply to benefit
decisions for people
covered under an employee benefit plan (as discussed under
ERISA, below).
78. Federal Laws Governing Health Insurance
Although the business of insurance is primarily regulated by
the states, a number
of federal laws contain requirements that apply to private health
coverage, including
ERISA, HIPAA, the Americans with Disabilities Act, the
Internal Revenue Code, the Civil
Rights Act, the Social Security Act (relating to private coverage
that supplements
Medicare), and the Gramm-Leach-Bliley Act (relating to
financial services and bank
holding companies). The discussion below focuses on two of
these laws, ERISA and
HIPAA, because of the significant impact that they have on the
structure of private
health coverage. Other Federal laws that affect private health
coverage are then
discussed.
ERISA (Employee Retirement Income Security Act)
ERISAvii was enacted in 1974 to protect workers from the loss
of benefits
provided through the workplace. The requirements of ERISA
apply to most private
employee benefit plans established or maintained by an
employer, an employee
organization (such as a labor union), or both (referred to here
generally as “plan
13
14 tHe HeNrY J. kaiser FamilY FoUNdatioN
79. sponsors”). Employee benefit plans that provide medical
benefits (and other non-
pension benefits) are referred to as “employee welfare benefit
plans.”
ERISA does not require employers or other plan sponsors to
establish any type
of employee benefit plan, but contains requirements applicable
to the administration of
the plan when a plan is established. Thus, employers remain
essentially free to decide
if they want to offer health benefits at all and, if so, what level
of benefits and the
amount of coverage they will provide.
The important requirements for employee welfare benefit plans
include:
Written document. ERISA requires that an employee benefit
plan be
established and
maintained pursuant to a
written document, which
must provide for at least
one “named fiduciary” who
has authority to manage
and administer the plan.
Disclosure requirements. ERISA requires the administrator of
an employee
welfare benefit plan to provide a summary plan description
(SPD) to people
covered under the plan (called participants and beneficiaries).
The SPD must
clearly inform participants and beneficiaries of their benefits
80. and obligations
under the plan and of their rights under ERISA. The SPD must
include
information about how to file a claim for benefits and how a
denial of a claim can
be appealed.
Reporting requirements. ERISA requires administrators of
certain employee
benefit plans to file annual reports describing the operations of
the plan. Reports
are filed with the Internal Revenue Service, which forwards the
information to the
Department of Labor. Certain types of employee welfare
benefits plans (e.g.,
those with fewer than 100 participants and are self-funded, fully
insured, or both)
are not required to file a report.
Fiduciary requirements. ERISA establishes standards of fair
dealing for
“fiduciaries” who exercise discretion or control in the
management of an
employee benefit plan or in the management or disposition of
the assets of an
employee benefit plan. ERISA fiduciaries may be corporate
entities or
individuals and may include, for example, plan trustees, plan
administrators, or
members of a plan’s investment committee. ERISA requires
that employee
benefit plans have at least one “named fiduciary” who is
responsible for
Fiduciary: This generally refers to a person
who manages funds or benefits for another. A
81. fiduciary acts in a position of trust and generally is
required to act in the best interests of the
beneficiary. Under ERISA, a fiduciary is a person
who exercises discretion or control in the
management of an employee benefit plan or in the
management or disposition of the assets of an
employee benefit plan.
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15How Private HealtH Coverage works: a Primer, 2008 UPdate
administration and operation of the plan. The plan documents
may designate
additional fiduciaries.
ERISA requires plan fiduciaries to carry out their
responsibilities “solely in the
interest of (plan) participants and beneficiaries and for the
exclusive purpose of
providing benefits . . . and defraying reasonable expenses of
administering the
plan.”viii ERISA also requires plan fiduciaries to act with the
same skill, care,
prudence, and diligence that a prudent person would use in like
circumstances,
and to carry out their responsibilities in accord with the lawful
provisions of the
plan documents.
Claims for benefits. ERISA requires employee benefit plans to
maintain
procedures for claiming benefits under the plan and to inform
82. participants and
beneficiaries of the procedures. Employee benefit plans must
also have a
procedure permitting participants and beneficiaries to appeal a
denial of benefits
to a fiduciary. Department of Labor regulations made
substantial changes to
requirements for these procedures, including minimum
standards for claims
procedures, processes for appeal of denied claims, timeframes
for plans to make
decisions on claims for benefits and on appeals of denials of
claims, and greater
disclosure of information by insurers to claimants, effective for
plan years after
July 2002.ix
Remedies and enforcement. ERISA contains civil enforcement
provisions that
permit participants and beneficiaries to bring actions to obtain
benefits due to
them under an employee benefit plan, for redress of fiduciary
breaches, to stop
practices that violate ERISA or the provisions of the employee
benefit plan, or for
other appropriate equitable relief. Courts may award reasonable
costs and
attorney fees to participants and beneficiaries who prevail.
ERISA does not,
however, provide a remedy to recover economic or non-
economic (e.g., pain and
suffering) damages that may result from improper claims
denials, fiduciary
breaches, or other improper acts. ERISA also contains other
civil and criminal
penalties for violations of its provisions.
83. Continuation coverage. As amended by the Consolidated
Omnibus Budget
Reconciliation Act of 1985 (COBRA), ERISA requires plan
sponsors that employ
20 or more employees to offer continuation coverage to
qualified beneficiaries
(including dependents) who lose health coverage under an
employee benefit
plan for certain specified reasons (e.g., death of an employee,
termination of
employment, divorce, or legal separation). ERISA requires the
plan sponsor to
notify individuals of their right to continuation coverage and
addresses the
benefits that must be offered, the period that qualifying
individuals are eligible for
continuation coverage, and premium that they must pay.
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ERISA Interaction With State Law
How ERISA interacts with state law is quite complex and has
generated
numerous court cases which, in the absence of clarifying federal
legislation, have
determined whether federal or state law pertains to employee
benefit plans. As a
general matter, ERISA preempts state laws that would regulate
the operation of
employee benefit plans, affecting several aspects of the
84. regulation of these plans.
ERISA contains an express provision that preempts state laws
that “relate to” an
employee benefit plan.x In applying the term “relates to,”
courts have looked to whether
the state law in question has a “connection with or reference to”
an employee benefit
plan.xi 3 For example, state laws that prohibited garnishment
of benefits provided under
an employee benefit plan or that required employers to maintain
existing health
coverage for employees who are eligible for workers
compensation benefits have been
found to be preempted by ERISA.xii State laws of general
applicability, however, are not
preempted merely because they impose some burdens on an
ERISA plan. For
example, a state law that imposes a surcharge on hospitals bills
was found not to be
preempted as applied to hospitals owned by an employee benefit
plan.xiii
The ERISA preemption provision has an exception that saves
from preemption
those state laws that regulate insurance. This “saving”
provision permits states to
continue to apply their insurance laws to insurers, including
state-licensed health
insuring organizations, even when they provide coverage to or
under an employee
benefit plan. State insurance laws can be saved because, in the
case of plans that buy
insurance as opposed to self funding, the state laws regulate the
insurance products
sold to the ERISA plans, rather than the plans themselves.
85. The saving clause thus allows states to set standards for ERISA-
governed
employer-sponsored health benefits in those situations in which
employers buy health
insurance rather than buying just the administrative services of
a health benefits
services company for their self-funded plans. For example,
state laws that mandate the
inclusion of certain benefits in health insurance contracts are
saved from preemption,
even though application of the law affects the benefits provided
under an employee
benefit plan.xiv Similarly, a state insurance law that prohibits
insurers from automatically
denying a claim for benefits because it is not filed in a timely
manner is saved from
preemption because the law regulates insurance, even though
the application of the law
affects the administration of an employee benefit plan.xv A
state law requiring managed
care plans to permit all willing providers to participate in their
networks is saved from
preemption by applying the standards of whether the state law is
specifically directed
toward the insurance industry and whether is substantially
affect the risk-pooling
_________________________
3 The U.S. Supreme Court expressed concern about the
unhelpful nature of the preemption language in ERISA, and
has stated that in looking at whether a state law is preempted it
"must go beyond the unhelpful text and the frustrating
difficulty of defining its key term, and look instead to the
objectives of the ERISA statute as a guide to the scope of
the state law that Congress understood would survive." New
86. York State Conference of Blue Cross & Blue Shield
Plans v. Travelers Insurer. Co., 514 U.S. 645, 656 (1995).
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17How Private HealtH Coverage works: a Primer, 2008 UPdate
arrangement between the insurer and the insured.xvi State laws
that simply apply to
insurers, however, but which do not primarily regulate the
business of insurance, are not
saved from preemption.
Although the ERISA preemption provision saves state laws that
regulate
insurance, ERISA prohibits states from “deeming” employee
benefit plans to be
insurers. This provision prohibits states from treating employee
benefit plans (i.e., self-
funded employee plans) as insurers and attempting to regulate
them directly under their
insurance laws.xvii
As a practical matter under ERISA, states can continue to
regulate the insurance
activities of state-licensed health insuring organizations that
provide health coverage to
an employee benefit plan established by an employer or other
plan sponsor. States
generally cannot, however, regulate the content or activities of
self-funded employee
benefit plans. States also cannot indirectly regulate the
practices of employee benefit
87. plans by trying to regulate how third parties, including state-
licensed health insuring
organizations, provide administrative services to self-funded
employee benefit plans.
As an example, states can require insurance companies and
HMOs to include coverage
for specified benefits (e.g., mental health services) in the
policies they sell. Any
employer or individual purchasing insurance coverage would
therefore have to
purchase a policy that included those benefits. States cannot,
however, require self-
funded employer plans to offer any specified benefits.
Another area of ERISA preemption involves the civil remedies
available to
participants and beneficiaries relating to a claim for benefits.
As discussed above,
ERISA provides a limited set of civil remedies to participants
and beneficiaries. The
courts have determined that these remedies are the exclusive
remedies available to
participants and beneficiaries to contest a denial of benefits
under an employee benefit
plan. State laws that provide for causes of action against the
administrator or another
fiduciary of an employee benefit plan (e.g., for breach of
contract or tort) are preempted
if they could have been brought under the civil enforcement
provisions of ERISA.xviii
The Supreme Court has determined that “any state-law cause of
action that duplicates,
supplements, or supplants the ERISA civil enforcement remedy
conflicts with the clear
congressional intent to make the ERISA remedy exclusive and
is therefore pre-
88. empted.”xix xx
HIPAA (Health Insurance Portability and Accountability Act)
A second federal law that established important regulatory
requirements for
private health coverage is HIPAA, enacted in 1996. HIPAA was
motivated by concern
that people face lapses in coverage when they change or lose
their jobs. As discussed
above, health coverage providers often exclude benefits for
preexisting health
conditions for new enrollees. HIPAA also addressed other
concerns of federal
policymakers about private health coverage.
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HIPAA and related standards address several areas, including:
portability,
access to coverage, renewability, nondiscrimination, and
mandated benefits. The
standards established by HIPAA vary by market segment (e.g.,
large group, small
group, or individual coverage) and by type of coverage
provider. HIPAA creates
separate but similar standards for state-licensed health insuring
organizations and
employee welfare benefit (i.e., ERISA) plans. Generally, the
provisions applicable to
employee welfare benefit plans and plan sponsors are
89. incorporated into ERISA and into
the Internal Revenue Code, and the provisions applicable to
state-licensed health
insuring organizations are incorporated into the Public Health
Service Act. In addition,
the HIPAA standards that create individual rights (e.g.,
portability) and that are
applicable to state-licensed health insuring organizations
providing health coverage to
employee benefit plans also are incorporated into ERISA and
the Internal Revenue
Code. Three federal agencies – the U.S. Departments of Labor,
Health and Human
Services, and Treasury -- coordinate rulemaking under
HIPAA.xxi
Preexisting condition exclusions and portability. As discussed
above, some
private health coverage excludes benefits for treatment of
preexisting medical
conditions for defined period of time after initial enrollment.
HIPAA requires
state-licensed health insuring organizations providing group
coverage and
employee welfare benefit plans providing health benefits to
limit preexisting
condition exclusion periods to no more than 12 months (18
months for late
enrollees unless they enroll under special circumstances). The
preexisting
condition exclusion applies only to conditions for which
medical advice,
diagnosis, care, or treatment was recommended or received
within the 6 months
before the enrollment date. For eligible individuals leaving
group coverage for
90. another group plan, any preexisting condition exclusion period
must be reduced
by the number of days that a newly enrolling person was
previously covered by
public or private health coverage; the time between lapse of the
previous
coverage and enrollment in the new coverage must be shorter
than 63 days.
Access to coverage. HIPAA requires state-licensed health
insuring
organizations to make all of their small group products
available to any qualifying
small employer that applies, regardless of their claims
experience or of the health
status of their employees. Under HIPAA, a small employer is
defined as having
2 to 50 employees. HIPAA does not have standards for the
premium that can be
charged to small employers seeking coverage, although, as
discussed above,
most states have laws that limit rate variation in the small group
market.
HIPAA also requires state-licensed health insuring
organizations to accept
certain people leaving group health coverage for coverage in the
individual
market regardless of their health status and without any
exclusion period for
preexisting medical conditions. To be eligible, the person must
not be eligible for
other public or private group health coverage, must have been
previously covered
for a period of at least 18 months, must apply for the individual
coverage within 63
91. days of leaving the group coverage, and must have exhausted
any federal or
state continuation rights under their group policy. States are
provided substantial
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19How Private HealtH Coverage works: a Primer, 2008 UPdate
flexibility in determining the mechanism for making coverage
available to eligible
people. For example, in most states, eligible people are
guaranteed access to
coverage in the state’s high-risk pool; private insurers are not
required to sell
coverage to them. HIPAA generally does not regulate the
premiums that people
can be charged for the coverage that is offered under
HIPAA.xxii
Renewability. HIPAA requires state-licensed health insuring
organizations and
certain employee benefit plans that provide benefits to multiple
employers to
guarantee that the coverage can be renewed at the end of the
period of
coverage. This protection generally means that group (either
small or large) or
individual coverage cannot be terminated by the health coverage
provider except
in cases such as nonpayment of premium and fraud. HIPAA,
however, does not
have standards for the premiums that may be charged at
92. renewal.
Nondiscrimination. HIPAA prohibits state-licensed health
insuring
organizations providing group coverage and employee welfare
benefit plans
providing health benefits from considering the health status of a
member of the
group in determining the member’s eligibility for coverage,
premium contribution,
or cost-sharing requirements. Final 2006 rules clarified the
exception for
wellness programs (programs of health promotion or disease
prevention),
specifying the circumstances under which wellness programs
can discriminate
based on health status-related factors.xxiii A more recent
clarification provided
that supplemental coverage (including benefits under a wellness
program, such
as a reduced premium for nonsmokers) cannot discriminate on
the basis of
health factors unless specified criteria are met.xxiv
HIPAA was structured in a way that reasonably clearly
delineates the state and
federal roles in enforcing its standards. As described above,
HIPAA standards
applicable to employee welfare benefit plans and plan sponsors
are incorporated into
ERISA and the Internal Revenue Code, and are enforced by the
U.S. Departments of
Labor and Treasury. Standards applicable to state-licensed
health insuring
organizations generally are incorporated into the Public Health
Services Act, and are
93. under the jurisdiction of the U.S. Department of Health and
Human Services (DHHS).4
HIPAA provides however, that if a state’s law establishes
standards for state-licensed
health insuring organizations that are at least as stringent as the
HIPAA standard, the
state is the primary enforcer of the standard, with DHHS having
authority to enforce the
standard if the state does not. Where a state’s laws do not
contain a standard at least
as stringent as the HIPAA standard, enforcement falls to DHHS.
_________________________
4 As discussed above, standards for some HIPAA provisions
applicable to state-licensed health insuring
organizations providing coverage to employee benefit plans also
are incorporated in ERISA, and
individuals may bring actions under ERISA to enforce those
standards.
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Although HIPAA establishes generally clear federal and state
enforcement
responsibilities, in practice there have been some difficulties.
The test for when a state
assumes enforcement responsibility is conducted separately for
each different standard
under HIPAA, which can lead to a patchwork of federal and
state enforcement