Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Download or read book Improving Insurance for Consumers written by United States. Congress. House. Committee on Commerce. Subcommittee on Finance and Hazardous Materials and published by . This book was released on 2000 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Improving Insurance for Consumers written by United States. Congress. House. Committee on Commerce. Subcommittee on Finance and Hazardous Materials and published by . This book was released on 2000 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Private Long term Care Insurance and Standards to Provide for Improved Consumer Protection written by United States. Congress. House. Committee on Ways and Means. Subcommittee on Health and published by . This book was released on 1991 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Insurance and Behavioral Economics written by Howard C. Kunreuther and published by Cambridge University Press. This book was released on 2013-01-28 with total page 343 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the behavior of individuals at risk and insurance industry policy makers involved in selling, buying and regulation.
Download or read book Insuring QualityHow to Improve Quality Compliance Customer Service and Ethics in the Insurance Industry written by Les Abromovitz and published by CRC Press. This book was released on 1997-10-27 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: How can insurance providers boost their image and increase business? Hedy and Les Abromovitz's Insuring Quality takes a hard look at the insurance industry and suggests innovative new ways of improving customer satisfaction, turbo-charging sales and polishing the tarnished image of the industry. The insurance industry has an image problem. From Woody Allen movies to greeting cards, insurance agents are ridiculed as boring, overbearing pests out to make a quick buck at someone's expense. Recent criminal investigations into some of the nation's largest insurance providers have only made the situation worse. And that's bad news for insurance professionals - for more than any other business, the insurance industry is built on trust. This book was written by insurance professionals for insurance professionals - so every example in the book is based on a real-life situation. There's no ivory tower philosophizing or impenetrable jargon; just practical advice from two veterans who have examined the true relationship between quality, ethics, and customer service. As the authors say, "Insuring Quality will help your organization solve real-life problems. It's for the people in the trenches..."
Download or read book Health Insurance and Insights from Health Literacy written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2017-04-13 with total page 129 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the passage of the Patient Protection and Affordable Care Act (ACA), health care reform has created major changes in the U.S. health care system. The ACA has brought millions of people into the system who had no previous access, and many of these newly enrolled individuals have had limited experience navigating the complex and complicated U.S. health system. In July 2016 the National Academies of Sciences, Engineering, and Medicine convened a public workshop to examine health insurance through the lens of health literacy, focusing on literacy related barriers to information and coverage as well as on possible solutions. Participants discussed the role of health literacy in accessing health care and remaining in treatment; delivery and financing system reforms that affect organizational health literacy; and quality and equity considerations. This publication summarizes the presentations and discussions from the workshop.
Download or read book Consumers Knowledge about Their Health Insurance Coverage written by M. Susan Marquis and published by . This book was released on 1981-01-01 with total page 49 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report describes how much families know about their health insurance coverage and investigates whether consumer education and simplified benefit structures would improve knowledge. Families' perceptions about their insurance benefits were measured in two household surveys administered in six sites. Knowledge was assessed by comparing families' responses with policy data collected from the carrier. The vast majority of families understand insurance policies that specify one or two parameters in their benefit provisions. However, more complex payment structures are not well understood. Increased exposure to the plans' information leads to increased knowledge, suggesting that education programs could improve the general level of knowledge. The author concludes that if market strategies for allocating medical resources are pursued, simplifying insurance benefit structures and consumer education would aid consumers in making more informed economic choices about medical care.
Download or read book Streamlining Regulation Improving Consumer Protection and Increasing Competition in Insurance Markets written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment and published by . This book was released on 2013 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Improving Insurance for Consumers Increasing Uniformity and Efficiency in Insurance Regulation written by Michael R Bromwich and published by . This book was released on 2002-04 with total page 107 pages. Available in PDF, EPUB and Kindle. Book excerpt: Witnesses: J. Lee Covington, Dir., Ohio Dept. of Insur.; Richard Hillman, Assoc. Dir., Financial Institutions & Markets Issues, GAO; Robert Mendelsohn, CEO, Royal & SunAlliance, on Behalf of the Amer. Insur. Assoc.; Glen Milesko, Pres. & CEO, Banc One Insur. Services Corp., on behalf of the Amer. Bankers Assoc. Insur. Assoc.; Drayton Nabers, Jr., Chmn. & CEO, Protective Life Corp., on Behalf of the Amer. Council of Life Insurers; Ronald Smith, Pres., Smith, Sawyer & Smith, Inc., on behalf of the Independent Insur. AgFinancial Services Roundtable; & Philip Urban, Pres. & CEO, Grange Insur. Cos., on Behalf of the Nat. Assoc. of Mutual Insur. Co.
Download or read book Coverage Matters written by Institute of Medicine and published by National Academies Press. This book was released on 2001-10-27 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.
Download or read book The State of the Insurance Industry written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2010 with total page 476 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Improving Insurance for Consumers written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2018-01-08 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt: Improving insurance for consumers : increasing uniformity and efficiency in insurance regulation : hearing before Subcommittee on Finance and Hazardous Materials of the Committee on Commerce, House of Representatives, One Hundred Sixth Congress, second session, September 19, 2000.
Download or read book Insurance and Behavioral Economics written by Howard C. Kunreuther and published by . This book was released on 2012 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book examines the behavior of individuals at risk, insurance industry decision makers and policy makers involved in the selling, buying, and regulating of insurance"--
Download or read book How Insurers Spend Your Health Insurance Premiums written by United States United States Government and published by CreateSpace. This book was released on 2015-03-15 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Affordable Care Act holds health insurers accountable to consumers and ensures that American families receive value for their health insurance premium dollars. One such mechanism is the 80/20 rule, or Medical Loss Ratio (MLR) rule. The 80/20 rule brings consumers value, increases transparency and accountability, and promotes better business practices and competition among insurance companies. The 80/20 rule requires insurance companies to reveal how much of premium dollars they actually spend on health care and how much on profits and administrative costs such as salaries and marketing. Now, with the implementation of the 80/20 rule, consumers can see how insurance companies spend their premium dollars and make more informed decisions when purchasing health insurance. The 80/20 rule will become even more important beginning in 2014, when consumers and small employers will have access to state-based competitive Health Insurance Marketplaces (also known as Exchanges) where individuals and small businesses can use the 80/20 information to compare the value of health insurance plans. The 80/20 rule requires insurance companies to rebate any excess premium charged if they spend less than 80% of premiums on medical care and efforts to improve the quality of care (or at least 85% in the large group market). Under the 80/20 rule, insurance companies cannot keep more than 20% of premiums (or more than 15% in the large group market) for overhead and profits. Companies that spend 80% (85% in the large group market) or more on medical claims and improving health care quality already provide consumers with the required value for their premium dollars. In anticipation of the effective date of the 80/20 rule, some insurers have already modified their business practices and pricing to improve value to consumers for premium dollars.
Download or read book Insurance and Behavioral Economics written by Howard C. Kunreuther and published by Cambridge University Press. This book was released on 2013-01-28 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: Insurance is an extraordinarily useful tool to manage risk. When it works as intended, it provides financial protection to individuals and a profitable business model for insurance firms and their investors. But it is broadly misunderstood by consumers, regulators, and insurance executives. This book looks at the behavior of individuals at risk, insurance industry decision makers, and policy makers at the local, state, and federal level involved in the selling, buying, and regulating of insurance. It compares their actions to those predicted by benchmark models of choice derived from classical economic theory. When actual choices stray from predictions, the behavior is considered to be anomalous. With considerable sums of money at stake, both in consumer premiums and insurance company payouts, it is important to understand the reasons for anomalous behavior. Howard Kunreuther, Mark Pauly, and Stacey McMorrow examine these anomalies through the lens of behavioral economics, which takes into account emotions, biases, and simplified decision rules. The authors then consider if and how such behavioral anomalies could be modified to improve individual and social welfare. This book is neither a defense of the insurance industry nor an attack on it. Neither is it a consumer guide to purchasing insurance, although the authors believe that consumers will benefit from the insights it contains. Rather, this book describes situations in which both public policy and the insurance industry's collective posture need to change. This may require incentives, rules, and institutions to help reduce both inefficient and anomalous behavior, thereby encouraging behavior that will improve individual and social welfare.
Download or read book IMPROVING INSURANCE FOR CONSUMERS INCREASING UNIFORMITY AND HEARING SERIAL NO 106 155 COMMITTEE ON COMMERCE HOUSE OF REPRESENT written by United States. Congress. House. Committee on Commerce and published by . This book was released on 2001* with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
