Download or read book Genetics and Life Insurance written by Mark A. Rothstein and published by MIT Press. This book was released on 2004 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: Experts discuss the economic, legal, and social issues surrounding the use of genetic testing in determining eligibility for life insurance. Insurance companies routinely use an individual's medical history and family medical history in determining eligibility for life insurance; this is part of the process of medical underwriting. Insurers have also long used genetic information, often derived from family history, in underwriting. But rapid advances in gene identification and genetic testing are changing the way we look at genetic information. Should the results of genetic testing (which might identify a predisposition toward disease not related to medical history) be available to life insurance medical underwriters? Few if any life insurers currently require genetic testing, but there are no laws or regulations prohibiting its use. Genetics and Life Insurance examines the complex economic, legal, and social issues surrounding the use of genetic information in life insurance underwriting. The contributors are legal scholars, representatives of the life insurance industry (including an actuary and an insurance physician), a geneticist, a genetic counselor, a philosopher, and a consumer advocate. They explore all aspects of an issue that has only recently drawn the attention of policymakers and the public. The book opens with a report on the results of a public opinion poll on genetics and life insurance. Succeeding chapters present the insurer perspective, a discussion of the economics of risk selection in life insurance, background information on the process of underwriting, a scientific analysis of genetic risks and mortality rates, a philosophical discussion of fairness and genetic underwriting, the viewpoints of consumers and genetics counselors, a comparison of different international policy approaches to the issue, and a legal analysis of antitrust implications when insurers collaborate in setting standards for medical underwriting. In the final chapter the editor addresses various policy options, examining the pros and cons of each one and assessing their political feasibility.
Download or read book Life Insurance and Medicine written by Harry E. Ungerleider and published by . This book was released on 1958 with total page 1026 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Life And Health Insurance 13th Edition written by Black Kenneth Et.Al and published by . This book was released on 2003-01-01 with total page 1060 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 Annals of Life Insurance Medicine written by Robert D.C. Brackenridge and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 219 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Medical Insurance Made Easy E Book written by Jill Brown and published by Elsevier Health Sciences. This book was released on 2013-08-02 with total page 554 pages. Available in PDF, EPUB and Kindle. Book excerpt: - Features completely updated information that reflects the many changes in the insurance industry. - Contains a new chapter on UB-92 insurance billing for hospitals and outpatient facilities. - Includes a new appendix, Quick Guide to HIPAA for the Physician's Office, to provide a basic overview of the important HIPAA-related information necessary on the job.
Download or read book Annals of Life Insurance Medicine written by and published by . This book was released on 1980 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Your Money or Your Life written by David M. Cutler and published by Oxford University Press. This book was released on 2004-02-05 with total page 175 pages. Available in PDF, EPUB and Kindle. Book excerpt: The problems of medical care confront us daily: a bureaucracy that makes a trip to the doctor worse than a trip to the dentist, doctors who can't practice medicine the way they choose, more than 40 million people without health insurance. "Medical care is in crisis," we are repeatedly told, and so it is. Barely one in five Americans thinks the medical system works well. Enter David M. Cutler, a Harvard economist who served on President Clinton's health care task force and later advised presidential candidate Bill Bradley. One of the nation's leading experts on the subject, Cutler argues in Your Money or Your Life that health care has in fact improved exponentially over the last fifty years, and that the successes of our system suggest ways in which we might improve care, make the system easier to deal with, and extend coverage to all Americans. Cutler applies an economic analysis to show that our spending on medicine is well worth it--and that we could do even better by spending more. Further, millions of people with easily manageable diseases, from hypertension to depression to diabetes, receive either too much or too little care because of inefficiencies in the way we reimburse care, resulting in poor health and in some cases premature death. The key to improving the system, Cutler argues, is to change the way we organize health care. Everyone must be insured for the medical system to perform well, and payments should be based on the quality of services provided not just on the amount of cutting and poking performed. Lively and compelling, Your Money or Your Life offers a realistic yet rigorous economic approach to reforming health care--one that promises to break through the stalemate of failed reform.
Download or read book Annals of Life Insurance Medicine written by Eugene V. Higgins and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: The year in which this first number of "Annals of Life Insurance Medicine" goes to press happens to be the Fiftieth Anniversary of the Swiss Reinsurance Com pany's activity in the field of underwriting and reassuring those risks which later became known as "substandard lives". In retrospect, it is a far cry from the old days when life assurance proposals were either accepted or rejected on medical grounds to the modern principles and methods of rating substandard cases both medically and actuarially. It can be assumed that in the course of the last few decades solutions, or at least approxi mate solutions sufficiently accurate for practical purposes, have been found to most of the numerous and often rather tricky actuarial problems relating to substandard policies, adequate premiums and reserves. No Life Assurer to-day however can fail to recognize that actuarial skill may only be applied to of medical assessment. Even the lay under substandard life risks on the basis writer certainly realizes that the medical and statistical problems inherent in the underwriting of substandard risks are infinitely more complex than any actuarial consequences of a calculated or assumed extramortality. It is primarily this basic fact which has stimulated the Swiss Reinsurance Company's plans to intensify and develop its research work in the field of the medical assessment of substandard lives.
Download or read book Annals of Life Insurance Medicine written by Swiss Reinsurance Company and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 391 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Annals of Life Insurance Medicine 5 written by E. Tanner and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the preface to Volume 1 of the 'Annals of Life Insurance Medicine' Dr. MAX E. EISENRING described the goal of this publication as follows: "Any project which aims at contributing substantially to the modern science of medical underwriting can do so only if the many people preoccupied with these problems throughout the world join forces to the ultimate benefit of those most in need of life assurance." In an endeavour to keep the life insurance medical directors all over the world informed of the developments in the field of life insurance medicine, we have decided to publish the papers which were presented at the 11 th International Congress of Life Assurance Medicine in Mexico in 1973 in Volume 5 of the 'Annals'. We are most grateful to Dr. J. REN06N, President of the Organizing Commit tee of the Congress in Mexico for having consented to our publishing the proceed ings of the Congress in a special edition of the 'Annals'. It is a source of great satisfaction to us that in this way a much larger circle of life insurance medical directors can be reached than would have been the case if only the participants themselves were to receive the proceedings of the Congress. Dissemination of the results of medical research on an international basis, in particular those findings that have a bearing on life insurance medicine, is one of our foremost aims.
Download or read book Health Insurance is a Family Matter written by Institute of Medicine and published by National Academies Press. This book was released on 2002-09-18 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well-being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.
Download or read book Annals of Life Insurance Medicine written by Swiss Reinsurance Company and published by Springer Science & Business Media. This book was released on 1962 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Brackenridge s Medical Selection of Life Risks written by R.D.C. Brackenridge and published by Springer. This book was released on 2016-02-26 with total page 1085 pages. Available in PDF, EPUB and Kindle. Book excerpt: The fifth edition of this leading reference book on insurance medicine, provides a comprehensive guide to life expectancy for underwriters and clinicians involved in the life insurance industry. Extensively revised and expanded, the new edition reflects developments in life and healthcare insurance as well as medicine.
Download or read book Planning a Life in Medicine written by John Smart and published by The Princeton Review. This book was released on 2005 with total page 404 pages. Available in PDF, EPUB and Kindle. Book excerpt: A life in medicine is something that many dream of but few achieve. The tests students face–both literal and figurative–just to get into medical school are designed to weed out the weak. InPlanning a Life in Medicine, the experts at The Princeton Review will help you succeed in a premedical program, score higher on the MCAT, meet the challenges of medical school, and ultimately flourish in your medical career. More than just a comprehensive plan for getting into medical school,Planning a Life in Medicineis a handbook that will help you to cultivate the skills and habits–such as compartmentalizing knowledge and improving concentration–that will help you along your “path of heart” and serve you well throughout your education and medical career.
Download or read book Annals of Life Insurance Medicine written by Eugene V Higgins and published by . This book was released on 1962-01-01 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Explaining Divergent Levels of Longevity in High Income Countries written by National Research Council and published by National Academies Press. This book was released on 2011-06-27 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: During the last 25 years, life expectancy at age 50 in the United States has been rising, but at a slower pace than in many other high-income countries, such as Japan and Australia. This difference is particularly notable given that the United States spends more on health care than any other nation. Concerned about this divergence, the National Institute on Aging asked the National Research Council to examine evidence on its possible causes. According to Explaining Divergent Levels of Longevity in High-Income Countries, the nation's history of heavy smoking is a major reason why lifespans in the United States fall short of those in many other high-income nations. Evidence suggests that current obesity levels play a substantial part as well. The book reports that lack of universal access to health care in the U.S. also has increased mortality and reduced life expectancy, though this is a less significant factor for those over age 65 because of Medicare access. For the main causes of death at older ages-cancer and cardiovascular disease-available indicators do not suggest that the U.S. health care system is failing to prevent deaths that would be averted elsewhere. In fact, cancer detection and survival appear to be better in the U.S. than in most other high-income nations, and survival rates following a heart attack also are favorable. Explaining Divergent Levels of Longevity in High-Income Countries identifies many gaps in research. For instance, while lung cancer deaths are a reliable marker of the damage from smoking, no clear-cut marker exists for obesity, physical inactivity, social integration, or other risks considered in this book. Moreover, evaluation of these risk factors is based on observational studies, which-unlike randomized controlled trials-are subject to many biases.
