NCBI Bookshelf. A service of the National Library of Medicine, National Institutes of Health.
Institute of Medicine (US) Roundtable on Value & Science-Driven Health Care; Yong PL, Olsen LA, McGinnis
JM, editors. Value in Health Care: Accounting for Cost, Quality, Safety, Outcomes, and Innovation.
Washington (DC): National Academies Press (US); 2010.
5 Approaches to Improving Value—Provider and Manufacturer
Payments
INTRODUCTION
Payment design, coverage policies, reimbursement rules, and other financial incentives and
disincentives are powerful motivators when attempting to steer the healthcare system toward
more desirable care patterns (Guterman et al., 2009). Experiments with payment design and
coverage and reimbursement policies are currently going on in both public and private healthcare
sectors, with varying results. Speakers in this session of the workshop explored current payment
design experiments and discussed the efficacy of utilizing these reimbursement tools to improve
the value received from health care.
In this chapter, Carolyn M. Clancy details the pay-for-performance (P4P) model, an effort to
more explicitly link provider payments to quality of care. She highlights the lack of coherent
approaches to P4P and the variable success this approach has had in fundamentally changing
provider practice patterns. For example, while financial incentives for individual physicians have
shown that P4P can induce quality improvements for diabetic patients (Beaulieu and Horrigan,
2005), group-level incentives have had no impact on mammography screening or hemoglobin A
testing rates (Rosenthal et al., 2005). After underscoring that the current incentive system and
healthcare infrastructure fail to accommodate the achievement of real efficiency and quality, she
outlines recommendations for rethinking medical training, measurement, system design, and the
reward system.
Building on Clancy’s recommendations, Donald A. Sawyer identifies how the current healthcare
system stymies innovation in product development. He suggests refocusing the myopic view of
innovation on the horizon of long-term health improvements and financial savings. Reed V.
Tuckson discusses the alignment of manufacturers, technologists, payers, patients, and providers
necessary to establish a system that continues to provide incentives for innovation and maintains
an open market for the development of promising but unproven interventions. He elaborates
specifically on a joint effort between UnitedHealth Group and the American College of
Cardiology to develop appropriateness criteria for cardiac single-photon emission computed
tomography myocardial perfusion imaging—a new and very expensive technology—based on
best evidence as an example of how the interests of diverse stakeholder groups could be aligned.
In conclusion, Steven D. Pearson likens coverage and reimbursement tools to a blunt knife that
lacks subtlety in effecting value improvements, bu ...
Health Economics In Clinical Trials - Pubricapubrica101
Pubrica specializes in Health Economics in Clinical Trials, offering comprehensive support to ensure the economic aspects of your trial are effectively managed. From cost-effectiveness analysis to budgeting and reimbursement strategies, we help you optimize the economic outcomes of your trial. With Pubrica's expertise, you can navigate the complex landscape of health economics in clinical trials with confidence.
For more information, please refer to our service- https://pubrica.com/blog/research/health-economics-in-clinical-trials/ & Order now - https://pubrica.com/order-now/
Contact Our UK Medical Author’s;
Our email id – sales@pubrica.com
Contact No. +91 9884350006
mHealth Israel_Dr Dana Safran_Payment Reform Successes and Challenges_Nov 25,...Levi Shapiro
Presentation for mHealth Israel by Dr Dana Safran, SVP, Performance Measurement and Improvement at Blue Cross Blue Shield of Massachusetts, about "Payment Reform Successes and Challenges", with an emphasis on lessons learned from their Alternative Quality Contract (AQC)
Assessment 1• Proposing a New InitiativeResearch an economic.docxgalerussel59292
Assessment 1
• Proposing a New Initiative
Research an economic opportunity that might be available within your health care setting that will provide ethical and culturally equitable improvements to the quality of care. Then, write a 2–4-page proposal for an initiative to take advantage of that opportunity, supported with economic data and an analysis of the prospective benefits.
Note: Each assessment in this course builds upon the work you have completed in previous assessments. Therefore, you must complete the assessments in the order in which they are presented.
Master's-level health care practitioners are charged with the responsibility of constantly scanning the external environment for shifts in the supply of, and demand for, services. Concurrently, leaders must examine their organization's strategic direction and determine whether adjustments must be made to current service offerings, whether equipment updates are needed, whether staffing models should be changed, and whether other decisions must be made. Each decision that is proposed must be evaluated in terms of the organization as a system, alignment with the organization's mission and strategy, available internal resources, potential contract and payer source implications, and the short- and long-term economic effects at both the micro and macro levels.
Health Care Supply and Demand
The following multimedia animation illustrates elastic and inelastic demand curves, with changes in price.
Medical Care Demand Elasticities.
The following multimedia simulation presents the many concerns of stakeholders about the potential effects on an existing hospital system of a proposed mobile clinic for veterans with PTSD.
Vila Health: A New Mobile Clinic.
The following multimedia self-check activities will aid you in defining terms commonly used in discussions of health care economics.
The Demand for Health.
U.S. Health Care System Issues.
Understanding supply and demand in health care can be crucial to effective cost management and fiscal responsibility. This author explains the concept well by the use of examples and strategies for success.
Indresano, R. (2016). How to rebalance the supply-demand scales in healthcare. Retrieved from https://www.beckershospitalreview.com/patient-engagement/how-to-rebalance-the-supply-demand-scales-in-healthcare.html
The following article addresses the how and why behind the concept of spending efficiently in health care organizations. Examining the costs and benefits of economic opportunities is the key to success for leaders that know how to do more with less.
Doi, S., Ide, H., & Takeuchi, K., Fujita, S., & Takabayashi, K. (2017). Estimation and evaluation of future demand and supply of healthcare services based on a patient access area model. International Journal of Environmental Research and Public Health, 14(11), 1367–1381.
Health Care Costs
The following article provides a good example of the impact that the current health care environme.
EDM ForumEDM Forum CommunityeGEMs (Generating Evidence & M.docxgreg1eden90113
EDM Forum
EDM Forum Community
eGEMs (Generating Evidence & Methods to
improve patient outcomes) Publish
4-20-2017
Reducing Healthcare Costs Through Patient
Targeting: Risk Adjustment Modeling to Predict
Patients Remaining High-Cost
Jonathan A. Wrathall
Intermountain Healthcare, [email protected]
Tom Belnap
Intermountain Healthcare, [email protected]
Follow this and additional works at: http://repository.edm-forum.org/egems
Part of the Other Medicine and Health Sciences Commons, and the Social Statistics Commons
This Methods Case Study is brought to you for free and open access by the the Publish at EDM Forum Community. It has been peer-reviewed and
accepted for publication in eGEMs (Generating Evidence & Methods to improve patient outcomes).
The Electronic Data Methods (EDM) Forum is supported by the Agency for Healthcare Research and Quality (AHRQ), Grant 1U18HS022789-01.
eGEMs publications do not reflect the official views of AHRQ or the United States Department of Health and Human Services.
Recommended Citation
Wrathall, Jonathan A. and Belnap, Tom (2017) "Reducing Healthcare Costs Through Patient Targeting: Risk Adjustment Modeling to
Predict Patients Remaining High-Cost," eGEMs (Generating Evidence & Methods to improve patient outcomes): Vol. 5: Iss. 2, Article 4.
DOI: https://doi.org/10.13063/2327-9214.1279
Available at: http://repository.edm-forum.org/egems/vol5/iss2/4
Reducing Healthcare Costs Through Patient Targeting: Risk Adjustment
Modeling to Predict Patients Remaining High-Cost
Abstract
Context: The transition to population health management has changed the healthcare landscape to identify
high risk, high cost patients. Various measures of patient risk have attempted to identify likely candidates for
care management programs. Pre-screening patients for outreach has often required several years of data.
Intermountain Healthcare relied on cost-ranking algorithms which had limited predictive ability. A new risk-
adjusted algorithm shows improvements in predicting patients’ future cost status to facilitate identifying
patient eligibility for care management.
Case Description: A retrospective cohort study design was used to evaluate high-cost patient status for two
of the next three years. Modeling was developed using logistic regression and tested against other decision tree
methods. Key variables included those readily available in electronic health records supplemented by
additional clinical data and estimates of socio-economic status.
Findings: The risk-adjusted modeling correctly identified 79.0% of patients ranking among the top 15% of
costs in one of the next three years. In addition, it correctly estimated 48.1% of the patients in the top 15% cost
group in two of the next three years. This method identified patients with higher medical costs and more
comorbid conditions than previous cost-ranking methods.
Major Themes: This approach improves the predictive accuracy of identifying high cost patients in the future
.
ECO/561 Week 5 Assignment Rubric
Individual Assignment: Effectiveness of the Counter-Cyclical PoliciesPurpose of Assignment
This assignment addresses how both monetary and fiscal policies have been used during the so-called Great Recession, which began in December 2007 and ended in June 2009, to the present to moderate the business cycle. Resources Required
Tutorial help on Excel® and Word functions can be found on the Microsoft® Office website. There are also additional tutorials via the web offering support for Office products.Grading Guide
Content
Met
Partially Met
Not Met
Comments:
Selected an industry that suffered heavy losses during the Great Recession and produced an Excel® Workbook including the following data from December 2007 to the present:
· One dataset related to the U.S. housing industry such as housing starts, the FHFA housing price index, or another dataset of your choice related to the housing market.
· One dataset related to personal or household income or to personal or household saving.
· One dataset related to the labor market such as the unemployment rate, initial claims for unemployment insurance, or another dataset of your choice related to the U.S. labor force.
· One dataset related to production and business activity within the market or industry you choose to analyze.
15 points
Using data results analyzed the economic and sociological forces that drove the market equilibrium to unsustainable heights, commonly referred to as "bubbles," and the shocks that brought the markets back down.
10 points
Discussed specific changes in supply and demand within the markets and/or industries you chose to analyze.
10 points
Determined whether specialization of industry had any influence on the impact of the recession. 10 points
Examined prior government policies and legislation that might have exacerbated the impact of the shocks. Also, discuss government actions/regulations that might be undertaken, and/or have been undertaken, to moderate the effects of extreme economic fluctuations. 15 points
Evaluated the actions of the federal government (fiscal policy) and the Federal Reserve (monetary policy) to restore the economy and foster economic growth. Based your evaluation on information available at Internet sources such as, but not limited to, the Fed's The Economy Crisis and Response website as well as other appropriate sources found on the Internet and in the University Library. You did address the effectiveness of those counter-cyclical policies. 20 points
The analysis is a minimum of 1,050 words in length. 5 points
Total Available
Total Earned
85
#/85
Writing Guidelines
Met
Partially Met
Not Met
Comments:
The paper—including tables and graphs, headings, title page, and reference page—is consistent with APA formatting guidelines and meets course-level requirements. 10 points
Intellectual property is recognized with in-text citations and a reference page. 10 points
Paragraph and s ...
Aligning Clinical Practice and Process ImprovementiCareQuality.us
According to recent IOM reports, The Future of Nursing, Nurses can play a key role in the healthcare transformation process. Organizations such as the American Nurses Credentialing Center, the American Nurses Association and Magnet programs have supported and strengthened the mission to improve the nursing profession through education, advanced degrees and certifications. Central to the transformation process is self-regulation and accountability for clinical practice (Code of Ethics, ANA). The Peer Review process affirms the nurse's duty to being accountable for professional practice, competence in skills and knowledge in evidence-based care delivery. Thus, peer feedback promotes patient safety, reduces the likelihood of errors, and addresses the human factor element in patient care delivery to improve patient outcomes.
1. Primary sources2. Secondary sources3. La Malinche4. Bacon’s.docxvannagoforth
1. Primary sources
2. Secondary sources
3. La Malinche
4. Bacon’s rebellion
5. Robert Carter III
6. Mesoamerica
7. Middle Passage
8. Indentured servitude
9. The Jefferson-Hemings Controversy
10. Triangular trade
11. Saint Dominique Revolt
12. Syncretism
13. Olaudah Equiano
14. Christopher Columbus
15. Columbian Moment
16. Hernan Cortes
17. Florentine Codex
18. Master Narrative of American History
19. Reconquista
20. The Paradox of Slavery
21. Indian Removal Act 1830
22. Trail of Tears
23. Treaty of Guadalupe Hidalgo
24. Niños Heroes (Heroic Children)
25. Antonio López de Santa Anna y Pérez de Lebrón
26. The Royal Africa Company
27. John Locke
28. St. Patrick’s Battalion
29. Chilam Balam
30. Popol Vuh
31. El requerimiento (The Requirement)
32. Manifest Destiny
33. Moses and Stephen F. Austin
34. Colonialism
35. Colonial Legacy
.
1. Prepare an outline, an introduction, and a summary.docxvannagoforth
1. Prepare
an outline
,
an introduction
, and
a summary
on the article selected. It s
hould be
a report of at least 4 page
double spaced.
2. Prepare a 4
PowerPoint slides
from the report.
NOTE
: See the attachment below to review the article.
.
More Related Content
Similar to NCBI Bookshelf. A service of the National Library of Medicine,.docx
Health Economics In Clinical Trials - Pubricapubrica101
Pubrica specializes in Health Economics in Clinical Trials, offering comprehensive support to ensure the economic aspects of your trial are effectively managed. From cost-effectiveness analysis to budgeting and reimbursement strategies, we help you optimize the economic outcomes of your trial. With Pubrica's expertise, you can navigate the complex landscape of health economics in clinical trials with confidence.
For more information, please refer to our service- https://pubrica.com/blog/research/health-economics-in-clinical-trials/ & Order now - https://pubrica.com/order-now/
Contact Our UK Medical Author’s;
Our email id – sales@pubrica.com
Contact No. +91 9884350006
mHealth Israel_Dr Dana Safran_Payment Reform Successes and Challenges_Nov 25,...Levi Shapiro
Presentation for mHealth Israel by Dr Dana Safran, SVP, Performance Measurement and Improvement at Blue Cross Blue Shield of Massachusetts, about "Payment Reform Successes and Challenges", with an emphasis on lessons learned from their Alternative Quality Contract (AQC)
Assessment 1• Proposing a New InitiativeResearch an economic.docxgalerussel59292
Assessment 1
• Proposing a New Initiative
Research an economic opportunity that might be available within your health care setting that will provide ethical and culturally equitable improvements to the quality of care. Then, write a 2–4-page proposal for an initiative to take advantage of that opportunity, supported with economic data and an analysis of the prospective benefits.
Note: Each assessment in this course builds upon the work you have completed in previous assessments. Therefore, you must complete the assessments in the order in which they are presented.
Master's-level health care practitioners are charged with the responsibility of constantly scanning the external environment for shifts in the supply of, and demand for, services. Concurrently, leaders must examine their organization's strategic direction and determine whether adjustments must be made to current service offerings, whether equipment updates are needed, whether staffing models should be changed, and whether other decisions must be made. Each decision that is proposed must be evaluated in terms of the organization as a system, alignment with the organization's mission and strategy, available internal resources, potential contract and payer source implications, and the short- and long-term economic effects at both the micro and macro levels.
Health Care Supply and Demand
The following multimedia animation illustrates elastic and inelastic demand curves, with changes in price.
Medical Care Demand Elasticities.
The following multimedia simulation presents the many concerns of stakeholders about the potential effects on an existing hospital system of a proposed mobile clinic for veterans with PTSD.
Vila Health: A New Mobile Clinic.
The following multimedia self-check activities will aid you in defining terms commonly used in discussions of health care economics.
The Demand for Health.
U.S. Health Care System Issues.
Understanding supply and demand in health care can be crucial to effective cost management and fiscal responsibility. This author explains the concept well by the use of examples and strategies for success.
Indresano, R. (2016). How to rebalance the supply-demand scales in healthcare. Retrieved from https://www.beckershospitalreview.com/patient-engagement/how-to-rebalance-the-supply-demand-scales-in-healthcare.html
The following article addresses the how and why behind the concept of spending efficiently in health care organizations. Examining the costs and benefits of economic opportunities is the key to success for leaders that know how to do more with less.
Doi, S., Ide, H., & Takeuchi, K., Fujita, S., & Takabayashi, K. (2017). Estimation and evaluation of future demand and supply of healthcare services based on a patient access area model. International Journal of Environmental Research and Public Health, 14(11), 1367–1381.
Health Care Costs
The following article provides a good example of the impact that the current health care environme.
EDM ForumEDM Forum CommunityeGEMs (Generating Evidence & M.docxgreg1eden90113
EDM Forum
EDM Forum Community
eGEMs (Generating Evidence & Methods to
improve patient outcomes) Publish
4-20-2017
Reducing Healthcare Costs Through Patient
Targeting: Risk Adjustment Modeling to Predict
Patients Remaining High-Cost
Jonathan A. Wrathall
Intermountain Healthcare, [email protected]
Tom Belnap
Intermountain Healthcare, [email protected]
Follow this and additional works at: http://repository.edm-forum.org/egems
Part of the Other Medicine and Health Sciences Commons, and the Social Statistics Commons
This Methods Case Study is brought to you for free and open access by the the Publish at EDM Forum Community. It has been peer-reviewed and
accepted for publication in eGEMs (Generating Evidence & Methods to improve patient outcomes).
The Electronic Data Methods (EDM) Forum is supported by the Agency for Healthcare Research and Quality (AHRQ), Grant 1U18HS022789-01.
eGEMs publications do not reflect the official views of AHRQ or the United States Department of Health and Human Services.
Recommended Citation
Wrathall, Jonathan A. and Belnap, Tom (2017) "Reducing Healthcare Costs Through Patient Targeting: Risk Adjustment Modeling to
Predict Patients Remaining High-Cost," eGEMs (Generating Evidence & Methods to improve patient outcomes): Vol. 5: Iss. 2, Article 4.
DOI: https://doi.org/10.13063/2327-9214.1279
Available at: http://repository.edm-forum.org/egems/vol5/iss2/4
Reducing Healthcare Costs Through Patient Targeting: Risk Adjustment
Modeling to Predict Patients Remaining High-Cost
Abstract
Context: The transition to population health management has changed the healthcare landscape to identify
high risk, high cost patients. Various measures of patient risk have attempted to identify likely candidates for
care management programs. Pre-screening patients for outreach has often required several years of data.
Intermountain Healthcare relied on cost-ranking algorithms which had limited predictive ability. A new risk-
adjusted algorithm shows improvements in predicting patients’ future cost status to facilitate identifying
patient eligibility for care management.
Case Description: A retrospective cohort study design was used to evaluate high-cost patient status for two
of the next three years. Modeling was developed using logistic regression and tested against other decision tree
methods. Key variables included those readily available in electronic health records supplemented by
additional clinical data and estimates of socio-economic status.
Findings: The risk-adjusted modeling correctly identified 79.0% of patients ranking among the top 15% of
costs in one of the next three years. In addition, it correctly estimated 48.1% of the patients in the top 15% cost
group in two of the next three years. This method identified patients with higher medical costs and more
comorbid conditions than previous cost-ranking methods.
Major Themes: This approach improves the predictive accuracy of identifying high cost patients in the future
.
ECO/561 Week 5 Assignment Rubric
Individual Assignment: Effectiveness of the Counter-Cyclical PoliciesPurpose of Assignment
This assignment addresses how both monetary and fiscal policies have been used during the so-called Great Recession, which began in December 2007 and ended in June 2009, to the present to moderate the business cycle. Resources Required
Tutorial help on Excel® and Word functions can be found on the Microsoft® Office website. There are also additional tutorials via the web offering support for Office products.Grading Guide
Content
Met
Partially Met
Not Met
Comments:
Selected an industry that suffered heavy losses during the Great Recession and produced an Excel® Workbook including the following data from December 2007 to the present:
· One dataset related to the U.S. housing industry such as housing starts, the FHFA housing price index, or another dataset of your choice related to the housing market.
· One dataset related to personal or household income or to personal or household saving.
· One dataset related to the labor market such as the unemployment rate, initial claims for unemployment insurance, or another dataset of your choice related to the U.S. labor force.
· One dataset related to production and business activity within the market or industry you choose to analyze.
15 points
Using data results analyzed the economic and sociological forces that drove the market equilibrium to unsustainable heights, commonly referred to as "bubbles," and the shocks that brought the markets back down.
10 points
Discussed specific changes in supply and demand within the markets and/or industries you chose to analyze.
10 points
Determined whether specialization of industry had any influence on the impact of the recession. 10 points
Examined prior government policies and legislation that might have exacerbated the impact of the shocks. Also, discuss government actions/regulations that might be undertaken, and/or have been undertaken, to moderate the effects of extreme economic fluctuations. 15 points
Evaluated the actions of the federal government (fiscal policy) and the Federal Reserve (monetary policy) to restore the economy and foster economic growth. Based your evaluation on information available at Internet sources such as, but not limited to, the Fed's The Economy Crisis and Response website as well as other appropriate sources found on the Internet and in the University Library. You did address the effectiveness of those counter-cyclical policies. 20 points
The analysis is a minimum of 1,050 words in length. 5 points
Total Available
Total Earned
85
#/85
Writing Guidelines
Met
Partially Met
Not Met
Comments:
The paper—including tables and graphs, headings, title page, and reference page—is consistent with APA formatting guidelines and meets course-level requirements. 10 points
Intellectual property is recognized with in-text citations and a reference page. 10 points
Paragraph and s ...
Aligning Clinical Practice and Process ImprovementiCareQuality.us
According to recent IOM reports, The Future of Nursing, Nurses can play a key role in the healthcare transformation process. Organizations such as the American Nurses Credentialing Center, the American Nurses Association and Magnet programs have supported and strengthened the mission to improve the nursing profession through education, advanced degrees and certifications. Central to the transformation process is self-regulation and accountability for clinical practice (Code of Ethics, ANA). The Peer Review process affirms the nurse's duty to being accountable for professional practice, competence in skills and knowledge in evidence-based care delivery. Thus, peer feedback promotes patient safety, reduces the likelihood of errors, and addresses the human factor element in patient care delivery to improve patient outcomes.
Similar to NCBI Bookshelf. A service of the National Library of Medicine,.docx (20)
1. Primary sources2. Secondary sources3. La Malinche4. Bacon’s.docxvannagoforth
1. Primary sources
2. Secondary sources
3. La Malinche
4. Bacon’s rebellion
5. Robert Carter III
6. Mesoamerica
7. Middle Passage
8. Indentured servitude
9. The Jefferson-Hemings Controversy
10. Triangular trade
11. Saint Dominique Revolt
12. Syncretism
13. Olaudah Equiano
14. Christopher Columbus
15. Columbian Moment
16. Hernan Cortes
17. Florentine Codex
18. Master Narrative of American History
19. Reconquista
20. The Paradox of Slavery
21. Indian Removal Act 1830
22. Trail of Tears
23. Treaty of Guadalupe Hidalgo
24. Niños Heroes (Heroic Children)
25. Antonio López de Santa Anna y Pérez de Lebrón
26. The Royal Africa Company
27. John Locke
28. St. Patrick’s Battalion
29. Chilam Balam
30. Popol Vuh
31. El requerimiento (The Requirement)
32. Manifest Destiny
33. Moses and Stephen F. Austin
34. Colonialism
35. Colonial Legacy
.
1. Prepare an outline, an introduction, and a summary.docxvannagoforth
1. Prepare
an outline
,
an introduction
, and
a summary
on the article selected. It s
hould be
a report of at least 4 page
double spaced.
2. Prepare a 4
PowerPoint slides
from the report.
NOTE
: See the attachment below to review the article.
.
1. Normative moral philosophy typically focuses on the determining t.docxvannagoforth
1. Normative moral philosophy typically focuses on the determining the right action for a person to perform in a given situation. First, how specifically is Aristotle’s virtue ethics focused slightly differently? Next, Aristotle thought that virtues are traits of character that manifest themselves through habitual activity and that are good for anyone to have. What are some of the virtuous traits to have according to Aristotle and how does acting in accordance with them over time bring about “correct” moral action? What does it mean to act in a morally correct way according to Aristotle?
Directions:
Please provide detailed and elaborate responses to the following questions. Your responses should include examples from the reading assignments. Each response should be at least one half of one page in length and utilize APA format.
1. According to virtue ethicists, how are virtues acquired?
2. What is situationist psychology?
3. List and briefly describe one of the criticisms of virtue ethics.
4. What is "The Golden Mean?"
5. Why is virtue ethics particularly well-suited to the medical profession?
PART I:
Directions:
The following problems ask you to evaluate hypothetical situations and/or concepts related to the reading in this module. While there are no "correct answers" for these problems, you must demonstrate a strong understanding of the concepts and lessons from this module's reading assignment. Please provide detailed and elaborate responses to the following problems. Your responses should include examples from the reading assignments and should utilize APA guidelines. Responses that fall short of the assigned minimum page length will not earn any points.
1.
Think of a profession you are considering as a career: engineering, or perhaps law or accounting or teaching. Could you develop a distinctive set of virtues for that profession? That is, are there some virtues that would be particularly important for members of that profession? Your response should be at least one page in length.
2. An important distinction for virtue theorists is between people who are happy and people who are flourishing. Do you know anyone (a public figure or an acquaintance) whom you would count as happy but not flourishing?
Your response should be at least one half of one page in length.
3. I have lived a dissolute life for many years: a life devoted to excessive eating, heavy drinking, laziness, deceitfulness, and pettiness. At age 45, I awaken one morning in the gutter, painfully sober after a three-day binge, and I resolve to change my ways and pursue virtue. In your opinion, how long would it make me to become a virtuous person? Could I become virtuous in an hour? A week? A month? Ever?
Your response should be at least one page in length.
4. Suppose Dan is dying from an unknown disease. He is wealthy and will give half of his money to anyone who can save his life. Joe, not know.
1. Paper should be 5-pages min. + 1 page works cited2. Should have.docxvannagoforth
1. Paper should be 5-pages min. + 1 page works cited
2. Should have at least 10 annotated sources (copy article onto word, highlight main point, write a few sentences about how it'll help you in writing the paper at the bottom of page)
3
. Should have an INTRO, NARRATION, ARGUMENTS, REFUTATION, CONCUSION
4. Use in-text citations and have organized mla format works cited page
SAMPLE OUTLINE
Research Paper Outline
Title: Rebellious Libya
Thesis: The United States should not get involved with Libya’s conflicts.
I.
Introduction:
A.
Start with the question, what is war? Explain briefly.
B.
Talk about the wars of the United States.
C.
What were the outcomes of some of those wars?
II.
Narration:
A.
Give some background on Libya.
B.
Explain how Col. Muammar Gaddafi became the leader of Libya
C.
Talk about why the citizens of Libya want to overthrow Gaddafi.
D.
Explain why the people feel that the United States should get involved in Libya’s conflicts.
III.
Partition:
A.
Thesis: I believe that the United States should not get involve with Libya’s conflicts.
B.
Essay Map.
1.
Cost of war.
2.
Using money in other Departments other defense.
3.
Killing innocent civilians and soldiers.
4.
Helping unknown rebels
5.
Involvement of foreign wars
IV.
Arguments:
A.
The cost of war is rising by the minute. The Obama Administration proposed a budget of $553 billion dollars for the department.
B.
Instead of spending all that money on war, we should be investing that money on health care and education.
C.
This conflict has caused the lives of many innocent civilians. NATO openly admitted to have killed innocent civilians, due to misguidance.
D.
The rebels fighting against Gaddafi are in need of military supplies. I don’t think that it is a good idea to help unknown rebels. We helped the Afghanistan rebels when they were fighting Russia. After they were victorious, they later became the “Taliban” and used those weapons to attack the US.
E.
Getting involved in foreign wars is not a good idea. The US has been involved in many foreign wars lately. These wars have been in foreign countries where Islam is the prominent religion. Libya is one of these countries. The involvement of the US in these places, builds a bad reputation worldwide and among the Muslim community.
V.
Refutation:
A.
Gaddafi’s actions against the civilians of Libya are totally wrong. Killing your own people is bad and therefore, we should help the rebels overthrow him.
B.
Gaddafi has been in power for many years. In fact, he holds the record for most years in power in a single country. This type of power can potentially lead to corruption and mistreatment of civilians.
C.
The people of Libya deserve to have democracy. They should have the right to elect their own leader.
D.
If Al Qaeda is threatening NATO and Libyan mercenaries then we should help them fight terrorism.
VI.
Conclusion:
A.
Summarize my arguments.
B.
State why we should not get involve with Libya’s conf.
1. Name and describe the three steps of the looking-glass self.2.docxvannagoforth
1. Name and describe the three steps of the 'looking-glass self'.
2. List and describe the three stages in George Mead's model of human development.
3. Piaget developed a four-stage process to explain how children develop reasoning skills. List each and give an example of one of the stages.
4. Briefly summarize the three elements of Freud's theory of personality and explain why sociologist have negative reactions to his analysis.
5. How does the mass media reinforce society's expectations of gender?
.
1. Provide an example of a business or specific person(s) that effec.docxvannagoforth
1. Provide an example of a business or specific person(s) that effectively use social media. What tools does the business or person use? How do they apply the tools effectively? Describe areas of improvement.
This assignment has to be 4 pages long, then it needs a cover page and reference page however that can not be a part of the four pages. So it would be 6 pages if you count the cover page and reference page!
.
1. Mexico and Guatemala. Research the political and economic situati.docxvannagoforth
1. Mexico and Guatemala. Research the political and economic situation of these countries and write about their peculiar circumstances.
2. Honduras, El Salvador and Panama. Research the political and economic situation of these countries and write about their peculiar circumstances.
3. Costa Rica and Nicaragua. Research the ecological and political situation of these countries and write about their peculiar circumstances.
4. Colombia and Ecuador. Research about the truths and myths about this two countries and write about your impressions on these stereotypes.
.
1. Many scholars have set some standards to judge a system for taxat.docxvannagoforth
1. Many scholars have set some standards to judge a system for taxation for its validity. How can you decide if a tax is good or bad?
You can consider these five following principles for your Discussion. What do these issues mean? How do you think they matter?
Adequacy Equity Exportability Neutrality Simplicity
What other tax revenue systems could you consider? How do you think they would be better or worse?
2. What role do taxes play in political issues?
3. What is your opinion of a flat tax as some politicians have proposed?
.
1. List and (in 1-2 sentences) describe the 4 interlocking factors t.docxvannagoforth
1. List and (in 1-2 sentences) describe the 4 interlocking factors that led to the ourbreak of world war 1
2. Explain the difference between and authoritarian regime and a totalitarian regime.
3. List and (in 1-2 sentences) describe the 5 factors that led to the ourbreak of world war 2.
.
1. Please explain how the Constitution provides for a system of sepa.docxvannagoforth
1. Please explain how the Constitution provides for a system of separation of powers and checks and balances. Provide a fully developed essay of at least 500 words, and cite sources used.
2. Describe how a bill becomes a law at the national level, in a fully developed essay of at least 500 words. Support your work with cited sources, references to Lecture Notes, or URLs where you obtained your information.
.
1. Please watch the following The Diving Bell & The Butterfly, Amel.docxvannagoforth
1. Please watch the following: The Diving Bell & The Butterfly, Amelie, The Lookout, A Single Man, Her, Little Children, and An Education and
Please respond to the films. In particular, respond to how the film develops the identity of a single character for an audience, and which you responded to (either the characters themselves or the way the film constructed the character) the most, or the least please , 10 sentence min and no plagiariasm also it has to be
followowed exactly whats written here.
PS: please dont waste my time if you will do a messy assigment, just dont send me a msg.
.
1. Most sociologists interpret social life from one of the three maj.docxvannagoforth
1. Most sociologists interpret social life from one of the three major theoretical frameworks/perspectives (conflict theory, functionalism, symbolic interactionism). Describe the major points of each one. List at least one sociologist who has been identified with each of these three theories.
2. What is the difference between basic sociology and applied sociology?
3. List and describe the eight steps of the scientific research model.
4. Discuss the importance of ethics in social research. Define what is meant by ethics.
.
1. Members of one species cannot successfully interbreed and produc.docxvannagoforth
1. Members of one species cannot successfully interbreed and produce fertile offspring with members of other species. This idea is known as
a. reproductive success.
b. punctuated evolution.
c. adaptive radiation.
d. the biological species concept.
e. geographic isolation.
2. The origin of new species, the extinction of species, and the evolution of major new features of living things are all changes that result from
a. macroevolution.
b. fitness.
c. speciation.
d. the biological species concept.
e. convergent evolution.
3. Which is a barrier that can contribute to reproductive isolation?
a. timing
b. behavior
c. habitat
d. incompatible reproductive structures
e. all of the above
4. Which of the following statements is false?
a. Horses and donkeys are separate species.
b. Two mules can mate and produce fertile offspring.
c. A horse and a donkey can mate and produce offspring.
d. Two donkeys can mate and produce fertile offspring.
e. Two horses can mate and produce fertile offspring.
5. The evolution of the penguin’s wing from a wing suited for flying to a “flipper-wing” used for swimming is an example of
a. refinement of existing adaptations.
b. reproductive isolation.
c. adaptation of existing structures to new functions.
d. inheritance of acquired characteristics.
e. the biological species concept.
6. Which of the following have been preserved as fossils?
a. dinosaur footprints
b. insects preserved in amber
c. petrified plant remains
d. animal bones
e. all of the above
7. The mass extinctions that included the dinosaurs took place during which period?
a. Cambrian (543–510 million years ago)
b. Devonian (409–363 million years ago)
c. Carboniferous (363–290 million years ago)
d. Jurassic (206–144 million years ago)
e. Cretaceous (144–65 million years ago)
8. The development of the complex, camera-like eye of a mammal is an example of
a. refinement of existing adaptations.
b. reproductive isolation.
c. adaptation of existing structures to new functions.
d. inheritance of acquired characteristics.
e. the biological species concept.
9. Which of the following statements is true?
a. Carbon-14 dating is useful for studying the age of early dinosaur fossils.
b. Carbon-14 has a half-life of 5,730 years.
c. Uranium-238 has a very short half-life.
d. Uranium-238 is present in all organisms.
e. Carbon-12 is not found in living plants.
10. Which of the following provides the best explanation for why Australia has so many organisms unique to that continent?
a. punctuated equilibrium
b. the biological species concept
c. convergent evolution
d. continental drift
e. cladistics
11. Scientists think that a meteor that fell in ____________________ may have led to the extinction of the dinosaurs.
a. Australia
b. the Yucatán peninsula
c. The Galápagos Islands
d. Pangaea
e. India
12. The great diversit.
1. Of the three chemical bonds discussed in class, which of them is .docxvannagoforth
1. Of the three chemical bonds discussed in class, which of them is simultaneously the weakest and most important for life on this planet as we know it?
2.Carbohydrates are very important sources of energy for life. Plants and arthropods also use carbohydrates as components of structures that are very important for their existence. Provide the names of the two most important carbohydrate based structures (one for plants and one for arthropods) and the carbohydrate components that are used to form them.
3._____________ _____________ are joined by ______________ bonds to form proteins.
4.Proteins can be used for several functions. Provide examples of structural and metabolic functions of proteins.
5.Describe the phosholipid bilayer of the plasma membrane. Why is this bilayer important for the formation of cells and the sequestration of chemical reactions within the cell?
.
1. Look at your diagrams for hydrogen, lithium, and sodium. What do .docxvannagoforth
1. Look at your diagrams for hydrogen, lithium, and sodium. What do they all have in common? What group are these elements in on the periodic table?
2. Look at your diagrams for fluorine and chlorine. What do they have in common?
Picture is in the link. Put answers on the word document and re-submit
.
1. Name the following molecules2. Sketch the following molecules.docxvannagoforth
1. Name the following molecules:
2. Sketch the following molecules:
3-cyclohexenone
4-ethyl 2,2,5-trimethyl 3-hexanone
ethyl butyrate
pentanoic acid
2-chloro 4-methyl 2,5-heptadienal
3,4-dichloro 4-ethyl octanal
p-chloro phenol
3-bromo 2-chloro 4-methyl hexane
3-cyclopropyl 1,2-cyclopentanediol
methyl phenyl ether
3,5-dimethyl 2-heptene-4,5-diol
3. Give two different uses for ethanol.
4. Name two categories of organic compounds (alkanes, aldehydes…) that have very strong characteristic odours.
.
1. List the horizontal and vertical levels of systems that exist in .docxvannagoforth
1. List the horizontal and vertical levels of systems that exist in organizations.
2.
Describe at least five steps involved in systems integration
3.
What is the role of ERP systems in system integration?
4. Why do you think functional silos are not appropriate for today's organization? Discuss your answer from organizational and technical perspectives.
5. Pick an organization that you know of or where you are/were working and provide examples of logical and physical integration issues that were faced by the organization when they broke the functional silos and moved to integrated systems.
.
1. Kemal Ataturk carried out policies that distanced the new Turkish.docxvannagoforth
1. Kemal Ataturk carried out policies that distanced the new Turkish republic of the 1920s from the Ottoman past. Why? What specific policies did Ataturk pursue? 2. Why many Arabs felt betrayed by the British (and the French) after the First World War? 3. Discuss at least three features of patrimonial leadership. List three or more Middle Eastern states where such type of political leadership persists 4. Describe the key processes (both internal and external) that initiated political and economic disintegration of the Ottoman Empire in the nineteenth century. 5. European military superiority in the late eighteenth century prompted Ottoman rulers to respond with what specific political measures? 6. The Zionist political movement originated in Europe rather than in the Middle East. Explain why and how. 7. After the Second World War, several Arab countries went through the process of transition from constitutional monarchies to republics. Identify three such countries and describe the course of events that brought about this transition. 8. How is religious Zionism different from secular Zionism? What is the relevance of this difference for the creation of the state of Israel? Has the relative influence of the two remained stable since the creation of the Israeli state? 9. What was the principle source of political legitimacy of the Ottoman Empire? 10. While most Ottoman European provinces, riding the tide of the nineteenth century nationalism, sought and won independence from Istanbul, Ottoman Arab provinces maintained their political loyalty to the Ottomans. What explains this difference between Arab and European provinces? 11. Social and political forces in favor of a constitutional reform in Iran (1905-1911) were markedly different from the groups that promoted constitutional limitations on executive powers of the sultan in the Ottoman Empire prior to the First World War? Explain this difference. 12. What are some of the key features of Arab socialisms? Which Arab leaders adopted socialist ideology? Which Arab leaders were opposed to it? 13. After the First World War, the new Middle Eastern protectorates (e.g., Syria, Lebanon, Iraq) were expected to develop into modern secular states. What specific policies did France and Britain try to implement? How successful have theses policies been? 14. The 1967 war was a watershed event for all major actors in the Middle East. Explain the consequences of the war for domestic politics in Israel and Egypt respectively.
.
1. If we consider a gallon of gas as having 100 units of energy, and.docxvannagoforth
1. If we consider a gallon of gas as having 100 units of energy, and 25 of those units are used to move the car, what law of thermodynamics accounts for the other 75 units of energy? (Points : 2)
the first law
the second law
2. Which of these is not a component of a molecule of adenosine triphosphate (ATP)? (Points : 3)
adenosine
phosphate
deoxyribose sugar
ribose sugar
3. Glycolysis is a sequence of ______ chemical reactions. (Points : 3)
nine
six
five
ten
4. Exergonic reactions produce products with a ___ energy level than that of the initial reactants. (Points : 3)
lower
higher
the same
5. When chemical X is reduced, which of these expressions would be an accurate representation of its reduced state? (Points : 3)
XO
XH
X
HX
6. Most enzymes are which kind of organic compound? (Points : 3)
carbohydrates
lipids
proteins
none of the above
7. The area on an enzyme where the substrate attaches is called the: (Points : 3)
active site
allosteric site
anabolic site
inactive site
8. Which of the following creatures would not be an autotroph? (Points : 3)
cactus
cyanobacteria
fish
palm tree
9. The process by which most of the world's autotrophs make their food is known as: (Points : 3)
glycolysis
photosynthesis
chemosynthesis
herbivory
10. Plants are the only organisms that use ATP for the transfer and storage of energy. (Points : 2)
True
False
11. The colors of light in the visible range (from longest wavelength to shortest) are: (Points : 3)
ROYGBIV
VIBGYOR
GRBIYV
ROYROGERS
12. Chlorophyll is a green pigment because it absorbs only the green part of the visible light spectrum. (Points : 2)
True
False
13. The photosynthetic pigment that is essential for the process to occur is: (Points : 3)
chlorophyll a
chlorophyll b
beta carotene
xanthocyanin
14. A photosystem is: (Points : 3)
a collection of hydrogen-pumping proteins
a series of electron-accepting proteins arranged in the thylakoid membrane
a collection of photosynthetic pigments arranged in a thylakoid membrane
found only in prokaryotic organisms
15. Which of these molecules is NOT a product of the Electron Transport System? (Points : 3)
ATP
Water
Pyruvate
NAD+
16. The dark reactions require all of these chemicals to proceed except: (Points : 3)
ATP
NADPH
carbon dioxide
oxygen
17. The structural unit of photosynthesis, where the photosystems are located, are called: (Points : 3)
chlorophylls
eukaryotes
stroma
thylakoids
18. Which of the following does NOT occur during the light independent process? (Points : 3)
CO2 is used to form carbohydrates
NADPH converts to NADP
ADP converts to ATP
ATP converts to ADP
19. The production of ATP that occurs in the presence of oxygen is called: (Points : 3)
aerobic respiration
anaerobic respiration
chemiosmosis
photosynthesis
20. The first stable chemical formed by the Calvin Cycle is: (Points :.
1. In 200-250 words, analyze the basic issues of human biology as th.docxvannagoforth
1. In 200-250 words, analyze the basic issues of human biology as they relate to chronic conditions and describe the interaction between disability, disease, and behavior. Examine and discuss the impact of biological health or illness on social, psychological, and physical problems from the micro, mezzo, and macro perspectives. Choose a chronic condition from those provided in your text and consider how you might feel, think, and behave differently if the condition were affecting you versus if the condition were affecting a stranger. How might you think differently about this chronic condition if it were affecting someone close to you, your neighbor, or someone in your community? Please include at least two supporting scholarly resources.
2.Our stage of life, intellectual/cognitive abilities, and sociocultural position in life, affect our perspectives and resultant behaviors about a number of conditions including cancer. Consider the information provided in the
“Introduction to the Miller Family”
document. Both Ella and Elías have been diagnosed with cancer. Ella has been fighting cancer with complementary and alternative methods with some success for many years. Elías, her grandson, is 10 years old and has recently been diagnosed with leukemia but has not yet begun treatment. Putting yourself in either Ella or Elías’s place, what might your perspective on your cancer be? Integrate how the stage of life, cognitive abilities, and sociocultural position of your chosen person impacts her/his perspective on his/her individual disease.
.
How to Create Map Views in the Odoo 17 ERPCeline George
The map views are useful for providing a geographical representation of data. They allow users to visualize and analyze the data in a more intuitive manner.
The Indian economy is classified into different sectors to simplify the analysis and understanding of economic activities. For Class 10, it's essential to grasp the sectors of the Indian economy, understand their characteristics, and recognize their importance. This guide will provide detailed notes on the Sectors of the Indian Economy Class 10, using specific long-tail keywords to enhance comprehension.
For more information, visit-www.vavaclasses.com
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Students, digital devices and success - Andreas Schleicher - 27 May 2024..pptxEduSkills OECD
Andreas Schleicher presents at the OECD webinar ‘Digital devices in schools: detrimental distraction or secret to success?’ on 27 May 2024. The presentation was based on findings from PISA 2022 results and the webinar helped launch the PISA in Focus ‘Managing screen time: How to protect and equip students against distraction’ https://www.oecd-ilibrary.org/education/managing-screen-time_7c225af4-en and the OECD Education Policy Perspective ‘Students, digital devices and success’ can be found here - https://oe.cd/il/5yV
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
NCBI Bookshelf. A service of the National Library of Medicine,.docx
1. NCBI Bookshelf. A service of the National Library of Medicine,
National Institutes of Health.
Institute of Medicine (US) Roundtable on Value & Science-
Driven Health Care; Yong PL, Olsen LA, McGinnis
JM, editors. Value in Health Care: Accounting for Cost,
Quality, Safety, Outcomes, and Innovation.
Washington (DC): National Academies Press (US); 2010.
5 Approaches to Improving Value—Provider and Manufacturer
Payments
INTRODUCTION
Payment design, coverage policies, reimbursement rules, and
other financial incentives and
disincentives are powerful motivators when attempting to steer
the healthcare system toward
more desirable care patterns (Guterman et al., 2009).
Experiments with payment design and
coverage and reimbursement policies are currently going on in
both public and private healthcare
sectors, with varying results. Speakers in this session of the
workshop explored current payment
design experiments and discussed the efficacy of utilizing these
reimbursement tools to improve
the value received from health care.
In this chapter, Carolyn M. Clancy details the pay-for-
performance (P4P) model, an effort to
more explicitly link provider payments to quality of care. She
highlights the lack of coherent
2. approaches to P4P and the variable success this approach has
had in fundamentally changing
provider practice patterns. For example, while financial
incentives for individual physicians have
shown that P4P can induce quality improvements for diabetic
patients (Beaulieu and Horrigan,
2005), group-level incentives have had no impact on
mammography screening or hemoglobin A
testing rates (Rosenthal et al., 2005). After underscoring that
the current incentive system and
healthcare infrastructure fail to accommodate the achievement
of real efficiency and quality, she
outlines recommendations for rethinking medical training,
measurement, system design, and the
reward system.
Building on Clancy’s recommendations, Donald A. Sawyer
identifies how the current healthcare
system stymies innovation in product development. He suggests
refocusing the myopic view of
innovation on the horizon of long-term health improvements and
financial savings. Reed V.
Tuckson discusses the alignment of manufacturers,
technologists, payers, patients, and providers
necessary to establish a system that continues to provide
incentives for innovation and maintains
an open market for the development of promising but unproven
interventions. He elaborates
specifically on a joint effort between UnitedHealth Group and
the American College of
Cardiology to develop appropriateness criteria for cardiac
single-photon emission computed
tomography myocardial perfusion imaging—a new and very
expensive technology—based on
best evidence as an example of how the interests of diverse
stakeholder groups could be aligned.
3. In conclusion, Steven D. Pearson likens coverage and
reimbursement tools to a blunt knife that
lacks subtlety in effecting value improvements, but he also
expands on coverage innovations in
public and private arenas that could sharpen these tools. He
specifically describes Washington
State’s Health Technology Assessment Program—which
considers efficacy, safety, and cost-
effectiveness in making coverage decisions for all of the state’s
public programs—and physician
edits—which limit the prescription of certain drugs to specific
physicians or specialists in an
effort to target medications to those patients most likely benefit
from them—before elaborating
on the future of payment and reimbursement as a tool to
improve value.
PAY FOR PERFORMANCE
Carolyn M. Clancy, M.D., Agency for Healthcare Research and
Quality
1c
For health reform advocates, this is a very exciting time—one
that is driven by a sense of
urgency. However, despite many significant efforts at reform,
we do not yet have an effective
incentive system or a sustainable infrastructure that would
allow us to achieve real efficiency and
quality. As we search for the answer to “system
transformation,” I worry about several issues:
4. 1. We create and apply more and more tools to an already
chaotic system,
2. We fail to delve into the fundamental problems of healthcare
infrastructure, and
3. We confuse short-term tactics and long-term strategy.
Given these difficulties, let me envision what a transformed
healthcare system may look like in
10 years. By then we could have a system that:
• Rewards physicians and patients for making the right choices,
• Reports and measures quality electronically,
• Shares best practices rapidly with providers and offers
knowledge of how to apply the
evidence to individual patients, and
• Focuses increasingly on improving quality and value outcomes
for episodes of care.
Pay for Performance
Perhaps seen as one of the keys to system transformation, P4P
and value-based purchasing
programs have experienced rapid growth in the past decade.
There are now literally hundreds of
these programs in the private sector. They include any type of
performance-based provider
payment arrangement, including those that target performance
on cost measures. P4P and value-
based purchasing extend beyond individual healthcare
providers. The Centers for Medicare and
Medicaid Services (CMS) and Congress have also extensively
5. discussed launching performance-
based reimbursement approaches for hospitals.
However, we still do not know how to design effective pay-for-
performance programs, much less
how to do so in our very large, very chaotic healthcare system.
Some demonstration projects are
encouraging (e.g., the Premier demonstration). Yet even the
best of these do not yield
groundbreaking improvements in patient outcomes. Generally,
evaluations of P4P programs find
that payment incentives have demonstrated a positive effect, but
the effect is relatively
modest—and sometimes counterintuitive.
For example, the Agency for Healthcare Research and Quality
(AHRQ) funded the Palo Alto
Medical Foundation (PAMF) to study different models of P4P.
The study involved five sites that
have had electronic medical records since 2000 and utilized
physician payment tiers based on
relative value units of service. Studies of financial incentives
for individual physicians have
shown that, bundled with other care management tools, P4P can
lead to improvement in quality
of care for diabetic patients (Beaulieu and Horrigan, 2005). The
impact of group-level incentives
and a patient registry-intervention system improved
documentation of tobacco use but led to no
change in the provision of quitting advice (Roski et al., 2003).
Group-level incentives also led to
small increases in cervical cancer screening but no change in
mammography screening or
hemoglobin A testing rates (Rosenthal et al., 2005). In this
study, since the largest relative
improvements were seen in those with higher baseline
6. performance, this raises additional
questions of how best to distribute the rewards. That is, should
already (relatively) high
performers receive the largest rewards—or those who improve
the most?
This research on P4P has additionally shown that the frequency
of payment by itself may not
make a difference in performance. In the context of
organizational-level quality improvement
efforts, relatively small financial incentives to individual
physicians have limited incremental
1c
effects on well-established measures. Interestingly the PAMF
has also found some spillover
effects, where improvements occurred in both incentivized and
nonincentivized measures.
However, we do not fully understand the processes underlying
this outcome and need to learn
more about why these spillover effects occurred in order to
capitalize on their potential.
AHRQ’s quality report last year found that overall quality of
care improved in all U.S.
populations and settings by 2.3 percent (Agency for Healthcare
Research and Quality, 2007).
Unfortunately, health costs concurrently increased 6.7 percent.
You do not have to know about
technical quality measures to see the problem. Something
clearly must be done not only to reduce
the costs of care but also to improve clinical outcomes. Don
Berwick often says that our payment
7. system is not just quality neutral, it is actually pretty toxic. It is
easy to make glib statements that
our current reimbursement policies reward volume rather than
value. Yet those rewards translate
into income for a lot of people who are doing very well in the
current system. Making dramatic
changes in the reward system will be, to say the least,
challenging.
Challenges and the Road Ahead
How do we transform a chaotic system that accounts for 16
percent of our economy? We need a
road map. We need to rethink our training, measurement, and
system design. We also need to
change our reward system.
Our challenges include engaging the research and provider
communities in developing quality
and value measures quickly while creating a sustainable
infrastructure for collecting, analyzing,
and disseminating information about performance and
outcomes. Gaps in value-based measures,
measures across episodes of care, and patient-centered outcomes
need to be addressed. Incentives
must align rewards with quality and value. In one promising
activity, the Bridges to Excellence
program has tried to determine what it would take to build at
least part of the needed
infrastructure that would make pay-for-performance work. This
includes exploration of cost-
savings distribution plans with doctors who deliver high-quality
care, such as lowering rates of
avoidable hospital admissions.
The evolution of our healthcare infrastructure to a learning
8. healthcare system—one in which real-
time feedback on quality creates value for providers and
patients—is not possible today. We
know that people will not continue to provide data to a
collection system or value the feedback
they receive unless it is timely and relevant. Take Hospital
Compare, a public reporting system of
how well hospitals care for patients with certain medical
conditions or surgical procedures. When
a hospital currently sends its reports to CMS, it takes nine
months to get feedback—much too
long to imagine that the data will have an impact on quality. As
a result, people on the front lines
of care delivery have no sense of how their daily work connects
to those report cards.
We also will need policies and regulations for information
governance because patient-centered
assessment and improvement require data sharing and care
coordination. Right now the mindset
and relevant laws are framed around paper medical records (or
their digitized incarnation) and
reflect the limitations of these records. We cannot begin to
collect the kinds of information that
would inform pay-for-performance or allow the creation of a
learning healthcare system without
clear policies on data ownership, the rules for sharing data, and
protocols for providing feedback
to patients and doctors in real time.
Recently, several colleagues of mine published an article in the
Journal of the American Medical
Association (Dougherty and Conway, 2008) that discussed the
time lag between new biomedical
breakthroughs and their widespread application to clinical care.
Take, for example, the 25-year
9. delay in getting consistent, appropriate use of β-blockers for
patients after heart attacks (Lee,
2007). In order to transform the system into one without delays
in the translation of research to
practice, healthcare providers must align with the research
enterprises that are trying to improve
health care.
More research and better research will not help us obtain better
health care unless such research
focuses on top priorities and the results are linked strategically
to an infrastructure that helps us
scale both promises and best practices.
INCENTIVES FOR PRODUCT INNOVATION—PRODUCT
MANUFACTURER
PERSPECTIVE
Donald A. Sawyer, J.D., AstraZeneca Pharmaceuticals
We all know that America is at a critical crossroads in health
care. We can continue with business
as usual and suffer the consequences, or we can take on the
issues at the root of the problem.
We’re here today because we have chosen the latter, and we
understand that to be part of the
solution, we must be part of the conversation.
Like every other party at the table, we have opinions on how
health care should be structured. We
believe that any reform package should promote market
competition that leads to improved health
outcomes. It should maintain and enhance patient safety. It
10. should expand coverage for the
uninsured. Healthcare reform should provide incentives for
product innovation—specifically
innovation that paves the way to pharmaceutical breakthroughs.
Incentives for innovation are imperative to patient health and
the future of American health care. I
am fortunate to be part of an organization whose priorities are
to keep people healthy and to keep
care accessible, while also promoting an environment that
encourages innovation. As a company,
we believe that a good healthcare system should support these
goals. Yet the reality is that the
system in place doesn’t do that very well.
The question is: How are we going to change it? How are
“we”—we meaning the pharmaceutical
and biological industry and all payers—going to ensure that
innovative, meaningful medicines are
discovered, developed, and delivered to the right patients, to
ensure optimal patient outcomes,
and ultimately to improve the healthcare system?
A Word About Research and Development and Return on
Investment
Before we discuss ways to work collaboratively to improve the
healthcare system, it is essential
to talk about what really goes into innovation. Pharmaceutical
firms spend most of their resources
on drug development. To develop a single drug takes anywhere
from 10 to 15 years. So if we
started work on a new drug today, that would put us at the
finish line in 2023—by then, Barack
Obama would qualify for Medicare.
11. To bring that single drug from lab to pharmacy costs more than
$1 billion in current dollars, not
to mention the investment in drugs that never make it to market.
For every 5,000 compounds
tested, only five ever make it to clinical trials, and only one
receives FDA approval
(Pharmaceutical Research and Manufacturers of America,
2008). Let me give you a real example.
You’ve probably never heard of a diabetes drug called Galida.
You have not heard of it because
after spending tens of millions of dollars and dedicating
hundreds of employees to bring it to
market, we decided not to continue with the process. Why?
Because we did not believe it offered
a significant benefit for patients over existing therapies. Of the
drugs that are approved and do
make it to market, only 2 in 10 will ever recoup their cost of
development.
Instead of focusing on innovation in the short term through the
lens of a microscope, if we—and
all players in the system—were to view innovation through a
telescope and take a long-term
view, the rewards of the time and financial investment of
bringing a new drug to market would be
substantial. For example, for every $1 spent on cholesterol
medicines, more than $5 is saved on
disease-related costs. With diabetes, the return is even greater.
For every $1 spent on diabetes
medicines, the system realizes a $7 return on investment
(Pharmaceutical Research and
Manufacturers of America, 2008).
12. Neither Payers nor Manufacturers Are Demanding Change
Innovation is integral to reducing our healthcare costs and
improving patient health, but our
current system provides little incentive for innovation.
Over the years, American health care has evolved into a system
whose primary goal is not patient
health outcomes, but rather containing short-term costs. If
achieving better patient outcomes were
the goal, the painstaking, time-intensive research and
development just described would have all
of the encouragement and backing it needs. Unfortunately, it
does not. The current system does
little to provide for innovation, and we all have equal
responsibility for this problem: payers,
manufacturers, and policy makers.
The fact is that both payers and drug manufacturers are
responsible for the current situation. Both
parties are living in a short-term environment focused on
delivering results to our shareholders.
However, if we maintain this short-term perspective, we cannot
unlock the true potential of
innovation.
For the last 20 years, the relationships between payers and the
pharmaceutical industry have been
focused largely on financial arrangements that are short term
and transactional in nature.
Manufacturers and payers engage in contract negotiations
intended to agree on a price that will
enable patients to access our products. These contracts also
drive market share. This is logical
behavior for companies focused on creating shareholder value.
Yet as we know, the value of
13. innovative therapies is not often realized within a single budget
cycle.
Florida’s Medicaid program and Pfizer tried to address this
issue through an innovative program
that ended abruptly in 2005 due to legislative changes. Pfizer
guaranteed $33 million of savings
over two years. Instead of paying supplemental rebates to
secure placement of its products on the
Medicaid formulary—money that does not always end up going
toward health care—Pfizer
implemented a disease management program. The true impact
on savings and patient outcomes
was never realized (Pfizer, 2004).
Today, we are beginning to recognize that if we take a longer-
term view and hold each other
accountable for delivering on health outcomes in addition to our
quarterly financial results, we
can do a better job for patients. So what can we do to foster a
long-term, holistic approach that
encourages increased innovation?
At AstraZeneca, we are starting to talk with like-minded payers
about concepts that will
transform our business relationships, have a positive impact on
patient health, provide the
incentives for pharmaceutical innovation, and still deliver on
payer business results. These
objectives do not have to be mutually exclusive.
Some of these concepts include tying discounts to metrics other
than market share, such as
medication adherence, lower copays for essential medicines,
and attainment of treatment goals.
We are finding that we will have to try some of these concepts
14. by piloting them with payers who
have integrated medical and pharmacy data and are comfortable
with defining and assuming risk.
Gradually, we are starting to see signs of a shift to a focus on
outcomes. Today, leading-edge
companies such as Pitney Bowes and Marriott are experimenting
with the concept of “value-
based insurance design,” a model that encourages the use of
high-value products and services
when the benefits outweigh the costs. The success has been
tangible, creating a real savings for
those organizations willing to step outside of the box and do
something different.
Pitney Bowes, for instance, reduced copayments for drugs
prescribed for diabetes and asthma. As
reported in the several publications including the Wall Street
Journal, the company realized a $1
million net savings in the first year from reducing complications
that are common in patients with
those diseases (Fuhrman, 2004, 2007; Mahoney, 2005).
A growing number of employers—Marriott, Mohawk Industries,
University of Michigan, and
even my own employer AstraZeneca—are beginning to
incorporate the lessons learned form
Pitney Bowes and other experiments, such as the well-known
Asheville Project, into their own
health benefit plans. Some health insurers are too. This kind of
innovation on the part of payers
provides the incentive for innovators to bring to market high-
value healthcare products, be they
pharmaceuticals, devices, or biologics.
15. The advantage of value-based benefit designs such as these is
that they not only allow companies
to better manage their costs, but also result in a healthier, more
productive workforce, which, for
any company, should be the objective of health care.
Where Do Providers and Patients Fit In?
We can talk as much as we want about paying for outcomes, but
it does not really become
meaningful until we start talking about the potential to improve
the health of patients.
In reality, the current system focus on cutting costs in the short
term over achieving long-term
results is standing between providers and their patients and
better outcomes. I will share one
example. Earlier this year, a Wilmington, Delaware,
cardiologist was invited to give an overview
of acute coronary syndrome to members of one of our
development teams. During the question-
and-answer session, the doctor was asked whether he had the
autonomy to use the treatments he
thinks are most appropriate for the individual patient. The short
answer was “no.”
The doctor responded that today he is confronted with
reimbursement methods that work against
each other and ultimately do not put the patient first.
Formularies require the use of generic
statins and make branded statins, which are often more effective
especially in high-risk patients,
more difficult to prescribe. At the same time, the Centers for
Medicare and Medicaid Services is
asking doctors to report on outcomes such as: Are these same
high-risk patients reaching certain
16. cholesterol goals? This doctor knows that generic options are
not likely to get his high-risk
patients to that goal, putting the doctor in a frustrating spot.
In short, we have a payment system that manages inputs instead
of encouraging outcomes. What
is clear to this doctor is that we need a system that focuses on
patient outcomes, not input
components. The prevailing “one-size-fits-all” approach does
not allow doctors to do what they
are trained to do: exercise their best clinical judgment for the
individual patient.
This physician is frustrated because he is aware of the inherent
conflict of competing
reimbursement methods. The patient’s behavior, however, is
shaped by those financial
incentives—unaware that the benefit design may not support his
or her health and welfare—and
all too often leads to negative health consequences.
Let me explain what I mean. Over the last decade, patients have
been asked to shoulder a greater
percentage of their prescription drug costs. On average, the out-
of pocket copayment for
prescription drugs is 22 percent. For doctors’ visits, it is 10
percent, and for hospital stays, the
copayment is 3 percent. There is ample evidence that patient
cost sharing lowers spending and
decreases pharmaceutical utilization. Evidence also shows that
these effects are more pronounced
as the copayments increase.
Yet does cost sharing decrease overall healthcare costs?
Evidence from studies by Dana Goldman
of RAND (Goldman et al., 2004), Mark Fendrick of the
17. University of Michigan and Michael
Chernew of Harvard University (Chernew et al., 2008), and
others (Kessler et al., 2007) tell us
that cost sharing decreases patient compliance with essential
medications in chronic disease and
actually increases utilization of other services, such as hospital
admissions and acute doctor or
emergency room visits.
Conclusion
What I have described today is a current system that is
unsustainable: a system where a patient
sees no other choice than to split pills in two or not take them at
all. The economic downturn will
only intensify the patient’s dilemma. As former U.S. Surgeon
General C. Everett Koop said,
“Drugs don’t work in patients that don’t take them” (Osterberg
and Blaschke, 2005).
The current system simply will not drive the incremental and
breakthrough innovation we need to
continue to bring patients groundbreaking, and sometimes
lifesaving, therapies. We are quickly
approaching a stalemate where the current system will either
drive or stop innovation. The risk,
then, is not finding potentially lifesaving therapies or changes
that could drastically improve
patient outcomes. Modern medicine has advanced tremendously
over the last 30 years, to the
point where we are asking, “Do you really need another drug to
treat hypertension or diabetes?
Can this disease really be managed any better at this point?”
18. Before answering, a statement attributed to Charles Deull,
Commissioner of the U.S. Patent
Office in 1899, should be considered: “Everything that can be
invented has been invented.”
We cannot afford to be short-sighted.
Every day at pharmaceutical companies, hundreds of decisions
are made around innovation.
When we invest, there is no guarantee that the scientific
investigation will result in products we
can bring to the market. Frequently we conduct the research and
analyze the data only to
conclude that our investment in a particular molecule will not
yield the expected value. However,
to continue to forge ahead, we need a system where that risk
and those “go/no-go” decisions, such
as the ones involving Galida, are ultimately rewarded. We need
a system that rewards innovative
therapies. We also need a system that is focused on delivering
the greatest long-term value to
patients.
Our timing is right. To echo the words and the charge of now
former Health and Human
Services Secretary Michael Leavitt when he spoke in this very
room, we are called “to be an
instrument of change and to try and solve the issues resulting
from the current Medicare
payment system. . . . [We are called] to work together to
propose a system that will not
compromise patient outcomes for short-term savings and will
not compromise innovation to
make short-term budgets.” (Leavitt, 2008)
19. INCENTIVES FOR PRODUCT INNOVATION—PAYER
PERSPECTIVE
Reed V. Tuckson, M.D., FACP, UnitedHealth Group
In my work at UnitedHealth Group, I am routinely excited by
the opportunities that we have to
facilitate access to the full range of comprehensive health and
medical services that people need.
Coordinating wellness, prevention, early diagnostic,
therapeutic, and restorative care services is
exciting and stimulating. However, the context for our work is
shaped significantly by the
dramatic escalation in healthcare costs and the related
challenges to affordability faced by
millions of our customers and other Americans. As such, we
have a responsibility to work with
all healthcare stakeholders to ensure that new innovations in
health and medical care delivery
work effectively, are cost-effective, and are used in a manner
consistent with scientific evidence
and expert physician-derived clinical guidance.
Unfortunately, our experiences mirror the published literature
that describes significant waste of
expensive healthcare assets (Fisher et al., 2003; Welch et al.,
1993; Wennberg et al., 2007). This
is unfair to people such as our small-employer customers, many
of whom may have mortgaged
their homes two or three times to make a go of it and who
tenuously employ five or six other
dependent people. So, while I am excited about innovation and
the potential that it can deliver,
we also have a responsibility to be extremely vigilant in
20. determining what is adopted and how it
is utilized within the total context of the delivery system.
It is clear from our experience that the existing care delivery
infrastructure is suboptimal in this
regard in several important ways:
• The availability of a robust and clinically relevant basic
science research agenda;
• The ability of expert physicians and medical specialty
societies to analyze and translate
science into clinical guidance;
• The ability to define specific population groups for which new
knowledge and innovations
are appropriate;
• The dissemination of knowledge to the profession and its
incorporation into appropriate
clinical practice through mechanisms such as continuing
medical education and
information technology; and
• The available support for appropriate patient decision making
in the context of the patient-
physician relationship.
Given this context, we have important work before us. First, the
Institute of Medicine needs to be
more active in providing guidance for the prioritization of
prevention research on the nation’s
research agenda. It is frustrating and inappropriate that so few
of our research dollars are devoted
to population, community, and individual prevention. It seems
that somehow we have made a
21. national decision to value high-intensity and complex medical
innovation much more than finding
and testing new and creative ways of preventing disease and
promoting wellness. Given the
escalation of preventable chronic disease and its associated
costs, we need a much more robust
research base regarding what works in prevention and the cost-
effectiveness of those
interventions.
Second, the ability to prioritize the agenda and the
infrastructure for the conduct of clinical trials
remains suboptimal. Inadequate funding for high-value
opportunities and insufficient supply of
researchers with available time are but two of the challenges to
this infrastructure.
Third, as widely recognized, comparative effectiveness research
is essential. However, support
for these studies and analytics needs to include not only clinical
comparisons of new innovations
against existing treatment interventions in the context of the
total management of a condition, but
also cost-effectiveness comparisons. Additionally, care should
be taken to ensure that the funding
mechanisms for new comparative effectiveness studies do not
threaten the viability and centrality
of the Agency for Healthcare Research and Quality (AHRQ) in
its leadership role for health
services research.
Fourth, medical specialty societies are poorly prepared and
significantly underresourced to
translate clinical research into guidance and performance
assessment measures. The culture of
medicine requires expert physician leadership and peer-to-peer
22. consultation in determining
clinical guidance. For example, I am excited about the work we
are doing with the American
College of Cardiology to support the creation of appropriateness
criteria, clinical guidance,
performance assessment, and continuing education in the use of
the rapidly growing and
expensive single-photon emission computed tomography
myocardial perfusion imaging (SPECT
MPI) for cardiac imaging. Unfortunately, very few other
societies are positioned to carry out
these types of analyses expeditiously and to do so in a cost-
effective way. Therefore, it is
important that AHRQ be provided with funding that can be used
to support our specialty societies
to accomplish this important work. If physicians are going to
exert the leadership that we expect,
our society needs to support their societies with the necessary
resources.
Finally, we also need to educate the American people to better
prepare them to make the
personally appropriate choices regarding the use of new and
expensive interventions, while also
being respectful of the economic consequences of ill-advised
decisions. In this new genetic era,
the decisions and choices that people are required to make will
be more complex than ever.
Unfortunately, they are poorly prepared to do so. It is in
everyone’s interest to better assist people
in their role as responsible stewards of their own health, in
addition to the use of expensive
technologies.
23. In conclusion, innovation in any field brings with it excitement
and optimism. In health care, at
its best, innovation can help people to live healthier lives,
prevent hospitalizations, and reduce the
misery and economic consequences of debilitating disease.
However, innovation, for its own
sake, is not particularly exciting, especially if it contributes
irresponsibly to misaligned priorities
and waste of precious healthcare assets. As such, all
stakeholders in health care have a
responsibility to think carefully about what we are trying to
achieve, the priorities for the use of
resources, and the accountability that each sector has for
maximizing access to affordable,
quality, health interventions that assist people in realizing their
greatest possible state of health.
APPROACHES TO IMPROVING VALUE: COVERAGE AND
REIMBURSEMENT
Steven D. Pearson, M.D., M.Sc., Institute for Clinical and
Economic Review
The sequel to Philip Pullman’s book The Golden Compass was
entitled The Subtle Knife. The
subtle knife was a knife so sharp that it could find the tiniest
crevices in the fabric of the universe
and slice openings to serve as passages between different
worlds. Its ability to distinguish minute
differences in space and time was beyond human understanding.
Its precision was absolute
(Pullman, 1997).
Coverage
24. No one, certainly, would argue that coverage policy is a subtle
knife. Coverage policies made by
public and private insurers cannot be designed to distinguish
minor differences between
individual clinicians and individual patients; rather, coverage
policies are generated for
populations. Interventions are judged upon their known effects
for populations of patients.
Historically—and legally—the dividing line between covered
and non-covered interventions for
private insurers is usually determined by whether interventions
are deemed “medically
necessary.” Any further definition of this dividing line
commonly includes requirements for
interventions to fall within generally accepted standards of
medical practice, to be clinically
appropriate in terms of type and frequency, and to not be
primarily for the convenience of the
patient. Even the sum of these criteria provides a relatively
weak tool for achieving improved
value in the healthcare system. Under these terms, frankly
“quack” treatments can be denied
coverage, as can wildly “inappropriate” interventions such as
month-long hospital stays to reduce
weight through monitored diets. But what about fine-tuning of
the use of costly interventions with
questionable risk-benefit ratios? Or encouraging the use of less
expensive and less invasive
treatment or diagnostic options that offer comparable net
benefits? Coverage by itself cannot
hope to advance these value goals.
Public insurers face the same problems. Coverage within the
Medicare system is guided by its
own statutory language requiring that payments not be made for
interventions that are not
25. “reasonable and necessary” (double negative in the original).
Despite more than 50 years of
experience, Medicare’s “reasonable and necessary” dividing
line for coverage has proven an even
blunter tool for improving value than the “medically necessary”
language of private payers. Over
the years there have been periodic attempts to define the
boundaries of “reasonable and
necessary” in a more rigorous and transparent fashion. CMS has
scheduled hearings and offered
draft language to give the term “reasonable and necessary” a
stronger basis. Yet each time an
effort has been launched, healthcare interests have found reason
to push back against what they
view will be tighter restrictions on coverage. Until recent years,
in fact, it has been felt by most
that the history of Medicare’s coverage decisions implies that
strong evidence of harm is required
before coverage will be denied. Denial of coverage has rarely
been used when evidence of benefit
over other options is lacking or even when evidence of any
benefit is lacking; the default has been
to provide coverage unless there is fairly clear and
incontrovertible evidence of harm for most
patients—a blunt knife, indeed.
However, there are ways for coverage policies to be designed
and implemented in order to be
more powerful tools for improving value. Some private health
insurance contracts include a
clause to the effect that services may not be considered
medically necessary if they are more
costly than an alternative service or sequence of services that is
26. at least as likely to produce
equivalent therapeutic or diagnostic results. Medicare has a
similar regulation that allows it, in
limited circumstances, to cover only the “least costly
alternative” for durable medical equipment
and injectable drugs.
Although this basic concept sounds like a potentially powerful
tool to improve value, in practice
it is seldom used. When used by private insurers, it is very
rarely employed to deny coverage for
a specific service; instead, the term is used to deny coverage for
a service that is used at a higher
frequency or intensity than considered appropriate. For
example, a payer may deny coverage for
injections provided weekly when monthly injections suffice. At
Medicare, even limited use of the
“least costly alternative” policy hit a major roadblock recently
when a court ruled that Medicare’s
statutory language did not in fact allow its application in the
consideration of medication
coverage. Therefore, although many have hoped that better
value could be achieved through
limiting coverage to less costly but comparable options, the
practical and legal challenges have
blunted the actual impact.
Reimbursement
If coverage has proven to be a blunt knife, what are the chances
that reimbursement policy can
prove more effective? It is easy to assume that private payers
could negotiate their own
reimbursement rates, paying more for high-value services and
less for low-value services. Yet
payers often have broad contracts with providers that outline
27. reimbursements rates based on
Medicare rates plus or minus 5 to 10 percent. This policy makes
Medicare the 800-pound gorilla
in reimbursement. As a result, payers’ and providers’ “value”
discussions are dominated by the
coding and relative value units (RVUs) used to determine
Medicare reimbursement. The basic
premise that Medicare “reimburses” according to a formula
based on physicians’ time, the
complexity of the service, and the cost of any material involved
makes it clear that reimbursement
is divorced from any consideration of the degree of clinical
benefit produced by the intervention.
Highlights of Policies from Public and Private Payers
Public Payers
Medicare Medicare is eagerly employing coverage with
evidence development (CED) as a
reimbursement tool. CED refers to the linkage of Medicare
coverage of specific, promising
technologies to a requirement that patients participate in a
registry or clinical trial. In recent years
this approach has been applied by CMS to the coverage of
several biologics approved for
colorectal cancer, implantable cardioverter defibrillators for
prevention of sudden cardiac death,
and positron emission tomography for patients with
malignancies. The policy was framed as
having a dual purpose: (1) to ensure at the time of service that
the care met the Medicare standard
of reasonable and necessary and, most notably, (2) to provide
28. the basis for longitudinal data
collection that would ultimately assist doctors and patients in
better understanding the risks,
benefits, and costs of alternative diagnostic and treatment
options.
Yet CED has proven challenging to use. There remains
uncertainty about whether CED is meant
to expedite diffusion of services while gathering evidence about
the service or whether it is
simply an auxiliary stipulation beyond standard evidence
requirements. This uncertainty hinders
rather than helps. However, CED continues to evolve and will
likely play an even greater role in
the future.
Medicare also has tried to reap improved value by bundling
Healthcare Common Procedure
Coding System (HCPCS) payment codes to allow blended
payment rates. If two HCPCS codes
are determined by Medicare to be essentially identical even
though they have significantly
different prices, Medicare can pay a blended rate for both of the
codes. A blended payment rate
gives greater incentive for providers to utilize the lower-priced
option because its lower base cost
to the provider will mean a higher marginal profit from the
payment. Blended payment is not
based on the same regulation as the “least costly alternative”
approach, but it serves much the
same purpose: using the coverage and payment system to favor
lower-priced options that have the
same clinical performance.
The most recent coverage innovation developed by Medicare to
foster value is its approach to
29. denying coverage for “never events”—adverse events such as
postoperative infections and blood
clots that are judged to be fully preventable. Although this
mechanism by itself is unlikely to
produce significant cost savings in the short term, it serves as a
reminder that Medicare views
itself on a path toward becoming a strategic value-based
purchaser of services. Through
nonpayment for “never events,” Medicare is progressing on the
road to paying for outcomes, not
just services. Great advances in value are likely as Medicare
continues down this path.
State governments The states also play important roles in
seeking new ways to use coverage and
reimbursement to promote value. One example is Washington
State, which passed legislation
creating a Health Care Authority (HCA) responsible for
performing health technology assessment
to guide coverage decisions. The Washington HCA has an 11-
member panel that makes coverage
decisions for all of the state’s public programs on the
transparent basis of safety, efficacy, and
cost-effectiveness. In the face of limited resources, the
program’s mandate is to increase value for
the state’s healthcare dollars.
Consider its decision regarding computed tomographic
colonography (CTC), which is a screening
test for colorectal cancer. The HTA commissioned the Institute
for Clinical and Economic
Review (ICER) at Massachusetts General Hospital to conduct an
evidence review for CTC
compared to traditional colonoscopy. Assessing both
comparative clinical effectiveness and
comparative value, ICER’s evidence review concluded that CTC
30. was clinically comparable to
colonoscopy for cancer screening but likely of low value
because of the higher costs and frequent
need for repeat testing. Yet the review suggested that if the cost
for CTC was lowered to one-third
of the cost of a colonoscopy, as is the case in parts of
Wisconsin, where several private insurers
cover CTC, CTC could be considered to be a high-value service.
In Washington State, since the
reimbursement rates for CTC and colonoscopy were equivalent,
the HCA decided not to cover
CTC for colorectal cancer screening at that time.
Private Payers
For private payers, tiered drug formularies, prior authorization,
centers of excellence, and tiered
networks of hospitals and providers represent a few of the
mechanisms they have developed to
apply evidence through benefits design and the management of
medical services to increase
value. For example, through tiering—now a near-universal part
of drug coverage—private payers
increase out-of-pocket payments for lower-value services and
drugs. Many private payers also
employ what are called step programs—or step edits—in which
patients with a particular
condition must start with a particular (lower-cost) drug and
have inadequate results with that drug
before the payer will extend coverage to a second, more
expensive drug.
Alongside step edits are often found physician edits, which
limit the prescription of certain drugs
31. to specific types of medical specialists who, it is assumed, are
more likely to have the clinical
experience to judge when a more expensive, and sometimes
more dangerous, drug is appropriate
for an individual patient.
Two publicly known examples of conditional coverage provide
a sense of how these approaches
can be used to improve value. One example involves the drug
trastuzumab, also known as
Herceptin, which is effective in the treatment of breast cancer
only among patients who have a
specific tumor marker. Herceptin can have significant side
effects and is also a very expensive
medication, making it important on many levels that it be used
only in patients who are likely to
benefit. In a study reported by UnitedHealthcare, however,
approximately 20 percent of enrolled
patients being treated with trastuzumab lacked the relevant
tumor marker (Culliton, 2008). A
considerable number of patients were receiving the drug without
any hope of benefiting from it.
As a result of this study, UnitedHealthcare developed a new
policy requiring documentation of
the tumor marker before extending coverage for the drug
(Phillips, 2008).
Another example of conditional coverage involves adalimumab
(Humira), a biological agent used
to treat rheumatoid arthritis. Health-Partners, a not-for-profit
payer in Minnesota, requires prior
approval for the medication, restricts its use to rheumatologists,
and sets dose limits of 40 mg
every other week. Additionally, adalimumab is reserved for
patients with rheumatoid arthritis
who have previously tried and failed at least a three-month trial
32. of an alternative agent. After
these criteria are met and approval is provided, the drug must be
obtained though a specific
specialty pharmacy. Through the integrated application of
physician edits, step edits, and dosage
limits, payers hope to increase value by targeting this expensive
medication to those patients who
need it and will most likely benefit from it.
Future Considerations for Coverage and Reimbursement
The future of reimbursement and coverage among private payers
may include risk-sharing
arrangements, such as the adoption of population capitation
arrangements. In these arrangements
a payer may contract with a pharmaceutical manufacturer for a
specific price to cover an entire
population. The goal of this arrangement is to provide a
reasonable profit to manufacturers while
incentivizing them to work toward appropriate use of the drug
within the population who will
benefit from it. Another type of risk-sharing arrangement that
may be seen in the future is one in
which provisional approval for coverage is given with initial
reference pricing for a new drug; the
potential for price increases in the future is tied to whether
future data evaluation demonstrates
increased efficacy over other options. Other types of risk-
sharing agreements that are likely to be
considered can be drawn from the experience in the United
Kingdom, where a value-based
evaluation process has led to various types of agreements. In
one example, a pharmaceutical
company received coverage for its drug only when it agreed to
reimburse the National Health
Service when the medication proves to be ineffective for a
33. patient.
The future of Medicare’s ability to use coverage and
reimbursement to improve value will depend
on its collaboration with manufacturers and physicians. All
parties should work together to
determine the role evidence will play in coverage,
reimbursement, and physician payments. It will
be helpful if CMS can provide clearer guidance to
manufacturers and others about general
guidelines for the evidence requirements needed for coverage
and reimbursement
determinations—for example, details regarding the
recommended length of and outcomes for
clinical trials. With the seeming demise of the least-costly-
alternative reimbursement approach,
hopefully Congress will take the opportunity to reformulate
reimbursement policies in light of
evidence of clinical value in order to give Medicare the tools it
needs to obtain the highest value
possible for every dollar spent.
State governments should continue to serve as important
laboratories for using evidence in
coverage and reimbursement in ways that advance value. They
may benefit from collaboration in
the commissioning of evidence reviews and can share their
lessons learned in translating evidence
into coverage and reimbursement to help guide states just
starting out on this path.
Finally, all stakeholders will benefit from an enhanced national
commitment to comparative
34. effectiveness research. A comparative effectiveness initiative
that produces and effectively
disseminates authoritative evidence on clinical and cost-
effectiveness will help patients and
clinicians make more “value-oriented” decisions on a day-to-
day basis. Better evidence will also
support innovative coverage and reimbursement policy that can
align all interests in providing
higher value. Coverage and reimbursement are relatively blunt
knives, but there are many ways to
control costs that are more subtle. With transparent links to
good evidence, coverage and
reimbursement have great potential to help patients and the
United States achieve a high-quality,
sustainable healthcare system.
REFERENCES
1. Agency for Healthcare Research and Quality. National
healthcare quality report.
Washington, DC: 2007.
2. Beaulieu ND, Horrigan DR. Putting smart money to work for
quality improvement. Health
Serv Res. 2005;40(5 Pt 1):1318–1334. [PMC free article:
PMC1361200] [PubMed:
16174136]
3. Chernew ME, Shah MR, Wegh A, Rosenberg SN, Juster IA,
Rosen AB, Sokol MC, Yu-
Isenberg K, Fendrick AM. Impact of decreasing copayments on
medication adherence
within a disease management environment. Health Aff
(Millwood) 2008;27(1):103–112.
[PubMed: 18180484]
35. 4. Culliton BJ. Insurers and “targeted biologics” for cancer: A
conversation with Lee N.
Newcomer. Health Affairs. 2008;27(1):w41–w51. [PubMed:
18042562]
5. Dougherty D, Conway PH. The “3T’s” road map to transform
U.S. health care: The “how”
of high-quality care. JAMA. 2008;299(19):2319–2321.
[PubMed: 18492974]
6. Fisher ES, Wennberg DE, Stukel TA, Gottlieb DJ, Lucas FL,
Pinder EL. The implications
of regional variations in Medicare spending. Part 1: The
content, quality, and accessibility
of care. Ann Intern Med. 2003;138(4):273–287. [PubMed:
12585825]
7. Fuhrman V. A radical prescription. Wall Street Journal, May.
2004;10:R3.
8. Fuhrman V. New tack on copays: Cutting them. Wall Street
Journal, May. 2007;8:D1.
9. Goldman DP, Joyce GF, Escarce JJ, Pace JE, Solomon MD,
Laouri M, Landsman PB,
Teutsch SM. Pharmacy benefits and the use of drugs by the
chronically ill. JAMA.
2004;291(19):2344–2350. [PubMed: 15150206]
10. Guterman S, Davis K, Schoenbaum S, Shih A. Using
Medicare payment policy to
transform the health system: A framework for improving
performance. Health Aff
(Millwood) 2009;28(2):w238–w250. [PubMed: 19174386]
11. Kessler RC, Cantrell CR, Berglund P, Sokol MC. The
effects of copayments on medication
36. adherence during the first two years of prescription drug
treatment. J Occup Environ Med.
2007;49(6):597–609. [PubMed: 17563602]
12. Leavitt MO. Presentation at the Institute of Medicine
Roundtable on Evidence-Based
Medicine. April. 2008;1:2008.
13. Lee TH. Eulogy for a quality measure. N Engl J Med.
2007;357(12):1175–1177. [PubMed:
17881749]
14. Mahoney JJ. Reducing patient drug acquisition costs can
lower diabetes health claims. Am
J Manag Care. 2005;11(5 Suppl):S170–S176. [PubMed:
16111439]
15. Osterberg L, Blaschke T. Adherence to medication. N Engl J
Med. 2005;353(5):487–497.
[PubMed: 16079372]
16. Pfizer C. DM did not fizzle in Florida Medicaid ruckus.
Managed Care. 2004;10:12.
[PubMed: 15490673]
17. Pharmaceutical Research and Manufacturers of America.
Pharmaceutical industry profile
2008. Washington, DC: 2008.
18. Phillips KA. Closing the evidence gap in the use of
emerging testing technologies in
clinical practice. JAMA. 2008;300(21):2542–2544. [PMC free
article: PMC2910511]
[PubMed: 19050197]
38. Communicating professionally and ethically is one of the
essential skill sets we can teach you at Strayer. The following
guidelines will ensure:
· Your writing is professional
· You avoid plagiarizing others, which is essential to writing
ethically
· You give credit to others in your work
Visit Strayer’s Academic Integrity Center for more information.
Winter 2019
https://pslogin.strayer.edu/?dest=academic-support/academic-
integrity-center
Strayer University Writing Standards 2
� Include page numbers.
� Use 1-inch margins.
� Use Arial, Courier, Times New Roman, or Calibri font style.
� Use 10-, 11-, or 12-point font size for the body of your text.
� Use numerals (1, 2, 3, and so on) or spell out numbers (one,
two, three, and so on).
Be consistent with your choice throughout the assignment.
� Use either single or double spacing, according to assignment
guidelines.
39. � If assignment requires a title page:
· Include the assignment title, your name, course title, your
professor’s name, and the
date of submission on a separate page.
� If assignment does not require a title page (stated in the
assignment details):
a. Include all required content in a header at the top of your
document.
or b. Include all required content where appropriate for
assignment format.
Examples of appropriate places per assignment: letterhead of a
business letter
assignment or a title slide for a PowerPoint presentation.
� Use appropriate language and be concise.
� Write in active voice when possible. Find tips here.
� Use the point of view (first, second, or third person) required
by the assignment
guidelines.
� Use spelling and grammar check and proofread to help
ensure your work is error free.
� Use credible sources to support your ideas/work. Find tips
here.
� Cite your sources throughout your work when you borrow
someone else’s words or ideas.
Give credit to the authors.
� Look for a permalink tool for a webpage when possible
40. (especially when an electronic
source requires logging in like the Strayer Library). Find tips
here.
� Add each cited source to the Source List at the end of your
assignment. (See the Giving
Credit to Authors and Sources section for more details.)
� Don’t forget to cite and add your textbook to the Source List
if you use it as a source.
� Include a Source List when the assignment requires research
or if you cite the textbook.
� Type “Sources” centered on the first line of the page.
� List the sources that you used in your assignment.
� Organize sources in a numbered list and in order of use
throughout the paper. Use the
original number when citing a source multiple times.
� For more information, see the Source List section.
General Standards
Use Appropriate
Formatting
Title Your Work
Write Clearly
Cite Credible
Sources
42. submission. (For
acceptable fonts, see General Standards section.)
� Use the point of view (first or third person) required by the
assignment guidelines.
� Section headings can be used to divide different content
areas. Align section
headings (centered) on the page, be consistent, and include at
least two section
headings in the assignment.
� Follow all other General Standards section guidelines.
� Title slides should include the project name (title your work
to capture attention if
possible), a subtitle (if needed), the course title, and your name.
� Use spacing that improves professional style (mixing single
and double spacing as
needed).
� Use a background color or image on slides.
� Use Calibri, Lucida Console, Helvetica, Futura, Myriad Pro,
or Gill Sans font styles.
� Use 28-32 point font size for the body of your slides (based
on your chosen font
style). Avoid font sizes below 24-point.
� Use 36-44 point font size for the titles of your slides (based
on chosen font style).
� Limit content per slide (no more than 7 lines on any slide
and no more than 7
43. words per line).
� Include slide numbers when your slide show has 3+ slides.
You may place the
numbers wherever you like (but be consistent).
� Include appropriate images that connect directly to slide
content or presentation
content.
� Follow additional guidelines from the PowerPoint or
Slideshow Specific Format
Guidelines section and assignment guidelines.
Strayer University Writing Standards 4
Giving Credit to Authors and Sources
When quoting or paraphrasing another source, you need to give
credit by using an in-text
citation. An in-text citation includes the author’s last name and
the number of the source from
the Source List. A well-researched assignment has at least as
many sources as pages (see
Writing Assignments for the required number of sources). Find
tips here.
Option #1: Paraphrasing
Rewording Source Information in Your Own Words
· Rephrase the source information in your words.
Be sure not to repeat the same words of the author.
· Add a number to the end of your source (which will tie
to your Source List).
44. · Remember, you cannot just replace words of the
original sentence.
ORIGINAL SOURCE
“Writing at a college level requires informed
research.”
PARAPHRASING
As Harvey wrote, when writing a paper for
higher education, it is critical to research and
cite sources (1).
When writing a paper for higher education,
it is imperative to research and cite sources
(Harvey, 1).
Option #2: Quoting
Citing Another Person’s Work Word-For-Word
· Place quotation marks at the beginning and the end of
the quoted information.
· Add a number to the end of your source (which will tie
to your Source List).
· Do not quote more than one to two sentences
(approximately 25 words) at a time.
· Do not start a sentence with a quotation.
· Introduce and explain quotes within the context of
your paper.
45. ORIGINAL SOURCE
“Writing at a college level requires informed
research.”
QUOTING
Harvey wrote in his book, “Writing at a college
level requires informed research” (1).
Many authors agree, “Writing at a college
level requires informed research” (Harvey, 1).
http://libdatab.strayer.edu/login?url=http://search.ebscohost.co
m/login.aspx?direct=true&db=ers&AN=98402046&site=eds-
live&scope=site
Strayer University Writing Standards 5
Page Numbers
When referencing multiple pages in a text book or other
large book, consider adding page numbers to help the
reader understand where the information you referenced
can be found. You can do this in three ways:
a. In the body of your paper;
or b. In the citation;
or c. By listing page numbers in the order they were
used in your paper on the Source List.
Check with your instructor or the assignment guidelines to
46. see if there is a preference based on your course.
IN-TEXT CITATION
(Harvey, 1, p. 16)
In the example, the author is Harvey, the source list number
is 1, and the page number that this information can be
found on is page 16.
Multiple Sources (Synthesizing)
Synthesizing means using multiple sources in one sentence
or paragraph (typically paraphrased) to make a strong
point. This is normally done with more advanced writing,
but could happen in any writing where you use more than
one source.
The key here is clarity. If you paraphrase multiple sources
in the same sentence (of paragraph if the majority of the
information contained in the paragraph is paraphrased),
you should include each source in the citation. Separate
sources using semi-colons (;) and create the citation in
the normal style that you would for using only one source
(Name, Source Number).
SYNTHESIZED IN-TEXT CITATION
(Harvey, 1; Buchanan, 2)
In the example, the authors Harvey and Buchanan were
paraphrased to help the student make a strong point.
Harvey is the first source on the source list, and Buchanan is
the second source on the source list.
47. Traditional Sources
Strayer University Writing Standards 6
Discussion Posts
When quoting or paraphrasing a source for discussion
threads, include the source number in parenthesis after the
body text where you quote or paraphrase. At the end of
your post, type the word “Sources” and below that include
a list of any sources that you cited.
If you pulled information from more than one source,
continue to number the additional sources in the order that
they appear in your post.
For more information on building a Source List Entry, see
Source List section.
SAMPLE POST
The work is the important part of any writing
assignment. According to Smith, “writing
things down is the biggest challenge” (1).
This is significant because…
The other side of this is also important. It is
noted that “actually writing isn’t important as
much as putting ideas somewhere useful” (2).
SOURCES
1. William Smith. 2018. The Way Things Are.
http://www.samplesite.com/writing
48. 2. Patricia Smith. 2018. The Way Things Really
Are. http://www.betterthansample.com/tiger
A web source is any source accessed through an internet
browser. Before using any source, first determine its credibility.
Then decide if the source is appropriate and relevant for your
project. Find tips here.
Home Pages
A home page is the main page that loads when you type
a standard web address. For instance, if you type Google.
com into the web browser, you will be taken to Google’s
home page.
If you do need to cite a home page, use the webpage’s
title from the browser. This found by moving your mouse
cursor over the webpage name at the top of the browser.
When citing a homepage, it is likely because there is a news
thread, image, or basic piece of information on a company
that you wish to include in your assignment.
Specific Web Pages
If you are using any web page other than the home page,
include the specific title of the page and the direct link (when
possible) for that specific page in your Source List Entry.
If your assignment used multiple pages from the same author/
source, create separate Source List Entries for each page
when possible (if the title and/or web address is different).
Web Sources
https://owl.purdue.edu/owl/research_and_citation/conducting_re
search/evaluating_sources_of_information/index.html
49. Strayer University Writing Standards 7
Effective Internet Links
When sharing a link to an article with your instructor and
classmates, start with a brief summary and why you chose
to share it.
Be sure to check the link you’re posting to be sure it will
work for your classmates. They should be able to just click
on the link and go directly to your shared site.
Share vs. URL Options
Cutting and pasting the URL (web address) from your browser
may not allow others to view your source. This makes it hard
for people to engage with the content you used.
To avoid this problem, look for a “share” option and choose
that when possible so your classmates and professor
get the full, direct link. Always test your link(s) before
submitting to make sure they work.
If you cannot properly share the link, include the article as an
attachment. Interested classmates and your professor can
reference the article shared as an attachment. Find tips here.
POOR EXAMPLE
Hey check out this article: http://www.
Jobs4You.FED/Jobs_u_can_get
BETTER EXAMPLE
After reading the textbook this week, I
50. researched job sites. I found an article on how
to find the best job site depending on the job
you’re looking for. The author shared some
interesting tools such as job sites that collect job
postings from other sites and ranks them from
newest to oldest, depending on category. Check
out the article at this link: http://www.Jobs4You.
FED/Jobs_u_can_get
Charts, images, and tables should be centered and followed by
an in-text citation. Design your page and place a citation
below the chart, image, or table. When referring to the chart,
image, or table in the body of the assignment, use the citation.
On your Source List, provide the following details of the visual:
· Author’s name (if created by you, provide your name)
· Date (if created by you, provide the year)
· Type (Chart, Image, or Table)
· How to find it (link or other information – See Source List
section for additional details).
Charts, Images, and Tables
https://nyti.ms/24L5XkV
Strayer University Writing Standards 8
Source List
The Source List (which includes the sources that you used in
your assignment) is a new page
you add at the end of your paper. The list has two purposes: it
gives credit to the authors that
you use and gives your readers enough information to find the
source without your help. Build
51. your Source List as you write.
· Type “Sources” at the top of a new page.
· Include a numbered list of the sources you used in your paper
(the numbers
indicate the order in which you used them).
1. Use the number one (1) for the first source used in the paper,
the number
two (2) for the second source, and so on.
2. Use the same number for a source if you use it multiple
times.
· Ensure each source includes five parts: author or
organization, publication date,
title, page number (if needed), and how to find it. If you have
trouble finding
these details, then re-evaluate the credibility of your source.
· Use the browser link for a public webpage.
· Use a permalink for a webpage when possible. Find tips here.
· Instruct your readers how to find all sources that do not have
a browser link
or a permalink.
· Separate each Source List Element with a period on your
Source List.
AUTHOR PUBLICATION DATE TITLE PAGE NO. HOW TO
FIND
The person(s) who
published the source. This
52. can be a single person,
a group of people, or an
organization. If the source
has no author, use “No
author” where you would
list the author.
The date the source was
published. If the source
has no publication date,
use “No date” where you
would list the date.
The title of the
source. If the
source has no title,
use “No title”
where you would
list the title.
The page
number(s) used. If
the source has no
page numbers,
omit this section
from your Source
List Entry.
Instruct readers how to find
all sources. Keep explanations
simple and concise, but
provide enough information
so the source can be located.
Note: It is your responsibility
to make sure the source can
be found.
54. Strayer University Writing Standards 9
1. Michael Harvey. 2013. The Nuts & Bolts of College Writing.
p. 1. http://libdatab.strayer.edu/
login?url=http://search.ebscohost.com/login.aspx
1. Michael Harvey. 2013. The Nuts & Bolts of College Writing.
p. 1. http://libdatab.strayer.edu/login?url=http://search.
ebscohost.com/login.aspx
2. William R. Stanek. 2010. Storyboarding Techniques chapter
in Effective Writing for Business, College and Life. http://
libdatab.strayer.edu/login?url=http://search.ebscohost.com/login
.aspx?direct=true&db=nlebk&AN=359141&site=e
ds-live&scope=site&ebv=EB&ppid=pp_23
3. Zyad Hicham. 2017. Vocabulary Growth in College-Level
Students’ Narrative Writing. http://libdatab.strayer.edu/
login?url=http://search.ebscohost.com/login.aspx?direct=true&d
b=edsdoj&AN=edsdoj.9b7fad40e529462bafe3a936
aaf81420&site=eds-live&scope=site
4. Anya Kamenetz. July 10, 2015. The Writing Assignment That
Changes Lives. https://www.npr.org/sections/
ed/2015/07/10/419202925/the-writing-assignment-that-changes-
lives
5. Brad Thor. June 14, 2016. The Best Writing Advice I Ever
Got. http://time.com/4363050/brad-thor-best-writing-advice/
6. Karen Hertzberg. June 15, 2017. How to Improve Writing
55. Skills in 15 Easy Steps. https://www.grammarly.com/blog/
how-to-improve-writing-skills/
7. Roy Peter Clark. 2008. Writing Tools: 55 Essential Strategies
for Every Writer. p.55-67. Book on Amazon.com.
8. C.M. Gill. 2014. The Psychology of Grading and Scoring
chapter in Essential Writing Skills for College & Beyond.
Textbook.
9. ABC Company’s Policy & Procedures Committee. No Date.
Employee Dress and Attendance Policy. Policy in my office.
10. Henry M. Sayre. 2014. The Humanities: Culture, Continuity
and Change, Vol. 1. This is the HUM111 textbook.
11. Savannah Student. 2018. Image. http://www.studentsite.com
12. Don Dollarsign. 2018. Chart.
http://www.allaboutthemoney.com
13. Company Newsletter Name. 2018. Table. Company
Newsletter Printed Copy (provided upon request).