Science.gov

Sample records for pilot insurance plan

  1. Prescriptions and Insurance Plans

    MedlinePlus

    MENU Return to Web version Prescriptions and Insurance Plans Prescriptions and Insurance Plans Getting a prescription filled is usually easy. But because of the high cost of prescription medicines, most insurance ...

  2. Understanding health insurance plans

    MedlinePlus

    ... page: //medlineplus.gov/ency/patientinstructions/000879.htm Understanding health insurance plans To use the sharing features on this ... plan for you and your family. Types of Health Insurance Plans Depending on how you get your health ...

  3. Understanding health insurance plans

    MedlinePlus

    Most insurance companies offer different types of health plans. And when you are comparing plans, it can sometimes seem ... Depending on how you get your health insurance, you may have a ... (HMOs). These plans offer a network of health care providers ...

  4. Self-insured health plans

    PubMed Central

    McDonnell, Patricia; Guttenberg, Abbie; Greenberg, Leonard; Arnett, Ross H.

    1986-01-01

    Nationwide, 8 percent of all employment-related health plans were self-insured in 1984, which translates into more than 175,000 self-insured plans according to our latest study of independent health plans. The propensity of an organization to self-insure differs primarily by its size, with large establishments more likely to self-insure. In the overwhelming majority of cases, the self-insured benefit was hospital and/or medical. Among employers who self-insure, 23 percent self-administer, and the remaining 77 percent hire a commercial insurance company, Blue Cross/Blue Shield plan, or an independent third-party administrator to administer the health plan. PMID:10312008

  5. Threaded pilot insures cutting tool alignment

    NASA Technical Reports Server (NTRS)

    Goldman, R.; Schneider, W. E.

    1966-01-01

    Threaded pilot allows machining of a port component, or boss, after the reciprocating hole has been threaded. It is used to align cutting surfaces with the boss threads, thus insuring precision alignment.

  6. ADS pilot program Plan

    NASA Technical Reports Server (NTRS)

    Clauson, J.; Heuser, J.

    1981-01-01

    The Applications Data Service (ADS) is a system based on an electronic data communications network which will permit scientists to share the data stored in data bases at universities and at government and private installations. It is designed to allow users to readily locate and access high quality, timely data from multiple sources. The ADS Pilot program objectives and the current plans for accomplishing those objectives are described.

  7. 48 CFR 28.307-1 - Group insurance plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 1 2011-10-01 2011-10-01 false Group insurance plans. 28... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 28.307-1 Group insurance plans. (a) Prior approval requirement. Under cost-reimbursement contracts, before buying insurance under a group insurance plan,...

  8. 48 CFR 2828.307-1 - Group insurance plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Group insurance plans. 2828... Contracting Requirements BONDS AND INSURANCE Insurance 2828.307-1 Group insurance plans. Under cost-reimbursement contracts, before buying insurance under a group insurance plan, the contractor shall submit...

  9. 48 CFR 28.307-1 - Group insurance plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Group insurance plans. 28... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 28.307-1 Group insurance plans. (a) Prior approval requirement. Under cost-reimbursement contracts, before buying insurance under a group insurance plan,...

  10. 48 CFR 428.307-1 - Group insurance plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 4 2011-10-01 2011-10-01 false Group insurance plans. 428... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 428.307-1 Group insurance plans. Under cost-reimbursement contracts, before buying insurance under a group insurance plan, the contractor shall submit...

  11. 48 CFR 428.307-1 - Group insurance plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Group insurance plans. 428... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 428.307-1 Group insurance plans. Under cost-reimbursement contracts, before buying insurance under a group insurance plan, the contractor shall submit...

  12. 48 CFR 1228.307-1 - Group insurance plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 5 2011-10-01 2011-10-01 false Group insurance plans... GENERAL CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 1228.307-1 Group insurance plans. (a) Prior... basis on proposed purchases of group insurance plans. Legal advice should be sought where necessary...

  13. 48 CFR 228.307-1 - Group insurance plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 3 2010-10-01 2010-10-01 false Group insurance plans. 228..., DEPARTMENT OF DEFENSE GENERAL CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 228.307-1 Group insurance plans. The Defense Department Group Term Insurance Plan is available for contractor use under...

  14. 48 CFR 1228.307-1 - Group insurance plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Group insurance plans... GENERAL CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 1228.307-1 Group insurance plans. (a) Prior... basis on proposed purchases of group insurance plans. Legal advice should be sought where necessary...

  15. 48 CFR 228.307-1 - Group insurance plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 3 2011-10-01 2011-10-01 false Group insurance plans. 228..., DEPARTMENT OF DEFENSE GENERAL CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 228.307-1 Group insurance plans. The Defense Department Group Term Insurance Plan is available for contractor use under...

  16. 48 CFR 1028.307-1 - Group insurance plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 5 2011-10-01 2011-10-01 false Group insurance plans. 1028.307-1 Section 1028.307-1 Federal Acquisition Regulations System DEPARTMENT OF THE TREASURY GENERAL CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 1028.307-1 Group insurance plans. (a) Plans shall...

  17. 48 CFR 1028.307-1 - Group insurance plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Group insurance plans. 1028.307-1 Section 1028.307-1 Federal Acquisition Regulations System DEPARTMENT OF THE TREASURY GENERAL CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 1028.307-1 Group insurance plans. Plans must...

  18. 41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health maintenance organization, or any agent or entity that administers benefit plans, or... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance,...

  19. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... SEPARATED VETERANS, AND OTHER PROTECTED VETERANS Discrimination Prohibited § 60-250.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  20. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... VETERANS, AND ARMED FORCES SERVICE MEDAL VETERANS Discrimination Prohibited § 60-300.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  1. 48 CFR 3028.307-1 - Group insurance plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 7 2010-10-01 2010-10-01 false Group insurance plans. 3028.307-1 Section 3028.307-1 Federal Acquisition Regulations System DEPARTMENT OF HOMELAND SECURITY....307-1 Group insurance plans. Plans shall be submitted to the contracting officer, who must obtain...

  2. 77 FR 72721 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-06

    ... Internal Revenue Service 26 CFR Parts 40, 46, and 602 RIN 1545-BK59 Fees on Health Insurance Policies and... issuers of certain health insurance policies and plan sponsors of certain self-insured health plans to...-3970 (regarding health insurance policies). SUPPLEMENTARY INFORMATION: Paperwork Reduction Act...

  3. 45 CFR 149.340 - Rule for insured plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 1 2011-10-01 2011-10-01 false Rule for insured plans. 149.340 Section 149.340 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS REQUIREMENTS FOR THE EARLY RETIREE REINSURANCE PROGRAM Reimbursement Methods § 149.340 Rule for insured...

  4. 45 CFR 149.340 - Rule for insured plans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 45 Public Welfare 1 2014-10-01 2014-10-01 false Rule for insured plans. 149.340 Section 149.340 Public Welfare Department of Health and Human Services REQUIREMENTS RELATING TO HEALTH CARE ACCESS REQUIREMENTS FOR THE EARLY RETIREE REINSURANCE PROGRAM Reimbursement Methods § 149.340 Rule for insured...

  5. 45 CFR 149.340 - Rule for insured plans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 45 Public Welfare 1 2012-10-01 2012-10-01 false Rule for insured plans. 149.340 Section 149.340 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS REQUIREMENTS FOR THE EARLY RETIREE REINSURANCE PROGRAM Reimbursement Methods § 149.340 Rule for insured...

  6. 45 CFR 149.340 - Rule for insured plans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 45 Public Welfare 1 2013-10-01 2013-10-01 false Rule for insured plans. 149.340 Section 149.340 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS REQUIREMENTS FOR THE EARLY RETIREE REINSURANCE PROGRAM Reimbursement Methods § 149.340 Rule for insured...

  7. 45 CFR 149.340 - Rule for insured plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Rule for insured plans. 149.340 Section 149.340 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS REQUIREMENTS FOR THE EARLY RETIREE REINSURANCE PROGRAM Reimbursement Methods § 149.340 Rule for insured...

  8. 23. Site plan, 1931 Photocopied from Sanborn Map Company, Insurance ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    23. Site plan, 1931 Photocopied from Sanborn Map Company, Insurance Maps of New Haven, v. 5, map no. 540, 1924 updated to 1931. - Eli Whitney Armory, West of Whitney Avenue, Armory Street Vicinity, Hamden, New Haven County, CT

  9. 24. Site plan, 1924 Photocopied from Sanborn Map Company, Insurance ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    24. Site plan, 1924 Photocopied from Sanborn Map Company, Insurance Maps of New Haven, v. 5, map no. 540, 1924 - Eli Whitney Armory, West of Whitney Avenue, Armory Street Vicinity, Hamden, New Haven County, CT

  10. 76 FR 7098 - Dealer Floor Plan Pilot Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-09

    ... ADMINISTRATION 13 CFR Parts 120 and 121 Dealer Floor Plan Pilot Program AGENCY: U.S. Small Business... Dealer Floor Plan Pilot Program to make available 7(a) loan guaranties for lines of credit that provide floor plan financing. This new Dealer Floor Plan Pilot Program was created in the Small Business...

  11. Health Insurance: Understanding Your Health Plan's Rules

    MedlinePlus

    ... have to pay more for it. Your insurance company can give you a list of drugs that are on the formulary. If necessary, show the list to your doctor when he or she writes you a ... for help. SourceInformation adapted from "Understanding Your Health ...

  12. 7 CFR 457.139 - Fresh market tomato (dollar plan) crop insurance provisions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 6 2013-01-01 2013-01-01 false Fresh market tomato (dollar plan) crop insurance...) FEDERAL CROP INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.139 Fresh market tomato (dollar plan) crop insurance provisions. The fresh market tomato (dollar plan)...

  13. 7 CFR 457.139 - Fresh market tomato (dollar plan) crop insurance provisions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 6 2014-01-01 2014-01-01 false Fresh market tomato (dollar plan) crop insurance...) FEDERAL CROP INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.139 Fresh market tomato (dollar plan) crop insurance provisions. The fresh market tomato (dollar plan)...

  14. Business continuity planning: the hospital's insurance policy.

    PubMed

    Luecke, R W; Hoopingarner, C

    1993-04-01

    A comprehensive business continuity plan can prepare an organization for unforeseen circumstances that would otherwise totally disrupt the delivery of healthcare services. Properly planning for such an event can build confidence in the organization and safeguard the assets of the institution. In this article, the authors present a step-by-step plan for creating a business continuity plan. PMID:10145789

  15. 75 FR 70061 - Dealer Floor Plan Pilot Program Meeting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-16

    ... ADMINISTRATION Dealer Floor Plan Pilot Program Meeting AGENCY: U.S. Small Business Administration (SBA). ACTION... agenda for a meeting regarding the Dealer Floor Plan Pilot Program established in the Small Business Jobs Act of 2010. The meeting will be open to the public. DATES: The Dealer Floor Plan Pilot...

  16. 77 FR 22691 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-17

    ... Internal Revenue Service 26 CFR Parts 40 and 46 RIN 1545-BK59 Fees on Health Insurance Policies and Self... Protection and Affordable Care Act on issuers of certain health insurance policies and plan sponsors of..., Rebecca L. Baxter at (202) 622-3970 (regarding health insurance policies) or R. Lisa Mojiri-Azad at...

  17. Waste Isolation Pilot Plant, Land Management Plan

    SciTech Connect

    Not Available

    1993-12-01

    To reflect the requirement of section 4 of the Wastes Isolation Pilot Plant Land Withdrawal Act (the Act) (Public Law 102-579), this land management plan has been written for the withdrawal area consistent with the Federal Land Policy and Management Act of 1976. The objective of this document, per the Act, is to describe the plan for the use of the withdrawn land until the end of the decommissioning phase. The plan identifies resource values within the withdrawal area and promotes the concept of multiple-use management. The plan also provides opportunity for participation in the land use planning process by the public and local, State, and Federal agencies. Chapter 1, Introduction, provides the reader with the purpose of this land management plan as well as an overview of the Waste Isolation Pilot Plant. Chapter 2, Affected Environment, is a brief description of the existing resources within the withdrawal area. Chapter 3, Management Objectives and Planned Actions, describes the land management objectives and actions taken to accomplish these objectives.

  18. 20 CFR 323.2 - Definition of nongovernmental plan for unemployment or sickness insurance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... unemployment or sickness insurance. 323.2 Section 323.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.2 Definition of nongovernmental plan for unemployment or sickness insurance....

  19. 20 CFR 323.2 - Definition of nongovernmental plan for unemployment or sickness insurance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... unemployment or sickness insurance. 323.2 Section 323.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.2 Definition of nongovernmental plan for unemployment or sickness insurance....

  20. 20 CFR 323.2 - Definition of nongovernmental plan for unemployment or sickness insurance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... unemployment or sickness insurance. 323.2 Section 323.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.2 Definition of nongovernmental plan for unemployment or sickness insurance....

  1. 20 CFR 323.2 - Definition of nongovernmental plan for unemployment or sickness insurance.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... unemployment or sickness insurance. 323.2 Section 323.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.2 Definition of nongovernmental plan for unemployment or sickness insurance....

  2. 20 CFR 323.2 - Definition of nongovernmental plan for unemployment or sickness insurance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... unemployment or sickness insurance. 323.2 Section 323.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.2 Definition of nongovernmental plan for unemployment or sickness insurance....

  3. 26 CFR 46.4376-1 - Fee on sponsors of self-insured health plans.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ....4377-1(a)) other than through an insurance policy and that have the same plan year may be treated as a... medical benefits, and a separate self-insured arrangement with the same plan year providing prescription... self-insured plan have the same plan year. (iv) Examples. The following examples illustrate...

  4. Health plan report cards and insurance choice.

    PubMed

    Chernew, M; Scanlon, D P

    1998-01-01

    This paper examines the relationship between consumers' health plan choices and health plan performance ratings. We make use of an initiative at a large firm to collect, aggregate, and disseminate to employees plan performance ratings. We estimate several statistical models, including share equations--which allow for the presence of important unobserved plan attributes--and logit models. Although report card ratings appear to be related to enrollment choices, the relationship is not uniform. For some dimensions of performance, the results are consistent with the hypothesis that employees respond to the performance ratings. For other dimensions, the ratings seem less influential than other plan attributes that employees likely observed without the data release. PMID:9597014

  5. 29 CFR 452.39 - Participation in insurance plan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 2 2010-07-01 2010-07-01 false Participation in insurance plan. 452.39 Section 452.39 Labor Regulations Relating to Labor OFFICE OF LABOR-MANAGEMENT STANDARDS, DEPARTMENT OF LABOR LABOR-MANAGEMENT STANDARDS GENERAL STATEMENT CONCERNING THE ELECTION PROVISIONS OF THE LABOR-MANAGEMENT...

  6. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Issuance and nature of insured 10-year protection plans. 203.203 Section 203.203 Housing and Urban Development Regulations Relating to... Underwriting Procedures Insured Ten-Year Protection Plans (plan) § 203.203 Issuance and nature of insured...

  7. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Issuance and nature of insured 10-year protection plans. 203.203 Section 203.203 Housing and Urban Development Regulations Relating to... Underwriting Procedures Insured Ten-Year Protection Plans (plan) § 203.203 Issuance and nature of insured...

  8. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Issuance and nature of insured 10-year protection plans. 203.203 Section 203.203 Housing and Urban Development Regulations Relating to... Underwriting Procedures Insured Ten-Year Protection Plans (plan) § 203.203 Issuance and nature of insured...

  9. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Issuance and nature of insured 10-year protection plans. 203.203 Section 203.203 Housing and Urban Development Regulations Relating to... Underwriting Procedures Insured Ten-Year Protection Plans (plan) § 203.203 Issuance and nature of insured...

  10. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Issuance and nature of insured 10-year protection plans. 203.203 Section 203.203 Housing and Urban Development Regulations Relating to... Underwriting Procedures Insured Ten-Year Protection Plans (plan) § 203.203 Issuance and nature of insured...

  11. 26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Life insurance contracts purchased under... in Gross Income § 1.72-16 Life insurance contracts purchased under qualified employee plans. (a... pension, annuity, or profit-sharing plans for the purchase of life insurance contracts and rules for...

  12. 26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Life insurance contracts purchased under... in Gross Income § 1.72-16 Life insurance contracts purchased under qualified employee plans. (a... pension, annuity, or profit-sharing plans for the purchase of life insurance contracts and rules for...

  13. 26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 2 2014-04-01 2014-04-01 false Life insurance contracts purchased under... in Gross Income § 1.72-16 Life insurance contracts purchased under qualified employee plans. (a... pension, annuity, or profit-sharing plans for the purchase of life insurance contracts and rules for...

  14. 26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Life insurance contracts purchased under... in Gross Income § 1.72-16 Life insurance contracts purchased under qualified employee plans. (a... pension, annuity, or profit-sharing plans for the purchase of life insurance contracts and rules for...

  15. 20 CFR 255.9 - Individual enrolled under supplementary medical insurance plan.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... XVIII of the Social Security Act (Supplementary Medical Insurance Benefits for the Aged and Disabled... medical insurance plan. 255.9 Section 255.9 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS... supplementary medical insurance plan. Where recovery of the overpayment is by setoff as provided for in §...

  16. 77 FR 47573 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-09

    ... Internal Revenue Service 26 CFR Parts 40 and 46 RIN 1545-BK59 Fees on Health Insurance Policies and Self... Patient Protection and Affordable Care Act on issuers of certain health insurance policies and plan... Federal Register on Tuesday, April 17, 2012 (77 FR 22691) announced that a public hearing was...

  17. Empirically-Based Crop Insurance for China: A Pilot Study in the Down-middle Yangtze River Area of China

    NASA Astrophysics Data System (ADS)

    Wang, Erda; Yu, Yang; Little, Bertis B.; Chen, Zhongxin; Ren, Jianqiang

    Factors that caused slow growth in crop insurance participation and its ultimate failure in China were multi-faceted including high agricultural production risk, low participation rate, inadequate public awareness, high loss ratio, insufficient and interrupted government financial support. Thus, a clear and present need for data driven analyses and empirically-based risk management exists in China. In the present investigation, agricultural production data for two crops (corn, rice) in five counties in Jiangxi Province and Hunan province for design of a pilot crop insurance program in China. A crop insurance program was designed which (1) provides 75% coverage, (2) a 55% premium rate reduction for the farmer compared to catastrophic coverage most recently offered, and uses the currently approved governmental premium subsidy level. Thus a safety net for Chinese farmers that help maintain agricultural production at a level of self-sufficiency that costs less than half the current plans requires one change to the program: ≥80% of producers must participate in an area.

  18. Waste Isolation Pilot Plant Environmental Monitoring Plan

    SciTech Connect

    Washington Regulatory and Environmental Services; Washington TRU Solutions LLC

    2004-02-19

    U.S. Department of Energy (DOE) Order 450.1, Environmental Protection Program, requires each DOE site to conduct environmental monitoring. Environmental monitoring at the Waste Isolation Pilot Plant (WIPP) is conducted in order to: (a) Verify and support compliance with applicable federal, state, and local environmental laws, regulations, permits, and orders; (b) Establish baselines and characterize trends in the physical, chemical, and biological condition of effluent and environmental media; (c) Identify potential environmental problems and evaluate the need for remedial actions or measures to mitigate the problem; (d) Detect, characterize, and report unplanned releases; (e) Evaluate the effectiveness of effluent treatment and control, and pollution abatement programs; and (f) Determine compliance with commitments made in environmental impact statements, environmental assessments, safety analysis reports, or other official DOE documents. This Environmental Monitoring Plan (EMP) has been written to contain the rationale and design criteria for the monitoring program, extent and frequency of monitoring and measurements, procedures for laboratory analyses, quality assurance (QA) requirements, program implementation procedures, and direction for the preparation and disposition of reports. Changes to the environmental monitoring program may be necessary to allow the use of advanced technology and new data collection techniques. This EMP will document any proposed changes in the environmental monitoring program. Guidance for preparation of Environmental Monitoring Plans is contained in DOE/EH-0173T, Environmental Regulatory Guide for Radiological Effluent Monitoring and Environmental Surveillance. The plan will be effective when it is approved by the appropriate Head of Field Organization or their designee. The plan discusses major environmental monitoring and hydrology activities at the WIPP and describes the programs established to ensure that WIPP operations do not

  19. 7 CFR 457.128 - Guaranteed production plan of fresh market tomato crop insurance provisions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 6 2011-01-01 2011-01-01 false Guaranteed production plan of fresh market tomato crop... § 457.128 Guaranteed production plan of fresh market tomato crop insurance provisions. The Guaranteed Production Plan of Fresh Market Tomato Crop Insurance FCIC Policies Department of Agriculture Federal...

  20. 7 CFR 457.128 - Guaranteed production plan of fresh market tomato crop insurance provisions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Guaranteed production plan of fresh market tomato crop... § 457.128 Guaranteed production plan of fresh market tomato crop insurance provisions. The Guaranteed Production Plan of Fresh Market Tomato Crop Insurance FCIC Policies Department of Agriculture Federal...

  1. 7 CFR 457.128 - Guaranteed production plan of fresh market tomato crop insurance provisions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 6 2013-01-01 2013-01-01 false Guaranteed production plan of fresh market tomato crop... § 457.128 Guaranteed production plan of fresh market tomato crop insurance provisions. The Guaranteed Production Plan of Fresh Market Tomato Crop Insurance FCIC Policies Department of Agriculture Federal...

  2. 7 CFR 457.128 - Guaranteed production plan of fresh market tomato crop insurance provisions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 6 2014-01-01 2014-01-01 false Guaranteed production plan of fresh market tomato crop... § 457.128 Guaranteed production plan of fresh market tomato crop insurance provisions. The Guaranteed Production Plan of Fresh Market Tomato Crop Insurance FCIC Policies Department of Agriculture Federal...

  3. 7 CFR 457.128 - Guaranteed production plan of fresh market tomato crop insurance provisions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 6 2012-01-01 2012-01-01 false Guaranteed production plan of fresh market tomato crop... § 457.128 Guaranteed production plan of fresh market tomato crop insurance provisions. The Guaranteed Production Plan of Fresh Market Tomato Crop Insurance FCIC Policies Department of Agriculture Federal...

  4. 7 CFR 457.139 - Fresh market tomato (dollar plan) crop insurance provisions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 6 2011-01-01 2011-01-01 false Fresh market tomato (dollar plan) crop insurance provisions. 457.139 Section 457.139 Agriculture Regulations of the Department of Agriculture (Continued) FEDERAL CROP INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS §...

  5. 7 CFR 457.139 - Fresh market tomato (dollar plan) crop insurance provisions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Fresh market tomato (dollar plan) crop insurance provisions. 457.139 Section 457.139 Agriculture Regulations of the Department of Agriculture (Continued) FEDERAL CROP INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS §...

  6. Waste Isolation Pilot Plant Environmental Monitoring Plan

    SciTech Connect

    None, None

    2008-03-12

    U.S. Department of Energy (DOE) Order 450.1, Environmental Protection Program, requires each DOE site to conduct environmental monitoring. Environmental monitoring at the Waste Isolation Pilot Plant (WIPP) is conducted in order to: (a) Verify and support compliance with applicable federal, state, and local environmental laws, regulations, permits, and orders; (b) Establish baselines and characterize trends in the physical, chemical, and biological condition of effluent and environmental media; (c) Identify potential environmental problems and evaluate the need for remedial actions or measures to mitigate the problems; (d) Detect, characterize, and report unplanned releases; (e) Evaluate the effectiveness of effluent treatment and control, and pollution abatement programs; and (f) Determine compliance with commitments made in environmental impact statements, environmental assessments, safety analysis reports, or other official DOE documents. This Environmental Monitoring Plan (EMP) explains the rationale and design criteria for the environmental monitoring program, extent and frequency of monitoring and measurements, procedures for laboratory analyses, quality assurance (QA) requirements, program implementation procedures, and direction for the preparation and disposition of reports. Changes to the environmental monitoring program may be necessary to allow the use of advanced technology and new data collection techniques. This EMP will document changes in the environmental monitoring program. Guidance for preparation of EMPs is contained in DOE/EH-0173T, Environmental Regulatory Guide for Radiological Effluent Monitoring and Environmental Surveillance.

  7. Intelligent Pilot Aids for Flight Re-Planning in Emergencies

    NASA Technical Reports Server (NTRS)

    Pritchett, Amy R.; Ockerman, Jennifer

    2005-01-01

    Effective and safe control of an aircraft may be difficult or nearly impossible for a pilot following an unexpected system failure. Without prior training, the pilot must ascertain on the fly those changes in both manual control technique and procedures that will lead to a safe landing of the aircraft. Sophisticated techniques for determining the required control techniques are now available. Likewise, a body of literature on pilot decision making provides formalisms for examining how pilots approach discrete decisions framed as the selection between options. However, other aspects of behavior, such as the task of route planning and guidance, are not as well studied. Not only is the pilot faced with possible performance changes to the aircraft dynamics, but he or she is also tasked to create a plan of actions that will effectively take the aircraft down to a safe landing. In this plan, the many actions that the pilot can perform are closely intertwined with the trajectory of the aircraft, making it difficult to accurately predict the final outcome. Coupled with the vast number of potential actions to be taken, this problem may seem intractable. This is reflected in the lack of a pre-specified procedure capable of giving pilots the ability to find a resolution for this task. This report summarizes a multi-year effort to examine methods to aid pilots in planning an approach and arrival to an airport following an aircraft systems failure. Ultimately, we hypothesize that automatic assistance to pilots can be provided in real-time in the form of improving pilot control of a damaged aircraft and providing pilots with procedural directives suitable for critical flight conditions; such systems may also benefit pilot training and procedure design. To achieve this result, a systematic, comprehensive research program was followed, building on prior research. This approach included a pencil-and-paper study with airline pilots examining methods of representing a flight route in

  8. 75 FR 34571 - Group Health Plans and Health Insurance Coverage Rules Relating to Status as a Grandfathered...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-17

    ... Revenue Service 26 CFR Part 54 RIN 1545-BJ50 Group Health Plans and Health Insurance Coverage Rules... respect to group health plans and health insurance coverage offered in connection with a group health plan... temporary regulations provide guidance to employers, group health plans, and health insurance...

  9. Choosing your health insurance package: a method for measuring the public's preferences for changes in the national health insurance plan.

    PubMed

    Victoor, Aafke; Hansen, Johan; van den Akker-van Marle, M Elske; van den Berg, Bernard; van den Hout, Wilbert B; de Jong, Judith D

    2014-08-01

    With rising healthcare expenditure and limited budgets available, countries are having to make choices about the content of health insurance plans. The views of the general population can help determine such priorities. In this article, we investigate whether preferences of the general population regarding the content of health insurance plans could be measured with the help of a stated preference method: the Basket Method (BM). In this method, people use an online tool to include or exclude healthcare interventions from their hypothetical insurance package; this then affects their monthly premium. The study was conducted in the Netherlands. In total, 1007 members of two panels managed by the NIVEL filled out an online questionnaire that included the BM. The suitability of the BM was tested with the help of five criteria, e.g. the BM's ability to distinguish between healthcare interventions. Our results suggest that the BM is suitable for measuring preferences of the general population regarding the content of the health insurance plan, as it performs well on most criteria. Policy makers can use these preferences when deciding the content of the health insurance plan. Its contents will then be more aligned to the population's needs and preferences. PMID:24875333

  10. 42 CFR 440.350 - Employer-sponsored insurance health plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 4 2010-10-01 2010-10-01 false Employer-sponsored insurance health plans. 440.350 Section 440.350 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Benchmark-Equivalent Coverage § 440.350 Employer-sponsored insurance health plans. (a) A State may...

  11. 48 CFR 1352.228-76 - Approval of group insurance plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ....228-76 Approval of group insurance plans. As prescribed in 48 CFR 1328.310-70(i), insert the following clause: Approval of Group Insurance Plans (APR 2010) Under cost-reimbursement contracts, before buying... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Approval of...

  12. 48 CFR 1352.228-76 - Approval of group insurance plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ....228-76 Approval of group insurance plans. As prescribed in 48 CFR 1328.310-70(i), insert the following clause: Approval of Group Insurance Plans (APR 2010) Under cost-reimbursement contracts, before buying... 48 Federal Acquisition Regulations System 5 2011-10-01 2011-10-01 false Approval of...

  13. 26 CFR 1.412(i)-1 - Certain insurance contract plans.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 5 2011-04-01 2011-04-01 false Certain insurance contract plans. 1.412(i)-1 Section 1.412(i)-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED...(i)-1 Certain insurance contract plans. (a) In general. Under section 412(h)(2) of the...

  14. 42 CFR 440.350 - Employer-sponsored insurance health plans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 4 2014-10-01 2014-10-01 false Employer-sponsored insurance health plans. 440.350 Section 440.350 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Benchmark-Equivalent Coverage § 440.350 Employer-sponsored insurance health plans. (a) A State may...

  15. 42 CFR 440.350 - Employer-sponsored insurance health plans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 4 2012-10-01 2012-10-01 false Employer-sponsored insurance health plans. 440.350 Section 440.350 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Benchmark-Equivalent Coverage § 440.350 Employer-sponsored insurance health plans. (a) A State may...

  16. 76 FR 46677 - Requirements for Group Health Plans and Health Insurance Issuers Relating to Coverage of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-03

    ... Center for Consumer Information & Insurance Oversight of the U.S. Department of Health and Human Services... with respect to group health plans and health insurance coverage offered in connection with a group.... The temporary regulations provide guidance to employers, group health plans, and health...

  17. 75 FR 27141 - Group Health Plans and Health Insurance Issuers Providing Dependent Coverage of Children to Age...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-13

    ... Revenue Service 26 CFR Part 54 RIN 1545-BJ45 Group Health Plans and Health Insurance Issuers Providing... Labor and the Office of Consumer Information and Insurance Oversight of the U.S. Department of Health... health plans and health insurance coverage offered in connection with a group health plan under...

  18. 75 FR 41787 - Requirement for Group Health Plans and Health Insurance Issuers To Provide Coverage of Preventive...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-19

    ... group health plans and health insurance coverage offered in connection with a group health plan under... regulations provide guidance to employers, group health plans, and health insurance issuers providing group health insurance coverage. The text of those temporary regulations also serves as the text of...

  19. RESEARCH PLAN FOR PILOT STUDIES OF THE BIODIVERSITY RESEARCH CONSORTIUM

    EPA Science Inventory

    This report presents a research plan for an assessment of risks to biodiversity. he plan describes the theoretical basis of the research approach and the data and methods to be used in the assessment. nitial research activities are formulated as a set of pilot studies that will e...

  20. QUALITY ASSURANCE PROJECT PLAN: 1991 EMAP WETLANDS SOUTHEASTERN PILOT STUDY

    EPA Science Inventory

    Quality Assurance (QA) methodology, as set forth in this plan is used to insure the QA objectives of the study are met. ll participants must be impressed from the beginning with importance of maintaining a commitment to quality throughout the project. raining field personnel is a...

  1. 75 FR 43109 - Requirements for Group Health Plans and Health Insurance Issuers Relating to Internal Claims and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-23

    ... Insurance Oversight of the U.S. Department of Health and Human Services are issuing substantially similar interim final regulations with respect to group health plans and health insurance coverage offered in... health insurance issuers providing group health insurance coverage. The text of those...

  2. 7 CFR Exhibit L to Subpart A of... - Insured 10-Year Home Warranty Plan Requirements

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 12 2014-01-01 2013-01-01 true Insured 10-Year Home Warranty Plan Requirements L Exhibit L to Subpart A of Part 1924 Agriculture Regulations of the Department of Agriculture (Continued... Construction and Other Development Pt. 1924, Subpt. A, Exh. L Exhibit L to Subpart A of Part 1924—Insured...

  3. 7 CFR Exhibit L to Subpart A of... - Insured 10-Year Home Warranty Plan Requirements

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 12 2012-01-01 2012-01-01 false Insured 10-Year Home Warranty Plan Requirements L Exhibit L to Subpart A of Part 1924 Agriculture Regulations of the Department of Agriculture (Continued... Construction and Other Development Pt. 1924, Subpt. A, Exh. L Exhibit L to Subpart A of Part 1924—Insured...

  4. 7 CFR Exhibit L to Subpart A of... - Insured 10-Year Home Warranty Plan Requirements

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 12 2011-01-01 2011-01-01 false Insured 10-Year Home Warranty Plan Requirements L Exhibit L to Subpart A of Part 1924 Agriculture Regulations of the Department of Agriculture (Continued... Construction and Other Development Pt. 1924, Subpt. A, Exh. L Exhibit L to Subpart A of Part 1924—Insured...

  5. 7 CFR Exhibit L to Subpart A of... - Insured 10-Year Home Warranty Plan Requirements

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 12 2013-01-01 2013-01-01 false Insured 10-Year Home Warranty Plan Requirements L Exhibit L to Subpart A of Part 1924 Agriculture Regulations of the Department of Agriculture (Continued... Construction and Other Development Pt. 1924, Subpt. A, Exh. L Exhibit L to Subpart A of Part 1924—Insured...

  6. 7 CFR Exhibit L to Subpart A of... - Insured 10-Year Home Warranty Plan Requirements

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Insured 10-Year Home Warranty Plan Requirements L Exhibit L to Subpart A of Part 1924 Agriculture Regulations of the Department of Agriculture (Continued... Construction and Other Development Pt. 1924, Subpt. A, Exh. L Exhibit L to Subpart A of Part 1924—Insured...

  7. 75 FR 70159 - Group Health Plans and Health Insurance Coverage Rules Relating to Status as a Grandfathered...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-17

    ... Internal Revenue Service 26 CFR Part 54 RIN 1545-BJ50 Group Health Plans and Health Insurance Coverage... provide guidance to employers, group health plans, and health insurance issuers providing group health... Insurance Oversight of the U.S. Department of Health and Human Services are issuing substantially...

  8. 75 FR 34537 - Interim Final Rules for Group Health Plans and Health Insurance Coverage Relating to Status as a...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-17

    ... Health Insurance Coverage Relating to Status as a Grandfathered Health Plan Under the Patient Protection...-AB68 Interim Final Rules for Group Health Plans and Health Insurance Coverage Relating to Status as a... Consumer Information and Insurance Oversight, Department of Health and Human Services. ACTION:...

  9. 75 FR 37242 - Requirements for Group Health Plans and Health Insurance Issuers Under the Patient Protection and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-28

    ... Revenue Service 26 CFR Part 54 RIN 1545-BJ57 Requirements for Group Health Plans and Health Insurance... temporary regulations provide guidance to employers, group health plans, and health insurance issuers providing group health insurance coverage. The text of those temporary regulations also serves as the...

  10. Dental care demand: insurance effects and plan design.

    PubMed

    Conrad, D A; Grembowski, D; Milgrom, P

    1987-08-01

    This study concentrates on an important health policy question: the impact of dental insurance on the demand of adults for dental services. Demand equations for individuals are estimated from a systematic random sample of 4,173 families with complete information on their dental claims (insured through Pennsylvania Blue Shield) and survey data. The principal contributions of the research are twofold: (1) to provide rigorous, large-sample estimates of the demand for dental services of insured individuals--providing a complementary set of "natural" experiment results to the randomized experiment results of the RAND Health Insurance Experiment--and (2) to estimate the incremental effects on dental care demand of certain factors related to adverse selection. The study is a companion to a previously published study of children by the same authors. Generally, the analysis shows relatively small money price elasticities of dental care demand among this insured adult population (ranging from -.01 to -.266 across specific types of service). Given a finding that total expenditures for Basic services are 37 percent and 90 percent higher, respectively, for community-rated (versus experience-rated) primary subscribers and insureds, we conclude that differential adverse selection between community- and experience-rated groups accounts for significant differences in dental demand. PMID:3119521

  11. Research plan for pilot studies of the biodiversity research consortium

    SciTech Connect

    Kiester, A.R.; White, D.; Preston, E.M.; Master, L.L.; Loveland, T.R.

    1993-06-03

    This report presents a research plan for an assessment of risks to biodiversity. The plan describes the theoretical basis of the research approach and the data and methods to be used in the assessment. Initial research activities are formulated as a set of pilot studies that will examine nine research questions concerning the assumptions, data, and methods of the approach. A collection of government, academic, and nongovernmental organizations, called the Biodiversity Research Consortium, has developed this research approach and prepared the plan. Authors of the plan represent current members of the Consortium.

  12. Family Planning for Inner-City Adolescent Males: Pilot Study.

    ERIC Educational Resources Information Center

    Reis, Janet; And Others

    1987-01-01

    Describes a pilot family planning program in an inner-city pediatric practice. Male adolescents were more likely to accept contraceptives if the provider first raised the topic of birth control to them. Identified a desire for anonymity/confidentiality and embarrassment or discomfort as the key reasons for not seeking contraceptives. Emphasizes…

  13. ARCHITECTURAL ROOF PLAN AND WESTSOUTHEAST ELEVATIONS OF HOT PILOT PLANT ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    ARCHITECTURAL ROOF PLAN AND WEST-SOUTHEAST ELEVATIONS OF HOT PILOT PLANT (CPP-640). INL DRAWING NUMBER 200-0640-00-279-111680. ALTERNATE ID NUMBER 8952-CPP-640-A-3. - Idaho National Engineering Laboratory, Idaho Chemical Processing Plant, Fuel Reprocessing Complex, Scoville, Butte County, ID

  14. ARCHITECTURAL FLOOR PLAN OF PROCESS AND ACCESS AREAS HOT PILOT ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    ARCHITECTURAL FLOOR PLAN OF PROCESS AND ACCESS AREAS HOT PILOT PLANT (CPP-640). INL DRAWING NUMBER 200-0640-00-279-111679. ALTERNATE ID NUMBER 8952-CPP-640-A-2. - Idaho National Engineering Laboratory, Idaho Chemical Processing Plant, Fuel Reprocessing Complex, Scoville, Butte County, ID

  15. Razing a Tower of Babel: a taxonomy for managed care and health insurance plans.

    PubMed

    Weiner, J P; de Lissovoy, G

    1993-01-01

    To many, the U.S. health care system has become an unintelligible alphabet soup of three-letter health plans. There is little agreement about which characteristics distinguish one type of plan from another. In this article we chip away at what has become a Tower of Babel of managed care and health insurance terminology. We review past and current trends in the market for nontraditional health benefit plans and propose a taxonomy, or system of classification, that will aid in understanding how managed care plans differ from conventional health insurance and from one another. Also included is a comprehensive glossary of terms. PMID:8320444

  16. Fees on health insurance policies and self-insured plans for the patient-centered outcomes research trust fund. Final regulations.

    PubMed

    2012-12-01

    This document contains final regulations that implement and provide guidance on the fees imposed by the Patient Protection and Affordable Care Act on issuers of certain health insurance policies and plan sponsors of certain self-insured health plans to fund the Patient-Centered Outcomes Research Trust Fund. These final regulations affect the issuers and plan sponsors that are directed to pay those fees. PMID:23227570

  17. 77 FR 52614 - Pre-Existing Condition Insurance Plan Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-30

    ... Affordable Insurance Exchanges, 45 CFR 155.20 (77 FR 18310, March 27, 2012), and the premium tax credits, 26 CFR 1.36B-1(g) (77 FR 30377, May 23, 2012), issued by HHS and the Department of the Treasury... 30, 2010 (75 FR 45014). For the reasons explained below, HHS is now issuing an amendment to...

  18. Necessary health care and basic needs: health insurance plans and essential benefits.

    PubMed

    Ward, Andrew; Johnson, Pamela Jo

    2013-12-01

    According to HealthCare.gov, by improving access to quality health for all Americans, the Affordable Care Act (ACA) will reduce disparities in health insurance coverage. One way this will happen under the provisions of the ACA is by creating a new health insurance marketplace (a health insurance exchange) by 2014 in which "all people will have a choice for quality, affordable health insurance even if a job loss, job switch, move or illness occurs". This does not mean that everyone will have whatever insurance coverage he or she wants. The provisions of the ACA require that each of the four benefit categories of plans (known as bronze, silver, gold and platinum) provides no less than the benefits available in an "essential health benefits package". However, without a clear understanding of what criteria must be satisfied for health care to be essential, the ACA's requirement is much too vague and open to multiple, potentially conflicting interpretations. Indeed, without such understanding, in the rush to provide health insurance coverage to as many people as is economically feasible, we may replace one kind of disparity (lack of health insurance) with another kind of disparity (lack of adequate health insurance). Thus, this paper explores the concept of "essential benefits", arguing that the "essential health benefits package" in the ACA should be one that optimally satisfies the basic needs of the people covered. PMID:22068620

  19. What states are doing to simplify health plan choice in the insurance marketplaces.

    PubMed

    Monahan, Christine H; Dash, Sarah J; Lucia, Kevin W; Corlette, Sabrina

    2013-12-01

    The new health insurance marketplaces aim to improve consumers' purchasing experiences by setting uniform coverage levels for health plans and giving them tools to explore their options. Marketplace administrators may choose to limit the number and type of plans offered to further simplify consumer decision-making. This issue brief examines the policies set by some state-based marketplaces to simplify plan choices: adopting a meaningful difference standard, limiting the number of plans or benefit designs insurers may offer, or requiring standardized benefit designs. Eleven states and the District of Columbia took one or more of these actions for 2014, though their policies vary in terms of their prescriptiveness. Tracking the effects of these different approaches will enhance understanding of how best to enable consumers to make optimal health insurance purchasing decisions and set the stage for future refinements. PMID:24689124

  20. 26 CFR 1.412(i)-1 - Certain insurance contract plans.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Certain insurance contract plans. 1.412(i)-1 Section 1.412(i)-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.412(i)-1...

  1. 75 FR 70114 - Amendment to the Interim Final Rules for Group Health Plans and Health Insurance Coverage...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-17

    ... FR 34538). Paragraph (a)(1)(ii) of the interim final regulations provides that if a group health plan... Group Health Plans and Health Insurance Coverage Relating to Status as a Grandfathered Health Plan Under... and Insurance Oversight, Department of Health and Human Services. ACTION: Amendment to interim...

  2. Paying for individual health insurance through tax-sheltered cafeteria plans.

    PubMed

    Hall, Mark A; Monahan, Amy B

    2010-01-01

    When employees without group health insurance buy individual coverage, they do so using after-tax income--costing them from 20% to 50% more than others pay for equivalent coverage. Prior to the passage of the Patient Protection and Affordable Care Act (PPACA), several states promoted a potential solution that would allow employees to buy individual insurance through tax-sheltered payroll deduction. This technical but creative approach would allow insurers to combine what is known as "list-billing" with a Section 125 "cafeteria plan." However, these state-level reform attempts have failed to gain significant traction because state small-group reform laws and federal restrictions on medical underwriting cloud the legality of tax-sheltered list-billing. Several authorities have taken the position that insurance paid for through a cafeteria plan must meet the nondiscrimination requirements of the Health Insurance Portability and Accountability Act with respect to eligibility, premiums, and benefits. The recently enacted Patient Protection and Affordable Care Act addresses some of the legal uncertainty in this area, but much remains. For health reform to have its greatest effect, federal regulators must clarify whether individual health insurance can be purchased on a pre-tax basis through a cafeteria plan. PMID:21155419

  3. Waste Isolation Pilot Plant Environmental Monitoring Plan

    SciTech Connect

    Westinghouse Electric Company Waste Isolation Division

    1999-09-29

    DOE Order 5400.1, General Environmental Protection Program Requirements (DOE, 1990a), requires each DOE facility to prepare an EMP. This document is prepared for WIPP in accordance with the guidance contained in DOE Order 5400.1; DOE Order 5400.5, Radiation Protection of the Public and Environment (DOE, 1990b); Environmental Regulatory Guide for Radiological Effluent Monitoring and Environmental Surveillance (DOE/EH-0173T; DOE, 1991); and the Title 10 Code of Federal Regulations (CFR) 834, Radiation Protection of the Public and Environment (Draft). Many sections of DOE Order 5400.1 have been replaced by DOE Order 231.1 (DOE, 1995), which is the driver for the Annual Site Environmental Report (ASER) and the guidance source for preparing many environmental program documents. The WIPP project is operated by Westinghouse Electric Company, Waste Isolation Division (WID), for the DOE. This plan defines the extent and scope of the WIPP's effluent and environmental monitoring programs during the facility's operational life and also discusses the WIPP's quality assurance/quality control (QA/QC) program as it relates to environmental monitoring. In addition, this plan provides a comprehensive description of environmental activities at WIPP including: A summary of environmental programs, including the status of environmental monitoring activities A description of the WIPP project and its mission A description of the local environment, including demographics An overview of the methodology used to assess radiological consequences to the public, including brief discussions of potential exposure pathways, routine and accidental releases, and their consequences Responses to the requirements described in the Environmental Regulatory Guide for Radiological Effluent Monitoring and Environmental Surveillance (DOE, 1991). This document references DOE orders and other federal and state regulations affecting environmental monitoring programs at the site. WIPP procedures, which implement

  4. Health insurance: how does your plan compare? Plus, a look to new reforms.

    PubMed

    2012-11-01

    A good insurance plan can steer you to the care that helps and away from wasting your time and money on unnecessary tests and treatments. For the third year running, we are presenting health plan rankings from the National Committee for Quality Assurance (NCQA), a nonprofit health care accreditation and quality measurement group, of a record 984 plans on their quality of care, customer satisfaction, and commitment to improvement and disclosure of information. This year, the NCQA ranked 474 private plans (which consumers obtain through a job or purchase on their own), 395 Medicare Advantage plans, and 115 Medicaid HMOs. PMID:23057099

  5. 76 FR 37037 - Requirements for Group Health Plans and Health Insurance Issuers Relating to Internal Claims and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-24

    ... the Center for Consumer Information & Insurance Oversight of the U.S. Department of Health and Human... with respect to group health plans and health insurance coverage offered in connection with a group.... The temporary regulations provide guidance to employers, group health plans, and health...

  6. 75 FR 66293 - Adoption of Federal Deposit Insurance Corporation Restoration Plan

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-27

    ... reserve ratio to 1.15 percent by the end of 2016.\\4\\ \\1\\ 73 FR 61598 (Oct. 16, 2008). \\2\\ 74 FR 9564 (Mar... of 2009, Public Law 111-22, Sec. 204(b), 123 Stat. 1632, 1649. \\4\\ 74 FR 51062 (Oct. 2, 2009). The... Adoption of Federal Deposit Insurance Corporation Restoration Plan AGENCY: Federal Deposit...

  7. Experimental program plan for the Waste Isolation Pilot Plant

    SciTech Connect

    Not Available

    1994-01-01

    The US Department of Energy has prepared this Experimental Program Plan for the Waste Isolation Pilot Plant (EPP) to provide a summary of the DOE experimental efforts needed for the performance assessment process for the WIPP, and of the linkages of this process to the appropriate regulations. The Plan encompasses a program of analyses of the performance of the planned repository based on scientific studies, including tests with transuranic waste at laboratory sites, directed at evaluating compliance with the principal regulations governing the WIPP. The Plan begins with background information on the WIPP project, the requirements of the LWA (Land Withdrawal Act), and its objective and scope. It then presents an overview of the regulatory requirements and the compliance approach. Next are comprehensive discussions of plans for compliance with disposal regulations, followed by the SWDA (Solid Waste Disposal Act) and descriptions of activity programs designed to provide information needed for determining compliance. Descriptions and justifications of all currently planned studies designed to support regulatory compliance activities are also included.

  8. Health Insurance Basics

    MedlinePlus

    ... How Can I Help a Friend Who Cuts? Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics Print ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  9. Intelligent Pilot Aids for Flight Re-Planning in Emergencies

    NASA Technical Reports Server (NTRS)

    Pritchett, Amy R.

    2002-01-01

    Experimental studies were conducted with pilots to investigate the attributes of automation that would be appropriate for aiding pilots in emergencies. The specific focus of this year was on methods of mitigating automation brittleness. Brittleness occurs when the automatic system is used in circumstances it was not designed for, causing it to choose an incorrect action or make an inaccurate decision for the situation. Brittleness is impossible to avoid since it is impossible to predict every potential situation the automatic system will be exposed to over its life. However, operators are always ultimately responsible for the actions and decisions of the automation they are monitoring or using, which means they must evaluate the automation's decisions and actions for accuracy. As has been pointed out, this is a difficult thing for human operators to do. There have been various suggestions as to how to aid operators with this evaluation. In the study described in this report we studied how presentation of contextual information about an automatic system's decision might impact the ability of the human operators to evaluate that decision. This study focused on the planning of emergency descents. Fortunately, emergencies (e.g., mechanical or electrical malfunction, on-board fire, and medical emergency) happen quite rarely. However, they can be catastrophic when they do. For all predictable or conceivable emergencies, pilots have emergency procedures that they are trained on, but those procedures often end with 'determine suitable airport and land as quickly as possible.' Planning an emergency descent to an unplanned airport is a difficult task, particularly under the time pressures of an emergency. Automatic decision aids could be very efficient at the task of determining an appropriate airport and calculating an optimal trajectory to that airport. This information could be conveyed to the pilot through an emergency descent procedure listing all of the actions

  10. Mental health and substance abuse insurance parity for federal employees: how did health plans respond?

    PubMed

    Barry, Colleen L; Ridgely, M Susan

    2008-01-01

    A fundamental concern with competitive health insurance markets is that they will not supply efficient levels of coverage for treatment of costly, chronic, and predictable illnesses, such as mental illness. Since the inception of employer-based health insurance, coverage for mental health services has been offered on a more limited basis than coverage for general medical services. While mental health advocates view insurance limits as evidence of discrimination, adverse selection and moral hazard can also explain these differences in coverage. The intent of parity regulation is to equalize private insurance coverage for mental and physical illness (an equity concern) and to eliminate wasteful forms of competition due to adverse selection (an efficiency concern). In 2001, a presidential directive requiring comprehensive parity was implemented in the Federal Employees Health Benefits (FEHB) Program. In this study, we examine how health plans responded to the parity directive. Results show that in comparison with a set of unaffected health plans, federal employee plans were significantly more likely to augment managed care through contracts with managed behavioral health "carve-out" firms after parity. This finding helps to explain the absence of an effect of the FEHB Program directive on total spending, and is relevant to the policy debate in Congress over federal parity. PMID:18478666

  11. Waste Isolation Pilot Plant Groundwater Protection Management Program Plan

    SciTech Connect

    Washington TRU Solutions

    2002-09-24

    U.S. Department of Energy (DOE) Order 5400.1, General Environmental Protection Program, requires each DOE site to prepare a Groundwater Protection Management Program Plan. This document fulfills the requirement for the Waste Isolation Pilot Plant (WIPP). This document was prepared by the Hydrology Section of the Westinghouse TRU Solutions LLC (WTS) Environmental Compliance Department, and it is the responsibility of this group to review the plan annually and update it every three years. This document is not, nor is it intended to be, an implementing document that sets forth specific details on carrying out field projects or operational policy. Rather, it is intended to give the reader insight to the groundwater protection philosophy at WIPP.

  12. School-Sponsored Health Insurance: Planning for a New Reality

    ERIC Educational Resources Information Center

    Liang, Bryan A.

    2010-01-01

    Health care reform efforts in both the Clinton and Obama administrations have attempted to address college and university health. Yet, although the world of health care delivery has almost universally evolved to managed care, school health programs have not. In general, school-sponsored health plans do little to improve access and have adopted…

  13. 75 FR 15603 - Common Crop Insurance Regulations; Florida Avocado Crop Insurance Provisions

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-30

    ...The Federal Crop Insurance Corporation (FCIC) finalizes the Common Crop Insurance Regulations; Florida Avocado Crop Insurance Provisions to convert the Florida avocado pilot crop insurance program to a permanent insurance program for the 2011 and succeeding crop...

  14. Test phase plan for the Waste Isolation Pilot Plant

    SciTech Connect

    Not Available

    1993-03-01

    The US Department of Energy (DOE) has prepared this Test Phase Plan for the Waste Isolation Pilot Plant to satisfy the requirements of Public Law 102-579, the Waste Isolation Pilot Plant (WIPP) Land Withdrawal Act (LWA). The Act provides seven months after its enactment for the DOE to submit this Plan to the Environmental Protection Agency (EPA) for review. A potential geologic repository for transuranic wastes, including transuranic mixed wastes, generated in national-defense activities, the WIPP is being constructed in southeastern New Mexico. Because these wastes remain radioactive and chemically hazardous for a very long time, the WIPP must provide safe disposal for thousands of years. The DOE is developing the facility in phases. Surface facilities for receiving waste have been built and considerable underground excavations (2150 feet below the surface) that are appropriate for in-situ testing, have been completed. Additional excavations will be completed when they are required for waste disposal. The next step is to conduct a test phase. The purpose of the test phase is to develop pertinent information and assess whether the disposal of transuranic waste and transuranic mixed waste in the planned WIPP repository can be conducted in compliance with the environmental standards for disposal and with the Solid Waste Disposal Act (SWDA) (as amended by RCRA, 42 USC. 6901 et. seq.). The test phase includes laboratory experiments and underground tests using contact-handled transuranic waste. Waste-related tests at WIPP will be limited to contact-handled transuranic and simulated wastes since the LWA prohibits the transport to or emplacement of remote-handled transuranic waste at WIPP during the test phase.

  15. 76 FR 46621 - Group Health Plans and Health Insurance Issuers Relating to Coverage of Preventive Services Under...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-03

    ... Services, Notice of Proposed Rulemaking on Student Health Insurance Coverage (76 FR 7767, February 22, 2011...; Secretary of Labor's Order 3-2010, 75 FR 55354 (September 10, 2010). The Department of Health and Human...-AQ07 Group Health Plans and Health Insurance Issuers Relating to Coverage of Preventive Services...

  16. 78 FR 25909 - Minimum Value of Eligible Employer-Sponsored Plans and Other Rules Regarding the Health Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-03

    ... that applies to qualified health plans. The preamble to the HHS regulations (see 78 FR 12833) notes... Other Rules Regarding the Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS... relating to the health insurance premium tax credit enacted by the Patient Protection and Affordable...

  17. The Fermilab ISDN Pilot Project: Experiences and future plans

    SciTech Connect

    Martin, D.E.; Lego, A.J.; Clifford, A.E.

    1995-12-31

    Fully operational in June of 1994, the Fermilab ISDN Pilot Project was started to gain insight into the costs and benefits of providing ISDN service to the homes of Fermilab researchers. Fourteen users were chosen from throughout Fermilab, but the number of Fermilab-employed spouses pushed the total user count to 20. Each home was equipped with a basic rate ISDN (BRI) line, a BRI Ethernet half-bridge, and an NT-1. An inter-departmental team coordinated the project. Usage at each home was tracked and frequent surveys were attempted. Lessons learned include: working with Ameritech can be difficult; careful monitoring is essential; and configuration of home computing equipment is very time consuming. Plans include moving entirely to primary rate ISDN hubs, support for different home ISDN equipment and better usage and performance tracking.

  18. National health insurance proposals: their effect on family planning and other preventive health services.

    PubMed

    Fisher, D

    1974-01-01

    The Nixon Administration Comprehensive Health Insurance Act of 1974 (H.R.12684, S.2970), Kennedy-Griffiths Health Security Act of 1973, (H.R.22, S.3), the Long-Ribicoff-Waggonner Catastrophic Health Insurance and Medical Reform Act (H.R. 14079, S.2513) and the Mills-Kennedy Comprehensive National Health Insurance Act of 1974 (H.R. 13870, 3286) are compared with respect to general concept, coverage of population, benefit structure, financing, cost sharing, administration, provider standards and the effect on existing programs. Family planning services and well-child care are not included in the group of services which are regarded as essential under the Mills-Kennedy or administration proposals. Both bills exempt these services from a general provision which limits coverage to curative care and services. The Long-Ribicoff bill mandates the provision of family planning counseling, services and supplies for the low income population as defined in the bill but limits coverage to other persons to catastrophe-related care. The "model policy" of the bill does not mention family planning or well-child services. PMID:4618208

  19. The effects of retiree health insurance plan characteristics on retirees' choice and employers' costs.

    PubMed

    Clark, Robert L; Morrill, Melinda Sandler; Vanderweide, David

    2014-12-01

    To moderate the rate of growth of retiree health insurance costs, employers can modify plans and move retirees into less expensive plans. We examine policy modifications implemented by the North Carolina State Health Plan. We investigate whether incentives produce the desired plan elections and whether these changes, along with cost shifting, produce the expected reductions in cost growth. Using individual-level administrative data, along with aggregated data on expenditures for retirees, we estimate the effects of the introduction and subsequent repeal of a Comprehensive Wellness Initiative for non-Medicare eligible retirees, as well as increases in coinsurance and copayments and the introduction of a premium for all retirees. Over a third of non-Medicare retirees shifted into the least generous plan between June 2009 and December 2012. The level effects on annual costs and unfunded accrued liabilities were relatively modest, but growth rates were diminished. Increases in the retiree premiums reduced the state's projected costs. PMID:25479892

  20. A study of decision-making behavior of aircraft pilots deviating from a planned flight.

    PubMed

    Flathers, G W; Giffin, W C; Rockwell, T H

    1982-10-01

    This paper outlines an investigation into the worth structures of pilots facing a deviation from a planned flight. A "paper and pencil" simulation was used to frame the situation into which pilots interjected their own decision-making skills in a simple ranking of candidate diversion airports with varying locational, navigational aid, radar, and weather attributes. Using the conjoint measurement technique, attribute worth functions of 30 pilots were constructed. Systematic differences in the worth functions of the pilots were not found as a result of dividing the pilot sample according to any measure of flight hours' experience. However, differences were found when the pilot sample was grouped according to grade of pilot certificate, type of pilot training, and type of flying most commonly done. PMID:7150157

  1. A study of decision-making behavior of aircraft pilots deviating from a planned flight

    NASA Technical Reports Server (NTRS)

    Flather, G. W., II; Giffin, W. C.; Rockwell, T. H.

    1981-01-01

    This paper outlines an investigation into the worth structures of pilots facing a deviation from a planned flight. A 'paper and pencil' simulation was used to frame the situation into which pilots interjected their own decision making skills in a simple ranking of candidate diversion airports with varying locational, navigational aid, radar and weather attributes. Using the conjoint measurement technique, attribute worth functions of 30 pilots were constructed. It was discovered that systematic differences in the worth functions of the pilots did not occur as a result of dividing the pilot sample according to any measure of flight hour experience. However, differences were found when the pilot sample was grouped according to grade of pilot certificate, type of pilot training, and type of flying most commonly done.

  2. Minimum Value of Eligible Employer-Sponsored Plans and Other Rules Regarding the Health Insurance Premium Tax Credit. Final regulations.

    PubMed

    2015-12-18

    This document contains final regulations on the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010, as amended by the Medicare and Medicaid Extenders Act of 2010, the Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011, and the Department of Defense and Full-Year Continuing Appropriations Act, 2011. These final regulations affect individuals who enroll in qualified health plans through Affordable Insurance Exchanges (Exchanges, sometimes called Marketplaces) and claim the health insurance premium tax credit, and Exchanges that make qualified health plans available to individuals and employers. PMID:26685369

  3. Consumer Cost-Sharing in Marketplace vs. Employer Health Insurance Plans, 2015.

    PubMed

    Gabel, Jon; Whitmore, Heidi; Green, Matthew; Stromberg, Sam; Oran, Rebecca

    2015-12-01

    Using data from 49 states and Washington, D.C., we analyzed changes in cost-sharing under health plans offered to individuals and families through state and federal exchanges from 2014 to 2015. We examined eight vehicles for cost-sharing, including deductibles, copayments, coinsurance, and out-of-pocket limits, and compared findings with cost-sharing under employer-based insurance. We found cost-sharing under marketplace plans remained essentially unchanged from 2014 to 2015. Stable premiums during that period do not reflect greater costs borne by enrollees. Further, 56 percent of enrollees in marketplace plans attained cost-sharing reductions in 2015. However, for people without cost-sharing reductions, average copayments, deductibles, and out-of-pocket limits under catastrophic, bronze, and silver plans are considerably higher than under employer-based plans on average, while cost-sharing under gold plans is similar employer-based plans on average. Marketplace plans are far more likely than employer-based plans to require enrollees to meet deductibles before they receive coverage for prescription drugs. PMID:26761957

  4. ENVIRONMENTAL MONITORING AND ASSESSMENT PROGRAM: SURFACE WATERS IMPLEMENTATION PLAN - NORTHEAST PILOT LAKE SURVEY, SUMMER 1991

    EPA Science Inventory

    This document outlines the proposed implementation plan for the Environmental Monitoring and Assessment Program's Surface Waters Northeast Pilot Lake Survey, to be conducted in July through September, 1991. he pilot survey will evaluate not only the utility of the indicators sele...

  5. Community health insurance as a catalyst for uptake of family planning and reproductive health services: the Obio Cottage Hospital experience.

    PubMed

    Fakunle, B; Okunlola, M A; Fajola, A; Ottih, U; Ilesanmi, A O

    2014-08-01

    Health service delivery in the Niger Delta region of Nigeria has suffered many setbacks. Community participation may help break the barriers limiting access to health services, especially those associated with family planning and reproductive health services. This is a two-year review of family planning and reproductive health services records offered by the Obio Cottage Hospital from the onset of the Community Insurance Scheme (2010-12). Since the inception of the Community Insurance Scheme, there has been an increase in the uptake of family planning methods of more than 50%; 1,274 women in 2011 vs 3,140 in 2012. An increase in number of women seeking reproductive health services was also observed. The Community Health Insurance Scheme (CHIS) at the Obio Cottage Hospital provides evidence for expansion, as seen in the improvement in patronage for family planning and reproductive health services. PMID:24725223

  6. ENVIRONMENTAL MONITORING AND ASSESSMENT PROGRAM: EMAP ARID COLORADO PLATEAU PILOT STUDY - 1992 IMPLEMENTATION PLAN

    EPA Science Inventory

    The 1992 Colorado Plateau Indicator Pilot Study, the first field activity for the EMAP-Arid group, is designed to evaluate several indicators of arid ecosystem condition for continued development and implementation for monitoring. his Implementation Plan describes the conceptual ...

  7. 29 CFR 2550.401c-1 - Definition of “plan assets”-insurance company general accounts.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... independent of the issuer—(1) In general. An independent plan fiduciary who has the authority to manage and... Policy. For purposes of this paragraph, a fiduciary is not independent if the fiduciary is an affiliate... authorization by an independent plan fiduciary is not required if: (i) The insurer is the employer...

  8. 29 CFR 2550.401c-1 - Definition of “plan assets”-insurance company general accounts.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... independent of the issuer—(1) In general. An independent plan fiduciary who has the authority to manage and... Policy. For purposes of this paragraph, a fiduciary is not independent if the fiduciary is an affiliate... authorization by an independent plan fiduciary is not required if: (i) The insurer is the employer...

  9. 29 CFR 2550.401c-1 - Definition of “plan assets”-insurance company general accounts.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... independent of the issuer—(1) In general. An independent plan fiduciary who has the authority to manage and... Policy. For purposes of this paragraph, a fiduciary is not independent if the fiduciary is an affiliate... authorization by an independent plan fiduciary is not required if: (i) The insurer is the employer...

  10. 29 CFR 2550.401c-1 - Definition of “plan assets”-insurance company general accounts.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... independent of the issuer—(1) In general. An independent plan fiduciary who has the authority to manage and... Policy. For purposes of this paragraph, a fiduciary is not independent if the fiduciary is an affiliate... authorization by an independent plan fiduciary is not required if: (i) The insurer is the employer...

  11. Studies of planning behavior of aircraft pilots in normal, abnormal and emergency situations

    NASA Technical Reports Server (NTRS)

    Johannsen, G.; Rouse, W. B.; Hillmann, K.

    1981-01-01

    A methodology for the study of planning is presented and the results of applying the methodology within two experimental investigations of planning behavior of aircraft pilots in normal, abnormal, and emergency situations are discussed. Beyond showing that the methodology yields consistent results, these experiments also lead to concepts in terms of a dichotomy between event driven and time driven planning, subtle effects of automation on planning, and the relationship of planning to workload and flight performance.

  12. Waste retrieval plan for the Waste Isolation Pilot Plant

    SciTech Connect

    Not Available

    1993-03-01

    The US DOE has prepared this plan to meet the requirements of Public Law 102579, the Waste Isolation Pilot Plant (WIPP) LWA, The purpose. is to demonstrate readiness to retrieve from the WIPP underground transuranic radioactive waste that will be used for testing should retrieval be needed. The WIPP, a potential geologic repository for transuranic wastes generated in national-defense activities, has been constructed in southeastern New Mexico. Because the transuranic wastes will remain radioactive for a very long time, the WIPP must reasonably ensure safe performance over thousands of years. The DOE therefore decided to develop the facility in phases, to preclude premature decisions and to conduct the performance assessments needed to demonstrate long-term safety. Surface facilities for receiving waste have been built, and considerable underground excavation, 2150 feet below the surface, has been completed. The next step is a test phase, including underground experiments called bin tests'' and alcove test(s)'' with contact-handled transuranic waste. The objective of these waste tests is to collect relevant data about the gas-generation potential and volatile organic compound (VOC) source term of the waste for developing a basis for demonstrating long term safety by compliance with the applicable disposal regulations (40 CFR 191, 264 and 268). The test phase will end when a decision is made to begin disposal in the WIPP or to terminate the project if regulatory compliance cannot be determined and demonstrated. Authorization to receive transuranic waste at the WIPP for the test phase is given by the WIPP LWA provided certain requirements are met.

  13. Waste Isolation Pilot Plant Groundwater Protection Management Program Plan

    SciTech Connect

    Washington Regulatory and Environmental Services

    2005-07-01

    The DOE established the Groundwater Monitoring Program (GMP) (WP 02-1) to monitor groundwater resources at WIPP. In the past, the GMP was conducted to establish background data of existing conditions of groundwater quality and quantity in the WIPP vicinity, and to develop and maintain a water quality database as required by regulation. Today the GMP is conducted consistent with 204.1.500 NMAC (New MexicoAdministrative Code), "Adoption of 40 CFR [Code of Federal Regulations] Part 264,"specifically 40 CFR §264.90 through §264.101. These sections of 20.4.1 NMAC provide guidance for detection monitoring of groundwater that is, or could be, affected by waste management activities at WIPP. Detection monitoring at WIPP is designed to detect contaminants in the groundwater long before the general population is exposed. Early detection will allow cleanup efforts to be accomplished before any exposure to the general population can occur. Title 40 CFR Part 264, Subpart F, stipulates minimum requirements of Resource Conservation and Recovery Act of 1976 (42 United States Code [U.S.C.] §6901 et seq.) (RCRA) groundwater monitoring programs including the number and location of monitoring wells; sampling and reporting schedules; analytical methods and accuracy requirements; monitoring parameters; and statistical treatment of monitoring data. This document outlines how WIPP intends to protect and preserve groundwater within the WIPP Land Withdrawal Area (WLWA). Groundwater protection is just one aspect of the WIPP environmental protection effort. An overview of the entire environmental protection effort can be found in DOE/WIPP 99-2194, Waste Isolation Pilot Plant Environmental Monitoring Plan. The WIPP GMP is designed to statistically determine if any changes are occurring in groundwater characteristics within and surrounding the WIPP facility. If a change is noted, the cause will then be determined and the appropriate corrective action(s) initiated.

  14. Piloted Mars mission planning: NEP technology and power levels

    SciTech Connect

    George, J.A.; Hack, K.J.; Dudzinski, L.A.; Gefert, L.P. ); Gilland, J.H. )

    1993-01-10

    This paper examines the strong interrelationship between assumed technology and mission performance requirements for NEP. Recent systems analysis efforts by NASA, DOE, and various contractors are used to project achievable system performance as a function of technological sophistication for two piloted Mars mission applications. Specific mass regimes for each collection of technologies are presented as a function of power level for piloted applications. Low thrust mission analyses are presented which relate these system performance projections to achievable mission performance. Mission performance maps'' are constructed which link prime mission figures-of-merit of time and initial mass with system requirements on power level and specific mass, and hence technology. Both opposition and conjunction class piloted Mars missions are presented for the 2016 opportunity, analogous to those proposed in the 90-Day Study'' and Synthesis'' architecture studies. Mass and time breakdowns are presented for 10 MWe piloted and 5 MWe cargo point designs.

  15. Making health insurers insure.

    PubMed

    Ortolon, Ken

    2010-12-01

    A section of the Patient Protection and Affordable Care Act requires health plans to maintain a minimum "medical loss ratio," or MLR, of between 80 percent and 85 percent. If they don't, they could be ordered to refund some premium dollars to their beneficiaries. Texas Medical Association officials say the new MLR provision could force health plans to spend more time providing insurance and less time meddling in patient care. But that is still unclear. PMID:21174243

  16. Automated detection of case clusters of waterborne acute gastroenteritis from health insurance data - pilot study in three French districts.

    PubMed

    Rambaud, Loïc; Galey, Catherine; Beaudeau, Pascal

    2016-04-01

    This pilot study was conducted to assess the utility of using a health insurance database for the automated detection of waterborne outbreaks of acute gastroenteritis (AGE). The weekly number of AGE cases for which the patient consulted a doctor (cAGE) was derived from this database for 1,543 towns in three French districts during the 2009-2012 period. The method we used is based on a spatial comparison of incidence rates and of their time trends between the target town and the district. Each municipality was tested, week by week, for the entire study period. Overall, 193 clusters were identified, 10% of the municipalities were involved in at least one cluster and less than 2% in several. We can infer that nationwide more than 1,000 clusters involving 30,000 cases of cAGE each year may be linked to tap water. The clusters discovered with this automated detection system will be reported to local operators for investigation of the situations at highest risk. This method will be compared with others before automated detection is implemented on a national level. PMID:27105415

  17. Recommendations for planning pilot studies in clinical and translational research.

    PubMed

    Moore, Charity G; Carter, Rickey E; Nietert, Paul J; Stewart, Paul W

    2011-10-01

    Advances in clinical and translation science are facilitated by building on prior knowledge gained through experimentation and observation. In the context of drug development, preclinical studies are followed by a progression of phase I through phase IV clinical trials. At each step, the study design and statistical strategies are framed around research questions that are prerequisites for the next phase. In other types of biomedical research, pilot studies are used for gathering preliminary support for the next research step. However, the phrase "pilot study" is liberally applied to projects with little or no funding, characteristic of studies with poorly developed research proposals, and usually conducted with no detailed thought of the subsequent study. In this article, we present a rigorous definition of a pilot study, offer recommendations for the design, analysis and sample size justification of pilot studies in clinical and translational research, and emphasize the important role that well-designed pilot studies play in the advancement of science and scientific careers. PMID:22029804

  18. Environmental Monitoring and Assessment Program: Surface waters implementation plan - Northeast Pilot Lake Survey, Summer 1991

    SciTech Connect

    Pollard, J.E.; Perez, K.M.

    1991-06-01

    The document outlines the proposed implementation plan for the Environmental Monitoring and Assessment Program's Surface Waters Northeast Lakes Pilot Survey, to be conducted from July through September, 1991. The plan outlines the objectives of the field pilot activities and the questions which the authors expect to answer as a result of these activities. In addition, the plan contains a description of the indicators, the measurement variables included in each indicator, the design rationale, and details including site selection criteria and a list of selected sites. Very brief descriptions of quality assurance, logistical considerations, and the information management approach are also presented.

  19. Still-Born Autonomy Insurance Plan in Quebec: An Example of a Public Long-Term Care Insurance System in Canada.

    PubMed

    Hébert, Réjean

    2016-01-01

    Funding long-term care (LTC) is a challenge under the existing Beveridgean universal healthcare system. The Autonomy Insurance (AI) plan developed in Quebec was an attempt to introduce public LTC insurance into our healthcare system. The AI benefit was based on an assessment of the needs of older people and those with disabilities using a disability scale (SMAF) and case-mix classification system (Iso-SMAF Profiles). Under the plan, the benefit would be used to fund public institutions or purchase services from private organizations. Case managers were responsible for assessments and helping users and their families plan services and decide how to use the AI benefit. Funding AI was based on general tax revenues without capitalized funding, under a separate protected budget program. Projections were made for the additional budget needed to support AI, which would have mitigated the forecast increase in LTC spending due to population aging. All the legal, administrative, funding, training and contractual issues were dealt with, for implementation of the plan in April 2015. Unfortunately, the project was still-born for political reasons, but it demonstrates the feasibility of this essential innovation for Canada. PMID:27230719

  20. 76 FR 44491 - Group Health Plans and Health Insurance Issuers: Rules Relating to Internal Claims and Appeals...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-26

    ... amendment to the interim final rules (76 FR 37208) entitled, ``Group Health Plans and Health Insurance..., Department of the Treasury, at (202) 622-6080. SUPPLEMENTARY INFORMATION: I. Background A. Introduction In FR Doc. 2011-15890 of June 24, 2011 (76 FR 37208), there were technical errors that are identified in...

  1. 76 FR 37207 - Group Health Plans and Health Insurance Issuers: Rules Relating to Internal Claims and Appeals...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-24

    ...This document contains amendments to interim final regulations implementing the requirements regarding internal claims and appeals and external review processes for group health plans and health insurance coverage in the group and individual markets under provisions of the Affordable Care Act. These rules are intended to respond to feedback from a wide range of stakeholders on the interim......

  2. 77 FR 3075 - Resolution Plans Required for Insured Depository Institutions With $50 Billion or More in Total...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-23

    ... 3075-3088] [FR Doc No: 2012-1136] FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 360 RIN 3064-AD59... remains in effect until superseded by this Rule on April 1, 2012. \\1\\ 76 FR 58379 (September 21, 2011... Plans Required, 76 FR 67323 (November 1, 2011). The FDI Act gives the FDIC broad authority to carry...

  3. Choosing the 'best' plan in a health insurance exchange: actuarial value tells only part of the story.

    PubMed

    Lore, Ryan; Gabel, Jon R; McDevitt, Roland; Slover, Michael

    2012-08-01

    In the health insurance exchanges that will come online in 2014, consumers will be able to compare health plans with respect to actuarial value, or the percentage of health care costs that a plan would pay for a standard population. This analysis illustrates the out-of-pocket costs that might result from plans with various plan designs and actuarial values. We find that average out-of-pocket expense declines as actuarial values rise, but two plans with similar actuarial values can produce very different outcomes for a given person. The overall affordability of a plan also will be influenced by age rating, income-related premium subsidies, and out-of-pocket subsidies. Actuarial value is a useful starting point for selecting a plan, but it does not pinpoint which plan will produce the best overall value for a particular person. PMID:22946140

  4. The Instructional Planning Team: An Organizational Arrangement To Accomplish Planning, Teaching, and Evaluation in a School. A Pilot Study.

    ERIC Educational Resources Information Center

    Carlisle, David H.; And Others

    The Instructional Planning Team is based on the Research and Instruction Unit of the Wisconsin R & D Center for Cognitive Learning. To determine if the IPT as an organizational arrangement would increase the ability of a group of classroom teachers to use research-based information to improve their instructional program, a pilot test was conducted…

  5. Quality assurance project plan: 1991 EMAP wetlands southeastern pilot study

    SciTech Connect

    Swenson, E.M.; Lee, J.M.; Turner, R.E.

    1992-12-01

    The goal of the Environmental Monitoring and Assessment Program - Wetlands (EMAP-Wetlands) Southeastern Pilot Study is to develop field indicators of salt marsh condition. These indicators are of four general types: (1) vegetation; (2) hydrology; (3) soil parameters; and (4) soil constituents. Field measurements and samples will be collected during late summer/early fall in 1991 and will be analyzed to identify which indicators and measurements best delineate salt marsh in good condition from that in impaired condition. Thus the project will involve field work, laboratory analysis, and data analysis. Results from this project will be used to establish criteria and parameters for long-term monitoring and assessment of salt marshes, particularly those parameters that may serve as indicators of healthy salt marsh and deteriorated salt marsh. Since EMAP-Wetlands-Southeastern is a pilot study, the measurement criteria will be evaluated as one of the project goals. Of concern will be how well the standardized sampling methods performed in actual field conditions, and which of these methods can be used to assess and characterize salt marshes.

  6. Selecting the Acceptance Criteria of Medicines in the Reimbursement List of Public Health Insurance of Iran, Using the “Borda” Method: a Pilot Study

    PubMed Central

    Viyanchi, Amir; Rasekh, Hamid Reza; Rajabzadeh Ghatari, Ali; SafiKhani, Hamid Reza

    2015-01-01

    Decision-making for medicines to be accepted in Iran’s public health insurance reimbursement list is a complex process and involves factors, which should be considered in applying a coverage for medicine costs. These processes and factors are not wholly assessed, while assessment of these factors is an essential need for getting a transparent and evidence-based approach toward medicine reimbursement in Iran. This paper aims to show an evidence-based approach toward medicine selection criteria to inform the medical reimbursement decision makers in Iranian health insurance organizations. To explore an adaptable decision-making framework while incorporating a method called “Borda” in medicine reimbursement assessment, we used the help of an expert group including decision makers and clinical researchers who are also policy makers to appraise the five chief criteria that have three sub criteria (Precision, Interpretability, and Cost). Also software “Math-lab”7, “SPSS” 17 and Excel 2007 were used in this study. “Borda” estimates the amount of perceived values from different criteria and creates a range from one to five while providing a comprehensive measurement of a large spectrum of criteria. Participants reported that the framework provided an efficient approach to systematic consideration in a pragmatic format consisting of many parts to guide decision-makings, including criteria and value (a model with the core of Borda) and evidences (medicine reimbursement based on criteria). The most important criterion for medicine acceptance in health insurance companies, in Iran, is the "life-threatening" factor and "evidence quality" is accounted as the fifth important factor. This pilot study showed the usefulness of incorporating Borda in medicine reimbursement decisions to support a transparent and systematic appraisal of health insurance companies' deeds. Further research is needed to advance Borda-based approaches that are effective on health insurance

  7. Selecting the Acceptance Criteria of Medicines in the Reimbursement List of Public Health Insurance of Iran, Using the "Borda" Method: a Pilot Study.

    PubMed

    Viyanchi, Amir; Rasekh, Hamid Reza; Rajabzadeh Ghatari, Ali; SafiKhani, Hamid Reza

    2015-01-01

    Decision-making for medicines to be accepted in Iran's public health insurance reimbursement list is a complex process and involves factors, which should be considered in applying a coverage for medicine costs. These processes and factors are not wholly assessed, while assessment of these factors is an essential need for getting a transparent and evidence-based approach toward medicine reimbursement in Iran. This paper aims to show an evidence-based approach toward medicine selection criteria to inform the medical reimbursement decision makers in Iranian health insurance organizations. To explore an adaptable decision-making framework while incorporating a method called "Borda" in medicine reimbursement assessment, we used the help of an expert group including decision makers and clinical researchers who are also policy makers to appraise the five chief criteria that have three sub criteria (Precision, Interpretability, and Cost). Also software "Math-lab"7, "SPSS" 17 and Excel 2007 were used in this study. "Borda" estimates the amount of perceived values from different criteria and creates a range from one to five while providing a comprehensive measurement of a large spectrum of criteria. Participants reported that the framework provided an efficient approach to systematic consideration in a pragmatic format consisting of many parts to guide decision-makings, including criteria and value (a model with the core of Borda) and evidences (medicine reimbursement based on criteria). The most important criterion for medicine acceptance in health insurance companies, in Iran, is the "life-threatening" factor and "evidence quality" is accounted as the fifth important factor. This pilot study showed the usefulness of incorporating Borda in medicine reimbursement decisions to support a transparent and systematic appraisal of health insurance companies' deeds. Further research is needed to advance Borda-based approaches that are effective on health insurance decision making

  8. Assessment of levels of hospice care coverage offered to commercial managed care plan members in California: implications for the California Health Insurance Exchange.

    PubMed

    Chung, Kyusuk; Jahng, Joelle; Petrosyan, Syuzanna; Kim, Soo In; Yim, Victoria

    2015-06-01

    The implementation of the Affordable Care Act that provides for the expansion of affordable insurance to uninsured individuals and small businesses, coupled with the provision of mandated hospice coverage, is expected to increase the enrollment of the terminally ill younger population in hospice care. We surveyed health insurance companies that offer managed care plans in the 2014 California health insurance exchange and large hospice agencies that provided hospice care to privately insured patients in 2011. Compared with Medicare and Medicaid hospice benefits, hospice benefits for privately insured patients, particularly those enrolled in managed care plans, varied widely. Mandating hospice care alone may not be sufficient to ensure that individuals enrolled in different managed care plans receive the same level of coverage. PMID:24619923

  9. Assessment of Levels of Hospice Care Coverage Offered to Commercial Managed Care Plan Members in California: Implications for the California Health Insurance Exchange

    PubMed Central

    Chung, Kyusuk; Jahng, Joelle; Petrosyan, Syuzanna; Yim, Victoria

    2014-01-01

    The implementation of the Affordable Care Act that provides for the expansion of affordable insurance to uninsured individuals and small businesses, coupled with the provision of mandated hospice coverage, is expected to increase the enrollment of the terminally ill younger population in hospice care. We surveyed health insurance companies that offer managed care plans in the 2014 California Health Insurance Exchange and large hospice agencies that provided hospice care to privately insured patients in 2011. Compared with Medicare and Medicaid Hospice Benefits, hospice benefits for privately insured patients, particularly those enrolled in managed care plans, varied widely. Mandating hospice care alone may not be sufficient to ensure that individuals enrolled in different managed care plans receive the same level of coverage. PMID:24619923

  10. ARCHITECTURAL FLOOR PLAN OF OPERATING AREA HOT PILOT PLANT (CPP640). ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    ARCHITECTURAL FLOOR PLAN OF OPERATING AREA HOT PILOT PLANT (CPP-640). INL DRAWING NUMBER 200-0640-00-279-111678. ALTERNATE ID NUMBER 8952-CPP-640-A-1. - Idaho National Engineering Laboratory, Idaho Chemical Processing Plant, Fuel Reprocessing Complex, Scoville, Butte County, ID

  11. Connecticut's Value-Based Insurance Plan Increased The Use Of Targeted Services And Medication Adherence.

    PubMed

    Hirth, Richard A; Cliff, Elizabeth Q; Gibson, Teresa B; McKellar, M Richard; Fendrick, A Mark

    2016-04-01

    In 2011 Connecticut implemented the Health Enhancement Program for state employees. This voluntary program followed the principles of value-based insurance design (VBID) by lowering patient costs for certain high-value primary and chronic disease preventive services, coupled with requirements that enrollees receive these services. Nonparticipants in the program, including those removed for noncompliance with its requirements, were assessed a premium surcharge. The program was intended to curb cost growth and improve health through adherence to evidence-based preventive care. To evaluate its efficacy in doing so, we compared changes in service use and spending after implementation of the program to trends among employees of six other states. Compared to employees of other states, Connecticut employees were similar in age and sex but had a slightly higher percentage of enrollees with chronic conditions and substantially higher spending at baseline. During the program's first two years, the use of targeted services and adherence to medications for chronic conditions increased, while emergency department use decreased, relative to the situation in the comparison states. The program's impact on costs was inconclusive and requires a longer follow-up period. This novel combination of VBID principles and participation requirements may be a tool that can help plan sponsors increase the use of evidence-based preventive services. PMID:27044964

  12. Waste Isolation Pilot Plant Groundwater Protection Management Program Plan

    SciTech Connect

    Not Available

    1993-12-31

    The DOE has mandated in DOE Order 5400.1 that its operations will be conducted in an environmentally safe manner. The Waste Isolation Pilot Plant (WIPP) will comply with DOE Order 5400.1 and will conduct its operations in a manner that ensures the safety of the environment and the public. This document outlines how the WIPP will protect and preserve groundwater within and surrounding the WIPP facility. Groundwater protection is just one aspect of the WIPP environmental protection effort. The WIPP groundwater surveillance program is designed to determine statistically if any changes are occurring in groundwater characteristics within and surrounding the WIPP facility. If a change is noted, the cause will be determined and appropriate corrective action initiated.

  13. Social Security in the USA: A Discussion Guide to Social Insurance with Lesson Plans.

    ERIC Educational Resources Information Center

    Kingson, Eric R.; And Others

    This publication is intended as a guide for teaching high school and adult education students about social insurance concepts. Goals of the project are that students: (1) understand the historical context from which social insurance programs emerged; (2) can participate fully as members of a democratic society in making informed decisions about…

  14. Mental Health and Substance Abuse Insurance Parity for Federal Employees: How Did Health Plans Respond?

    ERIC Educational Resources Information Center

    Barry, Colleen L.; Ridgely, M. Susan

    2008-01-01

    A fundamental concern with competitive health insurance markets is that they will not supply efficient levels of coverage for treatment of costly, chronic, and predictable illnesses, such as mental illness. Since the inception of employer-based health insurance, coverage for mental health services has been offered on a more limited basis than…

  15. [The contradictions between the universal Unified Health System and the transfer of public funds to private health plans and insurances].

    PubMed

    Bahia, Ligia

    2008-01-01

    Trailing the whole group of trends and changes in the scenario of relations between the public and the private, this article analyses the effects of the rise in the rates of return of health plan operators and health insurance companies in 2007. Special attention is given to the segmentation of the system, the complaints about the naturalization of inequitable access to health services and to the depreciation of the original concepts of the Unified Health System. The study also gathers information regarding the production of knowledge about supplementary care with the intent to systemize the bases and methodological approaches adopted by a selected sub-group of scientific papers. Finally, the article develops conjectures and hypotheses with regard to possible associations between growth and stability of the health plan and insurance market and as refers to the nature of scientific production about this issue, taking into consideration the contradictions between the political and economical circuit in which the health plan and insurance companies are operating and the universality of the Brazilian Health System. PMID:18813639

  16. AgRISTARS: Renewable resources inventory. Land information support system implementation plan and schedule. [San Juan National Forest pilot test

    NASA Technical Reports Server (NTRS)

    Yao, S. S. (Principal Investigator)

    1981-01-01

    The planning and scheduling of the use of remote sensing and computer technology to support the land management planning effort at the national forests level are outlined. The task planning and system capability development were reviewed. A user evaluation is presented along with technological transfer methodology. A land management planning pilot test of the San Juan National Forest is discussed.

  17. The Pilot Land Data System: Report of the Program Planning Workshops

    NASA Technical Reports Server (NTRS)

    1984-01-01

    An advisory report to be used by NASA in developing a program plan for a Pilot Land Data System (PLDS) was developed. The purpose of the PLDS is to improve the ability of NASA and NASA sponsored researchers to conduct land-related research. The goal of the planning workshops was to provide and coordinate planning and concept development between the land related science and computer science disciplines, to discuss the architecture of the PLDs, requirements for information science technology, and system evaluation. The findings and recommendations of the Working Group are presented. The pilot program establishes a limited scale distributed information system to explore scientific, technical, and management approaches to satisfying the needs of the land science community. The PLDS paves the way for a land data system to improve data access, processing, transfer, and analysis, which land sciences information synthesis occurs on a scale not previously permitted because of limits to data assembly and access.

  18. Advanced Simulation in Undergraduate Pilot Training (ASUPT) Facility Utilization Plan.

    ERIC Educational Resources Information Center

    Hagin, William V.; Smith, James F.

    The capabilities of a flight simulation research facility located at Williams AFB, Arizona are described. Research philosophy to be applied is discussed. Long range and short range objectives are identified. A time phased plan for long range research accomplishment is described. In addition, some examples of near term research efforts which will…

  19. Pilot-scale treatability test plan for the 200-UP-1 groundwater Operable Unit

    SciTech Connect

    Wittreich, C.D.

    1994-05-01

    This document presents the treatability test plan for pilot-scale pump and treat testing at the 200-UP-1 Operable Unit. This treatability test plan has been prepared in response to an agreement between the US Department of Energy, the US Environmental Protection Agency, and the Washington State Department of Ecology, as documented in Hanford Federal Facility Agreement and Consent Order (Ecology et al. 1989a) Change Control Form M-13-93-03 (Ecology et al. 1994). The agreement also requires that, following completion of the activities described in this test plan, a 200-UP-1 Operable Unit interim remedial measure (IRM) proposed plan be developed for use in preparing an interim action record of decision (ROD). The IRM Proposed Plan will be supported by the results of the testing described in this treatability test plan, as well as by other 200-UP-1 Operable Unit activities (e.g., limited field investigation, development of a qualitative risk assessment). Once issued, the interim action ROD will specify the interim action for groundwater contamination at the 200-UP-1 Operable Unit. The approach discussed in this treatability test plan is to conduct a pilot-scale pump and treat test for the contaminant plume associated with the 200-UP-1 Operable Unit. Primary contaminants of concern are uranium and technetium-99; the secondary contaminant of concern is nitrate. The pilot-scale treatability testing presented in this test plan has as its primary purpose to assess the performance of aboveground treatment systems with respect to the ability to remove the primary contaminants in groundwater withdrawn from the contaminant plume.

  20. Tobacco Surcharges on 2015 Health Insurance Plans Sold in Federally Facilitated Marketplaces: Variations by Age and Geography and Implications for Health Equity

    PubMed Central

    Drope, Jeffrey M.; Graetz, Ilana; Waters, Teresa M.; Kaplan, Cameron M.

    2015-01-01

    In 2014, few health insurance plans sold in the Affordable Care Act’s Federally Facilitated Marketplaces had age-dependent tobacco surcharges, possibly because of a system glitch. The 2015 tobacco surcharges show wide variation, with more plans implementing tobacco surcharges that increase with age. This underscores concerns that older tobacco users will find postsubsidy health insurance premiums difficult to afford. Future monitoring of enrollment will determine whether tobacco surcharges cause adverse selection by dissuading tobacco users, particularly older users, from buying health insurance. PMID:26447913

  1. Pilot-scale treatability test plan for the 100-HR-3 operable unit

    SciTech Connect

    Not Available

    1994-08-01

    This document presents the treatability test plan for pilot-scale pump-and-treat testing at the 100-HR-3 Operable Unit. The test will be conducted in fulfillment of interim Milestone M-15-06E to begin pilot-scale pump-and-treat operations by August 1994. The scope of the test was determined based on the results of lab/bench-scale tests (WHC 1993a) conducted in fulfillment of Milestone M-15-06B. These milestones were established per agreement between the U.S. Department of Energy (DOE), the Washington State Department of Ecology and the U.S. Environmental Protection Agency (EPA), and documented on Hanford Federal of Ecology Facility Agreement and Consent Order Change Control Form M-15-93-02. This test plan discusses a pilot-scale pump-and-treat test for the chromium plume associated with the D Reactor portion of the 100-HR-3 Operable Unit. Data will be collected during the pilot test to assess the effectiveness, operating parameters, and resource needs of the ion exchange (IX) pump-and-treat system. The test will provide information to assess the ability to remove contaminants by extracting groundwater from wells and treating extracted groundwater using IX. Bench-scale tests were conducted previously in which chromium VI was identified as the primary contaminant of concern in the 100-D reactor plume. The DOWEX 21K{trademark} resin was recommended for pilot-scale testing of an IX pump-and-treat system. The bench-scale test demonstrated that the system could remove chromium VI from groundwater to concentrations less than 50 ppb. The test also identified process parameters to monitor during pilot-scale testing. Water will be re-injected into the plume using wells outside the zone of influence and upgradient of the extraction well.

  2. [Spending on private health insurance plans of Brazilian families: a descriptive study with data from the Family Budget Surveys 2002-2003 and 2008-2009].

    PubMed

    Garcia, Leila Posenato; Ocké-Reis, Carlos Octávio; de Magalhães, Luís Carlos Garcia; Sant'Anna, Ana Claudia; de Freitas, Lúcia Rolim Santana

    2015-05-01

    Spending on health insurance represents an important share of private expenditure on health in Brazil. The study aimed to describe the evolution of spending on private health insurance plans of Brazilian families, according to their income. Data from the Family Budget Surveys (POF) 2002-2003 and 2008-2009 were used. To compare the spending figures among the surveys, the Consumer Price Index (IPCA) was applied. The proportion of families with private health insurance expenses remained stable in both surveys (2002-2003 and 2008-2009), around 24%. However, the household spending on health insurance plans increased. Among those families who spent money oh health insurance plans, the average spending increased from R$154.35 to R$183.97. The average spending on health insurance plans was greater with increasing household income, as well as portions of the family income and total expenditure committed to these expenses. Spending on health insurance is concentrated among higher-income families, for which it was the main component of total health expenditure. PMID:26017945

  3. Including Internet insurance as part of a hospital computer network security plan.

    PubMed

    Riccardi, Ken

    2002-01-01

    Cyber attacks on a hospital's computer network is a new crime to be reckoned with. Should your hospital consider internet insurance? The author explains this new phenomenon and presents a risk assessment for determining network vulnerabilities. PMID:11951384

  4. HUD PowerSaver Pilot Loan Program

    SciTech Connect

    Zimring, Mark; Hoffman, Ian

    2010-12-10

    The U.S. Department of Housing and Urban Development (HUD) recently announced the creation of a pilot loan program for home energy improvements. The PowerSaver loan program is a new, energy-focused variant of the Title I Property Improvement Loan Insurance Program (Title I Program) and is planned for introduction in early 2011. The PowerSaver pilot will provide lender insurance for secured and unsecured loans up to $25,000 to single family homeowners. These loans will specifically target residential energy efficiency and renewable energy improvements. HUD estimates the two-year pilot will fund approximately 24,000 loans worth up to $300 million; the program is not capped. The Federal Housing Administration (FHA), HUD's mortgage insurance unit, will provide up to $25 million in grants as incentives to participating lenders. FHA is seeking lenders in communities with existing programs for promoting residential energy upgrades.

  5. Pilot test specific test plan for the removal of arsenic Socorro, New Mexico.

    SciTech Connect

    Collins, Sue S.; Aragon, Malynda Jo; Everett, Randy L.; Siegel, Malcolm Dean; Aragon, Alicia R.; Dwyer, Brian P.; Marbury, Justin Luke

    2006-03-01

    Sandia National Laboratories (SNL) is conducting pilot scale evaluations of the performance and cost of innovative drinking water treatment technologies designed to meet the new arsenic maximum contaminant level (MCL) of 10 {micro}g/L (effective January 2006). As currently envisioned, pilots tests may include multiple phases. Phase I tests will involve side-by-side comparisons of several commercial technologies primarily using design parameters suggested by the Vendors. Subsequent tests (Phase II) may involve repeating some of the original tests, testing the same commercial technologies under different conditions and testing experimental technologies or additional commercial technologies. This Pilot Test Specific Test Plan (PTSTP) was written for Phase I of the Socorro Springs Pilot. The objectives of Phase I include evaluation of the treatment performance of five adsorptive media under ambient pH conditions (approximately 8.0) and assessment of the effect of contact time on the performance of one of the media. Addenda to the PTSTP may be written to cover Phase II studies and supporting laboratory studies. The Phase I demonstration began in the winter of 2004 and will last approximately 9 months. The information from the test will help the City of Socorro choose the best arsenic treatment technology for the Socorro Springs well. The pilot demonstration is a project of the Arsenic Water Technology Partnership program, a partnership between the American Water Works Association (AWWA) Research Foundation, SNL, and WERC (A Consortium for Environmental Education and Technology Development).

  6. 100-OL-1 Operable Unit Field Portable X-Ray Fluorescence (XRF) Analyzer Pilot Study Plans

    SciTech Connect

    Bunn, Amoret L.; Fritz, Brad G.; Wellman, Dawn M.

    2014-07-15

    A pilot study is being conducted to support the approval of the Remedial Investigation/Feasibility Study (RI/FS) Work Plan to evaluate the 100-OL-1 Operable Unit (OU) pre-Hanford orchard lands. Based on comments received by the U.S. Environmental Protection Agency (EPA) and Washington State Department of Ecology, the pilot study will evaluate the use of field portable X-ray fluorescence (XRF) spectrometry measurements for evaluating lead and arsenic concentrations on the soil surface as an indicator of past use of lead arsenate pesticide residue in the OU. The work will be performed in the field during the summer of 2014, and assist in the planning for the characterization activities in the RI/FS.

  7. Fiscal year 1981 US corn and soybeans pilot preliminary experiment plan, phase 1

    NASA Technical Reports Server (NTRS)

    Livingston, G. P.; Nedelman, K. S.; Norwood, D. F.; Smith, J. H. (Principal Investigator)

    1981-01-01

    A draft of the preliminary experiment plan for the foreign commodity production forecasting project fiscal year 1981 is presented. This draft plan includes: definition of the phase 1 and 2 U.S. pilot objectives; the proposed experiment design to evaluate crop calendar, area estimation, and area aggregation components for corn and soybean technologies using 1978/1979 crop-year data; a description of individual sensitivity evaluations of the baseline corn and soybean segment classification procedure; and technology and data assessment in support of the corn and soybean estimation technology for use in the U.S. central corn belt.

  8. Waste Isolation Pilot Plant disposal phase supplemental environmental impact statement. Implementation plan

    SciTech Connect

    1996-05-01

    The Implementation Plan for the Waste Isolation Pilot Plant Disposal Phase Supplemental Environmental Impact Statement (SEIS-II) has two primary purposes: (1) To report on the results of the scoping process (2) To provide guidance for preparing SEIS-II SEIS-II will be the National Environmental Policy Act (NEPA) review for WIPP`s disposal phase. Chapter 1 of this plan provides background on WIPP and this NEPA review. Chapter 2 describes the purpose and need for action by the Department of Energy (hereafter DOE or the Department), as well as a description of the Proposed Action and alternatives being considered. Chapter 3 describes the work plan, including the schedule, responsibilities, and planned consultations with other agencies and organizations. Chapter 4 describes the scoping process, presents major issues identified during the scoping process, and briefly indicates how issues will be addressed in SEIS-II.

  9. Farmers Insures Success

    ERIC Educational Resources Information Center

    Freifeld, Lorri

    2012-01-01

    Farmers Insurance claims the No. 2 spot on the Training Top 125 with a forward-thinking training strategy linked to its primary mission: FarmersFuture 2020. It's not surprising an insurance company would have an insurance policy for the future. But Farmers takes that strategy one step further, setting its sights on 2020 with a far-reaching plan to…

  10. Developing Tsunami Evacuation Plans, Maps, And Procedures: Pilot Project in Central America

    NASA Astrophysics Data System (ADS)

    Arcos, N. P.; Kong, L. S. L.; Arcas, D.; Aliaga, B.; Coetzee, D.; Leonard, J.

    2015-12-01

    In the End-to-End tsunami warning chain, once a forecast is provided and a warning alert issued, communities must know what to do and where to go. The 'where to' answer would be reliable and practical community-level tsunami evacuation maps. Following the Exercise Pacific Wave 2011, a questionnaire was sent to the 46 Member States of Pacific Tsunami Warning System (PTWS). The results revealed over 42 percent of Member States lacked tsunami mass coastal evacuation plans. Additionally, a significant gap in mapping was exposed as over 55 percent of Member States lacked tsunami evacuation maps, routes, signs and assembly points. Thereby, a significant portion of countries in the Pacific lack appropriate tsunami planning and mapping for their at-risk coastal communities. While a variety of tools exist to establish tsunami inundation areas, these are inconsistent while a methodology has not been developed to assist countries develop tsunami evacuation maps, plans, and procedures. The International Tsunami Information Center (ITIC) and partners is leading a Pilot Project in Honduras demonstrating that globally standardized tools and methodologies can be applied by a country, with minimal tsunami warning and mitigation resources, towards the determination of tsunami inundation areas and subsequently community-owned tsunami evacuation maps and plans for at-risk communities. The Pilot involves a 1- to 2-year long process centered on a series of linked tsunami training workshops on: evacuation planning, evacuation map development, inundation modeling and map creation, tsunami warning & emergency response Standard Operating Procedures (SOPs), and conducting tsunami exercises (including evacuation). The Pilot's completion is capped with a UNESCO/IOC document so that other countries can replicate the process in their tsunami-prone communities.

  11. Health insurance reform legislation.

    PubMed

    DiSimone, R L

    1997-01-01

    The Health Insurance Portability and Accountability Act of 1996 (HIPAA), enacted on August 21, 1996 (Public Law 104-19), provides for improved access and renewability with respect to employment-related group health plans, to health insurance coverage sold in connection with group plans, and to the individual market (by amending the Public Health Service Act). The Act's provisions include improvements in portability and continuity of health insurance coverage; combatting waste, fraud, and abuse in health insurance and health care delivery; promoting the use of medical savings accounts; improving access to long-term care services and insurance coverage; administrative simplification; and addressing duplication and coordination of Medicare benefits. PMID:9483710

  12. Environmental protection implementation plan for the Waste Isolation Pilot Plant, November 9, 1989--November 9, 1990

    SciTech Connect

    Bitner, K.A.; Flynn, D.T.; Ice, L.G. ); Goodbar, A.K.; Jones, S.B.; Wilt, B.M. . Waste Isolation Div.)

    1990-02-09

    This Environmental Protection Implementation Plan (EPIP) has been prepared in accordance with US Department Energy (DOE) Order 5400.1 and covers the time period of January 1, 1990 through December 31, 1990. The purpose of this EPIP is to provide management direction to ensure that the Waste Isolation Pilot Plant (WIPP) is operated and managed in a manner that will protect, maintain, and, where necessary, restore environmental quality, minimize potential threats to public health and the environment, and comply with environmental regulations and DOE policies. The WIPP was authorized by Public Law 96-164 to provide a research and development facility for demonstrating the safe disposal of radioactive wastes produced by national defense activities. The DOE is developing the WIPP facility as deep geologic repository constructed in a thick bedded salt formation 655 meters (2,150 feet) below the land surface. It is currently planned that the WIPP facility will operate in a pilot plant mode for the first five years of operation. During this phase, DOE proposes to conduct certain tests designed to demonstrate safe handling and disposal operations. Procedures for evaluating facility performance relative to standards promulgated by the US Environmental Protection Agency (EPA) ((40 CFR Part 191)) will be evaluated during the first five years of operation. At the end of the five year pilot plant phase a decision will be made as to whether to make the WIPP facility a permanent repository. 33 refs., 5 figs.

  13. 26 CFR 1.105-11 - Self-insured medical reimbursement plan.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... purposes of this section if for the plan year the premiums paid by companies unrelated to the captive... for a plan year unless the plan satisfies subparagraphs (2) and (3) of this paragraph. However, a plan... consideration: (A) Employees who have not completed 3 years of service prior to the beginning of the plan...

  14. 26 CFR 1.105-11 - Self-insured medical reimbursement plan.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... purposes of this section if for the plan year the premiums paid by companies unrelated to the captive... for a plan year unless the plan satisfies subparagraphs (2) and (3) of this paragraph. However, a plan... consideration: (A) Employees who have not completed 3 years of service prior to the beginning of the plan...

  15. 26 CFR 1.105-11 - Self-insured medical reimbursement plan.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... purposes of this section if for the plan year the premiums paid by companies unrelated to the captive... for a plan year unless the plan satisfies subparagraphs (2) and (3) of this paragraph. However, a plan... consideration: (A) Employees who have not completed 3 years of service prior to the beginning of the plan...

  16. Health Insurance Coverage and Use of Family Planning Services among Current and Former Foster Youth: Implications of the Health Care Reform Law

    PubMed Central

    Dworsky, Amy; Ahrens, Kym; Courtney, Mark

    2013-01-01

    This research uses data from a longitudinal study to examine how two provisions in the Patient Protection and Affordable Care Act could affect health insurance coverage among young women who have aged out of foster care. It also explores how allowing young people to remain in foster care until age twenty-one affects their health insurance coverage, use of family planning services, and information about birth control. We find that young women are more likely to have health insurance if they remain in foster care until their twenty-first birthday and that having health insurance is associated with an increase in the likelihood of receiving family planning services. Our results also suggest that many young women who would otherwise lack health insurance after aging out of foster care will be eligible for Medicaid under the health care reform law. Because having health insurance is associated with use of family planning services, this increase in Medicaid eligibility may result in fewer unintended pregnancies among this high-risk population. PMID:23262773

  17. Health insurance coverage and use of family planning services among current and former foster youth: implications of the health care reform law.

    PubMed

    Dworsky, Amy; Ahrens, Kym; Courtney, Mark

    2013-04-01

    This research uses data from a longitudinal study to examine how two provisions in the Patient Protection and Affordable Care Act could affect health insurance coverage among young women who have aged out of foster care. It also explores how allowing young people to remain in foster care until age twenty-one affects their health insurance coverage, use of family planning services, and information about birth control. We find that young women are more likely to have health insurance if they remain in foster care until their twenty-first birthday and that having health insurance is associated with an increase in the likelihood of receiving family planning services. Our results also suggest that many young women who would otherwise lack health insurance after aging out of foster care will be eligible for Medicaid under the health care reform law. Because having health insurance is associated with use of family planning services, this increase in Medicaid eligibility may result in fewer unintended pregnancies among this high-risk population. PMID:23262773

  18. Pilot-scale treatability test plan for the 200-BP-5 operable unit

    SciTech Connect

    Not Available

    1994-08-01

    This document presents the treatability test plan for pilot-scale pump and treat testing at the 200-BP-5 Operable Unit. This treatability test plan has been prepared in response to an agreement between the U.S. Department of Energy (DOE), the U.S. Environmental Protection Agency (EPA), and the State of Washington Department of Ecology (Ecology), as documented in Hanford Federal Facility Agreement and Consent Order (Tri-Party Agreement, Ecology et al. 1989a) Change Control Form M-13-93-03 (Ecology et al. 1994) and a recent 200 NPL Agreement Change Control Form (Appendix A). The agreement also requires that, following completion of the activities described in this test plan, a 200-BP-5 Operable Unit Interim Remedial Measure (IRM) Proposed Plan be developed for use in preparing an Interim Action Record of Decision (ROD). The IRM Proposed Plan will be supported by the results of this treatability test plan, as well as by other 200-BP-5 Operable Unit activities (e.g., development of a qualitative risk assessment). Once issued, the Interim Action ROD will specify the interim action(s) for groundwater contamination at the 200-BP-5 Operable Unit. The treatability test approach is to conduct a pilot-scale pump and treat test for each of the two contaminant plumes associated with the 200-BP-5 Operable Unit. Primary contaminants of concern are {sup 99}Tc and {sup 60}Co for underwater affected by past discharges to the 216-BY Cribs, and {sup 90}Sr, {sup 239/240}Pu, and Cs for groundwater affected by past discharges to the 216-B-5 Reverse Well. The purpose of the pilot-scale treatability testing presented in this testplan is to provide the data basis for preparing an IRM Proposed Plan. To achieve this objective, treatability testing must: Assess the performance of groundwater pumping with respect to the ability to extract a significant amount of the primary contaminant mass present in the two contaminant plumes.

  19. Report on Pilot Test of State Agency Manpower Planning Methodology, Texas Water Quality Board Construction Grants Section.

    ERIC Educational Resources Information Center

    Texas State Dept. of Water Resources, Austin.

    This report presents the results of a pilot test by the Texas Water Quality Board (TWQB) of a manpower planning methodology developed by the U.S. Environmental Protection Agency (EPA), Office of Water Programs. Project outputs are described and illustrated in sections of the report dealing with work to be done, organizational staffing plan,…

  20. Quality assurance plan for 1991 pilot study of the ecological condition of municipal wastewater constructed wetland treatment systems

    SciTech Connect

    Sherman, A.D.; McAllister, L.S.

    1992-12-01

    The purpose of the quality assurance plan is to detail the methods and procedures to be used in the pilot study of the ecological condition in municipal wastewater constructed wetland treatment systems. It includes specific procedures for assuring that data are of known, high quality. Background material and description of the general approach are outlined in a separate project work plan.

  1. Quality of Life Intervention Planning: Pilot Study in Youth with Kidney Failure Who Are on Dialysis.

    PubMed

    Neul, Shari K

    2015-01-01

    This pilot study assessed the feasibility and acceptability of a new quality of life (QOL) assessment and intervention methodology (AIM) for youth on dialysis and their caregivers. Thirty-nine patients and their caregivers participated in the QOL AIM, which incorporates patient-centered care practices to identify needs, choose interventions, and evaluate impact on QOL functioning. Participants found the QOL AIM to be feasible and acceptable, and were overall satisfied with perceived improvement in patient QOL functioning. The QOL AIM shows promise for QOL intervention planning. PMID:26591273

  2. Studies of planning behavior of aircraft pilots in normal, abnormal, and emergency situations

    NASA Technical Reports Server (NTRS)

    Johannsen, G.; Rouse, W. B.; Hillmann, K.

    1981-01-01

    A methodology for the study of human planning behavior in complex dynamic systems is presented and applied to the study of aircraft pilot behavior in normal, abnormal and emergency situations. The method measures the depth of planning, that is the level of detail employed with respect to a specific task, according to responses to a verbal questionnaire, and compares planning depth with variables relating to time, task criticality and the probability of increased task difficulty. In two series of experiments, depth of planning was measured on a five- or ten-point scale during various phases of flight in a HFB-320 simulator under normal flight conditions, abnormal scenarios involving temporary runway closure due to snow removal or temporary CAT-III conditions due to a dense fog, and emergency scenarios involving engine shut-down or hydraulic pressure loss. Results reveal a dichotomy between event-driven and time-driven planning, different effects of automation in abnormal and emergency scenarios and a low correlation between depth of planning and workload or flight performance.

  3. New state insurance exchanges should follow the example of Massachusetts by simplifying choices among health plans.

    PubMed

    Day, Rosemarie; Nadash, Pamela

    2012-05-01

    Although the Affordable Care Act requires states to establish health insurance exchanges, states have considerable discretion in the exchanges' design and in the range of products offered. We argue for a more activist approach, based on the Massachusetts experience, which found that consumers want the exchange to act as a trusted adviser and to offer a reasonable set of choices, but not too many. These findings are reflected in the Medicare prescription drug, Advantage, and Medigap markets and in the Dutch and Swiss experiences, which validate the evolving approach of Massachusetts of limiting the number of options, standardizing products, and providing consumer supports. PMID:22566437

  4. A plan analysis of pedophile sexual abusers' motivations for treatment: a qualitative pilot study.

    PubMed

    Drapeau, Martin; Körner, Annett; Granger, Luc; Brunet, Louis; Caspar, Franz

    2005-06-01

    Many authors have suggested adapting treatment programs to the specific needs of sexual abusers. However, little research has been conducted to understand what these patients seek in therapy or what elements play a key role in keeping them in treatment. In this pilot study, fifteen (N=15) pedophile sexual abusers from La Macaza clinic for sexual abusers were interviewed. Plan analysis was used to investigate the most prevalent components involved in staying in or leaving therapy. Results suggest that many components involved in the plans leading to doing and to avoiding treatment were similar. Differences were found in regards to the outcome of confrontations with the therapists, a tendency to isolate and overcomply, guilt related to the abuse, a need for a stable environment, and a need to be accepted. These results are discussed along with possible ways to improve the patients' involvement in treatment. PMID:15851510

  5. Can Plan Recommendations Improve the Coverage Decisions of Vulnerable Populations in Health Insurance Marketplaces?

    PubMed Central

    Barnes, Andrew J.; Hanoch, Yaniv; Rice, Thomas

    2016-01-01

    Objective The Affordable Care Act’s marketplaces present an important opportunity for expanding coverage but consumers face enormous challenges in navigating through enrollment and re-enrollment. We tested the effectiveness of a behaviorally informed policy tool—plan recommendations—in improving marketplace decisions. Study Setting Data were gathered from a community sample of 656 lower-income, minority, rural residents of Virginia. Study Design We conducted an incentive-compatible, computer-based experiment using a hypothetical marketplace like the one consumers face in the federally-facilitated marketplaces, and examined their decision quality. Participants were randomly assigned to a control condition or three types of plan recommendations: social normative, physician, and government. For participants randomized to a plan recommendation condition, the plan that maximized expected earnings, and minimized total expected annual health care costs, was recommended. Data Collection Primary data were gathered using an online choice experiment and questionnaire. Principal Findings Plan recommendations resulted in a 21 percentage point increase in the probability of choosing the earnings maximizing plan, after controlling for participant characteristics. Two conditions, government or providers recommending the lowest cost plan, resulted in plan choices that lowered annual costs compared to marketplaces where no recommendations were made. Conclusions As millions of adults grapple with choosing plans in marketplaces and whether to switch plans during open enrollment, it is time to consider marketplace redesigns and leverage insights from the behavioral sciences to facilitate consumers’ decisions. PMID:27028008

  6. Application of a single sampling plan for auditing medical-claim payments made by Taiwan National Health Insurance.

    PubMed

    Fu, Hwai-Hui; Tsai, Hsien-Tang; Lin, Ching-Wei; Wei, Duan

    2004-11-01

    National Health Insurance (NHI) has been implemented in Taiwan for nearly a decade. Owing to growing demand for medical-care, effective sampling auditing is a key factor in obtaining reasonably priced medical-care services. This investigation proposes a conceptual framework "medical-claim payment auditing (MCPA) procedure" based on the "Military Standard 105E (MIL-STD-105E) single sampling plan" for establishing an objective criterion for making medical-claim payments fairly. The MCPA procedure contributes to the following: (1) meeting international standards of sampling technology; (2) reducing the sampling ratio and consequently auditing costs; and (3) encouraging healthcare providers to honestly apply their medical-claim payments thus avoid wasting medical resources. PMID:15364148

  7. The Impact of Lifetime Drug Use on Hepatitis C Treatment Outcomes in Insured Members of an Integrated Health Care Plan

    PubMed Central

    Pauly, Mary Patricia; Moore, Charles Denton; Chia, Constance; Dorrell, Jennifer Mary; Cunanan, Renee Junko; Witt, Gayle

    2013-01-01

    Background The relation of drug use to HCV treatment outcome in an insured household population has not been previously reported. Methods Lifetime frequencies of marijuana use and non-medical use of stimulants, sedatives, and opioids; hallucinogens; and inhalants were retrospectively assessed in 259 privately insured members of an integrated health care plan treated for chronic hepatitis C virus infection (HCV+) with pegylated interferon alpha and ribavirin and examined with respect to rates of sustained virological response (SVR). Results The majority of patients reported chronic use of multiple illegal drugs; 61.6% reported injection drug use (IDU); 79.5% abstained from drug use during the six months prior to HCV treatment. Total frequency of individual drugs, multiple drugs, and length of abstention from drugs prior to HCV treatment were not related to impaired SVR rates. Sustained viral responses were obtained in 80.2% of patients with HCV genotype 2/3 and 45.1% of patients with genotype 1/4/6. Marijuana use during HCV treatment, reported by 8.5% of patients, was associated with higher treatment adherence (95.5% compared with 78.9%, p=0.045), but lower SVR rates (40.9% compared with 62.5%, p=0.041). In addition, drug use during HCV treatment was associated with significantly higher relapse rates, 18.8% compared with 7.7% (p=.053). Conclusion A history of chronic illegal drug use should not be considered a deterrent to HCV treatment in members of an integrated health care plan who are motivated to seek treatment and closely monitored, but drug use during HCV treatment, including marijuana use, should be discouraged. PMID:24262649

  8. Development and pilot demonstration program of a waste minimization plan at Argonne National Laboratory

    SciTech Connect

    Peters, R.W.; Wentz, C.A.; Thuot, J.R.

    1991-01-01

    In response to US Department of Energy directives, Argonne National Laboratory (ANL) has developed a waste minimization plan aimed at reducing the amount of wastes at this national research and development laboratory. Activities at ANL are primarily research- oriented and as such affect the amount and type of source reduction that can be achieved at this facility. The objective of ANL's waste minimization program is to cost-effectively reduce all types of wastes, including hazardous, mixed, radioactive, and nonhazardous wastes. The ANL Waste Minimization Plan uses a waste minimization audit as a systematic procedure to determine opportunities to reduce or eliminate waste. To facilitate these audits, a computerized bar-coding procedure is being implemented at ANL to track hazardous wastes from where they are generated to their ultimate disposal. This paper describes the development of the ANL Waste Minimization Plan and a pilot demonstration of the how the ANL Plan audited the hazardous waste generated within a selected divisions of ANL. It includes quantitative data on the generation and disposal of hazardous waste at ANL and describes potential ways to minimize hazardous wastes. 2 refs., 5 figs., 8 tabs.

  9. 75 FR 27464 - Special Reporting, Analysis and Contingent Resolution Plans at Certain Large Insured Depository...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-17

    ... CORPORATION 12 CFR Part 360 RIN 3064-AD59 Special Reporting, Analysis and Contingent Resolution Plans at... complex financial parent companies to submit to the FDIC analysis, information, and contingent resolution... be wound down or resolved in an orderly fashion. The IDI's plan would include a gap analysis...

  10. Test phase plan for the Waste Isolation Pilot Plant. Revision 1

    SciTech Connect

    Not Available

    1993-03-01

    The US Department of Energy (DOE) has prepared this Test Phase Plan for the Waste Isolation Pilot Plant to satisfy the requirements of Public Law 102-579, the Waste Isolation Pilot Plant (WIPP) Land Withdrawal Act (LWA). The Act provides seven months after its enactment for the DOE to submit this Plan to the Environmental Protection Agency (EPA) for review. A potential geologic repository for transuranic wastes, including transuranic mixed wastes, generated in national-defense activities, the WIPP is being constructed in southeastern New Mexico. Because these wastes remain radioactive and chemically hazardous for a very long time, the WIPP must provide safe disposal for thousands of years. The DOE is developing the facility in phases. Surface facilities for receiving waste have been built and considerable underground excavations (2150 feet below the surface) that are appropriate for in-situ testing, have been completed. Additional excavations will be completed when they are required for waste disposal. The next step is to conduct a test phase. The purpose of the test phase is to develop pertinent information and assess whether the disposal of transuranic waste and transuranic mixed waste in the planned WIPP repository can be conducted in compliance with the environmental standards for disposal and with the Solid Waste Disposal Act (SWDA) (as amended by RCRA, 42 USC. 6901 et. seq.). The test phase includes laboratory experiments and underground tests using contact-handled transuranic waste. Waste-related tests at WIPP will be limited to contact-handled transuranic and simulated wastes since the LWA prohibits the transport to or emplacement of remote-handled transuranic waste at WIPP during the test phase.

  11. 29 CFR 2580.412-16 - Amount of bond required in given types of bonds or where more than one plan is insured in the...

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... required to carry bond in at least the amount of $50,000 and Plan A, $10,000. (d) Additionally, in order to... 29 Labor 9 2010-07-01 2010-07-01 false Amount of bond required in given types of bonds or where more than one plan is insured in the same bond. 2580.412-16 Section 2580.412-16 Labor...

  12. 29 CFR 2580.412-16 - Amount of bond required in given types of bonds or where more than one plan is insured in the...

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... required to carry bond in at least the amount of $50,000 and Plan A, $10,000. (d) Additionally, in order to... 29 Labor 9 2013-07-01 2013-07-01 false Amount of bond required in given types of bonds or where more than one plan is insured in the same bond. 2580.412-16 Section 2580.412-16 Labor...

  13. 29 CFR 2580.412-16 - Amount of bond required in given types of bonds or where more than one plan is insured in the...

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... required to carry bond in at least the amount of $50,000 and Plan A, $10,000. (d) Additionally, in order to... 29 Labor 9 2011-07-01 2011-07-01 false Amount of bond required in given types of bonds or where more than one plan is insured in the same bond. 2580.412-16 Section 2580.412-16 Labor...

  14. 29 CFR 2580.412-16 - Amount of bond required in given types of bonds or where more than one plan is insured in the...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... required to carry bond in at least the amount of $50,000 and Plan A, $10,000. (d) Additionally, in order to... 29 Labor 9 2014-07-01 2014-07-01 false Amount of bond required in given types of bonds or where more than one plan is insured in the same bond. 2580.412-16 Section 2580.412-16 Labor...

  15. 29 CFR 2580.412-16 - Amount of bond required in given types of bonds or where more than one plan is insured in the...

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... required to carry bond in at least the amount of $50,000 and Plan A, $10,000. (d) Additionally, in order to... 29 Labor 9 2012-07-01 2012-07-01 false Amount of bond required in given types of bonds or where more than one plan is insured in the same bond. 2580.412-16 Section 2580.412-16 Labor...

  16. Development and pilot testing of a mental healthcare plan in Nepal

    PubMed Central

    Jordans, M. J. D.; Luitel, N. P.; Pokhrel, P.; Patel, V.

    2016-01-01

    Background Mental health service delivery models that are grounded in the local context are needed to address the substantial treatment gap in low- and middle-income countries. Aims To present the development, and content, of a mental healthcare plan (MHCP) in Nepal and assess initial feasibility. Method A mixed methods formative study was conducted. Routine monitoring and evaluation data, including client flow and reports of satisfaction, were obtained from patients (n = 135) during the pilot-testing phase in two health facilities. Results The resulting MHCP consists of 12 packages, divided over community, health facility and organisation platforms. Service implementation data support the real-life applicability of the MHCP, with reasonable treatment uptake. Key barriers were identified and addressed, namely dissatisfaction with privacy, perceived burden among health workers and high drop-out rates. Conclusions The MHCP follows a collaborative care model encompassing community and primary healthcare interventions. PMID:26447173

  17. 1997 annual ground control operating plan for the Waste Isolation Pilot Plant

    SciTech Connect

    1997-02-01

    This plan presents background information and a working guide to assist Mine Operations and Engineering in developing strategies for addressing ground control issues at the Waste Isolation Pilot Plant (WIPP). With the anticipated receipt of waste in late 1997, this document provides additional detail to Panel 1 activities and options. The plan also serves as a foundation document for development and revision of the annual long-term ground control plan. Section 2.0 documents the current status of all underground excavations with respect to location, geology, geometry, age, ground support, operational use, projected life, and physical conditions. Section 3.0 presents the methods used to evaluate ground conditions, including visual observations of the roof, ribs, and floor, inspection of observation holes, and review of instrumentation data. Section 4.0 lists several ground support options and specific applications of each. Section 5.0 discusses remedial ground control measures that have been implemented to date. Section 6.0 presents projections and recommendations for ground control actions based on the information in Sections 2.0 through 5.0 of this plan and on a rating of the critical nature of each specific area. Section 7.0 presents a summary statement, and Section 8.0 includes references. Appendix A provides an overview and critique of ground control systems that have been, or may be, used at the site. Because of the dynamic nature of the underground openings and associated geotechnical activities, this plan will be revised as additional data are incorporated.

  18. Innovative strategies to help Consumer Operated and Oriented Plans (CO-OPs) compete in new insurance marketplaces.

    PubMed

    Gardiner, Terry; Neece, Roger; Mendelevitz, Michael

    2012-04-01

    The Affordable Care Act paves the way for groups to develop innovative, affordable health insurance and care options known as Consumer Operated and Oriented Plans (CO-OPs). These CO-OPs will be nonprofit, consumer-controlled entities that are designed to serve individuals and small businesses, especially in noncompetitive markets. The CO-OP provision was included in the Affordable Care Act to address the lack of affordable health plan alternatives in many state and regional markets and to counter a trend toward market concentration. Despite their promise, CO-OPs face a number of business challenges that go beyond typical start-up hurdles. This issue brief lays out a number of innovative strategies CO-OP organizers are developing to increase the odds of long-term sustainability and economic success. These strategies--aimed at building market share, creating integrated provider networks, and achieving cost savings through payment reform--could establish CO-OPs as a viable new entrant in the health care field. PMID:22582450

  19. Outcome-Based Education Pilot Program: Guidelines for Developing Plans, 1993-94 to 1996-97.

    ERIC Educational Resources Information Center

    North Carolina State Dept. of Public Instruction, Raleigh. Div. of Development Services.

    Guidelines for North Carolina public schools that are interested in developing and submitting plans for outcome-based education (OBE) pilot programs for the years 1993-94 and 1996-97 are offered in this document. The OBE program is based on the premise that all students can learn and focuses on the expectations for achievement necessary for…

  20. QUALITY ASSURANCE PLAN FOR 1991 PILOT STUDY OF ECOLOGICAL CONDITION OF MUNICIPAL WASTEWATER CONSTRUCTED WETLAND TREATMENT SYSTEMS

    EPA Science Inventory

    The purpose of this quality assurance plan is to detail the methods and procedures to be used in the pilot study of the ecological condition in municipal wastewater constructed wetland treatment systems. t includes specific procedures for assuring that data are of known, high qua...

  1. Aviation and insurance

    NASA Technical Reports Server (NTRS)

    Mayo, R H

    1922-01-01

    This article considers some of the causes which hinder the development of aircraft insurance. Different risks are discussed as well as the causes of aircraft accidents. Pilot error, poor airdromes, weather conditions, poorly adapted airplanes, and engine failures are all examined and some conclusions are made.

  2. About Insurance.

    ERIC Educational Resources Information Center

    Pieslak, Raymond F.

    The student manual for high school level special needs students was prepared to acquaint deaf students with the various types of insurance protection that will be available to them in their future life. Seven units covering the topics of what insurance is, automobile insurance, life insurance, health insurance, social security, homeowner's…

  3. Health Insurance: Most College Students Are Covered through Employer-Sponsored Plans, and Some Colleges and States Are Taking Steps to Increase Coverage. Report to the Committee on Health, Education, Labor, and Pensions, U.S. Senate. GAO-08-389

    ERIC Educational Resources Information Center

    Dicken, John E.

    2008-01-01

    College students face challenges obtaining health insurance: they may not have access to insurance through an employer, and as they get older, they may lose dependent coverage obtained through a parent's plan. Federal law ensures continued access to health insurance for some, but not all, such students. Without health insurance, college students…

  4. New York City Energy-Water Integrated Planning: A Pilot Study

    SciTech Connect

    Bhatt,V.; Crosson, K. M.; Horak, W.; Reisman, A.

    2008-12-16

    The New York City Energy-Water Integrated Planning Pilot Study is one of several projects funded by Sandia National Laboratories under the U.S. Department of Energy Energy-Water Nexus Program. These projects are intended to clarify some key issues and research needs identified during the Energy-Water Nexus Roadmapping activities. The objectives of the New York City Pilot Project are twofold: to identify energy-water nexus issues in an established urban area in conjunction with a group of key stakeholders and to define and apply an integrated energy and water decision support tool, as proof-of-concept, to one or more of these issues. During the course of this study, the Brookhaven National Laboratory project team worked very closely with members of a Pilot Project Steering Committee. The Steering Committee members brought a breadth of experience across the energy, water and climate disciplines, and all are well versed in the particular issues faced by an urban environment, and by New York City in particular. The first task was to identify energy-water issues of importance to New York City. This exercise was followed by discussion of the qualities and capabilities that an ideal decision support tool should display to address these issues. The decision was made to start with an existing energy model, the New York City version of the MARKAL model, developed originally at BNL and now used globally by many groups for energy analysis. MARKAL has the virtue of being well-vetted, transparent, and capable of calculating 'material' flows, such as water use by the energy system and energy requirements of water technology. The Steering Committee members defined five scenarios of interest, representing a broad spectrum of New York City energy-water issues. Brookhaven National Laboratory researchers developed a model framework (Water-MARKAL) at the desired level of detail to address the scenarios, and then attempted to gather the New York City-specific information required to

  5. Development and pilot testing of a mobile health solution for asthma self-management: Asthma action plan smartphone application pilot study

    PubMed Central

    Licskai, Christopher J; Sands, Todd W; Ferrone, Madonna

    2013-01-01

    BACKGROUND: Collaborative self-management is a core recommendation of national asthma guidelines; the written action plan is the knowledge tool that supports this objective. Mobile health technologies have the potential to enhance the effectiveness of the action plan as a knowledge translation tool. OBJECTIVE: To design, develop and pilot a mobile health system to support asthma self-management. METHODS: The present study was a prospective, single-centre, nonrandomized, pilot preintervention-postintervention analysis. System design and development were guided by an expert steering committee. The network included an agnostic web browser-based asthma action plan smart-phone application (SPA). Subjects securely transmitted symptoms and peak flow data daily, and received automated control assessment, treatment advice and environmental alerts. RESULTS: Twenty-two adult subjects (mean age 47 years, 82% women) completed the study. Biophysical data were received on 84% of subject days (subject day = 1 subject × 1 day). Subjects viewed their action plan current zone of control on 54% and current air quality on 61% of subject days, 86% followed self-management advice and 50% acted to reduce exposure risks. A large majority affirmed ease of use, clarity and timeliness, and 95% desired SPA use after the study. At baseline, 91% had at least one symptom criterion for uncontrolled asthma and 64% had ≥2, compared with 45% (P=0.006) and 27% (P=0.022) at study close. Mean Asthma Quality of Life Questionnaire score improved from 4.3 to 4.8 (P=0.047). CONCLUSIONS: A dynamic, real-time, interactive, mobile health system with an integrated asthma action plan SPA can support knowledge translation at the patient and provider levels. PMID:23936890

  6. Acute Whiplash Injury Study (AWIS): a protocol for a cluster randomised pilot and feasibility trial of an Active Behavioural Physiotherapy Intervention in an insurance private setting

    PubMed Central

    Wiangkham, Taweewat; Duda, Joan; Haque, M Sayeed; Price, Jonathan; Rushton, Alison

    2016-01-01

    Introduction Whiplash-associated disorder (WAD) causes substantial social and economic burden internationally. Up to 60% of patients with WAD progress to chronicity. Research therefore needs to focus on effective management in the acute stage to prevent the development of chronicity. Approximately 93% of patients are classified as WADII (neck complaint and musculoskeletal sign(s)), and in the UK, most are managed in the private sector. In our recent systematic review, a combination of active and behavioural physiotherapy was identified as potentially effective in the acute stage. An Active Behavioural Physiotherapy Intervention (ABPI) was developed through combining empirical (modified Delphi study) and theoretical (social cognitive theory focusing on self-efficacy) evidence. This pilot and feasibility trial has been designed to inform the design of an adequately powered definitive randomised controlled trial. Methods and analysis Two parallel phases. (1) An external pilot and feasibility cluster randomised double-blind (assessor and participants), parallel two-arm (ABPI vs standard physiotherapy) clinical trial to evaluate procedures and feasibility. Six UK private physiotherapy clinics will be recruited and cluster randomised by a computer-generated randomisation sequence. Sixty participants (30 each arm) will be assessed at recruitment (baseline) and at 3 months postbaseline. The planned primary outcome measure is the neck disability index. (2) An embedded exploratory qualitative study using semistructured indepth interviews (n=3–4 physiotherapists) and a focus group (n=6–8 patients) and entailing the recruitment of purposive samples will explore perceptions of the ABPI. Quantitative data will be analysed descriptively. Qualitative data will be coded and analysed deductively (identify themes) and inductively (identify additional themes). Ethics and dissemination This trial is approved by the University of Birmingham Ethics Committee (ERN_15-0542). Trial

  7. Developing Items to Measure Theory of Planned Behavior Constructs for Opioid Administration for Children: Pilot Testing.

    PubMed

    Vincent, Catherine; Riley, Barth B; Wilkie, Diana J

    2015-12-01

    The Theory of Planned Behavior (TpB) is useful to direct nursing research aimed at behavior change. As proposed in the TpB, individuals' attitudes, perceived norms, and perceived behavior control predict their intentions to perform a behavior and subsequently predict their actual performance of the behavior. Our purpose was to apply Fishbein and Ajzen's guidelines to begin development of a valid and reliable instrument for pediatric nurses' attitudes, perceived norms, perceived behavior control, and intentions to administer PRN opioid analgesics when hospitalized children self-report moderate to severe pain. Following Fishbein and Ajzen's directions, we were able to define the behavior of interest and specify the research population, formulate items for direct measures, elicit salient beliefs shared by our target population and formulate items for indirect measures, and prepare and test our questionnaire. For the pilot testing of internal consistency of measurement items, Cronbach alphas were between 0.60 and 0.90 for all constructs. Test-retest reliability correlations ranged from 0.63 to 0.90. Following Fishbein and Ajzen's guidelines was a feasible and organized approach for instrument development. In these early stages, we demonstrated good reliability for most subscales, showing promise for the instrument and its use in pain management research. Better understanding of the TpB constructs will facilitate the development of interventions targeted toward nurses' attitudes, perceived norms, and/or perceived behavior control to ultimately improve their pain behaviors toward reducing pain for vulnerable children. PMID:26527107

  8. Preparations and Planning for EPA Recertification of the Waste Isolation Pilot Plant

    SciTech Connect

    Casey, S. C.; Shoemaker, P. E.; Patterson, R. L.

    2002-02-25

    The Waste Isolation Pilot Plant (WIPP) Recertification Project was established to meet the requirement of the WIPP Land Withdrawal Act (LWA)1 to demonstrate continued compliance with U.S. Environmental Protection Agency (EPA) disposal regulations at five-year intervals. This paper delineates the objective of the first recertification effort, sets out project goals, and establishes guiding assumptions. It describes the overall direction for a highly complex and interdependent set of tasks leading to recertification of the WIPP repository in 2004. This paper also lays out a high-level schedule for producing the WIPP Compliance Recertification Application (CRA). The major principle behind recertification is that the EPA recertification decision will not involve rulemaking or judicial review. To ensure that the EPA is able to retain this principle, the U.S. Department of Energy (DOE) will not be incorporating changes through the recertification process. Only changes previously approved by the EPA will be included in the CRA. The EPA can approve significant changes to the current WIPP Certification through rulemaking. Non-significant changes are approved without rulemaking through the planned change reporting process [Title 40 Code of Federal Regulations (CFR), Section 194.4(b)].

  9. Health Insurance Marketplaces: Early Findings on Changes in Plan Availability and Premiums in Rural Places, 2014-2015.

    PubMed

    Barker, Abigail; McBride, Timothy D; Kemper, Leah M; Mueller, Keith

    2015-05-01

    The Patient Protection and Affordable Care Act established Health Insurance Marketplaces (HIMs) in all 50 states and the District of Columbia. This policy brief assesses the changes in HIMs from 2014 to 2015 in terms of choices offered and premiums charged, with emphasis on how these measures vary across rural and urban places. Key Findings. (1) In 74 percent of HIM rating areas, the number of firms operating increased by at least one, while the number of firms decreased in only about 6 percent of rating areas. Further, 64 percent of rating areas with fewer than 50 persons per square mile gained at least one firm. (2) There was no consistent pattern of premium increases with respect to rating area population density (used as a proxy here for the degree of "ruralness" of the rating areas). Nationally, rural areas are not experiencing higher premium increases than their urban counterparts. In fact, the lowest increases in second-lowest cost silver plan premiums occurred in the medium-density population rating areas of 51 to 300 persons per square mile. (3) Average adjusted premiums increased from 2014 to 2015 by 6.7 percent in Federally-Facilitated Marketplaces (FFMs) compared to just 1.4 percent in State-Based Marketplaces (SBMs). Regardless of SBM or FFM status, premium increases across the United States were negatively correlated with the number of firms entering the market. (4) Analysis of the most rural states, in terms of percentage of the population classified as nonmetropolitan, shows that, in general, premiums fell significantly in rural places where they had been rather high, and they increased in rural places where they had been rather low. The five rural states with the lowest premium increases had an average of 0.17 firms entering the market, while the five with the highest premium increases had an average of 0.50 firms exiting the market. PMID:26793814

  10. Economic Effects of Legislations and Policies to Expand Mental Health and Substance Abuse Benefits in Health Insurance Plans: A Community Guide Systematic Review

    PubMed Central

    Jacob, Verughese; Qu, Shuli; Chattopadhyay, Sajal; Sipe, Theresa Ann; Knopf, John A.; Goetzel, Ron Z.; Finnie, Ramona; Thota, Anilkrishna B.

    2015-01-01

    Background Health insurance plans have historically limited the benefits for mental health and substance abuse (MH/SA) services compared to benefits for physical health services. In recent years, legislative and policy initiatives in the U.S. have been taken to expand MH/SA health insurance benefits and achieve parity with physical health benefits. The relevance of these legislations for international audiences is also explored, particularly for the European context. Aims of the Study This paper reviews the evidence of costs and economic benefits of legislative or policy interventions to expand MH/SA health insurance benefits in the U.S. The objectives are to assess the economic value of the interventions by comparing societal cost to societal benefits, and to determine impact on costs to insurance plans resulting from expansion of these benefits. Methods The search for economic evidence covered literature published from January 1950 to March 2011 and included evaluations of federal and state laws or rules that expanded MH/SA benefits as well as voluntary actions by large employers. Two economists screened and abstracted the economic evidence of MH/SA benefits legislation based on standard economic and actuarial concepts and methods. Results The economic review included 12 studies: eleven provided evidence on cost impact to health plans, and one estimated the effect on suicides. There was insufficient evidence to determine if the intervention was cost-effective or cost-saving. However, the evidence indicates that MH/SA benefits expansion did not lead to any substantial increase in costs to insurance plans, measured as a percentage of insurance premiums. Discussion and Limitations This review is unable to determine the overall economic value of policies that expand MH/SA insurance benefits due to lack of cost-effectiveness and cost-benefit studies, predominantly due to the lack of evaluations of morbidity and mortality outcomes. This may be remedied in time when

  11. Project Management Plan for the Idaho National Engineering Laboratory Waste Isolation Pilot Plant Experimental Test Program

    SciTech Connect

    Connolly, M.J.; Sayer, D.L.

    1993-11-01

    EG&G Idaho, Inc. and Argonne National Laboratory-West (ANL-W) are participating in the Idaho National Engineering Laboratory`s (INEL`s) Waste Isolation Pilot Plant (WIPP) Experimental Test Program (WETP). The purpose of the INEL WET is to provide chemical, physical, and radiochemical data on transuranic (TRU) waste to be stored at WIPP. The waste characterization data collected will be used to support the WIPP Performance Assessment (PA), development of the disposal No-Migration Variance Petition (NMVP), and to support the WIPP disposal decision. The PA is an analysis required by the Code of Federal Regulations (CFR), Title 40, Part 191 (40 CFR 191), which identifies the processes and events that may affect the disposal system (WIPP) and examines the effects of those processes and events on the performance of WIPP. A NMVP is required for the WIPP by 40 CFR 268 in order to dispose of land disposal restriction (LDR) mixed TRU waste in WIPP. It is anticipated that the detailed Resource Conservation and Recovery Act (RCRA) waste characterization data of all INEL retrievably-stored TRU waste to be stored in WIPP will be required for the NMVP. Waste characterization requirements for PA and RCRA may not necessarily be identical. Waste characterization requirements for the PA will be defined by Sandia National Laboratories. The requirements for RCRA are defined in 40 CFR 268, WIPP RCRA Part B Application Waste Analysis Plan (WAP), and WIPP Waste Characterization Program Plan (WWCP). This Project Management Plan (PMP) addresses only the characterization of the contact handled (CH) TRU waste at the INEL. This document will address all work in which EG&G Idaho is responsible concerning the INEL WETP. Even though EG&G Idaho has no responsibility for the work that ANL-W is performing, EG&G Idaho will keep a current status and provide a project coordination effort with ANL-W to ensure that the INEL, as a whole, is effectively and efficiently completing the requirements for WETP.

  12. Description of the computations and pilot procedures for planning fuel-conservative descents with a small programmable calculator

    NASA Technical Reports Server (NTRS)

    Vicroy, D. D.; Knox, C. E.

    1983-01-01

    A simplified flight management descent algorithm was developed and programmed on a small programmable calculator. It was designed to aid the pilot in planning and executing a fuel conservative descent to arrive at a metering fix at a time designated by the air traffic control system. The algorithm may also be used for planning fuel conservative descents when time is not a consideration. The descent path was calculated for a constant Mach/airspeed schedule from linear approximations of airplane performance with considerations given for gross weight, wind, and nonstandard temperature effects. The flight management descent algorithm and the vertical performance modeling required for the DC-10 airplane is described.

  13. Description of the computations and pilot procedures for planning fuel-conservative descents with a small programmable calculator

    SciTech Connect

    Vicroy, D.D.; Knox, C.E.

    1983-05-01

    A simplified flight management descent algorithm was developed and programmed on a small programmable calculator. It was designed to aid the pilot in planning and executing a fuel conservative descent to arrive at a metering fix at a time designated by the air traffic control system. The algorithm may also be used for planning fuel conservative descents when time is not a consideration. The descent path was calculated for a constant Mach/airspeed schedule from linear approximations of airplane performance with considerations given for gross weight, wind, and nonstandard temperature effects. The flight management descent algorithm and the vertical performance modeling required for the DC-10 airplane is described.

  14. Waste retrieval plan for the Waste Isolation Pilot Plant. Revision 1

    SciTech Connect

    Not Available

    1993-03-01

    The US DOE has prepared this plan to meet the requirements of Public Law 102579, the Waste Isolation Pilot Plant (WIPP) LWA, The purpose. is to demonstrate readiness to retrieve from the WIPP underground transuranic radioactive waste that will be used for testing should retrieval be needed. The WIPP, a potential geologic repository for transuranic wastes generated in national-defense activities, has been constructed in southeastern New Mexico. Because the transuranic wastes will remain radioactive for a very long time, the WIPP must reasonably ensure safe performance over thousands of years. The DOE therefore decided to develop the facility in phases, to preclude premature decisions and to conduct the performance assessments needed to demonstrate long-term safety. Surface facilities for receiving waste have been built, and considerable underground excavation, 2150 feet below the surface, has been completed. The next step is a test phase, including underground experiments called ``bin tests`` and ``alcove test(s)`` with contact-handled transuranic waste. The objective of these waste tests is to collect relevant data about the gas-generation potential and volatile organic compound (VOC) source term of the waste for developing a basis for demonstrating long term safety by compliance with the applicable disposal regulations (40 CFR 191, 264 and 268). The test phase will end when a decision is made to begin disposal in the WIPP or to terminate the project if regulatory compliance cannot be determined and demonstrated. Authorization to receive transuranic waste at the WIPP for the test phase is given by the WIPP LWA provided certain requirements are met.

  15. Keep insurers honest.

    PubMed

    Ortolon, Ken

    2012-08-01

    A law that the Texas Medical Association worked hard to pass in 2009 requires insurers' physician-ranking programs to use nationally recognized standards and guidelines and requires insurance plans to disclose those measurements to physicians before the evaluation period. It also gives physicians the right to dispute their rankings before insurers publish or advertise them to the public. TMA officials say most of the major plans suspended their ranking programs after the law was passed. But some of those insurance companies are preparing to roll out updated versions of their ranking programs early next year. TMA officials say physicians need to be aware of their rights and how to appeal any adverse rankings under the law. PMID:22855015

  16. Health Insurance

    MedlinePlus

    Health insurance helps protect you from high medical care costs. It is a contract between you and your ... Many people in the United States get a health insurance policy through their employers. In most cases, the ...

  17. Health Insurance

    MedlinePlus

    Health insurance helps protect you from high medical care costs. It is a contract between you and ... Many people in the United States get a health insurance policy through their employers. In most cases, ...

  18. Insurance crisis

    SciTech Connect

    Williams, P.L.

    1996-11-01

    The article discusses the effects of financing and technology advances on the availability of insurance for independent power producers operating gas turbines. Combined cycle units which require new materials and processes make it difficult to assess risk. Insurers are denying coverage, or raising prices and deductibles. Many lenders, however, are requiring insurance prior to financing. Some solutions proposed include information sharing by industry participants and insurers and increased risk acceptance by plant owners/operators.

  19. Patient Protection and Affordable Care Act; establishment of the Multi-State Plan Program for the Affordable Insurance Exchanges. Final rule.

    PubMed

    2014-02-24

    The U.S. Office of Personnel Management (OPM) is issuing a final rule implementing modifications to the Multi-State Plan (MSP) Program based on the experience of the Program to date. OPM established the MSP Program pursuant to the Affordable Care Act. This rule clarifies the approach used to enforce the applicable standards of the Affordable Care Act with respect to health insurance issuers that contract with OPM to offer MSP options; amends MSP standards related to coverage area, benefits, and certain contracting provisions under section 1334 of the Affordable Care Act; and makes non-substantive technical changes. PMID:25735057

  20. Agriculture Insurance: Adaptation to Vulnerability of Climate Change in Bali, Indonesia

    NASA Astrophysics Data System (ADS)

    Ambarawati, I. G. A. A.; Hongo, C.; Mirah Adi, A. A. A.; Tamura, E.

    2014-12-01

    Bali province of Indonesia is worldwide known for its tourist destination and it contributes more than 60 per cent to the regional domestic product. Meanwhile, agricultural sector including rice production still plays an important role in the Bali economy because of its 30 per cent contribution. Rice production in Bali is not just susceptible to loss caused by flood, drought and pest and disease attack but also from the climate change. The impact of climate change on food production in Indonesia is expected to decline in 2050, ranging from 38 per cent to more than ten-folds of the current production (Syaukat, 2011). Accordingly, adaptation to climate changes is required to minimize the risk along with the plans and strategies for food security and sustainable development. The government of Indonesia (GoI) has launched several pilot projects including agriculture insurance program to minimize the risk in production failure particularly rice farming, unfortunately Bali was excluded from the projects. Implementation of agriculture insurance in Indonesia has the legal basis now after the announcement of the Farmer Protection and Empowerment Act (Law No. 19/2013). Agriculture insurance is seen better in mitigating farmer's risk than that of the other program in rice production. The GoI plans to implement the insurance scheme in the beginning of 2015. This scheme is something "new" to farmers in Bali and Indonesia. Considering the importance of crop insurance to agriculture, this study attempts to explore the potential of such insurance to reveal a clear picture of opportunities and challenges in agriculture insurance implementation in Bali. The study empirically presents awareness and perception of farmers towards the insurance and adaptation to vulnerability of climate change. The study concludes with various suggestions for increasing the awareness of farmers for ensuring better penetration of agriculture insurance in Bali. Key words: agriculture insurance, farmer

  1. 77 FR 33498 - Joint Industry Plans; Order Approving, on a Pilot Basis, the National Market System Plan To...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-06

    ... Release No. 65410 (September 27, 2011), 76 FR 61121 (Oct. 3, 2011). \\9\\ Id. \\10\\ See Letter from Janet M... with Regulation NMS FAQ 3.23). \\54\\ Id. \\55\\ See MFA Letter at 6 (recommend that the Plan include a... thereunder,\\3\\ a proposed Plan to Address Extraordinary Market Volatility (as amended, the ``Plan'').\\4\\...

  2. Greenbelt Homes Pilot Program: Summary of Building Envelope Retrofits, Planned HVAC Equipment Upgrades, and Energy Savings

    SciTech Connect

    Wiehagen, J.; Del Bianco, M.; Mallay, D.

    2015-05-01

    In the fall of 2010, a multiyear pilot energy efficiency retrofit project was undertaken by Greenbelt Homes, Inc, (GHI) a 1,566 home cooperative of circa 1930 and 1940 homes in Greenbelt, Maryland. GHI established this pilot project to serve as a basis for decision making for the rollout of a decade-long community-wide upgrade program that will incorporate energy efficiency improvements to the building envelope and mechanical equipment. It presents a unique opportunity to evaluate and prioritize the wide-range of benefits of high-performance retrofits based on member experience with and acceptance of the retrofit measures implemented during the pilot project. Addressing the complex interactions between benefits, trade-offs, construction methods, project management implications, realistic upfront costs, financing, and other considerations, serves as a case study for energy retrofit projects to include high-performance technologies based on the long-term value to the homeowner. The pilot project focused on identifying the added costs and energy savings benefits of improvements.

  3. STRATEGIC PLAN FOR THE ANALYSIS OF THE NATIONAL HUMAN EXPOSURE ASSESSMENT SURVEY (NHEXAS) PILOT STUDY DATA

    EPA Science Inventory

    The Office of Research and Development (ORD) of the U.S. Environmental Protection Agency (EPA) initiated the National Human Exposure Assessment Survey (NHEXAS) in the early 1990's. It was a population-based pilot study of the exposure of over 500 people in three areas of the U.S....

  4. STRATEGIC PLAN FOR THE ANALYSIS OF THE NATIONAL HUMAN EXPOSURE ASSESSMENT SURVEY (NHEXAS) PILOT STUDY DATA

    EPA Science Inventory

    The Office of Research and Development (ORD) of the U.S. Environmental Protection Agency (EPA) initiated the National Human Exposure Assessment Survey (NHEXAS) in the early 1990's. It was a population-based pilot study of the exposure of over 500 people in three areas of the U....

  5. Training Research Program and Plans: Advanced Simulation in Undergraduate Pilot Training.

    ERIC Educational Resources Information Center

    Matheny, W. G.

    The study reports the work done by a panel of experts in training research toward defining priority research investigations to be undertaken through the Human Resources Laboratory, Flying Training Division (HRL/FT). A list of recommended investigations judged to be important for increasing the effectiveness of beginning pilot training was…

  6. Insurance against climate change and flood risk: Insurability and decision processes of insurers

    NASA Astrophysics Data System (ADS)

    Hung, Hung-Chih; Hung, Jia-Yi

    2016-04-01

    1. Background Major portions of the Asia-Pacific region is facing escalating exposure and vulnerability to climate change and flood-related extremes. This highlights an arduous challenge for public agencies to improve existing risk management strategies. Conventionally, governmental funding was majorly responsible and accountable for disaster loss compensation in the developing countries in Asia, such as Taiwan. This is often criticized as an ineffective and inefficient measure of dealing with flood risk. Flood insurance is one option within the toolkit of risk-sharing arrangement and adaptation strategy to flood risk. However, there are numerous potential barriers for insurance companies to cover flood damage, which would cause the flood risk is regarded as uninsurable. This study thus aims to examine attitudes within the insurers about the viability of flood insurance, the decision-making processes of pricing flood insurance and their determinants, as well as to examine potential solutions to encourage flood insurance. 2. Methods and data Using expected-utility theory, an insurance agent-based decision-making model was developed to examine the insurers' attitudes towards the insurability of flood risk, and to scrutinize the factors that influence their decisions on flood insurance premium-setting. This model particularly focuses on how insurers price insurance when they face either uncertainty or ambiguity about the probability and loss of a particular flood event occurring. This study considers the factors that are expected to affect insures' decisions on underwriting and pricing insurance are their risk perception, attitudes towards flood insurance, governmental measures (e.g., land-use planning, building codes, risk communication), expected probabilities and losses of devastating flooding events, as well as insurance companies' attributes. To elicit insurers' utilities about premium-setting for insurance coverage, the 'certainty equivalent,' 'probability

  7. Development and piloting of a plan for integrating mental health in primary care in Sehore district, Madhya Pradesh, India

    PubMed Central

    Shidhaye, Rahul; Shrivastava, Sanjay; Murhar, Vaibhav; Samudre, Sandesh; Ahuja, Shalini; Ramaswamy, Rohit; Patel, Vikram

    2016-01-01

    Background The large treatment gap for mental disorders in India underlines the need for integration of mental health in primary care. Aims To operationalise the delivery of the World Health Organization Mental Health Gap Action Plan interventions for priority mental disorders and to design an integrated mental healthcare plan (MHCP) comprising packages of care for primary healthcare in one district. Method Mixed methods were used including theory of change workshops, qualitative research to develop the MHCP and piloting of specific packages of care in a single facility. Results The MHCP comprises three enabling packages: programme management, capacity building and community mobilisation; and four service delivery packages: awareness for mental disorders, identification, treatment and recovery. Challenges were encountered in training primary care workers to improve identification and treatment. Conclusions There are a number of challenges to integrating mental health into primary care, which can be addressed through the injection of new resources and collaborative care models. PMID:26447172

  8. Your Insurance Dollar. Money Management.

    ERIC Educational Resources Information Center

    Baran, Nancy H., Ed.

    This booklet provides some practical guidelines for determining total insurance needs, examining options, and comparing costs. It discusses how to fit insurance costs into an overall financial plan, the necessity of adequate liability coverage, and the importance of keeping policies up to date. The next four sections highlight the basic types of…

  9. 78 FR 63143 - VA Dental Insurance Program-Federalism

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-23

    ... AFFAIRS 38 CFR Part 17 RIN 2900-AO86 VA Dental Insurance Program--Federalism AGENCY: Department of... its regulations related to the VA Dental Insurance Program (VADIP), a pilot program to offer premium-based dental insurance to enrolled veterans and certain survivors and dependents of...

  10. Changes in Consumer Cost-Sharing for Health Plans Sold in the ACA's Insurance Marketplaces, 2015 to 2016.

    PubMed

    Gabel, Jon; Green, Matthew; Call, Adrienne; Whitmore, Heidi; Stromberg, Sam; Oran, Rebecca

    2016-05-01

    This brief examines changes in consumer health plan cost-sharing--deductibles, copayments, coinsurance, and out-of-pocket limits--for coverage offered in the Affordable Care Act's marketplaces between 2015 and 2016. Three of seven measures studied rose moderately in 2016, an increase attributable in part to a shift in the mix of plans offered in the marketplaces, from plans with higher actuarial value (platinum and gold plans) to those that have less generous coverage (bronze and silver plans). Nearly 60 percent of enrollees in marketplace plans receive cost-sharing reductions as part of income-based assistance. For enrollees without cost-sharing reductions, average copayments, deductibles, and out-of-pocket limits remain considerably higher under bronze and silver plans than under employer-based plans; cost-sharing is similar in gold plans and employer plans. Marketplace plans are more likely than employer-based plans to impose a deductible for prescription drugs but no less likely to do so for primary care visits. PMID:27214926

  11. 28 CFR 36.212 - Insurance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 28 Judicial Administration 1 2011-07-01 2011-07-01 false Insurance. 36.212 Section 36.212 Judicial... COMMERCIAL FACILITIES General Requirements § 36.212 Insurance. (a) This part shall not be construed to... benefit plan that is not subject to State laws that regulate insurance. (b) Paragraphs (a) (1), (2),...

  12. 28 CFR 36.212 - Insurance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 28 Judicial Administration 1 2010-07-01 2010-07-01 false Insurance. 36.212 Section 36.212 Judicial... COMMERCIAL FACILITIES General Requirements § 36.212 Insurance. (a) This part shall not be construed to... benefit plan that is not subject to State laws that regulate insurance. (b) Paragraphs (a) (1), (2),...

  13. Insurance: Teacher's Guide. IIC.

    ERIC Educational Resources Information Center

    University of the South Pacific, Suva (Fiji).

    The document presents a guide for teaching insurance protection based on the needs of students in the South Pacific. It is presented as a unit of study within the area of consumer education. Suggestions for unit objectives, student activities, time allocation, teaching methods, and reference materials are offered. A lesson plan is outlined based…

  14. Multiple pollutant removal using the condensing heat exchanger: Preliminary test plan for Task 2, Pilot scale IFGT testing

    SciTech Connect

    Jankura, B.J.

    1995-11-01

    The purpose of Task 2 (IFGT Pilot-Scale Tests at the B&W Alliance Research Center) is to evaluate the emission reduction performance of the Integrated Flue Gas Treatment (IFGT) process for coal-fired applications. The IFGT system is a two-stage condensing heat exchanger that captures multiple pollutants -- while recovering waste heat. The IFGT technology offers the potential of addressing the emission of S0{sub 2} and particulate from electric utilities currently regulated under the Phase 1 and Phase 2 requirements defined in Title IV, and many of the air pollutants that will soon be regulated under Title III of the Clean Air Act. The performance data will be obtained at pilot-scale conditions similar to full-scale operating systems. The Task 2 IFGT tests have been designed to investigate several aspects of IFGT process conditions at a broader range of variables than would be feasible at a larger scale facility. The data from these tests greatly expands the IFGT performance database for coals and is needed for the technology to progress from the component engineering phase to system integration and commercialization. The performance parameters that will be investigated are as follows: SO{sub 2} removal; particulate removal; removal of mercury and other heavy metals; NO{sub x} removal; HF and HCl removal; NH{sub 3} removal; ammonia-sulfur compounds generation; and steam injection for particle removal. For all of the pollutant removal tests, removal efficiency will be based on measurements at the inlet and outlet of the IFGT facility. Heat recovery measurements will also be made during these tests to demonstrate the heat recovery provided by the IFGT technology. This report provides a preliminary test plan for all of the Task 2 pilot-scale IFGT tests.

  15. Why not private health insurance? 1. Insurance made easy.

    PubMed

    Deber, R; Gildiner, A; Baranek, P

    1999-09-01

    How realistic are proposals to expand the financing of Canadian health care through private insurance, either in a parallel stream or an expanded supplementary tier? Any successful business requires that revenues exceed expenditures. Under a voluntary health insurance plan those at highest risk would be the most likely to seek coverage; insurers working within a competitive market would have to limit their financial risk through such mechanisms as "risk selection" to avoid clients likely to incur high costs and/or imposing caps on the costs covered. It is unlikely that parallel private plans will have a market if a comprehensive public insurance system continues to exist and function well. Although supplementary plans are more congruous with insurance principles, they would raise costs for purchasers and would probably not provide full open-ended coverage to all potential clients. Insurance principles suggest that voluntary insurance plans that shift costs to the private sector would damage the publicly funded system and would be unable to cover costs for all services required. PMID:10497613

  16. Why not private health insurance? 1. Insurance made easy

    PubMed Central

    Deber, R; Gildiner, A; Baranek, P

    1999-01-01

    How realistic are proposals to expand the financing of Canadian health care through private insurance, either in a parallel stream or an expanded supplementary tier? Any successful business requires that revenues exceed expenditures. Under a voluntary health insurance plan those at highest risk would be the most likely to seek coverage; insurers working within a competitive market would have to limit their financial risk through such mechanisms as "risk selection" to avoid clients likely to incur high costs and/or imposing caps on the costs covered. It is unlikely that parallel private plans will have a market if a comprehensive public insurance system continues to exist and function well. Although supplementary plans are more congruous with insurance principles, they would raise costs for purchasers and would probably not provide full open-ended coverage to all potential clients. Insurance principles suggest that voluntary insurance plans that shift costs to the private sector would damage the publicly funded system and would be unable to cover costs for all services required. PMID:10497613

  17. Clinical Realization of Sector Beam Intensity Modulation for Gamma Knife Radiosurgery: A Pilot Treatment Planning Study

    SciTech Connect

    Ma, Lijun; Mason, Erica; Sneed, Penny K.; McDermott, Michael; Polishchuk, Alexei; Larson, David A.; Sahgal, Arjun

    2015-03-01

    Purpose: To demonstrate the clinical feasibility and potential benefits of sector beam intensity modulation (SBIM) specific to Gamma Knife stereotactic radiosurgery (GKSRS). Methods and Materials: SBIM is based on modulating the confocal beam intensities from individual sectors surrounding an isocenter in a nearly 2π geometry. This is in contrast to conventional GKSRS delivery, in which the beam intensities from each sector are restricted to be either 0% or 100% and must be identical for any given isocenter. We developed a SBIM solution based on available clinical planning tools, and we tested it on a cohort of 12 clinical cases as a proof of concept study. The SBIM treatment plans were compared with the original clinically delivered treatment plans to determine dosimetric differences. The goal was to investigate whether SBIM would improve the dose conformity for these treatment plans without prohibitively lengthening the treatment time. Results: A SBIM technique was developed. On average, SBIM improved the Paddick conformity index (PCI) versus the clinically delivered plans (clinical plan PCI = 0.68 ± 0.11 vs SBIM plan PCI = 0.74 ± 0.10, P=.002; 2-tailed paired t test). The SBIM plans also resulted in nearly identical target volume coverage (mean, 97 ± 2%), total beam-on times (clinical plan 58.4 ± 38.9 minutes vs SBIM 63.5 ± 44.7 minutes, P=.057), and gradient indices (clinical plan 3.03 ± 0.27 vs SBIM 3.06 ± 0.29, P=.44) versus the original clinical plans. Conclusion: The SBIM method is clinically feasible with potential dosimetric gains when compared with conventional GKSRS.

  18. Improved cost, health, and satisfaction with a health home benefit plan for self-insured employers and small physician practices.

    PubMed

    Reeves, Jerry; Kapp, Brian

    2013-01-01

    We compared the impacts on total costs, health, and satisfaction among 615 adults enrolled 2 years in an employer's health home benefit plan to their baseline year in a standard preferred provider organization plan. The new plan combined strong continuity care incentives with nurse coaching support. After 24 months, total medical costs were 23% lower than the baseline year, biometric measures improved for more than 85% of members, and patient satisfaction exceeded 85%. Emergency department visits decreased by 16% and hospital days decreased by 48%. Health home benefit plans engaging small primary care physician practices and members in coordinated continuity care can deliver high value. PMID:23448916

  19. Developing a monitoring and verification plan with reference to the Australian Otway CO2 pilot project

    SciTech Connect

    Dodds, K.; Daley, T.; Freifeld, B.; Urosevic, M.; Kepic, A.; Sharma, S.

    2009-05-01

    The Australian Cooperative Research Centre for Greenhouse Gas Technologies (CO2CRC) is currently injecting 100,000 tons of CO{sub 2} in a large-scale test of storage technology in a pilot project in southeastern Australia called the CO2CRC Otway Project. The Otway Basin, with its natural CO{sub 2} accumulations and many depleted gas fields, offers an appropriate site for such a pilot project. An 80% CO{sub 2} stream is produced from a well (Buttress) near the depleted gas reservoir (Naylor) used for storage (Figure 1). The goal of this project is to demonstrate that CO{sub 2} can be safely transported, stored underground, and its behavior tracked and monitored. The monitoring and verification framework has been developed to monitor for the presence and behavior of CO{sub 2} in the subsurface reservoir, near surface, and atmosphere. This monitoring framework addresses areas, identified by a rigorous risk assessment, to verify conformance to clearly identifiable performance criteria. These criteria have been agreed with the regulatory authorities to manage the project through all phases addressing responsibilities, liabilities, and to assure the public of safe storage.

  20. ENVIRONMENTAL TECHNOLOGY VERIFICATION PROGRAM: QUALITY AND MANAGEMENT PLAN FOR THE PILOT PERIOD (1995-2000)

    EPA Science Inventory

    Based upon the structure and specifications in ANSI/ASQC E4-1994, Specifications and Guidelines for Quality Systems for Environmental Data Collection and Environmental Technology Programs, the Environmental Technology Verification (ETV) program Quality and Management Plan (QMP) f...

  1. Conceptual Decontamination and Decommissioning Plan for the Waste Isolation Pilot Plant

    SciTech Connect

    Westinghouse Electric Corporation Waste Isolation Division, now Washington TRU Solutions LLC

    1995-01-30

    The Conceptual Decontamination and Decommissioning Plan (D&D) was developed as a concept for progressing from the final actions of the Disposal Phase, through the Decontamination and Decommissioning Phase, and into the initiation of the Long-Term Monitoring Phase. This plan was written in a manner that coincides with many of the requirements specified in DOE Order 5820.2A. Radioactive Waste Management; ASTM El 167 87, Standard Guide for Radiation Protection Program for Decommissioning Operations; and other documents listed in Attachment 3 of the D&D Plan. However, this conceptual plan does not meet all of the requirements necessary for a Decontamination and Decommissioning plan necessary for submission to the U.S. Congress in accordance with the Land Withdrawal Act (P.L. 102-579). A complete D&D plan that will meet the requirements of all of these documents and of the Land Withdrawal Act will be prepared and submitted to Congress by October 1997.

  2. Aerosol acidity characterization of large metropolitan areas: Pilot and planning for Philadelphia

    SciTech Connect

    Waldman, J.M.; Koutrakis, P.; Burton, R.; Wilson, W.E.; Purdue, L.J.

    1993-01-01

    The report described the EPA's multi-year program to investigate the specific issues surrounding human exposures to aerosol activity. Philadelphia, a large metropolitan area in the heart of the northeastern seaboard afflicted with photochemical regional smog during the summertime, was chosen as the first city in the program. A pilot study of ambient concentrations was conducted in July 1991. An annular denuder system (ADS) sampler was operated for two weeks near downtown Philadelphia, with a second unit operated in central, suburban New Jersey, the same location of measurements in past years. The Philadelphia site was found to have higher concentrations of most major aerosol species, ammonia and acidic particles than in New Jersey, showing that aerosol neutralization within the urban center will not necessarily totally eliminate acidic particle exposures.

  3. A pilot beta-thalassaemia screening program in the Albanian population for a health planning program.

    PubMed

    Baghernajad-Salehi, Leila; D'Apice, Maria Rosaria; Babameto-Laku, Anila; Biancolella, Michela; Mitre, Anila; Russo, Silvia; Di Daniele, Nicola; Sangiuolo, Federica; Mokini, Vahe; Novelli, Giuseppe

    2009-01-01

    In Albania, no definite national screening programme of beta-thalassaemia has yet been developed for carrier detection. Only limited information about the occurrence and the types of haemoglobin abnormalities is available. Thus, an educational and screening programme was carried out in one high school with a total of 217 young students from the coastal province of Lushnja in Albania. The pilot programme included a systematic sampling of whole saliva, DNA genomic extraction and the determination of defective beta-thalassaemia genes by reverse dot-blot hybridization with 22 probes specific for the Mediterranean populations.Of the 201 subjects tested, 17 (8.4%) students turned out to be carriers of beta-thalassaemia mutations and haemoglobin variants. The most common mutation is HbS (c.20A-->T) with a frequency of 3.2%, followed by IVS-I-110 (G-->A) (c.93-21G-->A) substitution identified in 4 out of 402 chromosomes (1%). In the province of Lushnja, the frequency of beta-thalassaemia carriers was high. As expected, the results show that identified mutations in this population are similar to those found in the east Mediterranean area, suggesting the same origin for mutant alleles during migratory streams. Implementation of a routine carrier-screening programme is significantly facilitated by the presence of only two mutations and would be a wise approach to prevent beta-thalassaemia in the region. PMID:19556751

  4. 76 FR 58379 - Resolution Plans Required for Insured Depository Institutions With $50 Billion or More in Total...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-21

    ..., 76 FR 22648 (April 22, 2011). The Final Rule regarding Resolution Plans under Section 165(d) of the..., and to be wound down or resolved in an orderly fashion. \\5\\ 75 FR 27464. The NPR solicited public... Friday), maximizes the net present value return from the sale or disposition of its assets and...

  5. 29 CFR 2550.401c-1 - Definition of “plan assets”-insurance company general accounts.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... SECURITY ADMINISTRATION, DEPARTMENT OF LABOR FIDUCIARY RESPONSIBILITY UNDER THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 RULES AND REGULATIONS FOR FIDUCIARY RESPONSIBILITY § 2550.401c-1 Definition of “plan... Subtitle A, and Parts 1 and 4 of Subtitle B, of Title I of the Employee Retirement Income Security Act...

  6. 12 CFR 360.10 - Resolution plans required for insured depository institutions with $50 billion or more in total...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... § 362.2(d) of the FDIC's Regulations, 12 CFR 362.2(d). (3) Core business lines means those business... Rules (12 CFR part 309). (3) Any CIDI submitting a resolution plan or related materials pursuant to this...) and the FDIC's Disclosure of Information Rules (12 CFR part 309) and related policies may file...

  7. Nutritional Education Through Internet-Delivered Menu Plans Among Adults With Type 2 Diabetes Mellitus: Pilot Study

    PubMed Central

    Bader, Abeer; Gougeon, Réjeanne; Joseph, Lawrence; Da Costa, Deborah

    2013-01-01

    Background A potential barrier to weight loss and vascular risk reduction is difficulty in operationalizing dietary education into a concrete plan. Although a variety of Internet-based software tools are now available to address this issue, there has been little formal evaluation of these tools. Objective The aim of this single-arm pilot study is to determine the effect of a 24-week Internet-based menu-planning program, by examining pre- to postintervention changes in the body weight, blood pressure, and glycemia, specifically among overweight adults with type 2 diabetes mellitus (DM2), a clinical population at high risk for vascular diseases. Methods A total of 33 adults with DM2 were recruited by collaborating registered dietitians to a 24-week Internet-based menu-planning program. Individualized dietary prescriptions were operationalized into weekly Internet-delivered menu plans through an adapted version of a commercially available service. Adherence was defined as logging into the program at least once per week for a minimum of 18 of the 24 weeks. Multiple imputations were used for missing data. Using baseline and postintervention assessments, we calculated the weight changes (mean, 95% CI) and investigated the corresponding effects (linear regression models) on blood pressure (systolic, diastolic) and hemoglobin A1C (ie, glycemia). Results The mean age was 58 (SD 7) years and the mean baseline body mass index was 34.4 (SD 4.6) kg/m2. The results of this study showed that ≥5% weight reduction was achieved by 6/33 participants (18%) and by 5/18 adherent participants (28%). A mean weight change of −2.0% (95% CI −2.6 to −1.4) was observed, with changes occurring in the adherent (−3.6%, 95% CI −4.5 to −2.8) but not in the nonadherent (0%, 95% CI −0.6 to 0.7). It was found that each 1% reduction in body weight was associated with a −2.4 mmHg change in systolic (95% CI −3.5 to −1.2) and a −0.8 mmHg change in diastolic blood pressure (95% CI

  8. 77 FR 25788 - Request for Information Regarding Stop Loss Insurance

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-01

    ... Loss Insurance AGENCIES: Internal Revenue Service, Department of the Treasury; Employee Benefits... information regarding the use of stop loss insurance by group health plans and their plan sponsors, with a focus on the prevalence and consequences of stop loss insurance at low attachment points. Given...

  9. Use of Performance Assessment in Support of Waste Isolation Pilot Plant (WIPP) Programmatic Activity Planning

    SciTech Connect

    BASABILVAZO,GEORGE; JOW,HONG-NIAN; LARSON,KURT W.; MARIETTA,MELVIN G.

    1999-09-22

    The Waste Isolation Pilot Plant (WIPP) is being developed by the U.S. Department of Energy (DOE) for the geologic (deep underground) disposal of transuranic (TRU) waste. A Compliance Certification Application (CCA) of the WIPP for such disposal was submitted to the U.S. Environmental Protection Agency (EPA) in October 1996, and was approved by EPA in May 1998. In June 1998, two separate, but related, lawsuits were filed, one against DOE and one against EPA. On March 22, 1999, the court ruled in favor of DOE, and on March 26, 1999, DOE formally began disposal operations at the WIPP for non-mixed (non-hazardous) TRU waste. Before the WIPP can begin receiving mixed (hazardous) TRU waste, a permit from the State of New Mexico for hazardous waste disposal needs to be issued. It is anticipated that the State of New Mexico will issue a hazardous waste permit by November 1999. It is further anticipated that the EPA lawsuit will be resolved by July 1999. Congress (Public Law 102-579, Section 8(f)) requires the WIPP project to be recertified by the EPA at least as frequently as once every five years from the first receipt of TRU waste at the WIPP site. As part of the DOE's WIPP project recertification strategy, Sandia National Laboratories (SNL) has used systems analysis and performance assessment to prioritize its scientific and engineering research activities. Two 1998 analyses, the near-field systems analysis and the annual sensitivity analysis, are discussed here. Independently, the two analyses arrived at similar conclusions regarding important scientific activities associated with the WIPP. The use of these techniques for the recent funding allocations at SNL's WIPP project had several beneficial effects. It increased the level of acceptance among project scientists that management had fairly and credibly compared alternatives when making prioritization decisions. It improved the ability of SNL and its project sponsor, the Carlsbad Area Office of the DOE, to

  10. Fully automatic guidance and control for rotorcraft nap-of-the-Earth flight following planned profiles. Volume 1: Real-time piloted simulation

    NASA Technical Reports Server (NTRS)

    Clement, Warren F.; Gorder, Peter J.; Jewell, Wayne F.

    1991-01-01

    Developing a single-pilot, all-weather nap-of-the-earth (NOE) capability requires fully automatic NOE (ANOE) navigation and flight control. Innovative guidance and control concepts are investigated in a four-fold research effort that: (1) organizes the on-board computer-based storage and real-time updating of NOE terrain profiles and obstacles in course-oriented coordinates indexed to the mission flight plan; (2) defines a class of automatic anticipative pursuit guidance algorithms and necessary data preview requirements to follow the vertical, lateral, and longitudinal guidance commands dictated by the updated flight profiles; (3) automates a decision-making process for unexpected obstacle avoidance; and (4) provides several rapid response maneuvers. Acquired knowledge from the sensed environment is correlated with the forehand knowledge of the recorded environment (terrain, cultural features, threats, and targets), which is then used to determine an appropriate evasive maneuver if a nonconformity of the sensed and recorded environments is observed. This four-fold research effort was evaluated in both fixed-based and moving-based real-time piloted simulations, thereby, providing a practical demonstration for evaluating pilot acceptance of the automated concepts, supervisory override, manual operation, and re-engagement of the automatic system. Volume one describes the major components of the guidance and control laws as well as the results of the piloted simulations. Volume two describes the complete mathematical model of the fully automatic guidance system for rotorcraft NOE flight following planned flight profiles.

  11. Type of Plan and Provider Network (Affordable Care Act)

    MedlinePlus

    ... health insurance plan Email Print Health insurance plan & network types: HMOs, PPOs, and more 3 things to ... deductible & out-of-pocket costs Health insurance plan & network types: HMOs, PPOs, and more START HERE See ...

  12. Development and pilot of an advance care planning website for women with ovarian cancer: A randomized controlled trial

    PubMed Central

    Vogel, Rachel Isaksson; Petzel, Sue V.; Cragg, Julie; McClellan, Molly; Chan, Daniel; Dickson, Elizabeth; Jacko, Julie A.; Sainfort, François; Geller, Melissa A.

    2015-01-01

    Objective Few available tools facilitate cancer patients and physicians' discussions of quality of life and end-of-life. Our objective was to develop a web-based tool to promote advance care planning for women with ovarian cancer. Methods Women with ovarian cancer, their families, clinicians and researchers met to identify ways to improve cancer care. A prototype website was created to address advance care planning, focusing on advance healthcare directives (AHD) and palliative care consultation. Patients were recruited from a gynecologic oncology clinic for a pilot randomized controlled trial. Primary outcomes included completion of an AHD and palliative care consultation. Results At study completion, 53 women with ovarian cancer were enrolled and 35 completed the study. The mean age at enrollment was 57.9 ± 9.5 years; most were newly diagnosed or at first recurrence. There were no statistical differences in completion of AHD (p = 0.220) or palliative care consultation (p = 0.440) between intervention and control groups. However, women in the intervention group showed evidence of moving toward decision making regarding AHD and palliative care and lower decisional conflict. Women assigned to the intervention, compared to control website, were highly satisfied with the amount (p = 0.054) and quality (p = 0.119) of information and when they accessed the website, used it longer (p = 0.049). Overall website use was lower than expected, resulting from several patient-related and design barriers. Conclusions A website providing information and decisional support for women with ovarian cancer is feasible. Increasing frequency of website use requires future research. PMID:23988413

  13. 48 CFR 212.7102 - Pilot program.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... OF DEFENSE ACQUISITION PLANNING ACQUISITION OF COMMERCIAL ITEMS Pilot Program for Acquisition of Military-Purpose Nondevelopmental Items 212.7102 Pilot program. ... 48 Federal Acquisition Regulations System 3 2011-10-01 2011-10-01 false Pilot program....

  14. Conceptual plan: Two-Phase Flow Laboratory Program for the Waste Isolation Pilot Plant

    SciTech Connect

    Howarth, S.M.

    1993-07-01

    The Salado Two-Phase Flow Laboratory Program was established to address concerns regarding two-phase flow properties and to provide WIPP-specific, geologically consistent experimental data to develop more appropriate correlations for Salado rock to replace those currently used in Performance Assessment models. Researchers in Sandia`s Fluid Flow and Transport Department originally identified and emphasized the need for laboratory measurements of Salado threshold pressure and relative permeability. The program expanded to include the measurement of capillary pressure, rock compressibility, porosity, and intrinsic permeability and the assessment of core damage. Sensitivity analyses identified the anhydrite interbed layers as the most likely path for the dissipation of waste-generated gas from waste-storage rooms because of their relatively high permeability. Due to this the program will initially focus on the anhydrite interbed material. The program may expand to include similar rock and flow measurements on other WIPP materials including impure halite, pure halite, and backfill and seal materials. This conceptual plan presents the scope, objectives, and historical documentation of the development of the Salado Two-Phase Flow Program through January 1993. Potential laboratory techniques for assessing core damage and measuring porosity, rock compressibility, capillary and threshold pressure, permeability as a function of stress, and relative permeability are discussed. Details of actual test designs, test procedures, and data analysis are not included in this report, but will be included in the Salado Two-Phase Flow Laboratory Program Test Plan pending the results of experimental and other scoping activities in FY93.

  15. NASA Explorer Institutes: Exploring the Possibilities for Collaboration with the Informal Education Community. Report of the NASA Explorer Institutes--Focus Groups and Pilot Workshops, September 2004-March 2005; Planning and Evaluation Meeting, March 14-17, 2005

    ERIC Educational Resources Information Center

    Gallaway, Debbie; Freeman, Jason; Walker, Gretchen; Davis, Hilarie

    2005-01-01

    This report contains summary information and conclusions from the pilot workshops, focus groups, and the NEI (NASA Explorer Institutes) Planning and Evaluation Conference which united representatives of the workshops, focus groups, and NASA education. The culmination of these NEI pilot initiatives resulted in the identification of strategies that…

  16. Patients’ handling of a standardized medication plan: a pilot study and method development

    PubMed Central

    Botermann, Lea; Krueger, Katrin; Eickhoff, Christiane; Kloft, Charlotte; Schulz, Martin

    2016-01-01

    Purpose The Action Plan for Medication Safety by the German Federal Ministry of Health introduced a standardized medication plan (MP), a printable document for the patient. The practical handling needs to be tested before the nationwide implementation in Germany. Therefore, the aims of our study were 1) to develop an instrument to evaluate the usage of the standardized MP, 2) to assess if patients can locate, and 3) understand important information. Moreover, we explored patients’ opinion and suggestions regarding the standardized MP template. Patients and methods We conducted a cross-sectional study to evaluate the practical handling of the standardized MP. We interviewed 40 adult patients in seven community pharmacies in Germany, who took at least five medicines regularly and gave their written informed consent. The interview consisted of questions regarding finding and understanding information provided on a mock-up MP, patients’ opinion and the execution of the information on the MP by filling pill boxes. We eventually developed a new evaluation method to quantify the practical handling of the MP by rating the pill boxes filled by the patients. Results Overall, the participants rated the MP positively. Thirty-nine (98%) participants found important information on a mock-up standardized MP. Patients were questioned to identify if they understood information on medical intake as it relates to meals. In particular, they were questioned about medicine intake “1 hour before a meal”, which 98% (n=39) interpreted correctly, and “during a meal”, which 100% (n=40) interpreted correctly. The less precise advice of “before a meal” was interpreted correctly by 73% (n=29), and only 15% (n=6) correctly interpreted the term “after the meal”. The evaluation of the filled pill boxes resulted in the “Evaluation Tool to test the handling of the Medication Plan” (ET-MP) – a weighted scoring system. Conclusion The standardized MP is clearly arranged, and

  17. Advanced Monitoring Is Associated with Fewer Alarm Events During Planned Moderate Procedure-Related Sedation: A 2-Part Pilot Trial

    PubMed Central

    Lenart, John; Malkin, Mathew; Meineke, Minhthy N.; Qoshlli, Silvana; Neumann, Monica; Jacobson, J. Paul; Kruger, Alison; Ching, Jeffrey; Hassanian, Mohammad; Um, Michael

    2016-01-01

    BACKGROUND: Diagnostic and interventional procedures are often facilitated by moderate procedure-related sedation. Many studies support the overall safety of this sedation; however, adverse cardiovascular and respiratory events are reported in up to 70% of these procedures, more frequently in very young, very old, or sicker patients. Monitoring with pulse oximetry may underreport hypoventilation during sedation, particularly if supplemental oxygen is provided. Capnometry may result in false alarms during sedation when patients mouth breathe or displace sampling devices. Advanced monitor use during sedation may allow event detection before complications develop. This 2-part pilot study used advanced monitors during planned moderate sedation to (1) determine incidences of desaturation, low respiratory rate, and deeper than intended sedation alarm events; and (2) determine whether advanced monitor use is associated with fewer alarm events. METHODS: Adult patients undergoing scheduled gastroenterology or interventional radiology procedures with planned moderate sedation given by dedicated sedation nurses under the direction of procedural physicians (procedural sedation team) were monitored per standard protocols (electrocardiography blood pressure, pulse oximetry, and capnometry) and advanced monitors (acoustic respiratory monitoring and processed electroencephalograpy). Data were collected to computers for analysis. Advanced monitor parameters were not visible to teams in part 1 (standard) but were visible to teams in part 2 (advanced). Alarm events were defined as desaturation—Spo2 ≤92%; respiratory depression, acoustic respiratory rate ≤8 breaths per minute, and deeper than intended sedation, indicated by processed electroencephalograpy. The number of alarm events was compared. RESULTS: Of 100 patients enrolled, 10 were excluded for data collection computer malfunction or consent withdrawal. Data were analyzed from 90 patients (44 standard and 46 advanced

  18. Deep Space Network-Wide Portal Development: Planning Service Pilot Project

    NASA Technical Reports Server (NTRS)

    Doneva, Silviya

    2011-01-01

    The Deep Space Network (DSN) is an international network of antennas that supports interplanetary spacecraft missions and radio and radar astronomy observations for the exploration of the solar system and the universe. DSN provides the vital two-way communications link that guides and controls planetary explorers, and brings back the images and new scientific information they collect. In an attempt to streamline operations and improve overall services provided by the Deep Space Network a DSN-wide portal is under development. The project is one step in a larger effort to centralize the data collected from current missions including user input parameters for spacecraft to be tracked. This information will be placed into a principal repository where all operations related to the DSN are stored. Furthermore, providing statistical characterization of data volumes will help identify technically feasible tracking opportunities and more precise mission planning by providing upfront scheduling proposals. Business intelligence tools are to be incorporated in the output to deliver data visualization.

  19. Revised Phase II Plan for the National Education Practice File Development Project Including: Creation; Pilot Testing; and Evaluation of a Test Practice File. Product 1.7/1.8 (Product 1.6 Appended).

    ERIC Educational Resources Information Center

    Benson, Gregory, Jr.; And Others

    A detailed work plan is presented for the conduct of Phase II activities, which are concerned with creating a pilot test file, conducting a test of it, evaluating the process and input of the file, and preparing the file management plan. Due to the outcomes of activities in Phase I, this plan was revised from an earlier outline. Included in the…

  20. The 2009 Health Confidence Survey: public opinion on health reform varies; strong support for insurance market reform and public plan option, mixed response to tax cap.

    PubMed

    Fronstin, Paul; Helman, Ruth

    2009-07-01

    PUBLIC SUPPORT FOR HEALTH REFORM: Findings from the 2009 Health Confidence Survey--the 12th annual HCS--indicate that Americans have already formed strong opinions regarding various aspects of health reform, even before details have been released regarding various key factors. These issues include health insurance market reform, the availability of a public plan option, mandates on employers and individuals, subsidized coverage for the low-income population, changes to the tax treatment of job-based health benefits, and regulatory oversight of health care. These opinions may change as details surface, especially as they concern financing options. In the absence of such details, the 2009 HCS finds generally strong support for the concepts of health reform options that are currently on the table. U.S. HEALTH SYSTEM GETS POOR MARKS, BUT SO DOES A MAJOR OVERHAUL: A majority rate the nation's health care system as fair (30 percent) or poor (29 percent). Only a small minority rate it excellent (6 percent) or very good (10 percent). While 14 percent of Americans think the health care system needs a major overhaul, 51 percent agree with the statement "there are some good things about our health care system, but major changes are needed." NATIONAL HEALTH PLAN ELEMENTS RATED HIGHLY: Between 68 percent and 88 percent of Americans either strongly or somewhat support health reform ideas such as national health plans, a public plan option, guaranteed issue, expansion of Medicare and Medicaid, and employer and individual mandates. MIXED REACTION TO HEALTH BENEFITS TAX CAP: Reaction to capping the current tax exclusion of employment-based health benefits is mixed. Nearly one-half of Americans (47 percent) would switch to a lower-cost plan if the tax exclusion were capped, 38 percent would stay on their current plan and pay the additional taxes, and 9 percent don't know. CONTINUED FAITH IN EMPLOYMENT-BASED BENEFITS, BUT DOUBTS ON AFFORDABILITY: Individuals with employment

  1. Anticipatory care planning and integration: a primary care pilot study aimed at reducing unplanned hospitalisation

    PubMed Central

    Baker, Adrian; Leak, Paul; Ritchie, Lewis D; Lee, Amanda J; Fielding, Shona

    2012-01-01

    Background Anticipatory care for older patients who are frail involves both case identification and proactive intervention to reduce hospitalisation. Aim To identify a population who were at risk of admission to hospital and to provide an anticipatory care plan (ACP) for them and to ascertain whether using primary and secondary care data to identify this population and then applying an ACP can help to reduce hospital admission rates. Design and setting Cohort study of a service intervention in a general practice and a primary care team in Scotland. Method The ACP sets out patients’ wishes in the event of a sudden deterioration in health. If admitted, a proactive approach was taken to transfer and discharge patients into the community. Cohorts were selected using the Nairn Case Finder, which matched patients in two practices for age, sex, multiple morbidity indexes, and secondary care outpatient and inpatient activity; 96 patients in each practice were studied for admission rate, occupied bed days and survival. Results Survivors from the ACP cohort (n = 80) had 510 fewer days in hospital than in the 12 months pre-intervention: a significant reduction of 52.0% (P = 0.020). There were 37 fewer admissions of the survivors from that cohort post-intervention than in the preceding 12 months, with a significant reduction of 42.5% (P = 0.002). Mortality rates in the two cohorts were similar, but the number of patients who died in hospital and the hospital bed days used in the last 3 months of life were significantly lower for the decedents with an ACP than for the controls who had died (P = 0.007 and P = 0.045 respectively). Conclusion This approach produced statistically significant reductions in unplanned hospitalisation for a cohort of patients with multiple morbidities. It demonstrates the potential for providing better care for patients as well as better value for health and social care services. It is of particular benefit in managing end-of-life care. PMID:22520788

  2. A Novel Website to Prepare Diverse Older Adults for Decision Making and Advance Care Planning: A Pilot Study

    PubMed Central

    Sudore, Rebecca L.; Knight, Sara J.; McMahan, Ryan D.; Feuz, Mariko; Farrell, David; Miao, Yinghui; Barnes, Deborah E.

    2014-01-01

    Context We have reconceptualized advance care planning (ACP) as a multi-step process focused on preparing patients with skills needed for communication and in-the-moment decision making. Objectives To operationalize this paradigm, we created an easy-to-use ACP website (prepareforyourcare.org) based on a theoretical framework of behavior change and pilot-tested its efficacy to engage older adults in ACP. Methods At baseline and one week after viewing the PREPARE website, we assessed behavior change in ACP using a validated survey that includes Process Measures (knowledge, contemplation, self-efficacy, and readiness, 5-point Likert scales) and Action Measures (yes/no whether an ACP behavior was completed). We also assigned participants into behavior change stages (i.e., precontemplation, contemplation, preparation, action, maintenance) and determined the percentage of participants who moved from precontemplation at baseline to higher stages at one week. We also assessed PREPARE ease-of-use (10-point scale, 10 being the easiest). Changes were assessed with paired t-tests and McNemar’s tests. Results Participants’ mean age was 68.4 years (SD 6.6) and 65% were non-white. Process Measures average Likert scores increased from 3.1 (0.9) to 3.7 (0.7), P <0.001. Action Measures did not change significantly. However, precontemplation significantly decreased for most actions, (e.g., talking to doctor about desired medical care, 61% to 35%, P<0.003), with a mean decrease of 21% (range, 16%-33%). PREPARE was rated a 9 out of 10 (±1.9) for ease-of-use. Conclusion A new, patient-centered ACP website that focuses on preparing patients for communication and decision making significantly improves engagement in the process of ACP and behavior change. A clinical trial of PREPARE is currently underway. PMID:23972574

  3. Test plan for the pilot cell test of inert anodes: Report on the June 1991 meeting at the Reynolds Metals Company facility

    NASA Astrophysics Data System (ADS)

    Windisch, C. F., Jr.; Alcorn, T. R.; Tabereaux, A. T.

    1991-09-01

    The Inert Electrodes Program at the Pacific Northwest Laboratory (PNL) is supported by the Office of Industrial Processes (OIP) of the U.S. Department of Energy (DOE) and is aimed at improving the energy efficiency of Hall-Heroult cells through the development of inert anodes. The inert anodes currently under study are composed of a cermet material of the general composition NiO-NiFe2O4-Cu. The program has three primary objectives: (1) evaluate the anode material in a pilot cell facility, (2) investigate the mechanisms of the electrochemical reactions at the anodes surface, and (3) develop sensors for monitoring various anode and/or electrolyte conditions. This report discusses a test plan that has been developed for the pilot cell test of the inert anodes.

  4. Test plan for the pilot cell test of inert anodes: Report on the June 1991 meeting at the Reynolds Metals Company facility

    SciTech Connect

    Windisch, C.F. Jr. ); Alcorn, T.R.; Tabereaux, A.T. . Mfg. Technology Lab.)

    1991-09-01

    The Inert Electrodes Program at the Pacific Northwest Laboratory (PNL) is supported by the Office of Industrial Processes (OIP) of the US Department of Energy (DOE) and is aimed at improving the energy efficiency of Hall-Heroult cells through the development of inert anodes. The inert anodes currently under study are composed of a cermet material of the general composition NiO-NiFe{sub 2}O{sub 4}-Cu. The program has three primary objectives: (1) evaluate the anode material in a pilot cell facility, (2) investigate the mechanisms of the electrochemical reactions at the anodes surface, and (3) develop sensors for monitoring various anode and/or electrolyte conditions. This report discusses a test plan that has been developed for the pilot cell test of the inert anodes. 6 refs., 7 figs., 4 tabs.

  5. Designing health insurance exchanges: key decisions.

    PubMed

    Starc, Amanda; Kolstad, Jonathan T

    2012-02-01

    A cornerstone of health care reform is the establishment of state-level insurance exchanges where individuals and small businesses can purchase health insurance in an online marketplace. States are required to develop an exchange by 2014, or participate in a federal one. The exchanges will help people without employer-sponsored insurance find and choose a health plan to meet their needs. This Issue Brief reviews the experience of Massachusetts in developing a health insurance exchange and offers policymakers guidance on key features and likely consumer responses. PMID:22451998

  6. 45 CFR 152.28 - Preventing insurer dumping.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Preventing insurer dumping. 152.28 Section 152.28...-EXISTING CONDITION INSURANCE PLAN PROGRAM Oversight § 152.28 Preventing insurer dumping. (a) General rule... for a determination of dumping. A PCIP shall establish procedures to identify and report to...

  7. Self-Insurance (Waukegan Style).

    ERIC Educational Resources Information Center

    Falkinham, Ken

    The health and dental self-insurance program instituted in the Waukegan (Illinois) Public Schools can credit three major factors for much of its success. First, claims are processed in-house by the district, resulting in improved communications about claim decisions, faster payments, and higher employee satisfaction. Second, the plan is…

  8. Smart Choice Health Insurance©: A New, Interdisciplinary Program to Enhance Health Insurance Literacy.

    PubMed

    Brown, Virginia; Russell, Mia; Ginter, Amanda; Braun, Bonnie; Little, Lynn; Pippidis, Maria; McCoy, Teresa

    2016-03-01

    Smart Choice Health Insurance© is a consumer education program based on the definition and emerging measurement of health insurance literacy and a review of literature and appropriate theoretical frameworks. An interdisciplinary team of financial and health educators was formed to develop and pilot the program, with the goal of reducing confusion and increasing confidence in the consumer's ability to make a smart health insurance decision. Educators in seven states, certified to teach the program, conducted workshops for 994 consumers. Results show statistically significant evidence of increased health insurance literacy, confidence, and capacity to make a smart choice health insurance choice. Discussion centers on the impact the program had on specific groups, next steps to reach a larger audience, and implications for educators, consumers, and policymakers nationwide. PMID:26721502

  9. A Guide to the Planning and Operation of a Child Development Center for Migrant Children and a Report of the Hoopeston Child Development Center; A Pilot Demonstration Project of the Illinois Migrant Council and the University of Illinois.

    ERIC Educational Resources Information Center

    York, Mary Elizabeth

    This report describes in detail the planning and operation of an 8-week pilot day care program for migrant children in Hoopeston, Illinois. Planning began a year in advance and involved arrangements for funding, staff, and physical facilities, as well as the important human relations task of establishing honest communication between…

  10. Unemployment Insurance Management.

    ERIC Educational Resources Information Center

    Pope, Daniel C.

    1979-01-01

    An insurance management system has the goal of minimizing unemployment insurance costs. Components of a model system should include general administration, claims management, and appeals process. (Author)

  11. Equity in health care access to: assessing the urban health insurance reform in China.

    PubMed

    Liu, Gordon G; Zhao, Zhongyun; Cai, Renhua; Yamada, Tetsuji; Yamada, Tadashi

    2002-11-01

    This study evaluates changes in access to health care in response to the pilot experiment of urban health insurance reform in China. The pilot reform began in Zhenjiang and Jiujiang cities in 1994, followed by an expansion to 57 other cities in 1996, and finally to a nationwide campaign in the end of 1998. Specifically, this study examines the pre- and post-reform changes in the likelihood of obtaining various health care services across sub-population groups with different socioeconomic status and health conditions, in an attempt to shed light on the impact of reform on both vertical and horizontal equity measures in health care utilization. Empirical estimates were obtained in an econometric model using data from the annual surveys conducted in Zhenjiang City from 1994 through 1996. The main findings are as follows. Before the insurance reform, the likelihood of obtaining basic care at outpatient setting was much higher for those with higher income, education, and job status at work, indicating a significant measure of horizontal inequity against the lower socioeconomic groups. On the other hand, there was no evidence suggesting vertical inequity against people of chronic disease conditions in access to care at various settings. After the reform, the new insurance plan led to a significant increase in outpatient care utilization by the lower socioeconomic groups, making a great contribution to achieving horizontal equity in access to basic care. The new plan also has maintained the measure of vertical equity in the use of all types of care. Despite reform, people with poor socioeconomic status continue to be disadvantaged in accessing expensive and advanced diagnostic technologies. In conclusion, the reform model has demonstrated promising advantages over pre-reform insurance programs in many aspects, especially in the improvement of equity in access to basic care provided at outpatient settings. It also appears to be more efficient overall in allocating health

  12. The improbable future of employment-based insurance.

    PubMed

    Banja, J D

    2000-01-01

    Voluntary, employment-based insurance is afflicted by a variety of internal imbalances: inequities in the way health insurance is paid for, a conflict of interest in the selection of health insurance, the concentration of the healthy and the sick into separate plans, and free-ridership. But while all these imbalances generate severe problems, those seeking to reform health insurance in the United States should concentrate on the last two. PMID:10862366

  13. Health insurance: widespread copayment abuse.

    PubMed

    James, J S

    1995-09-01

    Major health insurance companies using typical 80/20 plans are negotiating huge discounts with doctors. This results in the companies paying much less than the eighty percent amount, and sometimes nothing at all. However, these companies use the eighty percent amounts to measure whether a person has reached their insurance limits. All of these machinations are done in secret without patient knowledge. Other companies are using similar practices across the nation. Activists should try to document these abuses by using friendly physicians and hospitals and/or urging the medical societies to develop ethical codes governing such practices. PMID:11362763

  14. Insuring RLV transportation services

    NASA Astrophysics Data System (ADS)

    Greenberg, Joel S.

    1998-01-01

    Future deliveries of payloads to orbit are likely to utilize space transportation services that employ a fleet of reusable launch vehicles. To achieve this capability will require the investment of billions of dollars. Such sizable investments will require the formulation of detailed business plans that demonstrate the financial viability of the proposed business and that the business can function within an acceptable level of risk. Besides coping with the normal business risks associated with achievable level of technical performance, demand for launch services, competition, etc., the business must also cope with the risks associated with transportation system failures and delays. This requires the development of a viable risk management plan. This paper is concerned with describing a risk management scenario that can demonstrate and provide an assurance, at the time that investment decisions must be made, that the necessary insurance cover at affordable prices will be available.

  15. Commercial Insurance vs Community-Based Health Plans: Time for a Policy Option With Clinical Emphasis to Address the Cost Spiral

    ERIC Educational Resources Information Center

    Amundson, Bruce

    2005-01-01

    The nation continues its ceaseless struggle with the spiraling cost of health care. Previous efforts (regulation, competition, voluntary action) have included almost every strategy except clinical. Insurers have largely failed in their cost-containment efforts. There is a strong emerging body of literature that demonstrates the relationship…

  16. 33 CFR 385.12 - Pilot projects.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 33 Navigation and Navigable Waters 3 2010-07-01 2010-07-01 false Pilot projects. 385.12 Section... Processes § 385.12 Pilot projects. (a) The Plan includes pilot projects to address uncertainties associated... management, and wastewater reuse. The purpose of the pilot projects is to develop information necessary...

  17. 33 CFR 385.12 - Pilot projects.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 33 Navigation and Navigable Waters 3 2011-07-01 2011-07-01 false Pilot projects. 385.12 Section... Processes § 385.12 Pilot projects. (a) The Plan includes pilot projects to address uncertainties associated... management, and wastewater reuse. The purpose of the pilot projects is to develop information necessary...

  18. 33 CFR 385.12 - Pilot projects.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 33 Navigation and Navigable Waters 3 2012-07-01 2012-07-01 false Pilot projects. 385.12 Section... Processes § 385.12 Pilot projects. (a) The Plan includes pilot projects to address uncertainties associated... management, and wastewater reuse. The purpose of the pilot projects is to develop information necessary...

  19. 33 CFR 385.12 - Pilot projects.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 33 Navigation and Navigable Waters 3 2014-07-01 2014-07-01 false Pilot projects. 385.12 Section... Processes § 385.12 Pilot projects. (a) The Plan includes pilot projects to address uncertainties associated... management, and wastewater reuse. The purpose of the pilot projects is to develop information necessary...

  20. Insurance incentives for ambulatory surgery.

    PubMed Central

    Pauly, M V; Erder, M H

    1993-01-01

    This study is an attempt to address both the extent to which surgical procedures on an outpatient basis substitute cost-effectively for inpatient procedures, and whether or not an insurance policy's financial incentives increase the volume of outpatient surgical procedures. In particular, given an insurance product of a given composition: What is the probability that the insured will have surgery? and if a surgery does take place, what is the probability that it will occur in an outpatient setting? Finally, the article assesses the implication of such products on the total cost of care by quantifying the insurance plans along two parameters, the relative user price for outpatient versus inpatient surgery and the absolute price for the inpatient surgery. The results indicate that insurance policies that offer relatively lower out-of-pocket payments for ambulatory surgery do not increase the probability that surgery will be done in the ambulatory setting. However, higher out-of-pocket payments for surgery, regardless of site, do reduce the surgery rate. There are other patient and market characteristics, especially the availability of freestanding surgery firms, that do influence the location of surgery. PMID:8428814

  1. Designing a multifaceted survivorship care plan to meet the information and communication needs of breast cancer patients and their family physicians: results of a qualitative pilot study

    PubMed Central

    2013-01-01

    Background Following the completion of treatment and as they enter the follow-up phase, breast cancer patients (BCPs) often recount feeling ‘lost in transition’, and are left with many questions concerning how their ongoing care and monitoring for recurrence will be managed. Family physicians (FPs) also frequently report feeling ill-equipped to provide follow-up care to BCPs. In this three-phase qualitative pilot study we designed, implemented and evaluated a multi-faceted survivorship care plan (SCP) to address the information needs of BCPs at our facility and of their FPs. Methods In Phase 1 focus groups and individual interviews were conducted with 35 participants from three stakeholder groups (BCPs, FPs and oncology specialist health care providers (OHCPs)), to identify specific information needs. An SCP was then designed based on these findings, consisting of both web-based and paper-based tools (Phase 2). For Phase 3, both sets of tools were subsequently evaluated via focus groups and interviews with 26 participants. Interviews and focus groups were audio taped, transcribed and content analysed for emergent themes and patterns. Results In Phase 1 patients commented that web-based, paper-based and human resources components were desirable in any SCP. Patients did not focus exclusively on the post-treatment period, but instead spoke of evolving needs throughout their cancer journey. FPs indicated that any tools to support them must distill important information in a user-friendly format. In Phase 2, a pilot SCP was subsequently designed, consisting of both web-based and paper-based materials tailored specifically to the needs of BCPs as well as FPs. During Phase 3 (evaluation) BCPs indicated that the SCP was effective at addressing many of their needs, and offered suggestions for future improvements. Both patients and FPs found the pilot SCP to be an improvement from the previous standard of care. Patients perceived the quality of the BCP-FP relationship as

  2. Medicaid and Children's Health Insurance Programs: essential health benefits in alternative benefit plans, eligibility notices, fair hearing and appeal processes, and premiums and cost sharing; exchanges: eligibility and enrollment. Final rule.

    PubMed

    2013-07-15

    This final rule implements provisions of the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 (collectively referred to as the Affordable Care Act. This final rule finalizes new Medicaid eligibility provisions; finalizes changes related to electronic Medicaid and the Children's Health Insurance Program (CHIP) eligibility notices and delegation of appeals; modernizes and streamlines existing Medicaid eligibility rules; revises CHIP rules relating to the substitution of coverage to improve the coordination of CHIP coverage with other coverage; and amends requirements for benchmark and benchmark-equivalent benefit packages consistent with sections 1937 of the Social Security Act (which we refer to as ``alternative benefit plans'') to ensure that these benefit packages include essential health benefits and meet certain other minimum standards. This rule also implements specific provisions including those related to authorized representatives, notices, and verification of eligibility for qualifying coverage in an eligible employer-sponsored plan for Affordable Insurance Exchanges. This rule also updates and simplifies the complex Medicaid premium and cost sharing requirements, to promote the most effective use of services, and to assist states in identifying cost sharing flexibilities. It includes transition policies for 2014 as applicable. PMID:23855057

  3. 78 FR 54996 - Information Reporting by Applicable Large Employers on Health Insurance Coverage Offered Under...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-09

    ... on Health Insurance Coverage Offered Under Employer-Sponsored Plans AGENCY: Internal Revenue Service... credit to help individuals and families afford health insurance coverage purchased through an Affordable... health insurance coverage offered by an employer to the employee that is (1) a governmental plan,...

  4. Promoting Value for Consumers: Comparing Individual Health Insurance Markets Inside and Outside the ACA's Exchanges.

    PubMed

    McCue, Michael J; Hall, Mark A

    2016-06-01

    The new health insurance exchanges are the core of the Affordable Care Act's (ACA) insurance reforms, but insurance markets beyond the exchanges also are affected by the reforms. This issue brief compares the markets for individual coverage on and off of the exchanges, using insurers' most recent projections for ACA-compliant policies. In 2016, insurers expect that less than one-fifth of ACA-compliant coverage will be sold outside of the exchanges. Insurers that sell mostly through exchanges devote a greater portion of their premium dollars to medical care than do insurers selling only off of the exchanges, because exchange insurers project lower administrative costs and lower profit margins. Premium increases on exchange plans are less than those for off-exchange plans, in large part because exchange enrollment is projected to shift to closed-network plans. Finally, initial concerns that insurers might seek to segregate higher-risk subscribers on the exchanges have not been realized. PMID:27290751

  5. 10-MWe solar-thermal central-receiver pilot plant, solar-facilities design integration: system integration laboratory test plan (RADL item 6-4)

    SciTech Connect

    Not Available

    1980-10-01

    A general demonstration test plan is provided for the activities to be accomplished at the Systems Integration Laboratory. The Master Control System, Subsystem Distributed Process Control, Representative Signal Conditioning Units, and Redline Units from the Receiver Subsystem and the Thermal Storage Subsystem and other external interface operational functions will be integrated and functionally demonstrated. The Beckman Multivariable Control Unit will be tested for frequency response, static checks, configuration changes, switching transients, and input-output interfaces. Maximum System Integration Laboratory testing will demonstrate the operational readiness of Pilot Plant controls and external interfaces that are available. Minimum System Integration Laboratory testing will be accomplished with reduced set of hardware, which will provide capability for continued development and demonstration of Operational Control System plant control application software. Beam Control System Integration Laboratory testing will demonstrate the operational readiness of the Beam Control System equipment and software. (LEW)

  6. Medicare proposal may benefit insurers.

    PubMed

    Fine, Allan

    2004-01-01

    The proposed guidelines from U.S. Pharmacopeial Convention Inc., which was assigned the task by last year's Medicare law, seek a middle ground between pharmaceutical companies and insurers. The USP proposal is expected to result in a final plan after the organization takes comments. It is also supposed to define a list of classes of drugs--more formally divided into therapeutic areas and pharmacologic subcategories. PMID:15685817

  7. Improving Adjuvant Hormone Therapy Use in Medicaid Managed Care–Insured Women, New York State, 2012–2014

    PubMed Central

    Jing, Wei; Boscoe, Francis P.; Schymura, Maria J.; Roohan, Patrick J.; Gesten, Foster C.

    2016-01-01

    Introduction In 2010, national guidelines recommended that women with nonmetastatic, hormone receptor–positive breast cancer take adjuvant hormone therapy for 5 years. As results from randomized clinical trials became available, guidelines were revised in 2014 to recommend 10 years of therapy. Despite evidence of its efficacy, low initiation rates have been documented among women insured by New York State Medicaid. This article describes a coordinated quality improvement pilot conducted by a state department of health and Medicaid managed care plans to engage women in guideline-concordant adjuvant hormone therapy. Methods Women enrolled in Medicaid managed care with nonmetastatic, hormone receptor–positive breast cancer and who had surgery from May 1, 2012, through November 30, 2012, were identified using linked Medicaid and Cancer Registry data. Adjuvant hormone therapy status was determined from Medicaid pharmacy data. Contact information for nonadherent women was supplied to health plan care managers who conducted outreach activities. Adjuvant hormone therapy status in the 6 months following outreach was evaluated. Results In the 6 months postoutreach, 61% of women in the contacted group filled at least 1 prescription, compared with 52% in the noncontacted group. Among those with at least 1 filled prescription, 50% of the contacted group were adherent, compared with 25% in the noncontacted group. Conclusion This pilot suggests outreach conducted by health plan care managers, facilitated by linked Medicaid and Cancer Registry data, is an effective method to improve adjuvant hormone therapy initiation and adherence rates in Medicaid managed care–insured women. PMID:27584876

  8. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured advances. (a) Initial premium. For projects involving insured advances, on the date of the initial...

  9. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured advances. (a) Initial premium. For projects involving insured advances, on the date of the initial...

  10. 20 CFR 323.5 - Submitting proposed plan for Board approval.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.5 Submitting... existing plan, to the Director of Unemployment and Sickness Insurance, Railroad Retirement Board, 844...

  11. 20 CFR 323.5 - Submitting proposed plan for Board approval.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.5 Submitting... existing plan, to the Director of Unemployment and Sickness Insurance, Railroad Retirement Board, 844...

  12. 20 CFR 323.5 - Submitting proposed plan for Board approval.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.5 Submitting... existing plan, to the Director of Unemployment and Sickness Insurance, Railroad Retirement Board, 844...

  13. 20 CFR 323.5 - Submitting proposed plan for Board approval.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.5 Submitting... existing plan, to the Director of Unemployment and Sickness Insurance, Railroad Retirement Board, 844...

  14. 20 CFR 323.5 - Submitting proposed plan for Board approval.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.5 Submitting... existing plan, to the Director of Unemployment and Sickness Insurance, Railroad Retirement Board, 844...

  15. Types of Managed Care Plans

    MedlinePlus

    ... AAP Find a Pediatrician Family Life Medical Home Health Insurance Pediatric Specialists Family Dynamics Media Work & Play Getting ... Your Community Healthy Children > Family Life > Medical Home > Health Insurance > Types of Managed Care Plans Family Life Listen ...

  16. One fish, two fish, red fish, blue fish: effects of price frames, brand names, and choice set size on Medicare Part D insurance plan decisions.

    PubMed

    Barnes, Andrew J; Hanoch, Yaniv; Wood, Stacey; Liu, Pi-Ju; Rice, Thomas

    2012-08-01

    Because many seniors choose Medicare Part D plans offering poorer coverage at greater cost, the authors examined the effect of price frames, brand names, and choice set size on participants' ability to choose the lowest cost plan. A 2×2×2 within-subjects design was used with 126 participants aged 18 to 91 years old. Mouselab, a web-based program, allowed participants to choose drug plans across eight trials that varied using numeric or symbolic prices, real or fictitious drug plan names, and three or nine drug plan options. Results from the multilevel models suggest numeric versus symbolic prices decreased the likelihood of choosing the lowest cost plan (-8.0 percentage points, 95% confidence interval=-14.7 to -0.9). The likelihood of choosing the lowest cost plan decreased as the amount of information increased suggesting that decision cues operated independently and collectively when selecting a drug plan. Redesigning the current Medicare Part D plan decision environment could improve seniors' drug plan choices. PMID:22311955

  17. Healthcare transition managers make market exits easier for insurers.

    PubMed

    Resnick, L R

    1999-10-01

    Insurers have been struggling to meet and maintain their profit margins on the health insurance business they underwrite. As a result, many have exited or are contemplating exiting from the health insurance market. At the same time, managed care organizations are seeking ways to augment their enrollment base and satisfy investor expectations. Insurers that wish to transfer their health insurance business to other carriers and managed care organizations that are interested in accepting this business have turned to a new type of healthcare financing company--the healthcare transition manager--to facilitate the transaction. Part broker, part matchmaker, and part administrative coordinator, these companies make it possible for commercial insurers to exit the health insurance market without undue hardship to enrollees or the managed care plans that assume risk for their care. PMID:11066665

  18. Application of Rapid Prototyping Pelvic Model for Patients with DDH to Facilitate Arthroplasty Planning: A Pilot Study.

    PubMed

    Xu, Jie; Li, Deng; Ma, Ruo-fan; Barden, Bertram; Ding, Yue

    2015-11-01

    Total hip arthroplasty (THA) is challenging in cases of osteoarthritis secondary to developmental dysplasia of the hip (DDH). Acetabular deficiency makes the positioning of the acetabular component difficult. Computer tomography based, patient-individual three dimensional (3-D) rapid prototype technology (RPT)-models were used to plan the placement of acetabular cup so that a surgeon was able to identify pelvic structures, assess the ideal extent of reaming and determine the size of cup after a reconstructive procedure. Intraclass correlation coefficients (ICCs) were used to analyze the agreement between the sizes of chosen components on the basis of preoperative planning and the actual sizes used in the operation. The use of the 3-D RPT-model facilitates the surgical procedures due to better planning and improved orientation. PMID:26129852

  19. Integrating respiratory-gated PET-based target volume delineation in liver SBRT planning, a pilot study

    PubMed Central

    2014-01-01

    Background To assess the feasibility and benefit of integrating four-dimensional (4D) Positron Emission Tomography (PET) – computed tomography (CT) for liver stereotactic body radiation therapy (SBRT) planning. Methods 8 patients with 14 metastases were accrued in the study. They all underwent a non-gated PET and a 4D PET centered on the liver. The same CT scan was used for attenuation correction, registration, and considered the planning CT for SBRT planning. Six PET phases were reconstructed for each 4D PET. By applying an individualized threshold to the 4D PET, a Biological Internal Target Volume (BITV) was generated for each lesion. A gated Planning Target Volume (PTVg) was created by adding 3 mm to account for set-up margins. This volume was compared to a manual Planning Target Volume (PTV) delineated with the help of a semi-automatic Biological Target Volume (BTV) obtained from the non-gated exam. A 5 mm radial and a 10 mm craniocaudal margins were applied to account for tumor motion and set-up margins to create the PTV. Results One undiagnosed liver metastasis was discovered thanks to the 4D PET. The semi-automatic BTV were significantly smaller than the BITV (p = 0.0031). However, after applying adapted margins, 4D PET allowed a statistically significant decrease in the PTVg as compared to the PTV (p = 0.0052). Conclusions In comparison to non-gated PET, 4D PET may better define the respiratory movements of liver targets and improve SBRT planning for liver metastases. Furthermore, non respiratory-gated PET exams can both misdiagnose liver metastases and underestimate the real internal target volumes. PMID:24885897

  20. Finance, providers issue brief: insurer liability.

    PubMed

    Rothouse, M; Stauffer, M

    2000-05-24

    When a health plan denies payment for a procedure on grounds that it is not medically necessary or when it refuses a physician-ordered referral to a specialist, has it crossed the line from making an insurance judgment to practicing medicine? If the patient suffers harm as a result of the decision, is the plan liable for medical malpractice? Those were questions 35 states considered in 1999, and at least 32 states are grappling with this year as they seek to respond to physician and patient pressure to curb the power of the managed care industry. Traditionally, health insurers have been protected by state laws banning "the corporate practice of medicine," which means the patient's only recourse is to sue under a "vicarious liability" theory. Now, however, lawmakers are debating legislation to extend the scope of malpractice liability beyond individual practitioners to insurance carriers and plans themselves. PMID:11073416

  1. Finance, providers issue brief: insurer liability.

    PubMed

    Rothouse, M

    1999-07-01

    When a health plan denies payment for a procedure on grounds that it is not medically necessary or when it refuses a physician-ordered referral to a specialist, has it crossed the line from making an insurance judgment to practicing medicine? If the patient suffers harm as a result of the decision, is the plan liable for medical malpractice? Those are questions 29 states considered in 1998, and at least 35 states are grappling with this year as they seek to respond to physician and patient pressure to curb the power of the managed care industry. Traditionally, health insurers have been protected by state laws banning "the corporate practice of medicine," which means the patient's only recourse is to sue under a "vicarious liability" theory. Now, however, lawmakers are debating legislation to extend the scope of malpractice liability beyond individual practitioners to insurance carriers and plans themselves. PMID:11073388

  2. Pilot workshops at the Palau Center for Emergency Health: a model for international collaborative operations training and planning.

    PubMed

    Cleveland, Karen; Keim, Mark; Rich, William; Rhyne, Gary

    2002-03-01

    The Emergency Public Health Planning Workshop demonstrated that national with different backgrounds, capabilities, knowledge bases, and concepts of operations can work together to develop complementary emergency public health plans. Results of the First Responder Emergency Medical Workshop demonstrated that, despite having similarly inconsistent backgrounds, emergency responders can develop complementary response protocols. Lectures presented in both workshops are now available in the public domain. They can be used to improve regional public health emergency capabilities whether the region considered is local, state, or international. PMID:12737410

  3. Joint Applications Pilot of the National Climate Predictions and Projections Platform and the North Central Climate Science Center: Delivering climate projections on regional scales to support adaptation planning

    NASA Astrophysics Data System (ADS)

    Ray, A. J.; Ojima, D. S.; Morisette, J. T.

    2012-12-01

    The DOI North Central Climate Science Center (NC CSC) and the NOAA/NCAR National Climate Predictions and Projections (NCPP) Platform and have initiated a joint pilot study to collaboratively explore the "best available climate information" to support key land management questions and how to provide this information. NCPP's mission is to support state of the art approaches to develop and deliver comprehensive regional climate information and facilitate its use in decision making and adaptation planning. This presentation will describe the evolving joint pilot as a tangible, real-world demonstration of linkages between climate science, ecosystem science and resource management. Our joint pilot is developing a deliberate, ongoing interaction to prototype how NCPP will work with CSCs to develop and deliver needed climate information products, including translational information to support climate data understanding and use. This pilot also will build capacity in the North Central CSC by working with NCPP to use climate information used as input to ecological modeling. We will discuss lessons to date on developing and delivering needed climate information products based on this strategic partnership. Four projects have been funded to collaborate to incorporate climate information as part of an ecological modeling project, which in turn will address key DOI stakeholder priorities in the region: Riparian Corridors: Projecting climate change effects on cottonwood and willow seed dispersal phenology, flood timing, and seedling recruitment in western riparian forests. Sage Grouse & Habitats: Integrating climate and biological data into land management decision models to assess species and habitat vulnerability Grasslands & Forests: Projecting future effects of land management, natural disturbance, and CO2 on woody encroachment in the Northern Great Plains The value of climate information: Supporting management decisions in the Plains and Prairie Potholes LCC. NCCSC's role in

  4. HealthMarts, HIPCs (health insurance purchasing cooperatives), MEWAs (multiple employee welfare arrangements), and AHPs (association health plans): a guide for the perplexed.

    PubMed

    Hall, M A; Wicks, E K; Lawlor, J S

    2001-01-01

    This paper considers how pending proposals to authorize new forms of group purchasing arrangements for health insurance would fit and function within the existing, highly complex market and regulatory landscape and whether these proposals are likely to meet their stated objectives and avoid unintended consequences. Cost savings are more likely to result from increased risk segmentation than through true market efficiencies. Thus, these proposals could erode previous market reforms whose goal is increased risk pooling. On the other hand, these proposals contain important enhancements, clarifications, and simplification of state and federal regulatory oversight of group purchasing vehicles. Also, they address some of the problems that have hampered the performance of purchasing cooperatives. On balance, although these proposals should receive cautious and careful consideration, they are not likely to produce a significant overall reduction in premiums or increase in coverage. PMID:11194835

  5. Surgical accuracy of three-dimensional virtual planning: a pilot study of bimaxillary orthognathic procedures including maxillary segmentation.

    PubMed

    Stokbro, K; Aagaard, E; Torkov, P; Bell, R B; Thygesen, T

    2016-01-01

    This retrospective study evaluated the precision and positional accuracy of different orthognathic procedures following virtual surgical planning in 30 patients. To date, no studies of three-dimensional virtual surgical planning have evaluated the influence of segmentation on positional accuracy and transverse expansion. Furthermore, only a few have evaluated the precision and accuracy of genioplasty in placement of the chin segment. The virtual surgical plan was compared with the postsurgical outcome by using three linear and three rotational measurements. The influence of maxillary segmentation was analyzed in both superior and inferior maxillary repositioning. In addition, transverse surgical expansion was compared with the postsurgical expansion obtained. An overall, high degree of linear accuracy between planned and postsurgical outcomes was found, but with a large standard deviation. Rotational difference showed an increase in pitch, mainly affecting the maxilla. Segmentation had no significant influence on maxillary placement. However, a posterior movement was observed in inferior maxillary repositioning. A lack of transverse expansion was observed in the segmented maxilla independent of the degree of expansion. PMID:26250603

  6. 75 FR 81544 - Request for Information Regarding Value-Based Insurance Design in Connection With Preventive Care...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-28

    ... Labor; Office of Consumer Information and Insurance Oversight, Department of Health and Human Services... health plans and health insurance issuers can employ value-based insurance design in the coverage of... following address ONLY: Office of Consumer Information and Insurance Oversight, Department of Health...

  7. F-18-FDG-PET Confined Radiotherapy of Locally Advanced NSCLC With Concomitant Chemotherapy: Results of the PET-PLAN Pilot Trial

    SciTech Connect

    Fleckenstein, Jochen; Hellwig, Dirk; Kremp, Stephanie; Grgic, Aleksandar; Groeschel, Andreas; Kirsch, Carl-Martin; Nestle, Ursula; Ruebe, Christian

    2011-11-15

    Purpose: The integration of fluoro-deoxy-D-glucose positron emission tomography (FDG-PET) in the process of radiotherapy (RT) planning of locally advanced non-small-cell lung cancer (NSCLC) may improve diagnostic accuracy and minimize interobserver variability compared with target volume definition solely based on computed tomography. Furthermore, irradiating only FDG-PET-positive findings and omitting elective nodal regions may allow dose escalation by treating smaller volumes. The aim of this prospective pilot trial was to evaluate the therapeutic safety of FDG-PET-based RT treatment planning with an autocontour-derived delineation of the primary tumor. Methods and Materials: Eligible patients had Stages II-III inoperable NSCLC, and simultaneous, platinum-based radiochemotherapy was indicated. FDG-PET and computed tomography acquisitions in RT treatment planning position were coregistered. The clinical target volume (CTV) included the FDG-PET-defined primary tumor, which was autodelineated with a source-to-background algorithm, plus FDG-PET-positive lymph node stations. Limited by dose restrictions for normal tissues, prescribed total doses were in the range of 66.6 to 73.8 Gy. The primary endpoint was the rate of out-of-field isolated nodal recurrences (INR). Results: As per intent to treat, 32 patients received radiochemotherapy. In 15 of these patients, dose escalation above 66.6 Gy was achieved. No Grade 4 toxicities occurred. After a median follow-up time of 27.2 months, the estimated median survival time was 19.3 months. During the observation period, one INR was observed in 23 evaluable patients. Conclusions: FDG-PET-confined target volume definition in radiochemotherapy of NSCLC, based on a contrast-oriented source-to-background algorithm, was associated with a low risk of INR. It might provide improved tumor control because of dose escalation.

  8. Competition between health maintenance organizations and nonintegrated health insurance companies in health insurance markets.

    PubMed

    Baranes, Edmond; Bardey, David

    2015-12-01

    This article examines a model of competition between two types of health insurer: Health Maintenance Organizations (HMOs) and nonintegrated insurers. HMOs vertically integrate health care providers and pay them at a competitive price, while nonintegrated health insurers work as indemnity plans and pay the health care providers freely chosen by policyholders at a wholesale price. Such difference is referred to as an input price effect which, at first glance, favors HMOs. Moreover, we assume that policyholders place a positive value on the provider diversity supplied by their health insurance plan and that this value increases with the probability of disease. Due to the restricted choice of health care providers in HMOs a risk segmentation occurs: policyholders who choose nonintegrated health insurers are characterized by higher risk, which also tends to favor HMOs. Our equilibrium analysis reveals that the equilibrium allocation only depends on the number of HMOs in the case of exclusivity contracts between HMOs and providers. Surprisingly, our model shows that the interplay between risk segmentation and input price effects may generate ambiguous results. More precisely, we reveal that vertical integration in health insurance markets may decrease health insurers' premiums. PMID:26608954

  9. Drug Plan Coverage Rules

    MedlinePlus

    ... works with other insurance Find health & drug plans Drug plan coverage rules Note Call your Medicare drug ... shingles vaccine) when medically necessary to prevent illness. Drugs you get in hospital outpatient settings In most ...

  10. Relative value health insurance.

    PubMed

    Korobkin, Russell

    2014-04-01

    Increases in health costs continue to outpace general inflation, and implementation of the Patient Protection and Affordable Care Act will exacerbate the problem by adding more Americans to the ranks of the insured. The most commonly proposed solutions--bureaucratic controls, greater patient cost sharing, and changes to physician incentives--all have substantial weaknesses. This article proposes a new paradigm for rationalizing health care expenditures called "relative value health insurance," a product that would enable consumers to purchase health insurance that covers cost-effective treatments but excludes cost-ineffective treatments. A combination of legal and informational impediments prevents private insurers from marketing this type of product today, but creative use of comparative effectiveness research, funded as a part of health care reform, could make relative value health insurance possible. Data deficits, adverse selection risks, and heterogeneous values among consumers create obstacles to shifting the health insurance system to this paradigm, but they could be overcome. PMID:24523448

  11. 48 CFR 212.7002 - Pilot program.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 3 2011-10-01 2011-10-01 false Pilot program. 212.7002... OF DEFENSE ACQUISITION PLANNING ACQUISITION OF COMMERCIAL ITEMS Pilot Program for Transition to Follow-On Contracting After Use of Other Transaction Authority 212.7002 Pilot program....

  12. Theory of health insurance.

    PubMed

    Nyman, J A

    1998-01-01

    The conventional explanation for purchasing insurance is to transfer risk. Psychologists, however, have shown that this explanation does not match actual behavior. They find that people generally prefer the risk of no loss at all to the certainty of a smaller actuarially equivalent loss, a situation exactly opposite to the one represented by the purchase of insurance. Nevertheless, people do purchase insurance, so there must be an explanation other than risk transfer for purchasing it. Of the explanations so far advanced, however, none have yet developed a wide acceptance. Regardless of risk issues, people will be more likely to purchase insurance when the premium is low compared to the value of the coverage to the consumer. Moral hazard raises the premium, as does adverse selection. The presence of either makes the purchase of insurance less likely. With health insurance, the tax subsidy can reduce the effective premium to less than the actuarially fair cost of insurance. This would increase the likelihood that health insurance is purchased. Finally, because of the value we place on our health, we desire access to a full range of health care. Health insurance is often the only affordable way of gaining access to this care, given the high costs of many of these procedures. PMID:10185500

  13. Expanding insurance coverage through tax credits, consumer choice, and market enhancements: the American Medical Association proposal for health insurance reform.

    PubMed

    Palmisano, Donald J; Emmons, David W; Wozniak, Gregory D

    2004-05-12

    Recent reports showing an increase in the number of uninsured individuals in the United States have given heightened attention to increasing health insurance coverage. The American Medical Association (AMA) has proposed a system of tax credits for the purchase of individually owned health insurance and enhancements to individual and group health insurance markets as a means of expanding coverage. Individually owned insurance would enable people to maintain coverage without disruption to existing patient-physician relationships, regardless of changes in employers or in work status. The AMA's plan would empower individuals to choose their health plan and give patients and their physicians more control over health care choices. Employers could continue to offer employment-based coverage, but employees would not be limited to the health plans offered by their employer. With a tax credit large enough to make coverage affordable and the ability to choose their own coverage, consumers would dramatically transform the individual and group health insurance markets. Health insurers would respond to the demands of individual consumers and be more cautious about increasing premiums. Insurers would also tailor benefit packages and develop new forms of coverage to better match the preferences of individuals and families. The AMA supports the development of new health insurance markets through legislative and regulatory changes to foster a wider array of high-quality, affordable plans. PMID:15138246

  14. Insurance and indemnification implications of future space projects

    NASA Technical Reports Server (NTRS)

    O'Brien, John E.

    1987-01-01

    NASA options regarding insurance and indemnification policies as they relate to NASA customers and contractors are described. The foundation for the discussion is the way in which NASA is planning to return the Space Shuttle fleet to safe flight as well as current U.S. policy concerning future uses of the Shuttle fleet. Issues discussed include: the nature of the Shuttle manifest; the policy regarding property damage or destruction; insurance against liability to third parties; the reduction of the scope of the risk to be insured; NASA as the insurer; a sharing arrangement between the user and NASA; and contractors and subcontractors involved in Shuttle operations.

  15. 76 FR 11782 - Medicare, Medicaid, and Children's Health Insurance Programs; Renewal, Expansion, and Renaming of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-03

    ... signed the charter establishing the APME on January 21, 1999 (64 FR 7899, February 17, 1999). II... with or who are eligible for Medicare, Medicaid and the Children's Health Insurance Program (CHIP... Insurance Assistance Programs (SHIPs), health insurance plans, aging, Web health education,...

  16. Insurance Needs for Adventure Programs.

    ERIC Educational Resources Information Center

    Wolff, Robert M.; Washburn, Nancy

    1984-01-01

    lines insurance needs for adventure education programs. Gives results of a survey (65 percent response rate) of 68 adventure education programs and their insurance coverage or reasons why they had no insurance. Discusses risk management for adventure education programs. (MH)

  17. 7 CFR 3550.61 - Insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... by the Federal Emergency Management Agency (FEMA). RHS actions will be consistent with 7 CFR part... borrower, or by contract, will be planned, performed, inspected, and paid for in accordance with 7 CFR part... 7 Agriculture 15 2011-01-01 2011-01-01 false Insurance. 3550.61 Section 3550.61...

  18. Student Health Insurance: Problems and Solutions

    ERIC Educational Resources Information Center

    Wagner, Robin

    2006-01-01

    Student health insurance experiences the same inflationary trends as employee benefits, but is rarely viewed as a significant direct cost to an institution, nor is the bill as high as the costs associated with employee health plans. Several long-term solutions and strategies that could help colleges to contain the ever-escalating cost of providing…

  19. Preference diversity and the breadth of employee health insurance options.

    PubMed Central

    Moran, J R; Chernew, M E; Hirth, R A

    2001-01-01

    OBJECTIVE: To examine the effect of worker heterogeneity, firm size, and establishment size on the breadth of employer health insurance offerings. DATA SOURCES: The data were drawn from the 1993 Robert Wood Johnson Foundation Employer Health Insurance Survey of 22,000 business establishments selected randomly from ten states. STUDY DESIGN: The analysis was cross-sectional, using ordered probit models to relate the breadth of plan offerings to firm characteristics. PRINCIPAL FINDINGS: Firms with more diverse workforces offered a more diverse set of health insurance options. Firm and establishment size independently influenced the breadth of plan offerings. CONCLUSIONS: Employers are responsive to worker heterogeneity when determining the breadth of their health insurance offerings. However, diseconomies of scale in the purchase and administration of health insurance appear to limit the extent to which small employers can accommodate diverse worker preferences. PMID:11666110

  20. Medicare spending by beneficiaries with various types of supplemental insurance.

    PubMed

    Khandker, R K; McCormack, L A

    1999-06-01

    The authors analyzed Medicare spending by elderly noninstitutionalized Medicare beneficiaries with and without supplemental insurance such as Medigap, employer-sponsored plans, and Medicaid. Use of a detailed survey of Medicare beneficiaries and their Medicare health insurance claims enabled the authors to control for health status, chronic conditions, functional limitations, and other factors that explain spending variations across supplemental insurance categories. The authors found that supplemental insurance was associated with a higher probability and level of Medicare spending, particularly for Part B services. Beneficiaries with both Medigap and employer plans had the highest levels of spending ceteris paribus, suggesting a possible moral hazard effect of insurance. Findings from this study are discussed in the context of the overall financing of health care for the elderly. PMID:10373721

  1. Travel insurance and health.

    PubMed

    Leggat, P A; Carne, J; Kedjarune, U

    1999-12-01

    Travel insurance normally underwrites travel, medical, and dental expenses incurred by travelers abroad and arranges aeromedical evacuation of travelers under conditions specified by the travel insurance policy. Because of the costs of medical and dental treatment abroad and the high cost associated with aeromedical evacuation, all travelers should be advised of the need for comprehensive travel insurance and be advised to read their policies carefully to see what is covered and to check for any exclusions. In particular, those travelers who have known preexisting conditions, who are working overseas, or who are going to undertake any form of hazardous recreational pursuit may need to obtain a special travel insurance policy, which may attract a higher premium. Conservatively, it is estimated that between 30-50% of travelers become ill or injured whilst traveling. Relative estimated monthly incidence rates of various health problems have been compiled elsewhere. The risk of severe injury is thought to be greater for people when traveling abroad. These risks should be covered by travel insurance to protect the traveler, however it is not known what proportion of travel agents or airlines give advice routinely on travel insurance. Travel insurance is the most important safety net for travelers in the event of misadventure, and should be reinforced by travel health advisers. Although only 4% of general practitioners (GPs) in a late 1980's study in the United Kingdom would advise a traveler going to Turkey about travel insurance,4 more recent studies have shown about 60% of GPs in New Zealand and 39% of travel clinics worldwide usually advised travelers concerning travel insurance. In addition, 54% of GPs in New Zealand usually also advised travelers about finding medical assistance abroad, but only 19% of GPs recommended travel insurance companies as a source of medical assistance while traveling. PMID:10575173

  2. Health Insurance and Risk of Divorce: Does Having Your Own Insurance Matter?

    PubMed Central

    Sohn, Heeju

    2016-01-01

    Most American adults under 65 obtain health insurance through their employers or their spouses’ employers. The absence of a universal healthcare system in the United States puts Americans at considerable risk for losing their coverage when transitioning out of jobs or marriages. Scholars have found evidence of reduced job mobility among individuals who are dependent on their employers for healthcare coverage. This paper finds similar relationships between insurance and divorce. I apply the hazard model to married individuals in the longitudinal Survey of Income Program Participation (N=17,388) and find lower divorce rates among people who are insured through their partners’ plans without alternative sources of their own. Furthermore, I find gender differences in the relationship between healthcare coverage and divorce rates: insurance dependent women have lower rates of divorce than men in similar situations. These findings draw attention to the importance of considering family processes when debating and evaluating health policies. PMID:26949269

  3. Self-insurance and the potential effects of health reform on the small-group market.

    PubMed

    Linehan, Kathryn

    2010-12-21

    The Patient Protection and Affordable Care Act (PPACA) as amended by the Health Care Education Reconciliation Act of 2010 makes landmark changes to health insurance markets. Individual and small-group insurance plans and markets will see the biggest changes, but PPACA also affects large employer and self-insured plans by imposing rules for benefit design and health plan practices. Over half of workers--most often those in very large firms--are covered by self-insured health plans in which employers (or employee groups) bear all or some of the risk of providing insurance coverage to a defined population of workers and their dependents. As PPACA provisions become effective, some have argued that smaller firms that offer insurance may opt to self-insure their health benefits because of new small-group market rules. Such a shift could affect risk pooling in the small-group market. This paper examines the definition and prevalence of self-insured health plans, the application of PPACA provisions to these plans, and the possible effects on the broader health insurance market, should many more employers decide to self-insure. PMID:21192488

  4. Individual insurance: health insurers try to tap potential market growth.

    PubMed

    November, Elizabeth A; Cohen, Genna R; Ginsburg, Paul B; Quinn, Brian C

    2009-11-01

    Individual insurance is the only source of health coverage for people without access to employer-sponsored insurance or public insurance. Individual insurance traditionally has been sought by older, sicker individuals who perceive the need for insurance more than younger, healthier people. The attraction of a sicker population to the individual market creates adverse selection, leading insurers to employ medical underwriting--which most states allow--to either avoid those with the greatest health needs or set premiums more reflective of their expected medical use. Recently, however, several factors have prompted insurers to recognize the growth potential of the individual market: a declining proportion of people with employer-sponsored insurance, a sizeable population of younger, healthier people forgoing insurance, and the likelihood that many people receiving subsidies to buy insurance under proposed health insurance reforms would buy individual coverage. Insurers are pursuing several strategies to expand their presence in the individual insurance market, including entering less-regulated markets, developing lower-cost, less-comprehensive products targeting younger, healthy consumers, and attracting consumers through the Internet and other new distribution channels, according to a new study by the Center for Studying Health System Change (HSC). Insurers' strategies in the individual insurance market are unlikely to meet the needs of less-than-healthy people seeking affordable, comprehensive coverage. Congressional health reform proposals, which envision a larger role for the individual market under a sharply different regulatory framework, would likely supersede insurers' current individual market strategies. PMID:19899193

  5. Health Care Outcomes and Advance Care Planning in Older Adults Who Receive Home-Based Palliative Care: A Pilot Cohort Study

    PubMed Central

    Thorsteinsdottir, Bjorg; Cha, Stephen S.; Hanson, Gregory J.; Peterson, Stephanie M.; Rahman, Parvez A.; Naessens, James M.; Takahashi, Paul Y.

    2015-01-01

    Abstract Background: Approximately 20% of seniors live with five or more chronic medical illnesses. Terminal stages of their lives are often characterized by repeated burdensome hospitalizations and advance care directives are insufficiently addressed. This study reports on the preliminary results of a Palliative Care Homebound Program (PCHP) at the Mayo Clinic in Rochester, Minnesota to service these vulnerable populations. Objective: The study objective was to evaluate inpatient hospital utilization and the adequacy of advance care planning in patients who receive home-based palliative care. Methods: This is a retrospective pilot cohort study of patients enrolled in the PCHP between September 2012 and March 2013. Two control patients were matched to each intervention patient by propensity scoring methods that factor in risk and prognosis. Primary outcomes were six-month hospital utilization including ER visits. Secondary outcomes evaluated advance care directive completion and overall mortality. Results: Patients enrolled in the PCHP group (n=54) were matched to 108 controls with an average age of 87 years. Ninety-two percent of controls and 33% of PCHP patients were admitted to the hospital at least once. The average number of hospital admissions was 1.36 per patient for controls versus 0.35 in the PCHP (p<0.001). Total hospital days were reduced by 5.13 days. There was no difference between rates of ER visits. Advanced care directive were completed more often in the intervention group (98%) as compared to controls (31%), with p<0.001. Goals of care discussions were held at least once for all patients in the PCHP group, compared to 41% in the controls. PMID:25375663

  6. Insuring against health shocks: Health insurance and household choices.

    PubMed

    Liu, Kai

    2016-03-01

    This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investment in children's human capital during negative health shocks, which suggests that one benefit of health insurance could arise from reducing the use of costly smoothing mechanisms. PMID:26836108

  7. 75 FR 15777 - Common Crop Insurance Regulations, Basic Provisions; and Various Crop Insurance Provisions

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-30

    ...The Federal Crop Insurance Corporation (FCIC) finalizes the Common Crop Insurance Regulations, Basic Provisions, Small Grains Crop Insurance Provisions, Cotton Crop Insurance Provisions, Sunflower Seed Crop Insurance Provisions, Coarse Grains Crop Insurance Provisions, Malting Barley Crop Insurance Provisions, Rice Crop Insurance Provisions, and Canola and Rapeseed Crop Insurance Provisions to......

  8. [Community financing for health care in Africa: mutual health insurance].

    PubMed

    Richard, V

    2005-01-01

    Health care in sub-Saharan Africa is increasingly financed by direct payments from the population. Mutual health insurance plans are developing to ensure better risk sharing. However mutual health insurance cannot fully resolve all equity issues. The low resources available for contribution and the limited availability of care services especially in the public sector cannot guarantee the quality of care necessary for the development of mutual health insurance. National governments must not forget their responsibility especially for defining and ensuring basic services that must be accessible to all. Will mutual health insurance plans be a stepping-stone to universal health care coverage and can these plans be successfully implemented in the context of an informal economy? PMID:15903084

  9. Consumer preferences in social health insurance.

    PubMed

    Kerssens, Jan J; Groenewegen, Peter P

    2005-03-01

    Allowing consumers greater choice of health plans is believed to be the key to high quality and low costs in social health insurance. This study investigates consumer preferences (361 persons, response rate 43%) for hypothetical health plans which differed in 12 characteristics (premium, deductibles, no-claim discount, extension of insurance and financial services, red tape involved, medical help-desk, choice of family physicians and hospitals, dental benefits, physical therapy benefits, benefits for prescription drugs and homeopathy). In 90% the health plan with the most attractive characteristics was preferred, indicating a predominantly rational kind of choice. The most decisive characteristics for preference were: complete dental benefits, followed by zero deductibles, and free choice of hospitals. PMID:15452743

  10. CHIP Utilization in South Texas: A Prospective Longitudinal Study of the Children's Health Insurance Program. JSRI Research Report No. 33

    ERIC Educational Resources Information Center

    Millard, Ann V.; Mier, Nelda; Gabriel, Olga; Flores, Soledad

    2004-01-01

    The Children's Health Insurance Program (CHIP) began as a federal stopgap measure to assist families whose incomes were too high to qualify for Medicaid, but too low to make health insurance for their children affordable. In 2002, efforts were launched around the United States to recruit eligible children into the program. This pilot study…

  11. Computer Crime and Insurance.

    ERIC Educational Resources Information Center

    Beaudoin, Ralph H.

    1985-01-01

    The susceptibility of colleges and universities to computer crime is great. While insurance coverage is available to cover the risks, an aggressive loss-prevention program is the wisest approach to limiting the exposures presented by computer technology. (MLW)

  12. Deductibles in health insurance

    NASA Astrophysics Data System (ADS)

    Dimitriyadis, I.; Öney, Ü. N.

    2009-11-01

    This study is an extension to a simulation study that has been developed to determine ruin probabilities in health insurance. The study concentrates on inpatient and outpatient benefits for customers of varying age bands. Loss distributions are modelled through the Allianz tool pack for different classes of insureds. Premiums at different levels of deductibles are derived in the simulation and ruin probabilities are computed assuming a linear loading on the premium. The increase in the probability of ruin at high levels of the deductible clearly shows the insufficiency of proportional loading in deductible premiums. The PH-transform pricing rule developed by Wang is analyzed as an alternative pricing rule. A simple case, where an insured is assumed to be an exponential utility decision maker while the insurer's pricing rule is a PH-transform is also treated.

  13. Captive insurance companies.

    PubMed

    Strauss, Peter

    2014-01-01

    The landscape of the business world is changing; and now, more than ever, business owners are recognizing that life is filled with risks: known risk, calculated risk, and unexpected risk. Every day, businesses thrive or fail based on understanding the risk of owning and operating their business, and business owners are recognizing that there are alternative risk financing mechanisms other than simply taking out a basket of standard coverage as recommended by your friendly neighborhood agent. A captive insurance company is an insurance company established to provide a broad range of risk management capabilities to affiliated companies. The captive is owned by the business owner and can provide insurance to the business for potential future losses, whether or not the losses are already covered by a commercial carrier or are "self-insured." The premiums paid by your business are tax deductible. Meanwhile, the premiums that your captive collects are tax-free up to $1.2 million annually. PMID:25807627

  14. Insurance in clinical research

    PubMed Central

    Ghooi, Ravindra B.; Divekar, Deepa

    2014-01-01

    Aims and Objectives: Sponsors need to pay for management of all serious adverse events suffered by subjects in a clinical trial and to compensate for injuries or deaths related to the trial. This study examines if insurance policies of trials, cover all contingencies that require reimbursement or compensation. Materials and Methods: Insurance policies of trials submitted to Sahyadri Hospitals between January 2013 and December 2013 were studied, with respect to the policy period, the limit of liability, deductibles, and preconditions if any. Results: All the policies studied had some deficiencies, in one respect or the other and none had a provision to pay full compensation if required. Some insurers have put in preconditions that could jeopardize the payment of compensation to subjects. Conclusions: Insurances are complicated documents, and need to be critically examined by the ethics committee before approval of the study documents. PMID:25276622

  15. SOLERAS: Solar Energy Water Desalination Project. Exxon Research and Engineering. Volume 3: Appendices pilot plan and design details and subsystem direct cost support

    NASA Astrophysics Data System (ADS)

    Details of the design of a water desalination solar pilot plant in Yanbu, Saudi Arabia are presented. The major subsystems of the plant are defined, including solar energy collection and simulation, energy storage, energy delivery, reverse osmosis/multiple effect distillation, water storage, waste disposal, backup power generators, controls and instrumentation data acquisition, facilities and enclosures, and computers. A list of the plant equipment and a set of process flow diagrams are provided. A cost analysis of the pilot plant is included.

  16. Making health insurance cost-sharing clear to consumers: challenges in implementing health reform's insurance disclosure requirements.

    PubMed

    Quincy, Lynn

    2011-02-01

    The Affordable Care Act calls for a new health insurance disclosure form, called the Summary of Benefits and Coverage, which uses a fixed layout and standard terms and definitions to allow consumers to compare health insurance plans and understand terms of coverage. This brief reports on findings from a Consumers Union study that examined consumers' initial reactions to the form. Testing revealed that consumers were able to use the forms to make hypothetical choices among health plans. However, the study also found deep-seated confusion and lack of confidence with respect to health plan cost-sharing. These findings have significant implications for any venue providing comparative displays of health insurance information, like the future state exchanges, and for policies that rely on the ability of consumers to make informed health insurance purchasing decisions, such as "consumer-driven health care" policies. PMID:21348328

  17. Personal Financial Planning: Failure to Plan Properly May Have Dire Consequences.

    ERIC Educational Resources Information Center

    Rosenbloom, Jerry

    1988-01-01

    Effective personal financial planning results in sound decisions in the areas of insurance, accumulating capital, retirement planning, and tax planning. Appropriate financial planning concerns everyone--regardless of his or her stage in life. (MLW)

  18. 20 CFR 323.6 - Treatment of benefit payments under a nongovernmental plan for purposes of contributions.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT... are not compensation as defined in section 1(i) of the Railroad Unemployment Insurance Act,...

  19. 20 CFR 323.6 - Treatment of benefit payments under a nongovernmental plan for purposes of contributions.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT... are not compensation as defined in section 1(i) of the Railroad Unemployment Insurance Act,...

  20. 20 CFR 323.6 - Treatment of benefit payments under a nongovernmental plan for purposes of contributions.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT... are not compensation as defined in section 1(i) of the Railroad Unemployment Insurance Act,...

  1. 20 CFR 323.6 - Treatment of benefit payments under a nongovernmental plan for purposes of contributions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT... are not compensation as defined in section 1(i) of the Railroad Unemployment Insurance Act,...

  2. 20 CFR 323.6 - Treatment of benefit payments under a nongovernmental plan for purposes of contributions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT... are not compensation as defined in section 1(i) of the Railroad Unemployment Insurance Act,...

  3. Genetics and Personal Insurance: the Perspectives of Canadian Cancer Genetic Counselors.

    PubMed

    Lane, Michelle; Ngueng Feze, Ida; Joly, Yann

    2015-12-01

    Genetic discrimination in the context of genetic testing has been identified as a concern for symptomatic and asymptomatic individuals for more than three decades. Genetic counselors are often the health care professionals who discuss risks and benefits of genetic testing with patients, thereby making them most appropriate to address patient concerns about genetics and personal insurance (i.e., life, life as related to mortgage or group insurance, disability, critical illness and travel). A pilot study was conducted to ascertain the current practices of Canadian cancer genetic counselors in regard to their discussions with patients about genetic testing and access to personal insurance. Among the 36 counselors surveyed, 100 % reported discussing the issue of genetic testing and personal insurance with their patients. Several factors influenced the content, depth and length of these discussions including age, cancer status, family members, and patients' current and future insurance needs. Counselors reported discussing with patients the possible impact of genetic test results on access to personal insurance, possible access and use of patient genetic information by insurance companies, and whom patients should contact if they have additional questions. The most commonly reported inquiries from patients included questions about the possible impact of genetic testing on their ability to obtain insurance, and the insurability of family members. While 28 % of counselors reported having been contacted by an insurer requesting access to patient information, only one counselor was aware of or could recall the outcome of such a request. This pilot study revealed that issues concerning genetics and personal insurance are commonly discussed in Canadian cancer genetic counseling sessions. Counselors furthermore expressed a need for additional educational resources on the topic of genetics and personal insurance for themselves and their patients. PMID:25925606

  4. Health insurance in India: need for managed care expertise.

    PubMed

    Thomas, Thomas K

    2011-02-01

    Health insurers in India currently face many challenges, including poor consumer awareness, strict regulations, and inefficient business practices. They operate under a combination of stifling administrative costs and high medical expense ratios which have ensured that insurers operate under steep losses. External factors (eg, onerous regulations, lack of standards, high claims payouts) and internal factors (eg, high administrative costs, dependence on indemnity models that cover inpatient treatment costs only) have forced the health insurance industry into a regressive spiral. To overcome these challenges, health insurers need to innovate in their product offerings and tighten their existing processes and cost structures. But as a long-term strategy, it is imperative that health insurers deploy managed care concepts, which will go a long way toward addressing the systemic issues in the current operational models of health plans. PMID:21473657

  5. Google Earth Views of Probabilistic Tsunami Hazard Analysis Pilot Study, Seaside, Oregon

    NASA Astrophysics Data System (ADS)

    Wong, F. L.; Venturato, A. J.; Geist, E. L.

    2006-12-01

    Virtual globes such as Google Earth provide immediate geographic context for research data for coastal hazard planning. We present Google Earth views of data from a Tsunami Pilot Study conducted within and near Seaside and Gearhart, Oregon, as part of FEMA's Flood Insurance Rate Map Modernization Program (Tsunami Pilot Study Working Group, 2006). Two goals of the pilot study were to develop probabilistic 100- year and 500-year tsunami inundation maps using Probabilistic Tsunami Hazard Analysis (PTHA) and to provide recommendations for improved tsunami hazard assessment guidelines. The Seaside area was chosen because it is typical of many coastal communities along the Cascadia subduction zone that extends from Cape Mendocino, California, to the Strait of Juan de Fuca, Washington. State and local stakeholders also expressed considerable interest in mapping the tsunami threat to this area. The study was an interagency effort by the National Oceanic and Atmospheric Administration, U.S. Geological Survey, and FEMA, in collaboration with the University of Southern California, Middle East Technical University, Portland State University, Horning Geoscience, Northwest Hydraulics Consultants, and the Oregon Department of Geological and Mineral Industries. The pilot study report will be augmented by a separate geographic information systems (GIS) data publication that provides model data and results. In addition to traditional GIS data formats, Google Earth kmz files are available to provide rapid visualization of the data against the rich base map provided by the interface. The data include verbal and geologic observations of historic tsunami events, newly constructed DEMs, historic shorelines, earthquake sources, models of tsunami wave heights, and maps of the estimated 100- and 500-year probabilistic floods. Tsunami Pilot Study Working Group, 2006, Seaside, Oregon Tsunami Pilot Study - Modernization of FEMA Flood Hazard Maps: U.S. Geological Survey Open-file Report 2006

  6. What's behind health insurance rate increases? an examination of what insurers reported to the federal government in 2013-2014.

    PubMed

    McCue, Michael J; Hall, Mark A

    2015-01-01

    The Affordable Care Act requires health insurers to justify rate increases that are 10 percent or more for nongrandfathered plans in the individual and small-group markets. Analyzing these filings for renewals taking effect from mid-2013 through mid-2014, this brief finds that the average rate increase submitted for review was 13 percent. Insurers attributed the great bulk of these larger rate increases to routine factors such as trends in medical costs. Most insurers did not attribute any portion of these medical cost trends to factors related to the Affordable Care Act. The ACA-related factors mentioned most often were nonmedical: the new federal taxes on insurers, and the fee for the transitional reinsurance program. On average, insurers that quantified any ACA impact attributed about a third of their larger rate increases to these new ACA assessments. PMID:25807591

  7. Pilot performance

    NASA Technical Reports Server (NTRS)

    Nicholls, Jennifer

    1988-01-01

    For many years, the emphasis has been placed on the performance of the aircraft, rather than on those who fly the aircraft. This is largely due to the relative safety of flying. Just in the last few years there have been several major accidents that have shown that flying is not quite as safe as it was thought to be. Sixty-five percent of these accidents are a result of pilot performance decrements, and so it is obvious that there is a need to reduce that figure. A study has been mandated to evaluate the performance of pilots. This includes workload, circadium rhythms, jet lag, and any other factors which might affect a pilot's performance in the cockpit. The purpose of this study is to find out when and why the decrement in a pilot's performance occur and how to remedy the situation.

  8. Test plan: Sealing of the Disturbed Rock Zone (DRZ), including Marker Bed 139 (MB139) and the overlying halite, below the repository horizon, at the Waste Isolation Pilot Plant. Small-scale seal performance test-series F

    SciTech Connect

    Ahrens, E.H.

    1992-05-01

    This test plan describes activities intended to demonstrate equipment and techniques for producing, injecting, and evaluating microfine cementitious grout. The grout will be injected in fractured rock located below the repository horizon at the Waste Isolation Pilot Plant (WIPP). These data are intended to support the development of the Alcove Gas Barrier System (AGBS), the design of upcoming, large-scale seal tests, and ongoing laboratory evaluations of grouting efficacy. Degradation of the grout will be studied in experiments conducted in parallel with the underground grouting experiment.

  9. Test plan: Sealing of the Disturbed Rock Zone (DRZ), including Marker Bed 139 (MB139) and the overlying halite, below the repository horizon, at the Waste Isolation Pilot Plant. [Cementitious grout into fractured WIPP rock

    SciTech Connect

    Ahrens, E.H.

    1992-05-01

    This test plan describes activities intended to demonstrate equipment and techniques for producing, injecting, and evaluating microfine cementitious grout. The grout will be injected in fractured rock located below the repository horizon at the Waste Isolation Pilot Plant (WIPP). These data are intended to support the development of the Alcove Gas Barrier System (AGBS), the design of upcoming, large-scale seal tests, and ongoing laboratory evaluations of grouting efficacy. Degradation of the grout will be studied in experiments conducted in parallel with the underground grouting experiment.

  10. Real-time piloted simulation of fully automatic guidance and control for rotorcraft nap-of-the-earth (NOE) flight following planned profiles

    NASA Technical Reports Server (NTRS)

    Clement, Warren F.; Gorder, Pater J.; Jewell, Wayne F.; Coppenbarger, Richard

    1990-01-01

    Developing a single-pilot all-weather NOE capability requires fully automatic NOE navigation and flight control. Innovative guidance and control concepts are being investigated to (1) organize the onboard computer-based storage and real-time updating of NOE terrain profiles and obstacles; (2) define a class of automatic anticipative pursuit guidance algorithms to follow the vertical, lateral, and longitudinal guidance commands; (3) automate a decision-making process for unexpected obstacle avoidance; and (4) provide several rapid response maneuvers. Acquired knowledge from the sensed environment is correlated with the recorded environment which is then used to determine an appropriate evasive maneuver if a nonconformity is observed. This research effort has been evaluated in both fixed-base and moving-base real-time piloted simulations thereby evaluating pilot acceptance of the automated concepts, supervisory override, manual operation, and reengagement of the automatic system.

  11. Counseling as an Insured Benefit: Perspectives from the Insurance Industry

    ERIC Educational Resources Information Center

    Fulton, Wallace C.

    1974-01-01

    Article discusses the feasibility of marriage counseling as an insurance benefit in the future. It is suggested that the physician be used as a marriage counselor in that insurance companies will pay for medical services. (EK)

  12. 24 CFR 1000.139 - What are the standards for insurance entities owned and controlled by recipients?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... entity, tribal self-insurance plan, tribal risk retention group, or Indian housing self-insurance risk pool; (2) The plan limits participation to IHBG recipients; (3) The plan operates on a nonprofit basis... the applicant of the reasons for disapproval and may offer technical assistance to a recipient to...

  13. MORAL HAZARD IN HEALTH INSURANCE: DO DYNAMIC INCENTIVES MATTER?

    PubMed Central

    Aron-Dine, Aviva; Einav, Liran; Finkelstein, Amy; Cullen, Mark

    2016-01-01

    Using data from employer-provided health insurance and Medicare Part D, we investigate whether healthcare utilization responds to the dynamic incentives created by the nonlinear nature of health insurance contracts. We exploit the fact that, because annual coverage usually resets every January, individuals who join a plan later in the year face the same initial (“spot”) price of healthcare but a higher expected end-of-year (“future”) price. We find a statistically significant response of initial utilization to the future price, rejecting the null that individuals respond only to the spot price. We discuss implications for analysis of moral hazard in health insurance. PMID:26769985

  14. Health insurance and the demand for medical care: Instrumental variable estimates using health insurer claims data.

    PubMed

    Dunn, Abe

    2016-07-01

    This paper takes a different approach to estimating demand for medical care that uses the negotiated prices between insurers and providers as an instrument. The instrument is viewed as a textbook "cost shifting" instrument that impacts plan offerings, but is unobserved by consumers. The paper finds a price elasticity of demand of around -0.20, matching the elasticity found in the RAND Health Insurance Experiment. The paper also studies within-market variation in demand for prescription drugs and other medical care services and obtains comparable price elasticity estimates. PMID:27107371

  15. Focus on asbestos; Choosing insurance

    SciTech Connect

    DeVito, E.D. )

    1989-01-01

    any asbestos abatement process carries with it some hazards to health. The process of asbestos removal often involves heavy demolition as well as complex area isolation and air engineering procedures. If not planned, monitored and performed correctly, asbestos control work can spread significant amounts of airborne asbestos contamination through a building. Persons who visit or re-occupy such a contaminated building may later seek legal redress against the contractor, architect, building owner and others who are alleged to be responsible for injuries ultimately related to faulty asbestos abatement work. This paper reports that, for this reason, asbestos contractors, building owners, real estate managers, architects and others involved in asbestos abatement work need to be concerned about the adequacy of their insurance coverage.

  16. Health insurance exchanges bring potential opportunities.

    PubMed

    Jacobs, M Orry; Eggbeer, Bill

    2012-11-01

    The introduction of the state health insurance exchanges, as provided for in the Affordable Care Act, has many strategic implications for healthcare providers: Unprecedented transparency; The "Walmart Effect", with patients playing a greater role as healthcare consumers; A rise in narrow networks spurred by low prices and narrow geographies; The potential end of the cross subsidy of Medicare and Medicaid by commercial plans; The possible end of not-for-profit status for hospitals PMID:23173361

  17. Marketing Services: Insurance. Marketing and Distributive Education Curriculum Guide.

    ERIC Educational Resources Information Center

    Luft, Roger L.; And Others

    This guide is designed to provide the curriculum coordinator with a basis for planning a comprehensive program in the field of marketing as well as to provide marketing and distributive education teacher/coordinators with maximum flexibility in planning an insurance marketing curriculum. The guide was constructed by identifying the competencies…

  18. Self Insurance and Other Trends in Insurance Management.

    ERIC Educational Resources Information Center

    Addicks, R. C., Jr.

    When determining a school system insurance program, the school board should first set a general insurance management policy statement for administrators to carry out. Next an overview of all the system operations must be made. The risks must then be quantified in terms of all potential financial loss. When designing an insurance program, the…

  19. 24 CFR 203.209 - Payments under a plan.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Payments under a plan. 203.209... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Protection Plans (plan) § 203.209 Payments under a plan. (a) If a Plan issuer or insurance backer elects...

  20. 24 CFR 203.209 - Payments under a plan.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Payments under a plan. 203.209... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Protection Plans (plan) § 203.209 Payments under a plan. (a) If a Plan issuer or insurance backer elects...

  1. Health insurance and the obesity externality.

    PubMed

    Bhattacharya, Jay; Sood, Neeraj

    2007-01-01

    If rational individuals pay the full costs of their decisions about food intake and exercise, economists, policy makers, and public health officials should treat the obesity epidemic as a matter of indifference. In this paper, we show that, as long as insurance premiums are not risk rated for obesity, health insurance coverage systematically shields those covered from the full costs of physical inactivity and overeating. Since the obese consume significantly more medical resources than the non-obese, but pay the same health insurance premiums, they impose a negative externality on normal weight individuals in their insurance pool. To estimate the size of this externality, we develop a model of weight loss and health insurance under two regimes--(1) underwriting on weight is allowed and (2) underwriting on weight is not allowed. We show that under regime (1), there is no obesity externality. Under regime (2), where there is an obesity externality, all plan participants face inefficient incentives to undertake unpleasant dieting and exercise. These reduced incentives lead to inefficient increases in bodyweight, and reduced social welfare. Using data on medical expenditures and bodyweight from the National Health and Interview Survey and the Medical Expenditure Panel Survey, we estimate that, in a health plan with a coinsurance rate of 17.5%, the obesity externality imposes a welfare cost of about $150 per capita. Our results also indicate that the welfare loss can be reduced by technological change that lowers the pecuniary and non-pecuniary costs of losing weight, and also by increasing the coinsurance rate. PMID:19548556

  2. Linking Remote Sensing Data and Energy Balance Models for a Scalable Agriculture Insurance System for sub-Saharan Africa

    NASA Astrophysics Data System (ADS)

    Brown, M. E.; Osgood, D. E.; McCarty, J. L.; Husak, G. J.; Hain, C.; Neigh, C. S. R.

    2014-12-01

    One of the most immediate and obvious impacts of climate change is on the weather-sensitive agriculture sector. Both local and global impacts on production of food will have a negative effect on the ability of humanity to meet its growing food demands. Agriculture has become more risky, particularly for farmers in the most vulnerable and food insecure regions of the world such as East Africa. Smallholders and low-income farmers need better financial tools to reduce the risk to food security while enabling productivity increases to meet the needs of a growing population. This paper will describe a recently funded project that brings together climate science, economics, and remote sensing expertise to focus on providing a scalable and sensor-independent remote sensing based product that can be used in developing regional rainfed agriculture insurance programs around the world. We will focus our efforts in Ethiopia and Kenya in East Africa and in Senegal and Burkina Faso in West Africa, where there are active index insurance pilots that can test the effectiveness of our remote sensing-based approach for use in the agriculture insurance industry. The paper will present the overall program, explain links to the insurance industry, and present comparisons of the four remote sensing datasets used to identify drought: the CHIRPS 30-year rainfall data product, the GIMMS 30-year vegetation data product from AVHRR, the ESA soil moisture ECV-30 year soil moisture data product, and a MODIS Evapotranspiration (ET) 15-year dataset. A summary of next year's plans for this project will be presented at the close of the presentation.

  3. Insurance, risk, and magical thinking.

    PubMed

    Tykocinski, Orit E

    2008-10-01

    The possession of an insurance policy may not only affect the severity of a potential loss but also its perceived probability. Intuitively, people may feel that if they are insured nothing bad is likely to happen, but if they do not have insurance they are at greater peril. In Experiment 1, respondents who were reminded of their medical insurance felt they were less likely to suffer health problems in the future compared to people who were not reminded of their medical insurance. In Experiment 2a, participants who were unable to purchase travel insurance judged the probability of travel-related calamities higher compared to those who were insured. These results were replicated in Experiment 3a in a simulation of car accident insurance. The findings are explained in terms of intuitive magical thinking, specifically, the negative affective consequences of "tempting fate" and the sense of safety afforded by the notion of "being covered." PMID:18612038

  4. Insurance Exchange Marketplace: Implications for Emergency Medicine Practice

    PubMed Central

    Rankey, David S.

    2012-01-01

    The Patient Protection and Affordable Care Act of 2010 requires states to establish healthcare insurance exchanges by 2014 to facilitate the purchase of qualified health plans. States are required to establish exchanges for small businesses and individuals. A federally operated exchange will be established, and states failing to participate in any other exchanges will be mandated to join the federal exchange. Policymakers and health economists believe that exchanges will improve healthcare at lower cost by promoting competition among insurers and by reducing burdensome transaction costs. Consumers will no longer be isolated from monthly insurance premium costs. Exchanges will increase the number of patients insured with more cost-conscious managed care and high-deductible plans. These insurance plan models have historically undervalued emergency medical services, while also underinsuring patients and limiting their healthcare system access to the emergency department. This paradoxically increases demand for emergency services while decreasing supply. The continual devaluation of emergency medical services by insurance payers will result in inadequate distribution of resources to emergency care, resulting in further emergency department closures, increases in emergency department crowding, and the demise of acute care services provided to families and communities. PMID:22900107

  5. Pilot production & commercialization of LAPPD™

    NASA Astrophysics Data System (ADS)

    Minot, Michael J.; Bennis, Daniel C.; Bond, Justin L.; Craven, Christopher A.; O`Mahony, Aileen; Renaud, Joseph M.; Stochaj, Michael E.; Elam, Jeffrey W.; Mane, Anil U.; Demarteau, Marcellinus W.; Wagner, Robert G.; McPhate, Jason B.; Helmut Siegmund, Oswald; Elagin, Andrey; Frisch, Henry J.; Northrop, Richard; Wetstein, Matthew J.

    2015-07-01

    We present a progress update on plans to establish pilot production and commercialization of Large Area (400 cm2) Picosecond Photodetector (LAPPD™). Steps being taken to commercialize this MCP and LAPPD™ technology and begin tile pilot production are presented including (1) the manufacture of 203 mm×203 mm borosilicate glass capillary arrays (GCAs), (2) optimization of MCP performance and creation of an ALD coating facility to manufacture MCPs and (3) design, construction and commissioning of UHV tile integration and sealing facility to produce LAPPDs. Taken together these plans provide a "pathway toward commercialization".

  6. The Business Case for Payer Support of a Community-Based Health Information Exchange: A Humana Pilot Evaluating Its Effectiveness in Cost Control for Plan Members Seeking Emergency Department Care

    PubMed Central

    Tzeel, Albert; Lawnicki, Victor; Pemble, Kim R.

    2011-01-01

    Background As emergency department utilization continues to increase, health plans must limit their cost exposure, which may be driven by duplicate testing and a lack of medical history at the point of care. Based on previous studies, health information exchanges (HIEs) can potentially provide health plans with the ability to address this need. Objective To assess the effectiveness of a community-based HIE in controlling plan costs arising from emergency department care for a health plan's members. Albert Tzeel Methods The study design was observational, with an eligible population (N = 1482) of fully insured plan members who sought emergency department care on at least 2 occasions during the study period, from December 2008 through March 2010. Cost and utilization data, obtained from member claims, were matched to a list of persons utilizing the emergency department where HIE querying could have occurred. Eligible members underwent propensity score matching to create a test group (N = 326) in which the HIE database was queried in all emergency department visits, and a control group (N = 325) in which the HIE database was not queried in any emergency department visit. Results Post–propensity matching analysis showed that the test group achieved an average savings of $29 per emergency department visit compared with the control group. Decreased utilization of imaging procedures and diagnostic tests drove this cost-savings. Conclusions When clinicians utilize HIE in the care of patients who present to the emergency department, the costs borne by a health plan providing coverage for these patients decrease. Although many factors can play a role in this finding, it is likely that HIEs obviate unnecessary service utilization through provision of historical medical information regarding specific patients at the point of care. PMID:25126351

  7. The Insurance Educator. Volume VII.

    ERIC Educational Resources Information Center

    Insurance Educator, 1998

    1998-01-01

    These two issues are intended for secondary school educators who teach about insurance in any of their courses. The following substantive articles are contained in the January 1998 issue: "Teen Drivers and Automobile Insurance: New Laws Safeguard Teen Drivers" (Insurance Information Institute); "National Advisory Council of Secondary Teachers"; "A…

  8. Insurance: Pupils' Pamphlet. II C.

    ERIC Educational Resources Information Center

    University of the South Pacific, Suva (Fiji).

    The document presents a study guide for students learning insurance protection and the various types of insurance businesses. The pupils' pamphlet is to be used in coordination with the teacher's guide. Case studies, worksheets, description of basic principles, and examples of policy forms are provided for the different types of insurance: (1)…

  9. Insurance Incentives for Health Promotion.

    ERIC Educational Resources Information Center

    Hosokawa, Michael C.

    1984-01-01

    To reduce the cost of reimbursements, many insurance companies have begun to use insurance incentives as a way to motivate individuals to participate in health promotion activities. Traditional health education, research and demonstration, and policy-premium incentives are methods of health promotion used by life and health insurance companies.…

  10. 46 CFR Sec. 13 - Insurance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 8 2011-10-01 2011-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance... respect to awarded work. Said Article 9 requires that the Contractor shall maintain insurance to...

  11. 46 CFR Sec. 13 - Insurance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance... respect to awarded work. Said Article 9 requires that the Contractor shall maintain insurance to...

  12. "Wrapping Up" Your Construction Insurance.

    ERIC Educational Resources Information Center

    Ferraro, Mark

    1998-01-01

    School facility managers are beginning to use a special insurance-management technique called wrap-up. The project owner purchases a bulk construction insurance policy consisting of general liability, excess liability, workers' compensation, and builders' risk insurance. Wrap-ups ensure competitive pricing, safety incentives, lower claims costs,…

  13. Insurance: A School District's Constant Concern

    ERIC Educational Resources Information Center

    Tanzman, Jack

    1973-01-01

    Examines answers to the questions most frequently asked about insurance by school boards and administrators. Discusses the kinds of insurance available and their uses, the outside use of schools, bus contracts, accident athletic insurance, special fire insurance, car insurance, and insurance for school board members. (AUTHOR/DN)

  14. 46 CFR 308.403 - Insured amounts.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... total amount of war risk insurance obtainable from companies authorized to do an insurance business in a... MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.403 Insured amounts. (a) Prelaunching period. The amount insured...

  15. 48 CFR 212.7002 - Pilot program.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 3 2010-10-01 2010-10-01 false Pilot program. 212.7002 Section 212.7002 Federal Acquisition Regulations System DEFENSE ACQUISITION REGULATIONS SYSTEM, DEPARTMENT OF DEFENSE ACQUISITION PLANNING ACQUISITION OF COMMERCIAL ITEMS Pilot Program for Transition...

  16. Consumer-choice health plan (first of two parts). Inflation and inequity in health care today: alternatives for cost control and an analysis of proposals for national health insurance.

    PubMed

    Enthoven, A C

    1978-03-23

    The financing system for medical costs in this country suffers from severe inflation and inequity. The tax-supported system of fee for service for doctors, third-party intermediaries and cost reimbursement for hospitals produces inflation by rewarding cost-increasing behavior and failing to provide incentives for economy. The system is inequitable because the government pays more on behalf of those who choose more costly systems of care, because tax benefits subsidize the health insurance of the well-to-do, while not helping many low-income people, and because employment health insurance does not guarantee continuity of coverage and is regressive in its financing. Analysis of previous proposals for national health insurance shows none to be capable of solving most of these problems. Direct economic regulation by government will not improve the situation. Cost controls through incentives and regulated competition in the private sector are most likely to be effective. PMID:415239

  17. Balance of plant for SOFC experiences with the planning, engineering, construction and testing of a 10 kW planar SOFC pilot plant

    SciTech Connect

    Klov, K.; Sundal, P.; Monsen, T.; Vik, A.

    1996-12-31

    The Statoil Solide Oxide Fuel Cell Research Program was started in January 1991. Some results from this Program were presented to the 1994 Fuel Cell Seminar in San Diego. The final technical milestone for the program was to design, engineer, construct and test a 10 kW pilot plant. From the very beginning, the importance of coordination and integration in the development of components, subsystems and systems, combined with basic research on cell and stack performance, were established as the guidelines for the program. In this way the progress towards the final goal was not a matter of making the best individual cell, the best stack or a superior balance of plant, but to build an efficient, reliable and operative pilot plant system, and thus make a further step towards a verification of commercial SOFC system technology.

  18. Finance issue brief: insurer liability: year end report-2003.

    PubMed

    MacEachern, Lillian

    2003-12-31

    When a health plan denies payment for a procedure on grounds that it is not medically necessary or when it refuses a physician-ordered referral to a specialist, has it crossed the line from making an insurance judgment to practicing medicine? If the patient suffers harm as a result of the decision, is the plan liable for medical malpractice? Those were questions 35 states considered in 1999, and at least 32 states are grappling with this year as they seek to respond to physician and patient pressure to curb the power of the managed care industry. Traditionally, health insurers have been protected by state laws banning "the corporate practice of medicine," which means the patient's only recourse is to sue under a "vicarious liability" theory. Now, however, lawmakers are debating legislation to extend the scope of malpractice liability beyond individual practitioners to insurance carriers and plans themselves. PMID:14964230

  19. Finance issue brief: insurer liability: year end report-2002.

    PubMed

    Morgan, Rachel; MacEachern, Lillian

    2002-12-31

    When a health plan denies payment for a procedure on grounds that it is not medically necessary or when it refuses a physician-ordered referral to a specialist, has it crossed the line from making an insurance judgment to practicing medicine? If the patient suffers harm as a result of the decision, is the plan liable for medical malpractice? Those were questions 35 states considered in 1999, and at least 32 states are grappling with this year as they seek to respond to physician and patient pressure to curb the power of the managed care industry. Traditionally, health insurers have been protected by state laws banning "the corporate practice of medicine," which means the patient's only recourse is to sue under a "vicarious liability" theory. Now, however, lawmakers are debating legislation to extend the scope of malpractice liability beyond individual practitioners to insurance carriers and plans themselves. PMID:12886933

  20. Aviation Centers Take Off as Airlines Face Pilot Shortfall.

    ERIC Educational Resources Information Center

    Mangan, Katherine S.

    2000-01-01

    Addresses aviation training requirements for pilots planning to fly for commercial airlines within or outside the United States. Describes two aviation training programs at Western Michigan University, a fast-track 13-month program and the traditional four-year program required for U.S. pilots. Notes that decreasing numbers of pilots trained in…

  1. Improving maternity care in the Dominican Republic: a pilot study of a community-based participatory research action plan by an international healthcare team.

    PubMed

    Foster, Jennifer; Gossett, Sarah; Burgos, Rosa; Cáceres, Ramona; Tejada, Carmen; Dominguez García, Luis; Ambrosio Rosario, Angel; Almonte, Asela; Perez, Lydia J

    2015-05-01

    This article is a report of the process and results of a feasibility pilot study to improve the quality of maternity care in a sample of 31 women and their newborns delivering in a public, tertiary hospital in the Dominican Republic. The pilot study was the first "action step" taken as a result of a formative, community-based participatory research (CBPR) study conducted between 2008 and 2010 by an interdisciplinary, international partnership of U.S. academic researchers, Dominican medical/nursing personnel, and Dominican community health workers. Health personnel and community health workers separately identified indicators most important to measure quality of antepartum maternity care: laboratory and diagnostic studies and respectful, interpersonal communication. At the midpoint and the completion of data collection, the CBPR team evaluated the change in quality indicators to assess improvement in care. The pilot study supports the idea that joint engagement of community health workers, health personnel, and academic researchers with data creation and patient monitoring is motivating for all to continue to improve services in the cultural context of the Dominican Republic. PMID:24793488

  2. The influence of supplementary health insurance on switching behaviour: evidence from Swiss data.

    PubMed

    Dormont, Brigitte; Geoffard, Pierre-Yves; Lamiraud, Karine

    2009-11-01

    This paper focuses on the switching behaviour of enrolees in the Swiss basic health insurance system. Even though the new Federal Law on Social Health Insurance (LAMal) was implemented in 1996 to promote competition among health insurers in basic insurance, there is limited evidence of premium convergence within cantons. This indicates that competition has not been effective so far, and reveals some inertia among consumers who seem reluctant to switch to less expensive funds. We investigate one possible barrier to switching behaviour, namely the influence of supplementary insurance. We use survey data on health plan choice (a sample of 1943 individuals whose switching behaviours were observed between 1997 and 2000) as well as administrative data relative to all insurance companies that operated in the 26 Swiss cantons between 1996 and 2005. The decision to switch and the decision to subscribe to a supplementary contract are jointly estimated.Our findings show that holding a supplementary insurance contract substantially decreases the propensity to switch. However, there is no negative impact of supplementary insurance on switching when the individual assesses his/her health as 'very good'. Our results give empirical support to one possible mechanism through which supplementary insurance might influence switching decisions: given that subscribing to basic and supplementary contracts with two different insurers may induce some administrative costs for the subscriber, holding supplementary insurance acts as a barrier to switch if customers who consider themselves 'bad risks' also believe that insurers reject applications for supplementary insurance on these grounds. In comparison with previous research, our main contribution is to offer a possible explanation for consumer inertia. Our analysis illustrates how consumer choice for one's basic health plan interacts with the decision to subscribe to supplementary insurance. PMID:19267356

  3. Preferences and choices for care and health insurance.

    PubMed

    van den Berg, Bernard; Van Dommelen, Paula; Stam, Piet; Laske-Aldershof, Trea; Buchmueller, Tom; Schut, Frederik T

    2008-06-01

    Legislation that came into effect in 2006 has dramatically altered the health insurance system in the Netherlands, placing greater emphasis on consumer choice and competition among insurers. The potential for such competition depends largely on consumer preferences for price and quality of service by insurers and quality of affiliated providers. This study provides initial evidence on the preferences of Dutch consumers and how they view trade-offs between various aspects of health insurance product design. A key feature of the analysis is that we compare the responses of high and low risk individuals, where risk is defined by the presence of a costly chronic condition. This contrast is critically important for understanding incentives facing insurers and for identifying potential unanticipated consequences of market competition. The results from our conjoint analysis suggest that not only high risk but also low risk individuals are willing to pay substantially more for insurance products that can be shown to provide better health outcomes. This suggests that insurance products that are more expensive and provide better quality of care may also attract low risk individuals. Therefore, development and dissemination of good, reliable and understandable health plan performance indicators may effectively reduce the problem of adverse selection. PMID:18400349

  4. Managed Care Plans: Getting Good Care for Your Child

    MedlinePlus

    ... AAP Find a Pediatrician Family Life Medical Home Health Insurance Pediatric Specialists Family Dynamics Media Work & Play Getting ... Your Community Healthy Children > Family Life > Medical Home > Health Insurance > Managed Care Plans: Getting Good Care for Your ...

  5. Setting a standard of affordability for health insurance coverage.

    PubMed

    Blumberg, Linda J; Holahan, John; Hadley, Jack; Nordahl, Katharine

    2007-01-01

    Recently, Massachusetts passed landmark legislation designed to expand health insurance coverage. This legislation includes a requirement that all adults enroll in a health insurance plan. This mandate takes effect only if an "affordable" plan is available. The definition of affordability for individuals and families of different incomes or circumstances is a critical decision in implementation and is relevant to any state or federal reform requiring individual premium or cost-sharing contributions, or both. This analysis was done to assist the policy design process in Massachusetts and delineates an empirically based approach to setting affordability standards. PMID:17548341

  6. Designing and regulating health insurance exchanges: lessons from Massachusetts.

    PubMed

    Ericson, Keith M Marzilli; Starc, Amanda

    The Massachusetts health care reform provides preliminary evidence on the function of health insurance exchanges and individual insurance markets. This paper describes the type of products consumers choose and the dynamics of consumer choice. Evidence shows that choice architecture, including product standardization and the use of heuristics (rules of thumb), affects choice. In addition, while consumers often choose less generous plans in the exchange than in traditional employer-sponsored insurance, there is considerable heterogeneity in consumer demand, as well as some evidence of adverse selection. We examine the role of imperfect competition between insurers, and document the impact of pricing and product regulation on the level and distribution of premiums. Given our extensive choice data, we synthesize the evidence of the Massachusetts exchange to inform the design and regulation on other exchanges. PMID:23469676

  7. The Pilot Training Study: Advanced Pilot Training.

    ERIC Educational Resources Information Center

    Kennedy, P. J.

    An overview is presented of advanced pilot training and of the formal advanced pilot training program that constitutes the primary means of providing this training. Section I deals with the various phases of advanced pilot training that a pilot may encounter during his career; Section II deals with the types of aircraft that require some form of…

  8. Health financing and insurance reform in Morocco.

    PubMed

    Ruger, Jennifer Prah; Kress, Daniel

    2007-01-01

    The government of Morocco approved two reforms in 2005 to expand health insurance coverage. The first is a payroll-based mandatory health insurance plan for public- and formal private-sector employees to extend coverage from the current 16 percent of the population to 30 percent. The second creates a publicly financed fund to cover services for the poor. Both reforms aim to improve access to high-quality care and reduce disparities in access and financing between income groups and between rural and urban dwellers. In this paper we analyze these reforms: the pre-reform debate, benefits covered, financing, administration, and oversight. We also examine prospects and future challenges for implementing the reforms. PMID:17630444

  9. 42 CFR 411.35 - Limitations on charges to a beneficiary or other party when a workers' compensation plan, a no...

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... party when a workers' compensation plan, a no-fault insurer, or an employer group health plan is primary... beneficiary or other party when a workers' compensation plan, a no-fault insurer, or an employer group health... when a workers' compensation plan, a no-fault insurer or an employer group health plan is primary...

  10. 42 CFR 411.35 - Limitations on charges to a beneficiary or other party when a workers' compensation plan, a no...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... party when a workers' compensation plan, a no-fault insurer, or an employer group health plan is primary... beneficiary or other party when a workers' compensation plan, a no-fault insurer, or an employer group health... when a workers' compensation plan, a no-fault insurer or an employer group health plan is primary...

  11. 42 CFR 411.35 - Limitations on charges to a beneficiary or other party when a workers' compensation plan, a no...

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... party when a workers' compensation plan, a no-fault insurer, or an employer group health plan is primary... beneficiary or other party when a workers' compensation plan, a no-fault insurer, or an employer group health... when a workers' compensation plan, a no-fault insurer or an employer group health plan is primary...

  12. 42 CFR 411.35 - Limitations on charges to a beneficiary or other party when a workers' compensation plan, a no...

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... party when a workers' compensation plan, a no-fault insurer, or an employer group health plan is primary... beneficiary or other party when a workers' compensation plan, a no-fault insurer, or an employer group health... when a workers' compensation plan, a no-fault insurer or an employer group health plan is primary...

  13. 42 CFR 411.35 - Limitations on charges to a beneficiary or other party when a workers' compensation plan, a no...

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... party when a workers' compensation plan, a no-fault insurer, or an employer group health plan is primary... beneficiary or other party when a workers' compensation plan, a no-fault insurer, or an employer group health... when a workers' compensation plan, a no-fault insurer or an employer group health plan is primary...

  14. Analysis on the Intention to Purchase Weather Index Insurance and Development Agenda

    NASA Astrophysics Data System (ADS)

    Park, K.; Jung, J.; Shin, J.; Kim, B.

    2013-12-01

    The purpose of this paper is to analyze how to revitalize weather insurance. Current state of weather insurance market is firstly described, and the necessity of insurance products and intention to purchase are analyzed based on the recognition survey regarding weather insurance focusing on the weather index insurance. The result of intention to purchase insurance products were examined with Ordered Logit Analysis (OLA), indicating that the amount of damages, the impacts of weather change, and experience of damage and loss have a positive relationship with the intention to purchase weather insurance. In addition, recognition of the amount of acceptable payment for insurance (i.e. willingness to pay) was analyzed for both the group who wants to purchase insurance (Group 1) and the group who does not want to (Group 2). The results demonstrate that Group 1 shows statistically higher significance than Group 2. Based on the results above with the increase in abnormal weather phenomena, we could predict that the amount of damages and losses will be rapidly increasing. The portion of weather insurance market is also expected to consistently develop and expand. This study could be a cornerstone for drawing a plan to revitalize weather insurance.

  15. Effects of alcohol on pilot performance in simulated flight

    NASA Technical Reports Server (NTRS)

    Billings, C. E.; Demosthenes, T.; White, T. R.; O'Hara, D. B.

    1991-01-01

    Ethyl alcohol's known ability to produce reliable decrements in pilot performance was used in a study designed to evaluate objective methods for assessing pilot performance. Four air carrier pilot volunteers were studied during eight simulated flights in a B727 simulator. Total errors increased linearly and significantly with increasing blood alcohol. Planning and performance errors, procedural errors and failures of vigilance each increased significantly in one or more pilots and in the group as a whole.

  16. Family planning in Papua New Guinea.

    PubMed

    Osborn, M

    1986-11-01

    The general situation of family planning in Papua New Guinea, several of the relevant traditional beliefs, and a pilot project of community based distribution and family planning education in a rural market town. There is no government policy on population, although community based distribution programs have been active in some areas for 10 years. Papua New Guinea has a crude birth rate of 44/1000, an average of 6 children per family, but has only begun to introduce primary health care. Consequently, the population is expected to double by 2015. The pilot program, in a market town called Maprik in East Sepik Province, targets 44,378 women from surrounding villages, of whom about 800 may be using contraception. A family planning nurse is training 20 members of a Women's Council. In a 4-day course, held in the Council House, community distribution workers discussed family planning, responsible parenthood, sex education, nutrition, environmental and population issues. Ancient taboos and social controls that used to space births are breaking down under the pressure of missionization and westernization. Intercourse is still prohibited during menstruation and breastfeeding. There are specific magic spells and rituals used to insure fertility or abortion: these examples were used to help women understand the concepts of modern family planning methods. The nurse encouraged feedback from the women, and only held one formal teaching session, on record-keeping. For the success of the program, field workers should work from within, and supervise adequately. This will be done with quarterly refresher courses and monthly follow-up in each village. PMID:3467242

  17. 5 CFR 870.906 - Cancellation of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Assignments of Life Insurance § 870...; the insured individual cannot cancel (or reduce) insurance after making an assignment. (b)...

  18. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS... percentage of the average outstanding principal obligation of the mortgage, without taking into...

  19. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS... percentage of the average outstanding principal obligation of the mortgage, without taking into...

  20. 32 CFR 196.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 2 2011-07-01 2011-07-01 false Health and insurance benefits and services. 196... Activities Prohibited § 196.440 Health and insurance benefits and services. Subject to § 196.235(d), in... planning services. However, any recipient that provides full coverage health service shall...

  1. 45 CFR 2555.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Health and insurance benefits and services. 2555... Activities Prohibited § 2555.440 Health and insurance benefits and services. Subject to § 2555.235(d), in... planning services. However, any recipient that provides full coverage health service shall...

  2. 32 CFR 196.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 2 2010-07-01 2010-07-01 false Health and insurance benefits and services. 196... Activities Prohibited § 196.440 Health and insurance benefits and services. Subject to § 196.235(d), in... planning services. However, any recipient that provides full coverage health service shall...

  3. 44 CFR 19.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 44 Emergency Management and Assistance 1 2011-10-01 2011-10-01 false Health and insurance benefits... Education Programs or Activities Prohibited § 19.440 Health and insurance benefits and services. Subject to..., including family planning services. However, any recipient that provides full coverage health service...

  4. 36 CFR 1211.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Health and insurance benefits... Activities Prohibited § 1211.440 Health and insurance benefits and services. Subject to § 1211.235(d), in... planning services. However, any recipient that provides full coverage health service shall...

  5. 10 CFR 5.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 10 Energy 1 2011-01-01 2011-01-01 false Health and insurance benefits and services. 5.440 Section... Education Programs or Activities Prohibited § 5.440 Health and insurance benefits and services. Subject to..., including family planning services. However, any recipient that provides full coverage health service...

  6. 45 CFR 2555.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 4 2011-10-01 2011-10-01 false Health and insurance benefits and services. 2555... Activities Prohibited § 2555.440 Health and insurance benefits and services. Subject to § 2555.235(d), in... planning services. However, any recipient that provides full coverage health service shall...

  7. 29 CFR 36.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Health and insurance benefits and services. 36.440 Section... Education Programs or Activities Prohibited § 36.440 Health and insurance benefits and services. Subject to..., including family planning services. However, any recipient that provides full coverage health service...

  8. 36 CFR 1211.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 36 Parks, Forests, and Public Property 3 2011-07-01 2011-07-01 false Health and insurance benefits... Activities Prohibited § 1211.440 Health and insurance benefits and services. Subject to § 1211.235(d), in... planning services. However, any recipient that provides full coverage health service shall...

  9. 44 CFR 19.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Health and insurance benefits... Education Programs or Activities Prohibited § 19.440 Health and insurance benefits and services. Subject to..., including family planning services. However, any recipient that provides full coverage health service...

  10. 10 CFR 5.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 1 2010-01-01 2010-01-01 false Health and insurance benefits and services. 5.440 Section... Education Programs or Activities Prohibited § 5.440 Health and insurance benefits and services. Subject to..., including family planning services. However, any recipient that provides full coverage health service...

  11. 29 CFR 2520.103-9 - Direct filing for bank or insurance carrier trusts and accounts.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 29 Labor 9 2012-07-01 2012-07-01 false Direct filing for bank or insurance carrier trusts and....103-9 Direct filing for bank or insurance carrier trusts and accounts. (a) General. Under the... report information about the current value of the plan's allocable portion of assets and liabilities...

  12. 29 CFR 2520.103-9 - Direct filing for bank or insurance carrier trusts and accounts.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 29 Labor 9 2014-07-01 2014-07-01 false Direct filing for bank or insurance carrier trusts and....103-9 Direct filing for bank or insurance carrier trusts and accounts. (a) General. Under the... report information about the current value of the plan's allocable portion of assets and liabilities...

  13. 29 CFR 2520.103-9 - Direct filing for bank or insurance carrier trusts and accounts.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 29 Labor 9 2011-07-01 2011-07-01 false Direct filing for bank or insurance carrier trusts and....103-9 Direct filing for bank or insurance carrier trusts and accounts. (a) General. Under the... report information about the current value of the plan's allocable portion of assets and liabilities...

  14. 29 CFR 2520.103-9 - Direct filing for bank or insurance carrier trusts and accounts.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 29 Labor 9 2013-07-01 2013-07-01 false Direct filing for bank or insurance carrier trusts and....103-9 Direct filing for bank or insurance carrier trusts and accounts. (a) General. Under the... report information about the current value of the plan's allocable portion of assets and liabilities...

  15. 29 CFR 2520.103-9 - Direct filing for bank or insurance carrier trusts and accounts.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Direct filing for bank or insurance carrier trusts and....103-9 Direct filing for bank or insurance carrier trusts and accounts. (a) General. Under the... report information about the current value of the plan's allocable portion of assets and liabilities...

  16. 45 CFR 618.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 45 Public Welfare 3 2013-10-01 2013-10-01 false Health and insurance benefits and services. 618.440 Section 618.440 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE..., hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a...

  17. 45 CFR 618.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 45 Public Welfare 3 2012-10-01 2012-10-01 false Health and insurance benefits and services. 618.440 Section 618.440 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE..., hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a...

  18. Does the Availability of Parental Health Insurance Affect the College Enrollment Decision of Young Americans?

    ERIC Educational Resources Information Center

    Jung, Juergen; Hall, Diane M. Harnek; Rhoads, Thomas

    2013-01-01

    The present study examines whether the college enrollment decision of young individuals (student full-time, student part-time, and non-student) depends on health insurance coverage via a parent's family health plan. Our findings indicate that the availability of parental health insurance can have significant effects on the probability that a young…

  19. A new dental insurance scheme--effects on the treatment provided and costs.

    PubMed

    Andås, Charlotte Andrén; Ostberg, Anna-Lena; Berggren, Pontus; Hakeberg, Magnus

    2014-01-01

    The aim of this study was to investigate whether the revenues cover the costs in a pilot capitation plan, a dental insurance scheme, and to compare this capitation plan (CP) with the original fee-for-service system (FFS), in terms of the amount and type of dental care provided. Data was collected longitudinally over a period of three years from 1,650 CP patients in five risk groups at a test clinic, and from 1,609 (from the test clinic) and 3,434 (from a matched control clinic) FFS patients, in Göteborg, Sweden. The care investigated was the number of total treatments provided and the number of examinations by dentists and dental hygienists, together with preventive, restorative and emergency treatments. The economic outcome was positive from the administrator's perspective, in all risk groups for the three-year period. The amount and type of care provided differed between the payment models, as CP patients received more preventive treatments, less restorative treatments, and more examinations by dental hygienists than the FFS patients. Emergency treatment was performed more often on CP patients, and the difference was due to a higher frequency of such treatments among women in the CP group. The difference between clinics concerning certain treatment measures was sometimes greater than the difference between payment models. The results from this study indicate a net positive economic outcome for the pilot CP system over three years. The payment model and the clinic affiliation had impact on what type and amount of dental care the patients received. This might suggest that the risk of skewed selection and its consequences as well as the influence of clinic-specific practice need further investigation, to ensure economic sustainability in a longer perspective. PMID:25102716

  20. Pilot Training Study.

    ERIC Educational Resources Information Center

    Mooz, William E.

    The purpose of the Pilot Training Study is to produce tools with which to analyze the pilot training process of the Air Force in terms of the resources required to train pilots and the cost of pilot training. These tools allow examination of the training courses themselves, and also of the policy factors which drive the need for pilots. The tools…

  1. HIAA's The Business of Insurance: An Introduction.

    ERIC Educational Resources Information Center

    Rosen, Anita; Lynch, Margaret E.

    This booklet is intended to help students gain a broad understanding of the meaning, characteristics, organization, products, and functions of the insurance industry. The following topics are discussed: the concept of and need for insurance; basic principles of insurance (risk assessment, insurability and insurable interest, determination of…

  2. 24 CFR 242.39 - Insurance endorsement.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance endorsement. 242.39... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Endorsement for Insurance § 242.39 Insurance endorsement....

  3. 24 CFR 242.39 - Insurance endorsement.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 242.39... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Endorsement for Insurance § 242.39 Insurance endorsement....

  4. 7 CFR 1788.3 - Flood insurance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Flood Insurance Program (see 44 CFR part 59 et seq.) provides for a standard flood insurance policy... 7 Agriculture 12 2013-01-01 2013-01-01 false Flood insurance. 1788.3 Section 1788.3 Agriculture... Insurance Requirements § 1788.3 Flood insurance. (a) Borrowers shall purchase and maintain flood...

  5. 7 CFR 1788.3 - Flood insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Flood Insurance Program (see 44 CFR part 59 et seq.) provides for a standard flood insurance policy... 7 Agriculture 12 2012-01-01 2012-01-01 false Flood insurance. 1788.3 Section 1788.3 Agriculture... Insurance Requirements § 1788.3 Flood insurance. (a) Borrowers shall purchase and maintain flood...

  6. 7 CFR 1788.3 - Flood insurance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Flood Insurance Program (see 44 CFR part 59 et seq.) provides for a standard flood insurance policy... 7 Agriculture 12 2014-01-01 2013-01-01 true Flood insurance. 1788.3 Section 1788.3 Agriculture... Insurance Requirements § 1788.3 Flood insurance. (a) Borrowers shall purchase and maintain flood...

  7. 7 CFR 1788.3 - Flood insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Flood Insurance Program (see 44 CFR part 59 et seq.) provides for a standard flood insurance policy... 7 Agriculture 12 2010-01-01 2010-01-01 false Flood insurance. 1788.3 Section 1788.3 Agriculture... Insurance Requirements § 1788.3 Flood insurance. (a) Borrowers shall purchase and maintain flood...

  8. The economics of health insurance.

    PubMed

    Jha, Saurabh; Baker, Tom

    2012-12-01

    Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act. PMID:23206642

  9. Perceptions and uptake of health insurance for maternal care in rural Kenya: a cross sectional study

    PubMed Central

    Maina, Jackson Michuki; Kithuka, Peter; Tororei, Samuel

    2016-01-01

    Introduction In Kenya, maternal and child health accounts for a large proportion of the expenditures made towards healthcare. It is estimated that one in every five Kenyans has some form of health insurance. Availability of health insurance may protect families from catastrophic spending on health. The study intended to determine the factors affecting the uptake of health insurance among pregnant women in a rural Kenyan district. Methods This was cross-sectional study that sampled 139 pregnant women attending the antenatal clinic at a level 5 hospital in a Kenyan district. The information was collected through a pretested interview schedule. Results The median age of the study participants was 28 years. Out of the 139 respondents, 86(62%) planned to pay for their deliveries through insurance. There was a significant relationship between insurance uptake and marital status Adjusted odds ratio (AOR) 6.4(1.4-28.8). Those with tertiary education were more likely to take up insurance AOR 5.1 (1.3-19.2). Knowing the benefits of insurance and the limits the insurance would settle in claims was associated with an increase in the uptake of insurance AOR 7.6(2.3-25.1), AOR 6.4(1.5-28.3) respectively. Monthly income and number of children did not affect insurance uptake. Results Being married, tertiary education and having some knowledge on how insurance premiums are paid are associated with uptake of medical insurance. Information generated from this study if utilized will bring a better understanding as to why insurance coverage may be low and may provide a basis for policy changes among the insurance companies to increase the uptake. PMID:27279952

  10. 76 FR 71624 - Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-18

    ... AFFAIRS Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance..., Government Life Insurance, VA Form 29-357. OMB Control Number: 2900-0016. Type of Review: Extension of a... disability insurance on National Service Life Insurance and United States Government Life Insurance...

  11. 42 CFR 457.50 - State plan.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 4 2010-10-01 2010-10-01 false State plan. 457.50 Section 457.50 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and...

  12. 42 CFR 457.50 - State plan.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 4 2013-10-01 2013-10-01 false State plan. 457.50 Section 457.50 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and...

  13. 42 CFR 457.50 - State plan.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 4 2012-10-01 2012-10-01 false State plan. 457.50 Section 457.50 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and...

  14. 42 CFR 457.50 - State plan.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 4 2014-10-01 2014-10-01 false State plan. 457.50 Section 457.50 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and...

  15. 42 CFR 457.50 - State plan.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 4 2011-10-01 2011-10-01 false State plan. 457.50 Section 457.50 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and...

  16. The National Insurance Academy: Serving India's Insurance Professionals and Researchers

    ERIC Educational Resources Information Center

    Sane, Bhagyashree

    2011-01-01

    This article discusses how a special library can meet the needs of a specific industry. The author focuses on India's National Insurance Academy (NIA) Library, which serves the insurance industry of India and some neighboring countries. It is where the author serves as the chief librarian.

  17. Insuring the Uninsured: Reducing the Barriers to Public Insurance

    ERIC Educational Resources Information Center

    Saunders, Cynthia M.

    2006-01-01

    Health insurance is one of the essential enabling resources to gain access to medical care and ultimately increase health status. Over 11 million or one quarter of the nation's uninsured individuals are eligible for Medicaid or the State Children's Health Insurance Program (SCHIP), but are not enrolled. Interviews with 368 individuals from 1999…

  18. Secretarial Administration: Project In/Vest: Insurance Simulation Insures Learning

    ERIC Educational Resources Information Center

    Geier, Charlene

    1978-01-01

    Describes a simulated model office to replicate various insurance occupations set up in Greenfield High School, Wisconsin. Local insurance agents and students from other disciplines, such as distributive education, are involved in the simulation. The training is applicable to other business office positions, as it models not only an insurance…

  19. Shortcomings in public and private insurance coverage of diabetes self-management education and support.

    PubMed

    Carpenter, Delesha M; Fisher, Edwin B; Greene, Sandra B

    2012-06-01

    The objective of this study is to present preliminary data to characterize public and private insurance coverage for diabetes self-management education (DSM Education) and diabetes self-management support (DSM Support). Representatives from Medicaid and 2 private insurance providers in 10 states provided coverage information for their insurance plans. Two states (the most populous state from the East and West coasts) were sampled purposively and 8 additional states from 4 geographic regions (northeast, southeast, northwest, southwest) were sampled at random. Representatives from each private insurer described both a premium and basic coverage plan. Thus, 10 Medicaid programs and 40 private insurance plans were represented. Information about Medicare coverage was accessed from publicly available documents. Restricted by physician certification of patient eligibility, Medicare coverage included 10 hours of DSM Education plus 3 hours of medical nutrition therapy (MNT) within a continuous 12-month period, and 4 hours of follow-up (2 hours DSM Education and 2 hours MNT) for each subsequent year. Only 22 of 40 sampled private insurance and 5 of 10 Medicaid plans covered DSM Education, which ranged from 7 to 20 hours of education per year. Medicaid and private plans often limited the amount of DSM Education or required patients to obtain a physician certification of eligibility. Other than on-demand access features, coverage of DSM Support was minimal. Public and private insurance coverage of DSM Education was neither widespread nor uniform, while coverage of DSM Support was scarce. PMID:22313442

  20. The "Land Unit and Soil Capability Map of Sardinia" at a 1:50,000 scale, a new tool for land use planning in Sardinia (Italy) - The pilot area of Pula-Capoterra (southwestern Sardinia)

    NASA Astrophysics Data System (ADS)

    Vacca, Andrea; Marrone, Vittorio Alessandro; Loddo, Stefano

    2014-05-01

    The Regional Landscape Plan (RLP) of Sardinia (Italy), approved in 2006, establishes the directions for any land use planning in Sardinia and requires that pre-existing plans have to be changed to comply with these directives. In the RLP, the soil is specifically considered one of the main landscape components and in the RLP guidelines a soil survey of the whole communal territory is required. Moreover, Land Unit and Land Capability maps are explicitly required, and the adoption of a single regional reference legend for these maps is strongly recommended. The Planning Department of the Regional Administration of Sardinia (RAS) has recently realized the need for specific knowledge and tools to support land use planning according to the RLP rules. Consequently, a new project for the creation of a "Land Unit and Soil Capability Map of Sardinia", at a scale of 1:50,000, was recently initiated in four pilot areas. Two Universities (Cagliari and Sassari) and two regional Agencies (AGRIS and LAORE) are involved in the project, each of them being responsible for one pilot area. In this work we present the map of the pilot area Pula-Capoterra (southwestern Sardinia, 46,040 ha). A GIS approach was used. We used the soil-landscape paradigm for the prediction of soil classes and their spatial distribution based on landscape features. The work was divided into two main phases. In the first phase, the available digital data on topography, geology and land cover were processed and classified according to their influence on weathering processes and soil properties. Digital thematic maps of soil-forming factors (landform, parent material, land cover) were produced to build the first draft of the Land Unit Map. The dataset was developed in a GIS environment, exploiting its potential to produce derived maps by intersections, reclassifications and summarizing themes using GIS functions. The existing soil data (areal and point data) were collected, reviewed, validated and standardized

  1. 77 FR 11191 - Insurance Cost Information Regulation

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-24

    ..., 58 FR 12545, NHTSA amended 49 CFR part 582, Insurance Cost Information Regulation, to require all... National Highway Traffic Safety Administration Insurance Cost Information Regulation AGENCY: National... insurance cost information booklet that all car dealers must make available to prospective...

  2. 78 FR 71726 - Comment Request; Insurance Survey

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-29

    ... AFFAIRS Comment Request; Insurance Survey AGENCY: Veterans Benefits Administration, Department of Veterans... this notice. This notice solicits comments on information needed to determine how well the Insurance... use of other forms of information technology. Title: Insurance Survey. OMB Control Number:...

  3. Consolidating the social health insurance schemes in China: towards an equitable and efficient health system.

    PubMed

    Meng, Qingyue; Fang, Hai; Liu, Xiaoyun; Yuan, Beibei; Xu, Jin

    2015-10-10

    Fragmentation in social health insurance schemes is an important factor for inequitable access to health care and financial protection for people covered by different health insurance schemes in China. To fulfil its commitment of universal health coverage by 2020, the Chinese Government needs to prioritise addressing this issue. After analysing the situation of fragmentation, this Review summarises efforts to consolidate health insurance schemes both in China and internationally. Rural migrants, elderly people, and those with non-communicable diseases in China will greatly benefit from consolidation of the existing health insurance schemes with extended funding pools, thereby narrowing the disparities among health insurance schemes in fund level and benefit package. Political commitments, institutional innovations, and a feasible implementation plan are the major elements needed for success in consolidation. Achievement of universal health coverage in China needs systemic strategies including consolidation of the social health insurance schemes. PMID:26466052

  4. The insurance perspective

    SciTech Connect

    Young, J.A.

    1994-12-31

    There is a need for every environmental remediation contractor as well as any contractor with potential environmentally damaging operations to carry pollution liability insurance protection. No matter how experienced and safety conscious a contractor may be, equipment failures, human error or simply the inability to be 100% certain about all site conditions may result in an unexpected loss. The financial impact of a loss such as this may have very serious immediate effects on the contractors income and ability to stay in business. A million dollar loss would effectively put a small to medium sized contractor out of business while a larger concern would certainly feel the effects in terms of cash flow, the ability to retain key personnel and in the attraction new clients. Additionally, the contractor, small or large, is thrust into a situation involving environmental litigation and claims handling, two areas in which he most likely has no experience or expertise. This presentation will address the role that pollution liability insurance plays in assuring the proper completion of a remediation project without these negative effects, especially when the project goes awry.

  5. Insurance/legal matters

    SciTech Connect

    Cameron, N.

    1995-12-31

    The Federal Environmental Protection Agency (EPA) is in the process of finalizing a rule for the requirement of an organized and written Risk Management Program at facilities which may possibly release toxic materials into the air, as mandated in the Clean Air act Amendments (CAAA) of 1990, Section 112(r), No. 7. This Rule is anticipated to be final between November 1994 and June 1995. EPA has estimated that approximately 140,000 facilities nationwide will need to comply with this rule. This discussion includes a description of the required program, the areas of overlap and addition to the previously enacted Occupational Safety and Health Administration (OSHA) Process Safety Management Standard (PSM), and an overall view of the potential liabilities faced by companies complying with this rule. The CAAA has instituted a process of self-incrimination into the legislation through self-reporting and monitoring requirements. In addition, EPA`s current stance of providing strict and maximum enforcement of environmental laws contributes to the need for careful legal and potential liability review of actions taken in the course of complying with the Risk Management Program Rule. Since the topic for discussion should revolve around insurance issues, the author concludes with a discussion on various insurance products and how the new rule may enhance interest in the products and create potholes in the coverages.

  6. A Self-Insured Health Program: From Crisis to Opportunity

    ERIC Educational Resources Information Center

    Steffes, Gary D.

    2008-01-01

    Moberly Area Community College faced a crisis in healthcare coverage that eventually lead to enhanced benefits, greater control, plan stability, and increased flexibility through a self-insured program. Presented here is how Moberly Area Community College overcame the health care coverage crisis and how other institutions can benefit from the…

  7. 14 CFR 205.4 - Filing of evidence of insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... commuter air carriers and air taxi operators, and OST Form 6411 for foreign air carriers, including Canadian air taxi operators. The Department may return the certificate or self-insurance plan to the... Headquarters, AAL-230, 222 West 7th Avenue, Box 14, Anchorage, Alaska 99513. For Canadian air taxis, the...

  8. Net Bidding District Insurance Coverage.

    ERIC Educational Resources Information Center

    Moyer, David H.; LeVan, Donald D.

    1983-01-01

    Changes in the insurance market combined with reduction in financial support make it an ideal time for educators to look at alternative approaches to purchasing insurance. The advantages and disadvantages of three approaches are analyzed. Net bidding is the most effective. (MD)

  9. The Insurance Educator. Volume V.

    ERIC Educational Resources Information Center

    Insurance Educator, 1996

    1996-01-01

    These two issues of a semiannual newsletter provide secondary educators with a greater knowledge of insurance, access to teaching materials, and insurance career information for students. Articles in the first issue are as follows: "Public Relations: Just What Do Those People Do?" (Patricia Hillis); "How U.S. Compares with Other Nations on Radar…

  10. Insuring Schools: Who Must Pay?

    ERIC Educational Resources Information Center

    Griffith, James L.

    1988-01-01

    Discusses the reasons potential claimants in asbestos-in-school cases believe losses and legal expenses are the obligations of insurance carriers. Describes some law suits and matters of concern to property owners, asbestos manufacturers, and those engaged in the construction of buildings, and property-casualty insurance companies. (RT)

  11. Insuring the Academic Library Collection.

    ERIC Educational Resources Information Center

    Cady, Susan A.

    1999-01-01

    Securing adequate insurance coverage is an important aspect of preserving library collections. Insurers determine rates, within an institution's limits of coverage, based on the library building's environment and the library's estimate of the collection's replacement cost. Methods of categorizing and projecting these costs are explored with…

  12. Private Pilot Ground School Course. Instructor's Guide.

    ERIC Educational Resources Information Center

    Schlenker, Richard M.

    This manual consists of 10 lesson plans for use by instructors teaching a private pilot ground school course. Addressed in the individual lesson plans are the following topics: aerodynamics and principles of flight, flight instruments and systems, operational publications, regulations, airplane operations, engine operations, radio communications,…

  13. 78 FR 67385 - 30-Day Notice of Proposed Information Collection: FHA PowerSaver Pilot Program (Title I Property...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-12

    ... URBAN DEVELOPMENT 30-Day Notice of Proposed Information Collection: FHA PowerSaver Pilot Program (Title I Property Improvement and Title II--203(k) Rehabilitation Mortgage Insurance) AGENCY: Office of the... Collection Title of Information Collection: FHA PowerSaver Pilot Program (Title I Property Improvement...

  14. 20 CFR 323.4 - Guidelines for content of a nongovernmental plan.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.4 Guidelines for content of a nongovernmental plan. At a minimum, a nongovernmental plan for unemployment or sickness... Benefit Plan or Supplemental Sickness Benefit Plan); (b) A statement of purpose, such as the...

  15. 20 CFR 323.4 - Guidelines for content of a nongovernmental plan.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.4 Guidelines for content of a nongovernmental plan. At a minimum, a nongovernmental plan for unemployment or sickness... Benefit Plan or Supplemental Sickness Benefit Plan); (b) A statement of purpose, such as the...

  16. 20 CFR 323.4 - Guidelines for content of a nongovernmental plan.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.4 Guidelines for content of a nongovernmental plan. At a minimum, a nongovernmental plan for unemployment or sickness... Benefit Plan or Supplemental Sickness Benefit Plan); (b) A statement of purpose, such as the...

  17. 20 CFR 323.4 - Guidelines for content of a nongovernmental plan.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.4 Guidelines for content of a nongovernmental plan. At a minimum, a nongovernmental plan for unemployment or sickness... Benefit Plan or Supplemental Sickness Benefit Plan); (b) A statement of purpose, such as the...

  18. 20 CFR 323.4 - Guidelines for content of a nongovernmental plan.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.4 Guidelines for content of a nongovernmental plan. At a minimum, a nongovernmental plan for unemployment or sickness... Benefit Plan or Supplemental Sickness Benefit Plan); (b) A statement of purpose, such as the...

  19. QUALITY SYSTEMS AND IMPLEMENTATION PLAN FOR A PILOT STUDY OF CHILDREN'S TOTAL EXPOSURE TO PERSISTENT PESTICIDES AND OTHER PERSISTENT ORGANIC PESTICIDES (CTEPP)

    EPA Science Inventory

    The Quality System Implementation Plan (QSIP) describes the quality assurance and quality control procedures developed for the CTEPP study. It provides the QA/QC procedures used in recruitment of subjects, sample field collection, sample extraction and analysis, data storage, and...

  20. Capable Reader Program: Lesson Plan Guide. Units B1; B2; B3; [and] B4. Pilot Year 1979-1980, Final Edition 1980-1981.

    ERIC Educational Resources Information Center

    Casper, Donna; And Others

    Part of a curriculum series for academically gifted elementary students in the area of reading, the four lesson plan guides each fucus on one of the following major objectives: (1) identifying the relationship between the major and minor premise and stating whether the conclusion is a fallacy in reasoning; (2) recognizing the pursuasive use of…

  1. Operational problems experienced by single pilots in instrument meteorological conditions

    NASA Technical Reports Server (NTRS)

    Weislogel, S.

    1981-01-01

    The development and implementation of a search strategy to extract pertinent reports from the Aviation Safety Reporting System-2 (ASRS-2) database are described. For any particular occurence to be pertinent to the study, it must have satisfied the following conditions: the aircraft must be of the type usually flown by a single pilot; operation on an IFR flight plan in instrument meteorological conditions; pilot experienced an operational problem. The occurances consist of reports by the pilot about his own performance, by the pilot about the system performance, or by an air traffic controller about a pilot's performance.

  2. 44 CFR 78.5 - Flood Mitigation Plan development.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 44 Emergency Management and Assistance 1 2012-10-01 2011-10-01 true Flood Mitigation Plan..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.5 Flood Mitigation Plan development. A Flood Mitigation Plan will articulate...

  3. 44 CFR 78.5 - Flood Mitigation Plan development.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 44 Emergency Management and Assistance 1 2014-10-01 2014-10-01 false Flood Mitigation Plan..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.5 Flood Mitigation Plan development. A Flood Mitigation Plan will articulate...

  4. 44 CFR 78.5 - Flood Mitigation Plan development.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 44 Emergency Management and Assistance 1 2013-10-01 2013-10-01 false Flood Mitigation Plan..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.5 Flood Mitigation Plan development. A Flood Mitigation Plan will articulate...

  5. Conducting pilot and feasibility studies.

    PubMed

    Cope, Diane G

    2015-03-01

    Planning a well-designed research study can be tedious and laborious work. However, this process is critical and ultimately can produce valid, reliable study findings. Designing a large-scale randomized, controlled trial (RCT)-the gold standard in quantitative research-can be even more challenging. Even the most well-planned study potentially can result in issues with research procedures and design, such as recruitment, retention, or methodology. One strategy that may facilitate sound study design is the completion of a pilot or feasibility study prior to the initiation of a larger-scale trial. This article will discuss pilot and feasibility studies, their advantages and disadvantages, and implications for oncology nursing research. 
. PMID:25806886

  6. Health insurance reform: labor versus health perspectives.

    PubMed

    Ammar, Walid; Awar, May

    2012-01-01

    The Ministry of Labor (MOL) has submitted to the Council of Ministers a social security reform plan. The Ministry of Public Health (MOPH) considers that health financing should be dealt with as part of a more comprehensive health reform plan that falls under its prerogatives. While a virulent political discussion is taking place, major stakeholders' inputs are very limited and civil society is totally put away from the whole policy making process. The role of the media is restricted to reproducing political disputes, without meaningful substantive debate. This paper discusses health insurance reform from labor market as well as public health perspectives, and aims at launching a serious public debate on this crucial issue that touches the life of every citizen. PMID:22645894

  7. Pilot model hypothesis testing

    NASA Technical Reports Server (NTRS)

    Broussard, J. R.; Berry, P. W.

    1982-01-01

    The aircraft control time history predicted by the optimal control pilot model and actual pilot tracking data obtained from NASA Langley's differential maneuvering simulator (DMS) are analyzed. The analysis is performed using a hypothesis testing scheme modified to allow for changes in the true hypothesis. A finite number of pilot models, each with different hypothesized internal model representations of the aircraft dynamics, are constructed. The hypothesis testing scheme determines the relative probability that each pilot model best matches the DMS data. By observing the changes in probabilities, it is possible to determine when the pilot changes control strategy and which hypothesized pilot model best represent's the pilot's control behavior.

  8. The Hoadley Commission (1932-34) and health insurance in Alberta.

    PubMed

    Lampard, Robert

    2009-01-01

    The role of Albertans in the evolution of health insurance in Canada, and particularly the Hoadley Commission, has been overlooked and assumed to be non-contributory. The Commission proposed for the first time that all citizens be insured, and the provincial government would pay for those who could not afford the premiums. The proposed plan was to be centrally administrated by a government-appointed commission. The Commission's principles were supported by the AMA/CPSA in 1932 and incorporated into the CMA's health insurance plan between 1934 and 1935. The proposal stimulated the first Blue Cross plan in Canada in Edmonton in 1934. It was supported by the Social Credit government, who in 1942 re-passed the UFA Health Insurance Act of 1935. The Act meshed perfectly with the federal Heagerty Advisory Committee proposal of 1943. PMID:20509547

  9. Camping & the Whirl of Insurance Cycles.

    ERIC Educational Resources Information Center

    Milgrim, Darrow

    1988-01-01

    Suggests possible responses for summer camp operators facing insurance rate increases and other insurance industry changes. Examines areas of risk in summer camping and suggests general ways that camps can become more desirable to the insurance industry as "insurable groups." (TES)

  10. 46 CFR 326.3 - Insured.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Insured. 326.3 Section 326.3 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION A-NATIONAL SHIPPING AUTHORITY MARINE PROTECTION AND INDEMNITY INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.3 Insured. The insureds are: The United States of...

  11. Trouble with Your Liability Insurance? Here's Why.

    ERIC Educational Resources Information Center

    AGB Reports, 1985

    1985-01-01

    The insurance industry is in trouble, which means problems for colleges and universities--especially in the area of liability insurance. Some strategies for higher education are discussed, including risk-management programs, self-insurance, catastrophic or excess insurance, and risk-management consortia. (MLW)

  12. The Insurance Educator. Volume VI. 1997.

    ERIC Educational Resources Information Center

    Insurance Educator, 1997

    1997-01-01

    This Insurance Education Foundation (IEF) newsletter provides secondary educators with a greater knowledge of insurance and access to teaching materials. It also provides students with insurance career information. The newsletter is intended for secondary educators who teach insurance in any subject. Substantive articles contained in this issue…

  13. 22 CFR 151.6 - Authorized insurer.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Authorized insurer. 151.6 Section 151.6 Foreign Relations DEPARTMENT OF STATE DIPLOMATIC PRIVILEGES AND IMMUNITIES COMPULSORY LIABILITY INSURANCE FOR DIPLOMATIC MISSIONS AND PERSONNEL § 151.6 Authorized insurer. The insurance must be issued by an...

  14. 22 CFR 151.6 - Authorized insurer.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Authorized insurer. 151.6 Section 151.6 Foreign Relations DEPARTMENT OF STATE DIPLOMATIC PRIVILEGES AND IMMUNITIES COMPULSORY LIABILITY INSURANCE FOR DIPLOMATIC MISSIONS AND PERSONNEL § 151.6 Authorized insurer. The insurance must be issued by an...

  15. 22 CFR 151.6 - Authorized insurer.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Authorized insurer. 151.6 Section 151.6 Foreign Relations DEPARTMENT OF STATE DIPLOMATIC PRIVILEGES AND IMMUNITIES COMPULSORY LIABILITY INSURANCE FOR DIPLOMATIC MISSIONS AND PERSONNEL § 151.6 Authorized insurer. The insurance must be issued by an...

  16. 22 CFR 151.6 - Authorized insurer.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 22 Foreign Relations 1 2012-04-01 2012-04-01 false Authorized insurer. 151.6 Section 151.6 Foreign Relations DEPARTMENT OF STATE DIPLOMATIC PRIVILEGES AND IMMUNITIES COMPULSORY LIABILITY INSURANCE FOR DIPLOMATIC MISSIONS AND PERSONNEL § 151.6 Authorized insurer. The insurance must be issued by an...

  17. 22 CFR 151.6 - Authorized insurer.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Authorized insurer. 151.6 Section 151.6 Foreign Relations DEPARTMENT OF STATE DIPLOMATIC PRIVILEGES AND IMMUNITIES COMPULSORY LIABILITY INSURANCE FOR DIPLOMATIC MISSIONS AND PERSONNEL § 151.6 Authorized insurer. The insurance must be issued by an...

  18. Insurance and Prevention: Why and How?

    ERIC Educational Resources Information Center

    Ungarelli, Donald L.

    1984-01-01

    Stressing importance of insurance coverage for the buildings and contents of libraries, this article covers insurance history, the modern insurance industry, examples of loss experiences, prevention and preparedness, risk management, appraisals and valuations of property, insurance options, and lack of recognition of protective and preventive…

  19. 24 CFR 2700.315 - Insurance premium.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 5 2012-04-01 2012-04-01 false Insurance premium. 2700.315 Section... HOMEOWNERS' LOAN PROGRAM Mortgage Insurance § 2700.315 Insurance premium. (a) At such times as may be prescribed by HUD, the participating lender shall pay to HUD a mortgage insurance premium equal to...

  20. 24 CFR 2700.315 - Insurance premium.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 5 2013-04-01 2013-04-01 false Insurance premium. 2700.315 Section... HOMEOWNERS' LOAN PROGRAM Mortgage Insurance § 2700.315 Insurance premium. (a) At such times as may be prescribed by HUD, the participating lender shall pay to HUD a mortgage insurance premium equal to...

  1. 24 CFR 2700.315 - Insurance premium.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 5 2014-04-01 2014-04-01 false Insurance premium. 2700.315 Section... HOMEOWNERS' LOAN PROGRAM Mortgage Insurance § 2700.315 Insurance premium. (a) At such times as may be prescribed by HUD, the participating lender shall pay to HUD a mortgage insurance premium equal to...

  2. 24 CFR 241.805 - Insurance premiums.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Insurance premiums. 241.805 Section... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium....

  3. 24 CFR 241.805 - Insurance premiums.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Insurance premiums. 241.805 Section... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium....

  4. 24 CFR 241.805 - Insurance premiums.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Insurance premiums. 241.805 Section... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium....

  5. 24 CFR 241.1245 - Insurance endorsement.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance endorsement. 241.1245... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SUPPLEMENTARY FINANCING FOR INSURED PROJECT MORTGAGES Insurance for Equity Loans and Acquisition...

  6. 24 CFR 241.805 - Insurance premiums.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance premiums. 241.805 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium....

  7. 12 CFR 741.212 - Share insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Share insurance. 741.212 Section 741.212 Banks... INSURANCE Regulations Codified Elsewhere in NCUA's Regulations as Applying to Federal Credit Unions That Also Apply to Federally Insured State-Chartered Credit Unions § 741.212 Share insurance. (a)...

  8. 12 CFR 741.216 - Flood insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Flood insurance. 741.216 Section 741.216 Banks... INSURANCE Regulations Codified Elsewhere in NCUA's Regulations as Applying to Federal Credit Unions That Also Apply to Federally Insured State-Chartered Credit Unions § 741.216 Flood insurance. Any...

  9. 7 CFR 735.104 - Insurance requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 7 2011-01-01 2011-01-01 false Insurance requirements. 735.104 Section 735.104... § 735.104 Insurance requirements. Each warehouse operator must comply fully with the terms of insurance... commit any acts, nor permit others to do anything, that might impair or invalidate such insurance....

  10. 24 CFR 206.15 - Insurance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance. 206.15 Section 206.15... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement § 206.15 Insurance. Mortgages originated under...

  11. 24 CFR 201.31 - Insurance charge.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance charge. 201.31 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Insurance of Loans § 201.31 Insurance charge....

  12. 38 CFR 36.4329 - Hazard insurance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2011-07-01 2011-07-01 false Hazard insurance. 36.4329... GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4329 Hazard insurance. The holder shall require insurance policies to be procured and maintained in an amount sufficient...

  13. 24 CFR 2700.315 - Insurance premium.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 5 2011-04-01 2011-04-01 false Insurance premium. 2700.315 Section...) EMERGENCY MORTGAGE INSURANCE AND LOAN PROGRAMS, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT EMERGENCY HOMEOWNERS' LOAN PROGRAM Mortgage Insurance § 2700.315 Insurance premium. (a) At such times as may...

  14. 34 CFR 682.505 - Insurance premium.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 4 2011-07-01 2011-07-01 false Insurance premium. 682.505 Section 682.505 Education... Loan Programs § 682.505 Insurance premium. (a) General. The Secretary charges the lender an insurance premium for each Federal GSL Program loan that is guaranteed, except that no insurance premium is...

  15. 46 CFR 308.502 - Additional insurance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 8 2011-10-01 2011-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance I-Introduction § 308.502 Additional insurance. The assured may place increased value...

  16. 7 CFR 1788.3 - Flood insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Flood Insurance Program (see 44 CFR part 59 et seq.) provides for a standard flood insurance policy... 7 Agriculture 12 2011-01-01 2011-01-01 false Flood insurance. 1788.3 Section 1788.3 Agriculture... (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS...

  17. 24 CFR 266.612 - Insurance endorsement.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance endorsement. 266.612... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Rights and Obligations Insurance Endorsement § 266.612 Insurance endorsement. (a) Initial...

  18. 24 CFR 201.31 - Insurance charge.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance charge. 201.31 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Insurance of Loans § 201.31 Insurance charge....

  19. 38 CFR 36.4329 - Hazard insurance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Hazard insurance. 36.4329... GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4329 Hazard insurance. The holder shall require insurance policies to be procured and maintained in an amount sufficient...

  20. 24 CFR 266.612 - Insurance endorsement.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 266.612... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Rights and Obligations Insurance Endorsement § 266.612 Insurance endorsement. (a) Initial...