The Utah Health Exchange is a Web site where individuals and businesses can compare and buy health plans. For more service, visit http://www.exchange.utah.gov
Suncorp Public Submission Inquiry into Microeconomic Reform Issues PaperFon Hah
This document is a submission from Suncorp to the Economic Regulation Authority of Western Australia regarding microeconomic reform in the state. Suncorp recommends introducing private capital into the workers compensation scheme for government agencies and the compulsory third party insurance scheme. This would drive greater investment and competition in the schemes. Suncorp also supports disability reform initiatives that could increase workforce participation rates in Western Australia. Microeconomic reforms of the statutory insurance market, including the potential privatization of schemes, could improve productivity in the large financial and insurance services sector and benefit the Western Australian economy.
This document provides an overview of the impact of the Patient Protection and Affordable Care Act (PPACA) on rural health in the United States. It discusses key provisions of the health reform law including the individual mandate requiring health insurance, the establishment of health insurance exchanges, subsidies for low-income individuals to purchase insurance, and the expansion of Medicaid eligibility. It also notes challenges in implementing the law such as state capacity and resistance, building up the primary care workforce, and uncertainty around funding levels. In conclusion, it questions whether sufficient money will be available to address the specific health issues facing rural Americans and help rural hospitals and physicians.
This document analyzes the political economy of financialization in UK pensions provision and intergenerational justice. It discusses how pensions require long-term cooperation between generations but financialization and changing demographics/economics undermine this. The state increasingly relies on individuals and markets through policies like auto-enrollment, despite risks. Critics argue this entrenches financialization rather than addressing its failures, and judge social provisions on "deservingness" not systematic needs. Alternative approaches proposed include citizens' payments, nationalizing pensions, and reducing the costs burden on pensions through lifecourse tax approaches.
Dr13 the future_of_health_care_insurance_whats_ahead3Ariel Porath
Deloitte is a global network of professional services firms that offers audit, consulting, risk advisory, and financial advisory services. It has member firms in over 150 countries worldwide that operate as separate legal entities. The document provides background information on Deloitte's legal structure and services, notes limitations on certain attest services for public accounting clients, and includes disclaimers around the general and non-professional nature of the publication's content. It also provides copyright information for Deloitte and the publication.
An analysis of the Indian Cashless Health Insurance Industry identifying the key structural deficiencies leading to a situation of distrust between parties involved. The study as a part of IIM, Indore’s Consulting competition, Chanakya, organized in association with Cognizant also proposes solutions for resolving the present imbroglio between the service providers and insurance companies.
The document discusses health insurance in India and considerations for devising an appropriate model. It provides an overview of healthcare spending and coverage in India compared to other countries. The key issues identified are the lack of adequate insurance coverage and low proportion of healthcare financing from insurance. Global experience shows that private insurance can play an important role alongside public schemes. An appropriate model for India would need to take a differentiated approach across population segments and consider factors like product scope, subsidies and incentives to encourage coverage expansion. Community-based health initiatives have shown success in reaching poorer segments in a cost-efficient manner.
The annual report summarizes Motability's activities in 2014/15, including overseeing the Motability vehicle scheme which provides mobility to over 650,000 disabled people. It discusses challenges from the rollout of Personal Independence Payments and the transition of 3,500 customers off the scheme. Motability continues to work closely with the DWP and provided £4.3 million in transitional support to affected customers. The report also reviews Motability's governance structure, financial performance, and goals for further supporting customers in 2015/16.
Suncorp Public Submission Inquiry into Microeconomic Reform Issues PaperFon Hah
This document is a submission from Suncorp to the Economic Regulation Authority of Western Australia regarding microeconomic reform in the state. Suncorp recommends introducing private capital into the workers compensation scheme for government agencies and the compulsory third party insurance scheme. This would drive greater investment and competition in the schemes. Suncorp also supports disability reform initiatives that could increase workforce participation rates in Western Australia. Microeconomic reforms of the statutory insurance market, including the potential privatization of schemes, could improve productivity in the large financial and insurance services sector and benefit the Western Australian economy.
This document provides an overview of the impact of the Patient Protection and Affordable Care Act (PPACA) on rural health in the United States. It discusses key provisions of the health reform law including the individual mandate requiring health insurance, the establishment of health insurance exchanges, subsidies for low-income individuals to purchase insurance, and the expansion of Medicaid eligibility. It also notes challenges in implementing the law such as state capacity and resistance, building up the primary care workforce, and uncertainty around funding levels. In conclusion, it questions whether sufficient money will be available to address the specific health issues facing rural Americans and help rural hospitals and physicians.
This document analyzes the political economy of financialization in UK pensions provision and intergenerational justice. It discusses how pensions require long-term cooperation between generations but financialization and changing demographics/economics undermine this. The state increasingly relies on individuals and markets through policies like auto-enrollment, despite risks. Critics argue this entrenches financialization rather than addressing its failures, and judge social provisions on "deservingness" not systematic needs. Alternative approaches proposed include citizens' payments, nationalizing pensions, and reducing the costs burden on pensions through lifecourse tax approaches.
Dr13 the future_of_health_care_insurance_whats_ahead3Ariel Porath
Deloitte is a global network of professional services firms that offers audit, consulting, risk advisory, and financial advisory services. It has member firms in over 150 countries worldwide that operate as separate legal entities. The document provides background information on Deloitte's legal structure and services, notes limitations on certain attest services for public accounting clients, and includes disclaimers around the general and non-professional nature of the publication's content. It also provides copyright information for Deloitte and the publication.
An analysis of the Indian Cashless Health Insurance Industry identifying the key structural deficiencies leading to a situation of distrust between parties involved. The study as a part of IIM, Indore’s Consulting competition, Chanakya, organized in association with Cognizant also proposes solutions for resolving the present imbroglio between the service providers and insurance companies.
The document discusses health insurance in India and considerations for devising an appropriate model. It provides an overview of healthcare spending and coverage in India compared to other countries. The key issues identified are the lack of adequate insurance coverage and low proportion of healthcare financing from insurance. Global experience shows that private insurance can play an important role alongside public schemes. An appropriate model for India would need to take a differentiated approach across population segments and consider factors like product scope, subsidies and incentives to encourage coverage expansion. Community-based health initiatives have shown success in reaching poorer segments in a cost-efficient manner.
The annual report summarizes Motability's activities in 2014/15, including overseeing the Motability vehicle scheme which provides mobility to over 650,000 disabled people. It discusses challenges from the rollout of Personal Independence Payments and the transition of 3,500 customers off the scheme. Motability continues to work closely with the DWP and provided £4.3 million in transitional support to affected customers. The report also reviews Motability's governance structure, financial performance, and goals for further supporting customers in 2015/16.
Alistair McGuire
This document summarizes a talk on the implications of the US health care reform. The talk is divided into two parts:
1. Alistair McGuire discusses health insurance concepts and models like separating equilibrium. He also explains provisions of the US reform like the insurance exchanges, subsidies, and requirements for individuals and employers.
2. Mireia Jofre-Bonet will discuss reflecting on the welfare effects of the reform and its potential impact on the supplementary health insurance market in Europe. She will analyze the reform's welfare implications and compare the exchanges to tax subsidies and Europe's supplementary insurance systems.
Stephen Frank - Role of Private Insurance for Prescription Drugs in CanadaPharmacare 2020
Private insurance plays an important role in supplementing Canada's public healthcare system by covering around 14% of total healthcare spending. While private insurers have to navigate a complex system with different provincial rules, they have adopted outsourcing and active plan management strategies to reduce costs and increase efficiency. Going forward, a mixed public-private system is optimal to ensure universal coverage while leveraging the strengths of both sectors in adapting to changes and controlling expenditures.
Social protection and the demand for private insurance in ghanaAlexander Decker
This document summarizes a research study on social protection and demand for private insurance in Ghana. The study examined the types of life insurance products offered by private insurers in Ghana and how well they meet customers' social security needs. It assessed customers' awareness and satisfaction with insurance products and the factors considered in product development. The main findings were that customers had some knowledge of products but could be more aware, and were satisfied with some insurer services. Insurers primarily considered customer attributes like age, risk level, health, and income when developing products. Customers saw positive impacts of insurance for death and retirement but not for working life.
Voluntary insurance policies provided by employers can help address rising health care costs and benefits challenges. As health care premiums increase faster than wages, employers are forced to reduce coverage while employees face higher deductibles and out-of-pocket costs. This places financial strain on both employers and employees. Voluntary insurance supplements existing health plans by providing additional benefits to help cover expenses with no added costs to employers. It enhances employee benefits packages and satisfaction while helping attract and retain talent. Over half of large employers offer voluntary insurance as an affordable solution to complex health care issues.
This document provides an overview and summary of key issues related to the implementation of the Patient Protection and Affordable Care Act (PPACA). It discusses how the realities of Massachusetts health reform foreshadowed challenges with PPACA, including rising costs. It also summarizes issues like delays to the employer mandate, the viability of "skinny plans", increased regulation of self-funding, and fiduciary duty concerns for third-party administrators. The document concludes by outlining some of the hottest issues in reform, such as essential health benefits, dependent coverage rules, and annual open enrollment periods.
A document discusses the evolving role of captives within the changing healthcare environment. It notes rising healthcare costs and the growth of accountable care organizations (ACOs) and self-insurance. Captives are increasingly being used to manage ACO and employee healthcare risks. Case studies show how group captives can generate savings for employers by pooling stop-loss insurance and improving risk management. Forming a successful captive requires thorough planning and establishing sound fundamentals.
This document discusses an overview of the Affordable Care Act (ACA) in 3 pages. It provides background on the ACA and its goals of making healthcare more affordable and accessible. Key points covered include expanding Medicaid eligibility, creating state-run health insurance exchanges, establishing essential health benefits, and implementing subsidies and penalties to increase insurance coverage. Frequently asked questions about the ACA are also addressed.
Legislative Update Patient Protections And Affordable Care Act Timeline 4 1...ForestFinancialGroup
Forest Financial Group provides a legislative update on the timeline for implementation of the Patient Protection and Affordable Care Act. Key provisions beginning in 2010 include a temporary reinsurance program for early retirees, establishing high-risk pools, and requiring dependent coverage until age 26. Starting in 2014, major reforms take effect such as prohibiting pre-existing condition exclusions, establishing health insurance exchanges, and expanding Medicaid eligibility. An excise tax on high-cost health plans begins in 2018.
The document discusses the benefits of establishing a group captive insurance program. It notes that previously the industry faced high pricing from insurers who did not recognize their focus on safety. By sharing loss information and forming a group captive, members saw premium rate reductions, more investment in safety programs, lower losses over time, and underwriting profits returned to the group. This led to expanded coverage options and a high member retention rate, providing a long-term, market-driven insurance solution for the industry.
Indian Cashless Health Insurance An OverviewUjjawal Jain
1) The document discusses improving the cashless health insurance system in India by learning from processes in Western markets.
2) It identifies key issues like high claim ratios, lack of standardization, and limited consumer awareness in the Indian system.
3) Recommendations include grading hospitals and insurance products, establishing standard operating procedures, conducting surprise audits, and improving distribution channels. The goal is to enhance quality, coverage, and cost-efficiency of health insurance in India.
Discussion of House and Senate Bills: The major provisions and the facts as to how they impact you and me: e.g. insured and uninsured, small business owners.
Debunking the myths: What the right-wing opponents of reform are saying and the truth.
Senate "Free-Rider" Provision fails to hold large employers accountableufcwinternational
A new report, "Health Care Reform and Walmart: What the Senate Health Care Reform Bill Means to the Country’s Largest Employer," outlines how that the Senate Health Care Bill, as written, fails to hold Walmart responsible for the health care costs of its 1.4 million employees.
Presentation The Valuation Of A Healthcare Institution Englishcdevries67
The document discusses the economic value of healthcare institutions and compares their value under different legal structures and investment scenarios. It provides cash flow forecasts through 2015 and beyond for a hospital under its current foundation structure both with and without capital expenditures. It also provides a cash flow forecast for the hospital under a ZBC (independent treatment center) legal structure without capital expenditures. The document calculates the discounted cash flows and net present value of the hospital under each scenario to determine its economic value.
This document outlines the stakeholders involved in health care reform and prevention efforts. It shows that health insurers, government agencies, non-profits, schools, universities, businesses, and media all play a role. Funding and support flows between these groups to administer preventive services, rehabilitative services, screenings, and treatments at the local, state, and national levels.
סלינגר למנכ"לי חברות הביטוח: חזקו את ההון הראשוני
בערב העיון השנתי לענף הביטוח שערך מכון קסירר אמרה המפקחת על הביטוח דורית סלינגר כי רמת ההון הראשוני של חברות הביטוח נמוכה מאוד. "אנו מצפים מהחברות להגדיל את ההון הראשוני שלהן, וכדאי שזה ייעשה באופן עצמאי ושהרגולטור לא ייאלץ להתערב" – אמרה סלינגר לראשי החברות
IX Fórum Nacional de Seguro de Vida e Previdência Privada - Chris MadsenCNseg
- International Trends in Risk Coverage Plans was a presentation given by Chris Madsen, CEO of Aegon Blue Square Re, in Sao Paolo, Brazil in June 2018.
- The presentation outlined key trends affecting insurance products and underwriting, including the growth of consumer data and risk classification, changes in product features and capital requirements, and increasing life expectancies.
- Emerging technologies like connected devices, data analytics, blockchain and artificial intelligence were also discussed as transforming the insurance value chain and enabling more personalized, interactive insurance products and distribution models.
Business Forward Solutions 2020 Policy Working Groupbusinessforward
On Tuesday, June 25, Business Forward will welcome Al Fitzpayne, Executive Director of the Aspen Institute Future of Work Initiative, and Massachusetts State Senator Eric Lesser, for a Solutions 2020 Policy Working Group call on the future of work.
This is the second of the Solutions 2020 Future of Work Policy Working Group series. On this working group call, policy experts and business leaders will outline the future of work challenges facing our country and begin discussing policy solutions. This webinar will focus on designing portable benefits to bring financial security to workers in a changing economy.
Health Care Reform After The Supreme Court Rulingwisdomjl
The document summarizes key aspects of the Supreme Court ruling on the Affordable Care Act and the expected impact of health care reform. It discusses the individual mandate being upheld under the taxing power, changes to insurance plans and exchanges beginning in 2014, penalties for employers not providing coverage, and increased costs and regulations for insurers, providers, and consumers. The document aims to help financial advisors and brokers understand and explain health care reform to their clients.
The document provides an overview of health insurance in India. It defines health insurance and describes what a typical health insurance policy covers, including room and boarding expenses, nursing costs, surgeon fees, and medical treatment costs. It notes that over 80% of Indians lack health insurance coverage. The major types of health insurance policies in India include hospitalization plans, pre-existing disease plans, senior citizen plans, maternity plans, daily cash plans, and critical illness plans. The document also outlines several government-run health insurance schemes in India like RSBY, Ayushman Bharat, and state-specific programs. It concludes with a discussion of public and private agencies involved in providing health insurance in India.
The document discusses voluntary disability insurance and its benefits. It notes that disability causes nearly 50% of mortgage foreclosures compared to 2% from death. It also states that group voluntary long-term disability insurance through an employer provides affordable protection for employees and growth opportunities for insurance providers. The annual premium for group voluntary LTD through Assurant Employee Benefits is on average $321, much lower than the $1,856 average for individual LTD policies.
The document discusses China's healthcare reform and the role of insurance. It notes that the Chinese government has emphasized expanding health insurance coverage through several policy initiatives since 2013. Currently, less than 5% of spending is on private health insurance and stand-alone medical policies make up only 2.5% of the insurance market. The document outlines challenges like high premiums, limited product choices, and a lack of education. Expanding private investment, developing new products, and improving regulations could help private insurance play a bigger role in supporting China's healthcare system and addressing needs like senior care.
Alistair McGuire
This document summarizes a talk on the implications of the US health care reform. The talk is divided into two parts:
1. Alistair McGuire discusses health insurance concepts and models like separating equilibrium. He also explains provisions of the US reform like the insurance exchanges, subsidies, and requirements for individuals and employers.
2. Mireia Jofre-Bonet will discuss reflecting on the welfare effects of the reform and its potential impact on the supplementary health insurance market in Europe. She will analyze the reform's welfare implications and compare the exchanges to tax subsidies and Europe's supplementary insurance systems.
Stephen Frank - Role of Private Insurance for Prescription Drugs in CanadaPharmacare 2020
Private insurance plays an important role in supplementing Canada's public healthcare system by covering around 14% of total healthcare spending. While private insurers have to navigate a complex system with different provincial rules, they have adopted outsourcing and active plan management strategies to reduce costs and increase efficiency. Going forward, a mixed public-private system is optimal to ensure universal coverage while leveraging the strengths of both sectors in adapting to changes and controlling expenditures.
Social protection and the demand for private insurance in ghanaAlexander Decker
This document summarizes a research study on social protection and demand for private insurance in Ghana. The study examined the types of life insurance products offered by private insurers in Ghana and how well they meet customers' social security needs. It assessed customers' awareness and satisfaction with insurance products and the factors considered in product development. The main findings were that customers had some knowledge of products but could be more aware, and were satisfied with some insurer services. Insurers primarily considered customer attributes like age, risk level, health, and income when developing products. Customers saw positive impacts of insurance for death and retirement but not for working life.
Voluntary insurance policies provided by employers can help address rising health care costs and benefits challenges. As health care premiums increase faster than wages, employers are forced to reduce coverage while employees face higher deductibles and out-of-pocket costs. This places financial strain on both employers and employees. Voluntary insurance supplements existing health plans by providing additional benefits to help cover expenses with no added costs to employers. It enhances employee benefits packages and satisfaction while helping attract and retain talent. Over half of large employers offer voluntary insurance as an affordable solution to complex health care issues.
This document provides an overview and summary of key issues related to the implementation of the Patient Protection and Affordable Care Act (PPACA). It discusses how the realities of Massachusetts health reform foreshadowed challenges with PPACA, including rising costs. It also summarizes issues like delays to the employer mandate, the viability of "skinny plans", increased regulation of self-funding, and fiduciary duty concerns for third-party administrators. The document concludes by outlining some of the hottest issues in reform, such as essential health benefits, dependent coverage rules, and annual open enrollment periods.
A document discusses the evolving role of captives within the changing healthcare environment. It notes rising healthcare costs and the growth of accountable care organizations (ACOs) and self-insurance. Captives are increasingly being used to manage ACO and employee healthcare risks. Case studies show how group captives can generate savings for employers by pooling stop-loss insurance and improving risk management. Forming a successful captive requires thorough planning and establishing sound fundamentals.
This document discusses an overview of the Affordable Care Act (ACA) in 3 pages. It provides background on the ACA and its goals of making healthcare more affordable and accessible. Key points covered include expanding Medicaid eligibility, creating state-run health insurance exchanges, establishing essential health benefits, and implementing subsidies and penalties to increase insurance coverage. Frequently asked questions about the ACA are also addressed.
Legislative Update Patient Protections And Affordable Care Act Timeline 4 1...ForestFinancialGroup
Forest Financial Group provides a legislative update on the timeline for implementation of the Patient Protection and Affordable Care Act. Key provisions beginning in 2010 include a temporary reinsurance program for early retirees, establishing high-risk pools, and requiring dependent coverage until age 26. Starting in 2014, major reforms take effect such as prohibiting pre-existing condition exclusions, establishing health insurance exchanges, and expanding Medicaid eligibility. An excise tax on high-cost health plans begins in 2018.
The document discusses the benefits of establishing a group captive insurance program. It notes that previously the industry faced high pricing from insurers who did not recognize their focus on safety. By sharing loss information and forming a group captive, members saw premium rate reductions, more investment in safety programs, lower losses over time, and underwriting profits returned to the group. This led to expanded coverage options and a high member retention rate, providing a long-term, market-driven insurance solution for the industry.
Indian Cashless Health Insurance An OverviewUjjawal Jain
1) The document discusses improving the cashless health insurance system in India by learning from processes in Western markets.
2) It identifies key issues like high claim ratios, lack of standardization, and limited consumer awareness in the Indian system.
3) Recommendations include grading hospitals and insurance products, establishing standard operating procedures, conducting surprise audits, and improving distribution channels. The goal is to enhance quality, coverage, and cost-efficiency of health insurance in India.
Discussion of House and Senate Bills: The major provisions and the facts as to how they impact you and me: e.g. insured and uninsured, small business owners.
Debunking the myths: What the right-wing opponents of reform are saying and the truth.
Senate "Free-Rider" Provision fails to hold large employers accountableufcwinternational
A new report, "Health Care Reform and Walmart: What the Senate Health Care Reform Bill Means to the Country’s Largest Employer," outlines how that the Senate Health Care Bill, as written, fails to hold Walmart responsible for the health care costs of its 1.4 million employees.
Presentation The Valuation Of A Healthcare Institution Englishcdevries67
The document discusses the economic value of healthcare institutions and compares their value under different legal structures and investment scenarios. It provides cash flow forecasts through 2015 and beyond for a hospital under its current foundation structure both with and without capital expenditures. It also provides a cash flow forecast for the hospital under a ZBC (independent treatment center) legal structure without capital expenditures. The document calculates the discounted cash flows and net present value of the hospital under each scenario to determine its economic value.
This document outlines the stakeholders involved in health care reform and prevention efforts. It shows that health insurers, government agencies, non-profits, schools, universities, businesses, and media all play a role. Funding and support flows between these groups to administer preventive services, rehabilitative services, screenings, and treatments at the local, state, and national levels.
סלינגר למנכ"לי חברות הביטוח: חזקו את ההון הראשוני
בערב העיון השנתי לענף הביטוח שערך מכון קסירר אמרה המפקחת על הביטוח דורית סלינגר כי רמת ההון הראשוני של חברות הביטוח נמוכה מאוד. "אנו מצפים מהחברות להגדיל את ההון הראשוני שלהן, וכדאי שזה ייעשה באופן עצמאי ושהרגולטור לא ייאלץ להתערב" – אמרה סלינגר לראשי החברות
IX Fórum Nacional de Seguro de Vida e Previdência Privada - Chris MadsenCNseg
- International Trends in Risk Coverage Plans was a presentation given by Chris Madsen, CEO of Aegon Blue Square Re, in Sao Paolo, Brazil in June 2018.
- The presentation outlined key trends affecting insurance products and underwriting, including the growth of consumer data and risk classification, changes in product features and capital requirements, and increasing life expectancies.
- Emerging technologies like connected devices, data analytics, blockchain and artificial intelligence were also discussed as transforming the insurance value chain and enabling more personalized, interactive insurance products and distribution models.
Business Forward Solutions 2020 Policy Working Groupbusinessforward
On Tuesday, June 25, Business Forward will welcome Al Fitzpayne, Executive Director of the Aspen Institute Future of Work Initiative, and Massachusetts State Senator Eric Lesser, for a Solutions 2020 Policy Working Group call on the future of work.
This is the second of the Solutions 2020 Future of Work Policy Working Group series. On this working group call, policy experts and business leaders will outline the future of work challenges facing our country and begin discussing policy solutions. This webinar will focus on designing portable benefits to bring financial security to workers in a changing economy.
Health Care Reform After The Supreme Court Rulingwisdomjl
The document summarizes key aspects of the Supreme Court ruling on the Affordable Care Act and the expected impact of health care reform. It discusses the individual mandate being upheld under the taxing power, changes to insurance plans and exchanges beginning in 2014, penalties for employers not providing coverage, and increased costs and regulations for insurers, providers, and consumers. The document aims to help financial advisors and brokers understand and explain health care reform to their clients.
The document provides an overview of health insurance in India. It defines health insurance and describes what a typical health insurance policy covers, including room and boarding expenses, nursing costs, surgeon fees, and medical treatment costs. It notes that over 80% of Indians lack health insurance coverage. The major types of health insurance policies in India include hospitalization plans, pre-existing disease plans, senior citizen plans, maternity plans, daily cash plans, and critical illness plans. The document also outlines several government-run health insurance schemes in India like RSBY, Ayushman Bharat, and state-specific programs. It concludes with a discussion of public and private agencies involved in providing health insurance in India.
The document discusses voluntary disability insurance and its benefits. It notes that disability causes nearly 50% of mortgage foreclosures compared to 2% from death. It also states that group voluntary long-term disability insurance through an employer provides affordable protection for employees and growth opportunities for insurance providers. The annual premium for group voluntary LTD through Assurant Employee Benefits is on average $321, much lower than the $1,856 average for individual LTD policies.
The document discusses China's healthcare reform and the role of insurance. It notes that the Chinese government has emphasized expanding health insurance coverage through several policy initiatives since 2013. Currently, less than 5% of spending is on private health insurance and stand-alone medical policies make up only 2.5% of the insurance market. The document outlines challenges like high premiums, limited product choices, and a lack of education. Expanding private investment, developing new products, and improving regulations could help private insurance play a bigger role in supporting China's healthcare system and addressing needs like senior care.
1. The document discusses health insurance in India, including its principles, risks, and current status.
2. It defines health insurance as a method to finance healthcare and minimize uncertainty from illness and treatment costs through risk pooling.
3. Key values of health insurance include solidarity, risk pooling, equity, and participation. There are three main types - social health insurance, private health insurance, and community health insurance.
This document provides an overview and definitions related to employer-sponsored health care plans. It discusses the origins and evolution of health care benefits provided by employers. It also reviews key regulations like the Affordable Care Act and the types of health care plan designs available, including fee-for-service, managed care (HMOs and PPOs), and consumer-driven plans. Specific topics covered include plan costs, covered benefits, and factors that influence health insurance premiums.
The document discusses how the struggling economy has led many employers to cut back on employee health benefits or require higher out-of-pocket costs. A survey found that a majority of employers have increased premiums, deductibles, and other health insurance costs for employees. This has left many employees concerned about unexpected medical expenses. The document proposes that voluntary benefits can address employee concerns without overburdening employers. Voluntary benefits include disability, life, accident, critical illness, and hospital indemnity insurance. A benefits professional can help design a strategic benefits plan to help both employers and employees navigate the changing insurance landscape.
This document discusses innovations in patient care including electronic health records (EHR), practice management systems (PMS), health information exchange (HIE), and personal health records (PHR). It then provides a detailed 7-page digest on the benefits of the Affordable Care Act (ACA) and how it can be used to educate voters on why they should support the ACA. The digest has been used in community meetings and to educate over 1,500 individuals.
Health insurance in India- Dr Suraj ChawlaSuraj Chawla
The document discusses health insurance in India. It defines health insurance and outlines some key milestones in its development. It describes various social health insurance schemes run by the central and state governments like CGHS, ESI and RSBY. It also discusses private health insurance schemes like Mediclaim and the roles of IRDA and TPAs. Overall, it provides a comprehensive overview of the health insurance landscape in India.
This document provides an overview of health insurance in India, including what it is, its importance, and common products. It discusses how health insurance works by pooling risks collectively. It outlines the rising costs of healthcare as a driver for health insurance penetration. Common plan types include individual, family floater, senior citizens, critical illness, daily hospital cash, and unit-linked plans. It also discusses government schemes like ESIS and CGHS, as well as community-based and employer-provided insurance options. Impediments to the industry like lack of data, pricing challenges, and government provision of care are also covered.
Health insurance and Labor Market in Bangladesh (Animated)Fahmida Ankhi
The document discusses the relationship between health insurance and the labor market. It begins with background on labor markets and health insurance. It then discusses how health is a form of human capital and that poor health can lead to lower wages and productivity. Health insurance may increase labor force participation by reducing healthcare costs and uncertainty. The document also provides an overview of health insurance in Bangladesh, noting low coverage rates but growing demand. It concludes by discussing how employer-provided health insurance can incentivize firms to employ more productive workers and substitute hours for additional workers.
The document provides an overview of health insurance, including definitions, history, principles, and types of health insurance systems. It discusses key concepts in health insurance like information problems, adverse selection, and moral hazard. It also describes major public health insurance schemes in India like the Employees' State Insurance (ESI) Scheme and the Central Government Health Scheme (CGHS), which provide coverage to government employees and their families.
The document discusses health insurance in India. It notes that India has a large population but low ranking on healthcare indexes and high out-of-pocket healthcare costs. There is a need to increase government health spending and expand health insurance coverage given its implications for economic development. It then discusses what health insurance is, the history of health insurance in India, common product types, trends in the industry, and low insurance penetration rates in India currently.
This document discusses various methods of health care financing in the United States including private insurance, public programs, and the Affordable Care Act. It covers key topics like the role of insurance, common health insurance terminology, types of private plans including employer-sponsored and individual plans, public programs like Medicare and Medicaid, and provisions and impacts of the ACA. The learning objectives are to understand concepts of health insurance, distinguish various plan types, examine public programs and insurance trends, and assess directions in health care financing.
Information on the history of health care in the U.S., the different health care systems of the world, and why we need the public option in health care reform.
Our group selected a recent annual report for WellPoint We assumed they approached our audit firm to hire us as their new auditor. We performed a preliminary analytical review and risk assessment, and wrote a report indicating to the partner-in-charge our recommendation with respect to this potential client. I completed the preliminary risk analytical review.
HealthCare Reform - 10 Things You Should Know Glenn Roland
The document discusses key aspects of the Patient Protection and Affordable Care Act (PPACA), including what it is, some of its key provisions, challenges that have been faced in its implementation, progress that has been made, and the timeline for some of its initiatives. As an example of a new care model introduced by the legislation, it describes Accountable Care Organizations (ACOs), which are intended to drive more coordinated care through incentives provided by the Centers for Medicare and Medicaid Services.
Report on Health insurance and consumer, it is an overview of what health insurance is all about, what are its scenario in India. It also explains about how the regulatory authority perform its function and hoe do they deal with the consumer, faulty transaction etc. We have done a survey of
This document discusses health insurance options in India, including social health insurance schemes like ESIS and CGHS, voluntary private health insurance, and community-based health insurance (CHI). It notes that while social health insurance covers only a small portion of the population, voluntary insurance plans are often unaffordable for the poor. CHI has potential to improve access and reduce costs for vulnerable groups, but faces challenges in India due to poverty, illiteracy, and lack of institutional support. The government has launched various initiatives over the years, including state-run insurance programs and public-private partnerships, to expand coverage.
The document summarizes several major health insurance schemes in India, including Rashtriya Swasthya Bima Yojana (RSBY), Employment State Insurance Scheme (ESIS), and Central Government Health Scheme (CGHS).
RSBY provides health insurance coverage to Below Poverty Line families, covering hospitalization costs up to Rs. 30,000 and transportation costs up to Rs. 1,000 per visit. Key features include portability of coverage across India and cashless/paperless transactions. ESIS covers employees in organized sectors, providing medical benefits from day one of employment as well as cash benefits for sickness, maternity, disability, and death. It is financed through contributions from employers and employees.
The Utah Veterinary Diagnostic Laboratory is a cooperative effort between the Utah Department of Agriculture and Food and Utah State University that provides laboratory testing and expertise to protect animal health, promote Utah's agricultural economy, and protect public health. It serves various groups including animal owners, veterinarians, and regulatory agencies. While accredited nationally, it has been running deficits in recent years as public funding has remained flat while operating costs have increased, leading to consequences like higher user fees, outsourcing tests, eliminating positions, and inability to adopt new technologies.
This document presents a report on health disparities by Utah state legislative district published by the Utah Department of Health Office of Health Disparities in January 2019. It includes profiles for each of Utah's 29 state senate districts and 75 state house districts that provide information on health indicators and disparities. The report utilizes Utah Small Areas, which group similar communities within legislative districts, and the Utah Health Improvement Index to assess health equity across districts in a novel way. The goal is to empower elected officials to address health disparities and improve outcomes in their constituencies.
Localscapes is a program created to promote more water-efficient landscaping in Utah. It provides a 5-step process for designing a landscape using local plants with less watering needed. Cost comparisons showed that a Localscapes design for a 0.22 acre property would save over 130,000 gallons of water per year compared to a traditional design, while only costing $1,873 more on average. The program offers rebates and incentives for homeowners who work with approved landscape professionals to install a qualifying Localscapes design. It is partnering with various organizations and growing a network of landscape designers, contractors, and retailers to promote water-efficient landscaping.
This document summarizes the results of surveys conducted between 1987-2017 to determine the success of a translocation program that aimed to reestablish a desert tortoise population in Zone 4. Key findings include:
1) Tortoise density and abundance have increased over time, from undetected in 1987-91 to 13.4 tortoises/sq km in 2017, compared to 19.6 tortoises/sq km in the reserve.
2) Translocated adult tortoises exhibited higher growth rates than reserve tortoises.
3) Translocated tortoises displayed high site fidelity within Zone 4 despite some movement greater than tortoises in other zones.
4) Mortality risks like
The Logan River Observatory collects and stores water quality and flow data from the Logan River and its tributaries. This data is used to inform water resource decisions, support education programs, and further understanding of issues like stormwater and drinking water. The observatory works with local agencies, researchers, and communities to ensure the data is accessible and can support efforts to manage water resources, balance competing demands, and plan for a changing climate.
This document outlines several workforce development programs in Utah receiving funding from Talent Ready Utah. Weber State University is leading programs in building design and construction and cybersecurity with ongoing funding of $260,000 and $295,000 respectively. Utah State University is leading a core IT statewide stackable credential pathway with $370,000 in ongoing funding.
The Utah Division of Forestry, Fire and State Lands is requesting appropriations for FY20. In 2018, Utah saw its most expensive and active fire season on record, with over 486,000 acres burned at an estimated cost of $42 million to the state. The Division is requesting $19.8 million in supplemental funding for 2018 fire suppression and rehabilitation costs. The Division also manages over 1.5 million acres of sovereign lands and provides forestry assistance. The document outlines several ongoing and one-time funding requests to support phragmites control on Great Salt Lake, management plans for Bear Lake and Dalton Wells, a land lease database, and the Catastrophic Wildfire Reduction Strategy.
The Division of Wildlife Resources director Mike Fowlks presented on February 1, 2019. Their mission is to serve Utah as trustee and guardian of the state's wildlife with a hardworking staff. Funding comes from various sources including general funds, restricted funds, dedicated credits, and federal funds. The division has improved technology efficiencies and completed a nature center. Winter conditions so far have provided good snow and wildlife are doing well. Ongoing drought and wildfires threaten wildlife habitat while aquatic invasive species require ongoing monitoring. A request was made for $405,000 to address these species. A $35,000,000 budget request was made to acquire the Tabby Mountain property to conserve wildlife habitat through various funding sources including general funds
The Utah Department of Transportation presented on several infrastructure and transportation projects and funding requests to the Infrastructure & General Government Appropriations Committee. They discussed the I-15 Technology Corridor project, data and input for long-range planning, implementing Senate Bill 136 which reorganized UDOT, and funding requests for aircraft replacement and maintenance in the Aeronautics program. They also requested additional funds for local government land use and planning technical assistance.
The document provides an overview of the Utah System of Technical Colleges' (UTech) proposed FY 2020 budget. It outlines five funding priorities: 1) employee compensation increases, 2) $7 million for employer-driven program expansion and student support, 3) $3 million for equipment funds, 4) $650,000 for Custom Fit program, and 5) $250,000 for additional data analyst and software engineer positions for the system office. The budget request aims to increase program offerings, student support, and system analytics capabilities to further align technical education with employer needs and economic growth in Utah.
This document from the Division of Drinking Water outlines criteria for public water systems and provides guidance to water system owners and operators. It discusses the federal definition of a public water system, categories of water systems, population estimates, permitting processes, and responsibilities for infrastructure associated with master meters and bulk water connections. The document seeks input on regulatory approaches to existing and future bulk meters to clarify responsibilities and protect public health.
The document summarizes data from a Utah legislative report on suicide prevention. It finds that Utah's suicide rate in 2017 was 25.6 per 100,000 people, comparable to previous years. Suicide rates were highest among white and American Indian males in rural areas where firearm suicide rates were also higher. The report also details funding and effectiveness of Utah's suicide prevention programs, and concludes that 85% of gun deaths in Utah are suicides, with recommendations around limiting access to firearms.
The Utah Division of Aeronautics annual report outlines funding amounts and projects. It distributed $3.29 million in state grants across 28 projects and $47.4 million in federal FAA grants across 25 projects. Major pavement projects in the past 5 years included runways at Ogden, Richfield, SkyPark, Morgan, Provo, Spanish Fork, Dutch John, Manti, and Logan airports. The report also describes Morgan County Airport's runway refurbishment project and reconstruction of Hanksville Airport, as well as Utah's nationally recognized flight training program and new FAA regulations for commercial drone operators.
This quarterly report from the Utah Division of Child and Family Services provides statistics and outcomes measures for the fourth quarter of FY2018. It summarizes data on referrals, child protective services investigations, in-home services, foster care, and kinship care. Some key findings include that 51% of referrals were accepted for investigation, the most common supported allegations were neglect, domestic violence, and sexual abuse, and over 90% of children did not have a subsequent supported CPS case within 12 months of their initial case.
This presentation provides an overview and history of FirstNet, a nationwide public safety wireless broadband network:
- FirstNet was created in 2012 by Congress to provide emergency responders with a dedicated communications network. It has partnered with AT&T to build and operate the network.
- The network is being deployed in phases from 2018-2022, with $200 million already invested in Utah. It provides priority access and preemption capabilities to ensure first responders have connectivity during emergencies.
- Unique features include a separate core from commercial networks, 24/7 security monitoring, and a lab that tests devices and applications on the network.
This document summarizes a performance audit of state energy incentives in the state. It finds that energy-incentivizing tax credits total $74 million annually and are still growing. Several grant and loan programs not focused on energy provide more incentives than those that are focused on energy. Utilities' energy incentive programs cost $438.6 million. The audit recommends clearly identifying program intent to better measure success and establishing appropriate metrics to evaluate whether programs accomplish energy goals cost-effectively.
This document summarizes historical trends and emerging issues related to transportation policy and funding in Utah. It outlines how the state's transportation budget has historically relied on motor fuel taxes and vehicle registration fees, but these revenues are stabilizing or declining. To address a growing funding shortfall compared to transportation needs, the state is exploring options like public-private partnerships, bonding programs, and demand management strategies to supplement traditional funding sources.
Histololgy of Female Reproductive System.pptxAyeshaZaid1
Dive into an in-depth exploration of the histological structure of female reproductive system with this comprehensive lecture. Presented by Dr. Ayesha Irfan, Assistant Professor of Anatomy, this presentation covers the Gross anatomy and functional histology of the female reproductive organs. Ideal for students, educators, and anyone interested in medical science, this lecture provides clear explanations, detailed diagrams, and valuable insights into female reproductive system. Enhance your knowledge and understanding of this essential aspect of human biology.
Cell Therapy Expansion and Challenges in Autoimmune DiseaseHealth Advances
There is increasing confidence that cell therapies will soon play a role in the treatment of autoimmune disorders, but the extent of this impact remains to be seen. Early readouts on autologous CAR-Ts in lupus are encouraging, but manufacturing and cost limitations are likely to restrict access to highly refractory patients. Allogeneic CAR-Ts have the potential to broaden access to earlier lines of treatment due to their inherent cost benefits, however they will need to demonstrate comparable or improved efficacy to established modalities.
In addition to infrastructure and capacity constraints, CAR-Ts face a very different risk-benefit dynamic in autoimmune compared to oncology, highlighting the need for tolerable therapies with low adverse event risk. CAR-NK and Treg-based therapies are also being developed in certain autoimmune disorders and may demonstrate favorable safety profiles. Several novel non-cell therapies such as bispecific antibodies, nanobodies, and RNAi drugs, may also offer future alternative competitive solutions with variable value propositions.
Widespread adoption of cell therapies will not only require strong efficacy and safety data, but also adapted pricing and access strategies. At oncology-based price points, CAR-Ts are unlikely to achieve broad market access in autoimmune disorders, with eligible patient populations that are potentially orders of magnitude greater than the number of currently addressable cancer patients. Developers have made strides towards reducing cell therapy COGS while improving manufacturing efficiency, but payors will inevitably restrict access until more sustainable pricing is achieved.
Despite these headwinds, industry leaders and investors remain confident that cell therapies are poised to address significant unmet need in patients suffering from autoimmune disorders. However, the extent of this impact on the treatment landscape remains to be seen, as the industry rapidly approaches an inflection point.
TEST BANK For An Introduction to Brain and Behavior, 7th Edition by Bryan Kol...rightmanforbloodline
TEST BANK For An Introduction to Brain and Behavior, 7th Edition by Bryan Kolb, Ian Q. Whishaw, Verified Chapters 1 - 16, Complete Newest Versio
TEST BANK For An Introduction to Brain and Behavior, 7th Edition by Bryan Kolb, Ian Q. Whishaw, Verified Chapters 1 - 16, Complete Newest Version
TEST BANK For An Introduction to Brain and Behavior, 7th Edition by Bryan Kolb, Ian Q. Whishaw, Verified Chapters 1 - 16, Complete Newest Version
Local Advanced Lung Cancer: Artificial Intelligence, Synergetics, Complex Sys...Oleg Kshivets
Overall life span (LS) was 1671.7±1721.6 days and cumulative 5YS reached 62.4%, 10 years – 50.4%, 20 years – 44.6%. 94 LCP lived more than 5 years without cancer (LS=2958.6±1723.6 days), 22 – more than 10 years (LS=5571±1841.8 days). 67 LCP died because of LC (LS=471.9±344 days). AT significantly improved 5YS (68% vs. 53.7%) (P=0.028 by log-rank test). Cox modeling displayed that 5YS of LCP significantly depended on: N0-N12, T3-4, blood cell circuit, cell ratio factors (ratio between cancer cells-CC and blood cells subpopulations), LC cell dynamics, recalcification time, heparin tolerance, prothrombin index, protein, AT, procedure type (P=0.000-0.031). Neural networks, genetic algorithm selection and bootstrap simulation revealed relationships between 5YS and N0-12 (rank=1), thrombocytes/CC (rank=2), segmented neutrophils/CC (3), eosinophils/CC (4), erythrocytes/CC (5), healthy cells/CC (6), lymphocytes/CC (7), stick neutrophils/CC (8), leucocytes/CC (9), monocytes/CC (10). Correct prediction of 5YS was 100% by neural networks computing (error=0.000; area under ROC curve=1.0).
Does Over-Masturbation Contribute to Chronic Prostatitis.pptxwalterHu5
In some case, your chronic prostatitis may be related to over-masturbation. Generally, natural medicine Diuretic and Anti-inflammatory Pill can help mee get a cure.
Here is the updated list of Top Best Ayurvedic medicine for Gas and Indigestion and those are Gas-O-Go Syp for Dyspepsia | Lavizyme Syrup for Acidity | Yumzyme Hepatoprotective Capsules etc
Osteoporosis - Definition , Evaluation and Management .pdfJim Jacob Roy
Osteoporosis is an increasing cause of morbidity among the elderly.
In this document , a brief outline of osteoporosis is given , including the risk factors of osteoporosis fractures , the indications for testing bone mineral density and the management of osteoporosis
TEST BANK For Basic and Clinical Pharmacology, 14th Edition by Bertram G. Kat...rightmanforbloodline
TEST BANK For Basic and Clinical Pharmacology, 14th Edition by Bertram G. Katzung, Verified Chapters 1 - 66, Complete Newest Version.
TEST BANK For Basic and Clinical Pharmacology, 14th Edition by Bertram G. Katzung, Verified Chapters 1 - 66, Complete Newest Version.
TEST BANK For Basic and Clinical Pharmacology, 14th Edition by Bertram G. Katzung, Verified Chapters 1 - 66, Complete Newest Version.
TEST BANK For Basic and Clinical Pharmacology, 14th Edition by Bertram G. Katzung, Verified Chapters 1 - 66, Complete Newest Version.
2. Who are the 11.9%?
iCurrently Uninsured (11.9%) 306,500
By Age:
-Children, Under 19 years old 89,500
-Young Adults, 19 to 34 years old 140,200
-Adults, 35 years old or older 76,800
-Note: Figures in these categories do not sum to the total
because of missing values on the grouping variable.
By Employment Status:
-Adults, 19-64 with Full-time jobs (35%) 107,600
-Adults, 19-64 with Part-time jobs (13%) 39,300
-Adults, 19-64 who are Self-employed (12%) 36,200
8/15/2007
3. Key Factors – The Young Immortals
i75% of the 11% (229,000) are under age 34
i68% of uninsured adults (147,000) have jobs
iAround 70% of uninsured workers work for small business
iThere are also many uninsured who are dependents of people
with jobs
iThere are around 25,000 uninsured full-time college students
iThe Young Immortals are the primary group of free riders in
the health care system
8/15/2007
4. Organizing Principles for Insuring Everyone
iGive needed attention to the small group market
iReverse the trend of businesses discontinuing insurance
benefits
iIntroduce competition and individual choice
iInsure people while they are young and healthy
iCreate an Exchange to facilitate the purchase of
insurance with pre-tax dollars where possible
iFacilitate purchase of insurance by part-time workers
and workers with more than one job
iCreate a social attitude of insurance and personal
responsibility
8/15/2007
5. Goals
iMake it easier and more appealing for
Utah’s individuals and families to
purchase health insurance
iGive employers another tool to provide
valuable benefits to Utah’s workers
iIncreased the number of insured Utahns
& decrease the uninsured population
iPromote a culture of insurance and
personal responsibility
8/15/2007
6. Description of the Exchange
iIt is a mechanism to facilitate purchase
iLegal structure to coordinate
-Workers using pre-tax income
-Employer contributions
-Federal and state subsidies
iThe Exchange is a state-chartered not-for-
profit corporation
iThe Exchange is not government-sponsored
insurance
iThe Exchange is not a risk pool
iThe Exchange is not a regulator
8/15/2007
7. Stock Exchange vs. Insurance Exchange
Individual Individual
Investor Consumer
Investment
Broker/Agent
Firm
Securities Utah
Exchange Department
Commission of Insurance
New York Utah
Stock Health Insurance
Exchange Exchange
Publicly Traded Insurance
Companies Carriers
8/15/2007
8. Insuring Individuals and Employees of
Small Business
Utah Health
Insurance
Exchange
Choice of Private The Utah Insurance Exchange is a
Health Plan clearinghouse for private health plans.
Working
• Employers offer a pre-tax health plan to
Families
all employees
Pre-tax Premiums • Allows employers to use a defined
contribution system
Private • Working families choose plans to meet
Health their needs
Defined contribution Employers • Health insurance premiums are tax free
Plans (pre-tax)
• Health insurance becomes portable and
flexible
Subsidy for UPP
qualifying families
8/15/2007
9. The Functions of the Exchange
iApprove private health insurance
products for inclusion
iFacilitate enrollment and choice
iCollect and consolidate payments
iSend funds to insurance companies
8/15/2007
10. Benefits for Employees
iEmployees elect to participate
iCan select any offered plan for
themselves and their family
iInformation on cost and coverage
comparisons
iPre-tax withholding
iPortable and flexible coverage
8/15/2007
11. Benefits for Employers
iChoose to designate the Exchange as
their group health plan – simplifies
administration
iNo need to research, negotiate, or
designate one option for all workers
iVoluntary contribution amounts
iContributions from multiple employers
can be pooled
8/15/2007
12. Public Subsidies
iQualifying workers can apply for
subsidies
iThe Utah Premium Partnership for Health
Insurance (UPP)
iPublic dollars reduce employees’ share of
premiums
8/15/2007
13. Employer Obligations
iEmployers might still offer current group
plans
iAt a minimum, employers must make
the Exchange available by:
-Setting up a Section 125 plan
-Collecting premiums
-Submitting premiums to the Exchange
iContribution requirement?
8/15/2007
14. Insurance Market Impact
iThe Exchange would be the only marketplace
for individual and family policies
iThe Exchange could become the sole
marketplace for small group plans
iInsurers compete for business by offering
appealing policies
iExchange requirements would prevent niche
products and cherry-picking – all insurers
would have to offer an “essential benefit” plan
8/15/2007
15. Risk Sharing in the Exchange
iSome mechanism is needed to address
uninsurable individuals
iVarious options will be explored:
-Community rating
-Rating bands
-Rate regulation
-Reinsurance
-HIP Utah
8/15/2007
16. The Role of Brokers/Agents in the Exchange
iLicensed and trained producers provide a
valuable service
iAdvice and counseling on plan selection
iEnrollment of individuals and groups
iReceive a commission for services
rendered
iAdjust services provided in a changing
marketplace
8/15/2007
17. Advantages of the Exchange Model
iAffordability (Tax Savings)
iCombining Resources
iSimplified Process
iPrivate Solution
iFlexibility and Choice
iPortability
iPromotes Shift to Defined Contribution
iMechanism for Reaching Non-Traditional
Workers
8/15/2007
18. Individual Responsibility
iRequiring everyone to be insured
iPros
-Eliminates cost-shifting of the uninsured
-Eliminates risk-selection issues
iCons
-How do you enforce an individual mandate?
-How do you ensure an affordable product is
available?
8/15/2007