Sample records for insurance programs transparency

  1. 76 FR 78741 - Medicare, Medicaid, Children's Health Insurance Programs; Transparency Reports and Reporting of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-19

    ... Vol. 76 Monday, No. 243 December 19, 2011 Part II Department of Health and Human Services Centers for Medicare & Medicaid Services 42 CFR Parts 402 and 403 Medicare, Medicaid, Children's Health...; [[Page 78742

  2. Impact of health care price transparency on price variation: the New Hampshire experience.

    PubMed

    Tu, Ha T; Lauer, Johanna R

    2009-11-01

    Price variation for medical procedures performed in both hospital outpatient departments and freestanding facilities has not decreased in New Hampshire since the state launched the HealthCost price transparency program in early 2007, according to new research jointly conducted by the New Hampshire Insurance Department and the Center for Studying Health System Change (HSC). New Hampshire stakeholders cited weak provider competition as the key reason for lack of impact. The state's hospital market is geographically segmented in rural areas and has few competitors even in urban areas. In addition, few consumers have strong incentives to shop based on price: Only 5 percent of the state's privately insured residents were enrolled in high-deductible plans in 2007. However, some observers suggested that HealthCost--along with other state price transparency initiatives--has helped to focus employer and policy maker attention on provider price differences and has caused some hospitals to moderate their demands for rate increases.

  3. 78 FR 9457 - Medicare, Medicaid, Children's Health Insurance Programs; Transparency Reports and Reporting of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-08

    ... applicable manufacturers of drugs, devices, biologicals, or medical supplies covered under title XVIII of the Act (Medicare) or a State plan under title XIX (Medicaid) or XXI of the Act (the Children's Health..., ``Conflict of Interest in Medical Research, Education and Practice.'' Given these recommendations and other...

  4. How Financial Incentives Induce Disability Insurance Recipients to Return to Work.

    PubMed

    Kostol, Andreas Ravndal; Mogstad, Magne

    2014-02-01

    Using a local randomized experiment that arises from a sharp discontinuity in Disability Insurance (DI) policy in Norway, we provide transparent and credible identification of how financial incentives induce DI recipients to return to work. We find that many DI recipients have considerable capacity to work that can be effectively induced by providing financial work incentives. We further show that providing work incentives to DI recipients may both increase their disposable income and reduce program costs. Our findings also suggest that targeted policies may be the most effective in encouraging DI recipients to return to work.

  5. Price transparency for MRIs increased use of less costly providers and triggered provider competition.

    PubMed

    Wu, Sze-jung; Sylwestrzak, Gosia; Shah, Christiane; DeVries, Andrea

    2014-08-01

    To encourage patients to select high-value providers, an insurer-initiated price transparency program that focused on elective advanced imaging procedures was implemented. Patients having at least one outpatient magnetic resonance imaging (MRI) scan in 2010 or 2012 were divided according to their membership in commercial health plans participating in the program (the intervention group) or in nonparticipating commercial health plans (the reference group) in similar US geographic regions. Patients in the intervention group were informed of price differences among available MRI facilities and given the option of selecting different providers. For those patients, the program resulted in a $220 cost reduction (18.7 percent) per test and a decrease in use of hospital-based facilities from 53 percent in 2010 to 45 percent in 2012. Price variation between hospital and nonhospital facilities for the intervention group was reduced by 30 percent after implementation. Nonparticipating members residing in intervention areas also observed price reductions, which indicates increased price competition among providers. The program significantly reduced imaging costs. This suggests that patients select lower-price facilities when informed about available alternatives. Project HOPE—The People-to-People Health Foundation, Inc.

  6. 45 CFR 156.220 - Transparency in coverage.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS HEALTH INSURANCE ISSUER STANDARDS UNDER THE AFFORDABLE CARE ACT, INCLUDING STANDARDS RELATED TO EXCHANGES Qualified Health Plan Minimum Certification Standards § 156.220 Transparency in coverage. (a) Required information...

  7. 45 CFR 156.220 - Transparency in coverage.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Public Welfare Department of Health and Human Services REQUIREMENTS RELATING TO HEALTH CARE ACCESS HEALTH INSURANCE ISSUER STANDARDS UNDER THE AFFORDABLE CARE ACT, INCLUDING STANDARDS RELATED TO EXCHANGES Qualified Health Plan Minimum Certification Standards § 156.220 Transparency in coverage. (a) Required information...

  8. 45 CFR 156.220 - Transparency in coverage.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES REQUIREMENTS RELATING TO HEALTH CARE ACCESS HEALTH INSURANCE ISSUER STANDARDS UNDER THE AFFORDABLE CARE ACT, INCLUDING STANDARDS RELATED TO EXCHANGES Qualified Health Plan Minimum Certification Standards § 156.220 Transparency in coverage. (a) Required information...

  9. Professional liability insurance and medical error disclosure.

    PubMed

    McLennan, Stuart; Shaw, David; Leu, Agnes; Elger, Bernice

    2015-01-01

    To examine medicolegal stakeholders' views about the impact of professional liability insurance in Switzerland on medical error disclosure. Purposive sample of 23 key medicolegal stakeholders in Switzerland from a range of fields between October 2012 and February 2013. Data were collected via individual, face-to-face interviews using a researcher-developed semi-structured interview guide. Interviews were transcribed and analysed using conventional content analysis. Participants, particularly those with a legal or quality background, reported that concerns relating to professional liability insurance often inhibited communication with patients after a medical error. Healthcare providers were reported to be particularly concerned about losing their liability insurance cover for apologising to harmed patients. It was reported that the attempt to limit the exchange of information and communication could lead to a conflict with patient rights law. Participants reported that hospitals could, and in some case are, moving towards self-insurance approaches, which could increase flexibility regarding error communication The reported current practice of at least some liability insurance companies in Switzerland of inhibiting communication with harmed patients after an error is concerning and requires further investigation. With a new ethic of transparency regarding medical errors now prevailing internationally, this approach is increasingly being perceived to be misguided. A move away from hospitals relying solely on liability insurance may allow greater transparency after errors. Legalisation preventing the loss of liability insurance coverage for apologising to harmed patients should also be considered.

  10. Offering A Price Transparency Tool Did Not Reduce Overall Spending Among California Public Employees And Retirees.

    PubMed

    Desai, Sunita; Hatfield, Laura A; Hicks, Andrew L; Sinaiko, Anna D; Chernew, Michael E; Cowling, David; Gautam, Santosh; Wu, Sze-Jung; Mehrotra, Ateev

    2017-08-01

    Insurers, employers, and states increasingly encourage price transparency so that patients can compare health care prices across providers. However, the evidence on whether price transparency tools encourage patients to receive lower-cost care and reduce overall spending remains limited and mixed. We examined the experience of a large insured population that was offered a price transparency tool, focusing on a set of "shoppable" services (lab tests, office visits, and advanced imaging services). Overall, offering the tool was not associated with lower shoppable services spending. Only 12 percent of employees who were offered the tool used it in the first fifteen months after it was introduced, and use of the tool was not associated with lower prices for lab tests or office visits. The average price paid for imaging services preceded by a price search was 14 percent lower than that paid for imaging services not preceded by a price search. However, only 1 percent of those who received advanced imaging conducted a price search. Simply offering a price transparency tool is not sufficient to meaningfully decrease health care prices or spending. Project HOPE—The People-to-People Health Foundation, Inc.

  11. Evaluating the Impact of Health Insurance Industry Consolidation: Learning from Experience.

    PubMed

    Dafny, Leemore S

    2015-11-01

    Research shows consolidation in the private health insurance industry leads to premium increases, even though insurers with larger local market shares generally obtain lower prices from health care providers. Additional research is needed to understand how to protect against harms and unlock benefits from scale. Data on enrollment, premiums, and costs of commercial health insurance--by insurer, plan, customer segment, and local market--would help us understand whether, when, and for whom consolidation is harmful or beneficial. Such transparency is common where there is a strong public interest and substantial public regulation, both of which characterize this vital sector.

  12. 78 FR 28222 - Agency Information Collection Activities: Proposed Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-14

    ... Insurance Rate Review and Pricing Transparency--Cycles I, II, and III; Use: Under the Section 1003 of the... the 2010 plan year, of unreasonable increases in premiums for health insurance coverage. Section 2794... health care pricing data to the public. The U.S. Department of Health and Human Services (HHS) released...

  13. Weather Indices for Designing Micro-Insurance Products for Small-Holder Farmers in the Tropics

    PubMed Central

    Díaz Nieto, Jacqueline; Fisher, Myles; Cook, Simon; Läderach, Peter; Lundy, Mark

    2012-01-01

    Agriculture is inherently risky. Drought is a particularly troublesome hazard that has a documented adverse impact on agricultural development. A long history of decision-support tools have been developed to try and help farmers or policy makers manage risk. We offer site-specific drought insurance methodology as a significant addition to this process. Drought insurance works by encapsulating the best available scientific estimate of drought probability and severity at a site within a single number- the insurance premium, which is offered by insurers to insurable parties in a transparent risk-sharing agreement. The proposed method is demonstrated in a case study for dry beans in Nicaragua. PMID:22737210

  14. Crowdsourcing healthcare costs: Opportunities and challenges for patient centered price transparency.

    PubMed

    Meisel, Zachary F; VonHoltz, Lauren A Houdek; Merchant, Raina M

    2016-03-01

    Efforts to improve health care price transparency have garnered significant attention from patients, policy makers, and health insurers. In response to increasing consumer demand, state governments, insurance plans, and health care providers are reporting health care prices. However, such data often do not provide consumers with the most salient information: their own actual out-of-pocket cost for medical care. Although untested, crowdsourcing, a mechanism for the public to help answer complex questions, represents a potential solution to the problem of opaque hospital costs. This article explores, the challenges and potential opportunities for crowdsourcing out-of-pocket costs for healthcare consumers. Copyright © 2015 Elsevier Inc. All rights reserved.

  15. Comparison of medicines management strategies in insurance schemes in middle-income countries: four case studies.

    PubMed

    Kaplan, Warren A; Ashigbie, Paul G; Brooks, Mohamad I; Wirtz, Veronika J

    2017-01-01

    Many middle-income countries are scaling up health insurance schemes to provide financial protection and access to affordable medicines to poor and uninsured populations. Although there is a wealth of evidence on how high income countries with mature insurance schemes manage cost-effective use of medicines, there is limited evidence on the strategies used in middle-income countries. This paper compares the medicines management strategies that four insurance schemes in middle-income countries use to improve access and cost-effective use of medicines among beneficiaries. We compare key strategies promoting cost-effective medicines use in the New Rural Cooperative Medical Scheme (NCMS) in China, National Health Insurance Scheme in Ghana, Jamkesmas in Indonesia and Seguro Popular in Mexico. Through the peer-reviewed and grey literature as of late 2013, we identified strategies that met our inclusion criteria as well as any evidence showing if, and/or how, these strategies affected medicines management. Stakeholders involved and affected by medicines coverage policies in these insurance schemes were asked to provide relevant documents describing the medicines related aspects of these insurance programs. We also asked them specifically to identify publications discussing the unintended consequences of the strategies implemented. Use of formularies, bulk procurement, standard treatment guidelines and separation of prescribing and dispensing were present in all four schemes. Also, increased transparency through publication of tender agreements and procurement prices was introduced in all four. Common strategies shared by three out of four schemes were medicine price negotiation or rebates, generic reference pricing, fixed salaries for prescribers, accredited preferred provider network, disease management programs, and monitoring of medicines purchases. Cost-sharing and payment for performance was rarely used. There was a lack of performance monitoring strategies in all schemes. Most of the strategies used in the insurance schemes focus on containing expenditure growth, including budget caps on pharmaceutical expenditures (Mexico) and ceiling prices on medicines (all four countries). There were few strategies targeting quality improvement as healthcare providers are mostly paid through fixed salaries, irrespective of the quality of their prescribing or the health outcomes actually achieved. Monitoring healthcare system performance has received little attention.

  16. The Impact of Price Transparency for Surgical Services.

    PubMed

    Mehta, Ambar; Xu, Tim; Bai, Ge; Hawley, Kristy L; Makary, Martin A

    2018-04-01

    Increasing insurance deductibles have prompted some medical centers to initiate transparent pricing. However, the impact of price transparency (PT) on surgical volume, revenue, and patient satisfaction is unknown, along with the barriers to achieving PT. We identified ambulatory surgical centers in the Free Market Medical Association database that publicly list prices for surgical services online. Six of eight centers (75%) responded to our data collection inquiry. Among five centers that reported their patient volume and revenue after adopting PT, patient volume increased by a median of 50 per cent (range 10-200%) at one year. Four centers (80%) reported an increase in revenue by a median of 30 per cent (range 4-75%), whereas three centers (60%) experienced an increase in third-party administrator contracts with the average increase being seven new third-party administrator contracts (range = 2-12 contracts). Three centers (50%) reported a reduction in their administrative burden and five centers (83%) reported an increase in patient satisfaction and patient engagement after PT. The leading barrier reported to making prices transparent was discouragement from another practice, hospital, or insurance company. The findings of this preliminary study may help guide medical practices in designing and implementing PT strategies.

  17. Potential determinants of deductible uptake in health insurance: How to increase uptake in The Netherlands?

    PubMed

    van Winssen, K P M; van Kleef, R C; van de Ven, W P M M

    2016-12-01

    In health insurance, voluntary deductibles are offered to the insured in return for a premium rebate. Previous research has shown that 11 % of the Dutch insured opted for a voluntary deductible (VD) in health insurance in 2014, while the highest VD level was financially profitable for almost 50 % of the population in retrospect. To explain this discrepancy, this paper identifies and discusses six potential determinants of the decision to opt for a VD from the behavioral economic literature: loss aversion, risk attitude, ambiguity aversion, debt aversion, omission bias, and liquidity constraints. Based on these determinants, five potential strategies are proposed to increase the number of insured opting for a VD. Presenting the VD as the default option and providing transparent information regarding the VD are the two most promising strategies. If, as a result of these strategies, more insured would opt for a VD, moral hazard would be reduced.

  18. Genetic testing when there is a mix of compulsory and voluntary health insurance.

    PubMed

    Hoel, Michael; Iversen, Tor

    2002-03-01

    When the insurer has access to information about test status, genetic insurance can handle the negative effects of genetic testing on insurance coverage and income distribution. Hence, efficient testing is promoted. When information about prevention and test status is private, two types of social inefficiencies may occur; genetic testing may not be done when it is socially efficient and genetic testing may be done although it is socially inefficient. The first type of inefficiency is shown to be likely for consumers with compulsory insurance only, while the second type of inefficiency is more likely for those who have supplemented the compulsory insurance with substantial voluntary insurance. This second type of inefficiency is more important the less effective prevention is. It is therefore a puzzle that many countries have imposed strict regulation on the genetic information insurers have access to. A reason may be that genetic insurance is not yet a political issue, and the advantage of shared genetic information is therefore not transparent.

  19. 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

  20. How to estimate the cost of point-of-care CD4 testing in program settings: an example using the Alere Pima Analyzer in South Africa.

    PubMed

    Larson, Bruce; Schnippel, Kathryn; Ndibongo, Buyiswa; Long, Lawrence; Fox, Matthew P; Rosen, Sydney

    2012-01-01

    Integrating POC CD4 testing technologies into HIV counseling and testing (HCT) programs may improve post-HIV testing linkage to care and treatment. As evaluations of these technologies in program settings continue, estimates of the costs of POC CD4 tests to the service provider will be needed and estimates have begun to be reported. Without a consistent and transparent methodology, estimates of the cost per CD4 test using POC technologies are likely to be difficult to compare and may lead to erroneous conclusions about costs and cost-effectiveness. This paper provides a step-by-step approach for estimating the cost per CD4 test from a provider's perspective. As an example, the approach is applied to one specific POC technology, the Pima Analyzer. The costing approach is illustrated with data from a mobile HCT program in Gauteng Province of South Africa. For this program, the cost per test in 2010 was estimated at $23.76 (material costs  = $8.70; labor cost per test  = $7.33; and equipment, insurance, and daily quality control  = $7.72). Labor and equipment costs can vary widely depending on how the program operates and the number of CD4 tests completed over time. Additional costs not included in the above analysis, for on-going training, supervision, and quality control, are likely to increase further the cost per test. The main contribution of this paper is to outline a methodology for estimating the costs of incorporating POC CD4 testing technologies into an HCT program. The details of the program setting matter significantly for the cost estimate, so that such details should be clearly documented to improve the consistency, transparency, and comparability of cost estimates.

  1. Crop Insurance Subsidy Transparency Act of 2012

    THOMAS, 112th Congress

    Rep. Speier, Jackie [D-CA-12

    2012-08-01

    House - 09/11/2012 Referred to the Subcommittee on General Farm Commodities and Risk Management. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  2. Federal Life Insurance Transparency Act

    THOMAS, 112th Congress

    Rep. Connolly, Gerald E. [D-VA-11

    2011-01-05

    House - 02/08/2011 Referred to the Subcommittee on Federal Workforce, U.S. Postal Service, and Labor Policy . (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  3. 78 FR 23247 - Policy Statement Concerning Assistance

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-04-18

    ... FARM CREDIT SYSTEM INSURANCE CORPORATION Policy Statement Concerning Assistance AGENCY: Farm... Concerning Assistance,'' which replaces the Corporation's existing ``Policy Statement Concerning Stand-Alone Assistance.'' The new policy statement provides additional transparency concerning the Corporation's...

  4. Transparency and Security in Mortgage Registration Act of 2011

    THOMAS, 112th Congress

    Rep. Kaptur, Marcy [D-OH-9

    2011-07-06

    House - 07/19/2011 Referred to the Subcommittee on Insurance, Housing and Community Opportunity. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  5. Insurance Competition and Transparency Act of 2010

    THOMAS, 111th Congress

    Sen. Pryor, Mark L. [D-AR

    2010-08-02

    Senate - 08/02/2010 Read twice and referred to the Committee on Commerce, Science, and Transportation. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  6. [Structured quality report of urologic clinics according to section 137 SGB V. Useful information for the patient, marketing tool of the hospitals, leverage wielded by the health insurance companies, or junk data?].

    PubMed

    Volkmer, B; Petschl, S; Härtel, M; Bopp, G; Herkommer, K; Gschwend, J

    2006-04-01

    In 2005, German hospitals were legally obliged to publish a structured quality report on their data of 2004 including the top 10 diagnosis-related groups, top 10 diagnoses, and top 10 procedures for every specialty. The aim was to increase the transparency for patients, doctors, and health insurance companies. Comparing the quality reports of 248 departments of urology revealed very uniform distributions of diagnoses and diagnosis-related groups. There was a large variety of top 10 procedures, resulting from different interpretations of the coding system, leading to diminished accuracy. The quality reports provide coding specialists with important data, but for patients and nonspecialized doctors, this system is not helpful in improving transparency.

  7. Historical account of the national health insurance formulation in Kenya: experiences from the past decade.

    PubMed

    Abuya, Timothy; Maina, Thomas; Chuma, Jane

    2015-02-12

    Many Low-and-Middle-Income countries are considering reviewing their health financing systems to meet the principles of Universal Health Coverage (UHC). One financing mechanism, which has dominated UHC reforms, is the development of health insurance schemes. We trace the historical development of the National Health Insurance (NHI) policy, illuminate stakeholders' perceptions on the design to inform future development of health financing policies in Kenya. We conducted a retrospective policy analysis of the development of a NHI policy in Kenya using data from document reviews and seven in depth interviews with key stakeholders involved in the NHI design. Analysis was conducted using a thematic framework. The design of a NHI scheme was marked by complex interaction of the actor's understanding of the design, proposed implementation strategies and the covert opposition of the reform due to several reasons. First, actor's perception of the cost of the NHI design and its implication to the economy generated opposition. This was due to inadequate communication strategies to articulate the policy, leading to a vacuum of factual information flow to various players. Secondly, perceived fear of implications of the changes among private sector players threatened support and success gained. Thirdly, underlying mistrust associated with perceived lack of government's commitment towards transparency and good governance affected active engagement of all key players dampening the spirit of collective bargain breeding opposition. Finally, some international actors perceived a clash of their role and that of international programs based on vertical approaches that were inherent in the health system. The thrust towards UHC using NHI schemes should not only focus on the design of a viable NHI package but should also involve stakeholder engagements, devise ways of improving the health care system, enhance transparency and develop adequate governance structures to institutions mandated to provide leadership in the reform process to overcome covert opposition.

  8. Income Eligibility Thresholds, Premium Contributions, and Children's Coverage Outcomes: A Study of CHIP Expansions

    PubMed Central

    Gresenz, Carole Roan; Edgington, Sarah E; Laugesen, Miriam J; Escarce, José J

    2013-01-01

    Objective To understand the effects of Children's Health Insurance Program (CHIP) income eligibility thresholds and premium contribution requirements on health insurance coverage outcomes among children. Data Sources 2002–2009 Annual Social and Economic Supplements of the Current Population Survey linked to data from multiple secondary data sources. Study Design We use a selection correction model to simultaneously estimate program eligibility and coverage outcomes conditional upon eligibility. We simulate the effects of three premium schedules representing a range of generosity levels and the effects of income eligibility thresholds ranging from 200 to 400 percent of the federal poverty line. Principal Findings Premium contribution requirements decrease enrollment in public coverage and increase enrollment in private coverage, with larger effects for greater contribution levels. Our simulation results suggest minimal changes in coverage outcomes from eligibility expansions to higher income families under premium schedules that require more than a modest contribution (medium or high schedules). Conclusions Our simulation results are useful counterpoints to previous research that has estimated the average effect of program expansions as they were implemented without disentangling the effects of premiums or other program features. The sensitivity to premiums observed suggests that although contribution requirements may be effective in reducing crowd-out, they also have the potential, depending on the level of contribution required, to nullify the effects of CHIP expansions entirely. The persistence of uninsurance among children under the range of simulated scenarios points to the importance of Affordable Care Act provisions designed to make the process of obtaining coverage transparent and navigable. PMID:23398477

  9. Income eligibility thresholds, premium contributions, and children's coverage outcomes: a study of CHIP expansions.

    PubMed

    Gresenz, Carole Roan; Edgington, Sarah E; Laugesen, Miriam J; Escarce, José J

    2013-04-01

    To understand the effects of Children's Health Insurance Program (CHIP) income eligibility thresholds and premium contribution requirements on health insurance coverage outcomes among children. 2002-2009 Annual Social and Economic Supplements of the Current Population Survey linked to data from multiple secondary data sources. We use a selection correction model to simultaneously estimate program eligibility and coverage outcomes conditional upon eligibility. We simulate the effects of three premium schedules representing a range of generosity levels and the effects of income eligibility thresholds ranging from 200 to 400 percent of the federal poverty line. Premium contribution requirements decrease enrollment in public coverage and increase enrollment in private coverage, with larger effects for greater contribution levels. Our simulation results suggest minimal changes in coverage outcomes from eligibility expansions to higher income families under premium schedules that require more than a modest contribution (medium or high schedules). Our simulation results are useful counterpoints to previous research that has estimated the average effect of program expansions as they were implemented without disentangling the effects of premiums or other program features. The sensitivity to premiums observed suggests that although contribution requirements may be effective in reducing crowd-out, they also have the potential, depending on the level of contribution required, to nullify the effects of CHIP expansions entirely. The persistence of uninsurance among children under the range of simulated scenarios points to the importance of Affordable Care Act provisions designed to make the process of obtaining coverage transparent and navigable. © Health Research and Educational Trust.

  10. Policy Options to Reduce Fragmentation in the Pooling of Health Insurance Funds in Iran

    PubMed Central

    Bazyar, Mohammad; Rashidian, Arash; Kane, Sumit; Vaez Mahdavi, Mohammad Reza; Akbari Sari, Ali; Doshmangir, Leila

    2016-01-01

    There are fragmentations in Iran’s health insurance system. Multiple health insurance funds exist, without adequate provisions for transfer or redistribution of cross subsidy among them. Multiple risk pools, including several private secondary insurance schemes, have resulted in a tiered health insurance system with inequitable benefit packages for different segments of the population. Also fragmentation might have contributed to inefficiency in the health insurance systems, a low financial protection against healthcare expenditures for the insured persons, high coinsurance rates, a notable rate of insurance coverage duplication, low contribution of well-funded institutes with generous benefit package to the public health insurance schemes, underfunding and severe financial shortages for the public funds, and a lack of transparency and reliable data and statistics for policy-making. We have conducted a policy analysis study, including qualitative interviews of key informants and document analysis. As a result we introduce three policy options: keeping the existing structural fragmentations of social health insurance (SHI)schemes but implementing a comprehensive "policy integration" strategy; consolidation of existing health insurance funds and creating a single national health insurance scheme; and reducing fragmentation by merging minor well-resourced funds together and creating two or three large insurance funds under the umbrella of the existing organizations. These policy options with their advantages and disadvantages are explained in the paper. PMID:27239868

  11. Policy Options to Reduce Fragmentation in the Pooling of Health Insurance Funds in Iran.

    PubMed

    Bazyar, Mohammad; Rashidian, Arash; Kane, Sumit; Vaez Mahdavi, Mohammad Reza; Akbari Sari, Ali; Doshmangir, Leila

    2016-02-11

    There are fragmentations in Iran's health insurance system. Multiple health insurance funds exist, without adequate provisions for transfer or redistribution of cross subsidy among them. Multiple risk pools, including several private secondary insurance schemes, have resulted in a tiered health insurance system with inequitable benefit packages for different segments of the population. Also fragmentation might have contributed to inefficiency in the health insurance systems, a low financial protection against healthcare expenditures for the insured persons, high coinsurance rates, a notable rate of insurance coverage duplication, low contribution of well-funded institutes with generous benefit package to the public health insurance schemes, underfunding and severe financial shortages for the public funds, and a lack of transparency and reliable data and statistics for policy-making. We have conducted a policy analysis study, including qualitative interviews of key informants and document analysis. As a result we introduce three policy options: keeping the existing structural fragmentations of social health insurance (SHI)schemes but implementing a comprehensive "policy integration" strategy; consolidation of existing health insurance funds and creating a single national health insurance scheme; and reducing fragmentation by merging minor well-resourced funds together and creating two or three large insurance funds under the umbrella of the existing organizations. These policy options with their advantages and disadvantages are explained in the paper. © 2016 by Kerman University of Medical Sciences.

  12. 75 FR 30106 - Terrorism Risk Insurance Program; Recordkeeping Requirements for Insurers Compensated Under the...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-28

    ... DEPARTMENT OF THE TREASURY Terrorism Risk Insurance Program; Recordkeeping Requirements for... Budget. The Terrorism Risk Insurance Program Office within the Department of the Treasury is soliciting... original and two copies) to: Terrorism Risk Insurance Program, Public Comment Record, Suite 2100...

  13. Money-back guarantees.

    PubMed

    Levens, Eric D; Richter, Kevin S; Levy, Michael J

    2013-05-01

    As fertility rates among women of advanced reproductive age have steadily increased, so has the utilization of fertility services. National health policies provide infertility treatment coverage in several developed countries; however, in the United States infertility treatment is largely privately funded, resulting in limited access to care. In response to the lack of insurance coverage, many practices offer fertility treatment on a risk-sharing or contingency fee basis. The ethical delivery of care under the auspices of these programs requires adherence to core principles including transparency, patient autonomy, and the delivery of appropriate medical care. Moreover, concerns regarding patient understanding and decision making have also been of foremost concern. Patients must be able to fully appreciate the financial and clinical implications of contingency fee programs. To further explore patient comprehension and satisfaction, we surveyed participants in our shared risk assisted reproductive technology program. The overwhelming majority of respondents felt adequately informed of and fairly charged for their treatment. Our results demonstrate that shared risk programs can receive strong endorsement from participants, which may lead to improved utilization of and perseverance with fertility treatment. Thieme Medical Publishers 333 Seventh Avenue, New York, NY 10001, USA.

  14. Analysis of strengths, weaknesses, opportunities, and threats in the development of a health technology assessment program in Turkey.

    PubMed

    Kahveci, Rabia; Meads, Catherine

    2008-01-01

    The Turkish healthcare system is currently undergoing reform, and efficient use of resources has become a key factor in determining the allocation of resources. The objective of this study was to analyze strengths, weaknesses, opportunities, and threats (SWOT) in the development of a health technology assessment (HTA) program in Turkey. A SWOT analysis was performed using a literature review and interviews with key people in the Turkish Ministry of Health and Ministry of Labor and Social Security. Regarding recent reforms in health care, investments for information network and databank are the strengths, but the traditional "expert-based" decision making, poor availability of data, and poor quality of data could be seen as some of the weaknesses. Another major weakness is lack of general awareness of HTA. Increasing demand for transparency in decision making, demand for evidence, and demand for credibility by decision makers are some of the opportunities, and current healthcare reforms, i.e., restructuring of healthcare and general health insurance, could also be seen as major opportunities. These opportunities unfortunately could be threatened by lack of funding, and resources are challenged by large, recent national investments. There is a good opportunity for Turkey to use the skills in HTA currently being developed through activities in Europe and the Americas to assist in the development of a much more cost-effective and transparent healthcare system in Turkey.

  15. 75 FR 58468 - Terrorism Risk Insurance Program; Program Loss Reporting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-24

    ... DEPARTMENT OF THE TREASURY Terrorism Risk Insurance Program; Program Loss Reporting AGENCY: Departmental Offices, Terrorism Risk Insurance Program Office, Treasury. ACTION: Notice and request for... 1995, Public Law 104-13 (44 U.S.C. 3506(c)(2)(A)). Currently, the Terrorism Risk Insurance Program...

  16. 75 FR 63480 - Medicaid Program: Implementation of Section 614 of the Children's Health Insurance Program...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-15

    ... Children's Health Insurance Program Reauthorization Act of 2009 for Adjustments to the Federal Medical... section 614 of the Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA), Public Law... Medicaid program and required by Section 614 of the Children's Health Insurance Program Reauthorization Act...

  17. Intervention mapping for the development of a strategy to implement the insurance medicine guidelines for depression

    PubMed Central

    2011-01-01

    Background This article describes the development of a strategy to implement the insurance medicine guidelines for depression. Use of the guidelines is intended to result in more transparent and uniform assessment of claimants with depressive symptoms. Methods The implementation strategy was developed using the Intervention Mapping (IM) method for alignment with insurance-medical practice. The ASE behavioural explanation model (Attitude, Social Influence and Self-Efficacy) was used as theoretical basis for the development work. A literature study of implementation strategies and interviews with insurance physicians were performed to develop instruments for use with the guideline. These instruments were designed to match the needs and the working circumstances of insurance physicians. Performance indicators to measure the quality of the assessment and the adherence to the guidelines were defined with input from insurance physicians. Results This study resulted in the development of a training course to teach insurance physicians how to apply the guidelines for depression, using the aforementioned instruments. The efficacy of this training course will be evaluated in a Randomized Controlled Trial. Conclusions The use of IM made it possible to develop guideline support instruments tailored to insurance medical practice. PMID:21208413

  18. 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.

  19. 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 decision making. PMID:26664402

  20. Confidence in public institutions: A focus group study on views on the Swedish Social Insurance Agency.

    PubMed

    Holmgren, K; Rosstorp, F; Rohdén, H

    2016-09-27

    From a public health perspective among the working population, it is very important that confidence in the welfare system is high, ensuring the citizens economic security and protecting them from economic stress when falling ill. The aim of this study was to explore how people with experience of health insurance perceive their confidence in the Swedish Social Insurance Agency (SSIA). Eight focus groups (n = 41) were conducted and each group met on one occasion. The participants described a systemic change in the work of the SSIA where the rule-of-law was disregarded, with arbitrary assessment, and no transparency. The reception by the SSIA shaped the image of the SSIA. The participants described vulnerability in relation to the SSIA. They felt mistrusted, which left a feeling of impotence that worsened their health. Experiencing vulnerability left a strong impression and affected the participants' confidence negatively. The following has to be acknowledged to prevent clients from experiencing impaired health, promote return-to-work possibilities, and to push public confidence in the institution in a more positive direction: Politicians and public administrators need to clarify the regulations. The decision-making process needs to be transparent and just. The entire procedure, including continuity as well as a personal, nice reception, has to be ensured.

  1. 42 CFR 431.636 - Coordination of Medicaid with the Children's Health Insurance Program (CHIP).

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Insurance Program (CHIP). 431.636 Section 431.636 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES...'s Health Insurance Program (CHIP). (a) Statutory basis. This section implements— (1) Section 2102(b... coordination between a State child health program and other public health insurance programs. (b) Obligations...

  2. 24 CFR 4001.203 - Calculation of upfront and annual mortgage insurance premiums for Program mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... mortgage insurance premiums for Program mortgages. 4001.203 Section 4001.203 Housing and Urban Development... HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Rights and Obligations Under the Contract of Insurance § 4001.203 Calculation of upfront and annual mortgage insurance premiums for Program mortgages. (a...

  3. 24 CFR 4001.203 - Calculation of upfront and annual mortgage insurance premiums for Program mortgages.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... mortgage insurance premiums for Program mortgages. 4001.203 Section 4001.203 Housing and Urban Development... HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Rights and Obligations Under the Contract of Insurance § 4001.203 Calculation of upfront and annual mortgage insurance premiums for Program mortgages. (a...

  4. 77 FR 71423 - Medicare, Medicaid, and Children's Health Insurance Programs; Provider Enrollment Application Fee...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-30

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Provider Enrollment Application Fee Amount... rule with comment period entitled: ``Medicare, Medicaid, and Children's Health Insurance Programs... entitled ``Medicare, Medicaid, and Children's Health Insurance Programs; Provider Enrollment Application...

  5. Health Sector Evolution Plan in Iran; Equity and Sustainability Concerns.

    PubMed

    Moradi-Lakeh, Maziar; Vosoogh-Moghaddam, Abbas

    2015-08-31

    In 2014, a series of reforms, called as the Health Sector Evolution Plan (HSEP), was launched in the health system of Iran in a stepwise process. HSEP was mainly based on the fifth 5-year health development national strategies (2011-2016). It included different interventions to: increase population coverage of basic health insurance, increase quality of care in the Ministry of Health and Medical Education (MoHME) affiliated hospitals, reduce out-of-pocket (OOP) payments for inpatient services, increase quality of primary healthcare, launch updated relative value units (RVUs) of clinical services, and update tariffs to more realistic values. The reforms resulted in extensive social reaction and different professional feedback. The official monitoring program shows general public satisfaction. However, there are some concerns for sustainability of the programs and equity of financing. Securing financial sources and fairness of the financial contribution to the new programs are the main concerns of policy-makers. Healthcare providers' concerns (as powerful and influential stakeholders) potentially threat the sustainability and efficiency of HSEP. Previous experiences on extending health insurance coverage show that they can lead to a regressive healthcare financing and threat financial equity. To secure financial sources and to increase fairness, the contributions of people to new interventions should be progressive by their income and wealth. A specific progressive tax would be the best source, however, since it is not immediately feasible, a stepwise increase in the progressivity of financing must be followed. Technical concerns of healthcare providers (such as nonplausible RVUs for specific procedures or nonefficient insurance-provider processes) should be addressed through proper revision(s) while nontechnical concerns (which are derived from conflicting interests) must be responded through clarification and providing transparent information. The requirements of HSEP and especially the key element of progressive tax should be considered properly in the coming sixth national development plan (2016-2021). © 2015 by Kerman University of Medical Sciences.

  6. Health Sector Evolution Plan in Iran; Equity and Sustainability Concerns

    PubMed Central

    Moradi-Lakeh, Maziar; Vosoogh-Moghaddam, Abbas

    2015-01-01

    In 2014, a series of reforms, called as the Health Sector Evolution Plan (HSEP), was launched in the health system of Iran in a stepwise process. HSEP was mainly based on the fifth 5-year health development national strategies (2011-2016). It included different interventions to: increase population coverage of basic health insurance, increase quality of care in the Ministry of Health and Medical Education (MoHME) affiliated hospitals, reduce out-of-pocket (OOP) payments for inpatient services, increase quality of primary healthcare, launch updated relative value units (RVUs) of clinical services, and update tariffs to more realistic values. The reforms resulted in extensive social reaction and different professional feedback. The official monitoring program shows general public satisfaction. However, there are some concerns for sustainability of the programs and equity of financing. Securing financial sources and fairness of the financial contribution to the new programs are the main concerns of policy-makers. Healthcare providers’ concerns (as powerful and influential stakeholders) potentially threat the sustainability and efficiency of HSEP. Previous experiences on extending health insurance coverage show that they can lead to a regressive healthcare financing and threat financial equity. To secure financial sources and to increase fairness, the contributions of people to new interventions should be progressive by their income and wealth. A specific progressive tax would be the best source, however, since it is not immediately feasible, a stepwise increase in the progressivity of financing must be followed. Technical concerns of healthcare providers (such as nonplausible RVUs for specific procedures or nonefficient insurance-provider processes) should be addressed through proper revision(s) while nontechnical concerns (which are derived from conflicting interests) must be responded through clarification and providing transparent information. The requirements of HSEP and especially the key element of progressive tax should be considered properly in the coming sixth national development plan (2016-2021). PMID:26673172

  7. 75 FR 42766 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-22

    ... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies... private insurance companies participating under the current FY2010 Arrangement. Any private insurance...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of...

  8. Disability Insurance and the Dynamics of the Incentive Insurance Trade-Off.

    PubMed

    Low, Hamish; Pistaferri, Luigi

    2018-10-01

    We provide a life-cycle framework for comparing insurance and disincentive effects of disability benefits. The risks that individuals face and the parameters of the Disability Insurance (DI ) program are estimated from consumption, health, disability insurance, and wage data. We characterize the effects of disability insurance and study how policy reforms impact behavior and welfare. DI features high rejection rates of disabled applicants and some acceptance of healthy applicants. Despite worse incentives, welfare increases as programs become less strict or generosity increases. Disability insurance interacts with welfare programs: making unconditional means-tested programs more generous improves disability insurance targeting and increases welfare.

  9. 3 CFR - State Children's Health Insurance Program

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 3 The President 1 2010-01-01 2010-01-01 false State Children's Health Insurance Program... Insurance Program Memorandum for the Secretary of Health and Human Services The State Children's Health Insurance Program (SCHIP) encourages States to provide health coverage for uninsured children in families...

  10. 76 FR 16422 - Medicare, Medicaid, and Children's Health Insurance Programs; Provider Enrollment Application Fee...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-23

    ... 0938-AQ99 Medicare, Medicaid, and Children's Health Insurance Programs; Provider Enrollment Application..., and Children's Health Insurance Programs; Additional Screening Requirements, Application Fees... application fees as part of the Medicare, Medicaid and Children's Health Insurance Program (CHIP) provider...

  11. 76 FR 67743 - Medicare, Medicaid, and Children's Health Insurance Programs; Provider Enrollment Application Fee...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-02

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Provider Enrollment Application Fee Amount... period entitled: ``Medicare, Medicaid, and Children's Health Insurance Programs; Additional Screening... application fees as part of the Medicare, Medicaid, and Children's Health Insurance Program (CHIP) provider...

  12. 42 CFR 457.618 - Ten percent limit on certain Children's Health Insurance Program expenditures.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Insurance Program expenditures. 457.618 Section 457.618 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS... Children's Health Insurance Program expenditures. (a) Expenditures. (1) Primary expenditures are...

  13. 32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Overseas Life Insurance Registration Program B... Part 50—Overseas Life Insurance Registration Program A. Registration Criteria 1. Initial Registration a. Insurers must demonstrate continuous successful operation in the life insurance business for a period of...

  14. 32 CFR Appendix B to Part 50 - Overseas Life Insurance Registration Program

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 1 2011-07-01 2011-07-01 false Overseas Life Insurance Registration Program B... Part 50—Overseas Life Insurance Registration Program A. Registration Criteria 1. Initial Registration a. Insurers must demonstrate continuous successful operation in the life insurance business for a period of...

  15. 75 FR 45563 - Terrorism Risk Insurance Program; Final Netting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-03

    ... DEPARTMENT OF THE TREASURY 31 CFR Part 50 RIN 1505-AC24 Terrorism Risk Insurance Program; Final... Title I of the Terrorism Risk Insurance Act of 2002 (``TRIA'' or ``the Act''), as amended by the Terrorism Risk Insurance Extension Act of 2005 (``Extension Act'') and the Terrorism Risk Insurance Program...

  16. 75 FR 30106 - Terrorism Risk Insurance Program; Litigation Management Submissions

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-28

    ... DEPARTMENT OF THE TREASURY Terrorism Risk Insurance Program; Litigation Management Submissions... U.S.C. 3506(c)(2)(A)). Currently, the Terrorism Risk Insurance Program Office is seeking comments... or by mail (if hard copy, preferably an original and two copies) to: Terrorism Risk Insurance Program...

  17. 78 FR 32126 - VA Dental Insurance Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-29

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 17 RIN 2900-AN99 VA Dental Insurance Program AGENCY... its regulations to establish rules and procedures for the VA Dental Insurance Program (VADIP), a pilot program that offers premium-based dental insurance to enrolled veterans and certain survivors and...

  18. 24 CFR 257.203 - Calculation of up-front and annual mortgage insurance premiums for H4H program mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...

  19. 24 CFR 257.203 - Calculation of up-front and annual mortgage insurance premiums for H4H program mortgages.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...

  20. 75 FR 6673 - Expert Meeting on Measurement Criteria for Children's Health Insurance Program; Reauthorization...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-02-10

    ... on Measurement Criteria for Children's Health Insurance Program; Reauthorization Act Pediatric... enacted in the Children's Health Insurance Program Reauthorization Act (CHIPRA). DATES: The meeting will...) reauthorized the Child Health Insurance Program (CHIP) originally established in 1997, and in Title IV of the...

  1. 76 FR 61365 - Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-04

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on Outreach and... strategies concerning Medicare, Medicaid, and the Children's Health Insurance Program (CHIP). This meeting is... Health Insurance Program (CHIP). Enhancing the Federal government's effectiveness in informing Medicare...

  2. 78 FR 32664 - Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-31

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on Outreach and... Medicare, Medicaid and the Children's Health Insurance Program (CHIP). This meeting is open to the public... Health Insurance Program (CHIP). Enhancing the federal government's effectiveness in informing Medicare...

  3. 78 FR 12327 - Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-22

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on Outreach and... Medicare, Medicaid, and the Children's Health Insurance Program (CHIP). This meeting is open to the public... Health Insurance Program (CHIP). Enhancing the federal governments effectiveness in informing Medicare...

  4. 75 FR 32182 - Medicaid Program: Proposed Implementation of Section 614 of the Children's Health Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-07

    ... of the Children's Health Insurance Program Reauthorization Act of 2009 for Adjustments to the Federal... subject to adjustment pursuant to section 614 of the Children's Health Insurance Program Reauthorization... assistance expenditures under the Children's Health Insurance Program under title XXI of the Social Security...

  5. 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

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Renewal, Expansion, and Renaming of the...'s Health Insurance Program (CHIP) about options for selecting health care coverage under these and... needs are for experts in health disparities, State Health Insurance Assistance Programs (SHIPs), health...

  6. 78 FR 62441 - VA Dental Insurance Program-Federalism

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-22

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 17 RIN 2900-AO85 VA Dental Insurance Program... Veterans Affairs (VA) is taking direct final action to amend its regulations related to the VA Dental Insurance Program (VADIP), a pilot program to offer premium-based dental insurance to enrolled veterans and...

  7. 78 FR 63143 - VA Dental Insurance Program-Federalism

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-23

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 17 RIN 2900-AO86 VA Dental Insurance Program... Affairs (VA) proposes to amend 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...

  8. 78 FR 53769 - Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-30

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on Outreach and..., Medicaid and the Children's Health Insurance Program (CHIP). This meeting is open to the public. DATES... Children's Health Insurance Program (CHIP). Enhancing the federal government's effectiveness in informing...

  9. 32 CFR 552.64 - Sound insurance underwriting and programing.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 3 2010-07-01 2010-07-01 true Sound insurance underwriting and programing. 552... Reservations § 552.64 Sound insurance underwriting and programing. The Department of the Army encourages the acquisition of a sound insurance program that is suitably underwritten to meet the varying needs of the...

  10. 32 CFR 552.64 - Sound insurance underwriting and programing.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 32 National Defense 3 2012-07-01 2009-07-01 true Sound insurance underwriting and programing. 552... Reservations § 552.64 Sound insurance underwriting and programing. The Department of the Army encourages the acquisition of a sound insurance program that is suitably underwritten to meet the varying needs of the...

  11. 32 CFR 552.64 - Sound insurance underwriting and programing.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 32 National Defense 3 2014-07-01 2014-07-01 false Sound insurance underwriting and programing. 552... Reservations § 552.64 Sound insurance underwriting and programing. The Department of the Army encourages the acquisition of a sound insurance program that is suitably underwritten to meet the varying needs of the...

  12. 32 CFR 552.64 - Sound insurance underwriting and programing.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 3 2013-07-01 2013-07-01 false Sound insurance underwriting and programing. 552... Reservations § 552.64 Sound insurance underwriting and programing. The Department of the Army encourages the acquisition of a sound insurance program that is suitably underwritten to meet the varying needs of the...

  13. 32 CFR 552.64 - Sound insurance underwriting and programing.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 3 2011-07-01 2009-07-01 true Sound insurance underwriting and programing. 552... Reservations § 552.64 Sound insurance underwriting and programing. The Department of the Army encourages the acquisition of a sound insurance program that is suitably underwritten to meet the varying needs of the...

  14. Health insurers promoting employee wellness: strategies, program components and results.

    PubMed

    Murphy, Brigid M; Schoenman, Julie A; Pirani, Hafiza

    2010-01-01

    To examine health insurance companies' role in employee wellness. Case studies of eight insurers. Wellness activities in work, clinical, online, and telephonic settings. Senior executives and wellness program leaders from Blue Cross Blue Shield health insurers and from one wellness organization. Telephone interviews with 20 informants. Health insurers were engaged in wellness as part of their mission to promote health and reduce health care costs. Program components included the following: education, health risk assessments, incentives, coaching, environmental consultation, targeted programming, onsite biometric screening, professional support, and full-time wellness staff. Programs relied almost exclusively on positive incentives to encourage participation. Results included participation rates as high as 90%, return on investment ranging from $1.09 to $1.65, and improved health outcomes. Health insurers have expertise in developing, implementing, and marketing health programs and have wide access to employers and their employees' health data. These capabilities make health insurers particularly well equipped to expand the reach of wellness programming to improve the health of many Americans. By coupling members' medical data with wellness-program data, health insurers can better understand an individual's health status to develop and deliver targeted interventions. Through program evaluation, health insurers can also contribute to the limited but growing evidence base on employee wellness programs.

  15. Multistate Health Plans: Agents for Competition or Consolidation?

    PubMed

    Moffit, Robert E; Meredith, Neil R

    2015-01-01

    We discuss and evaluate the Multi-State Plan (MSP) Program, a provision of the Affordable Care Act that has not been the subject of much debate as yet. The MSP Program provides the Office of Personnel Management with new authority to negotiate and implement multistate insurance plans on all health insurance exchanges within the United States. We raise the concern that the MSP Program may lead to further consolidation of the health insurance industry despite the program's stated goal of increasing competition by means of health insurance exchanges. The MSP Program arguably gives a competitive advantage to large insurers, which already dominate health insurance markets. We also contend that the MSP Program's failure to produce increased competition may motivate a new effort for a public health insurance option. © The Author(s) 2015.

  16. 77 FR 17073 - Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-23

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on Outreach and... Medicare, Medicaid, and the Children's Health Insurance Program (CHIP). This meeting is open to the public... eligible for, Medicare, Medicaid, and the Children's Health Insurance Program (CHIP). Enhancing the Federal...

  17. 78 FR 32661 - Medicare, Medicaid, and Children's Health Insurance Programs; Renewal of the Advisory Panel on...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-31

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Renewal of the Advisory Panel on Outreach and... Medicaid and the Children's Health Insurance Program (CHIP), and also expanded the availability of other... are eligible for Medicare, Medicaid, and the Children's Health Insurance Program (CHIP) about options...

  18. 77 FR 37681 - Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-22

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on Outreach and... Medicare, Medicaid, and the Children's Health Insurance Program (CHIP). This meeting is open to the public... eligible for, Medicare, Medicaid and the Children's Health Insurance Program (CHIP). Enhancing the Federal...

  19. 77 FR 40072 - Assessment of the Program for Enhanced Review Transparency and Communication for New Molecular...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-06

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-0603] Assessment of the Program for Enhanced Review Transparency and Communication for New Molecular Entity New... statement of work for an assessment of the Program for Enhanced Review Transparency and Communication for...

  20. 20 CFR 422.510 - Applications and related forms used in the health insurance for the aged program.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... health insurance for the aged program. 422.510 Section 422.510 Employees' Benefits SOCIAL SECURITY... forms used in the health insurance for the aged program. (a) Application forms. The following forms are prescribed for use in applying for entitlement to benefits under the health insurance for the aged program...

  1. 44 CFR 59.3 - Emergency program.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS... before it could become eligible for the sale of flood insurance. Since this requirement resulted in a... 1969 (Pub. L. 91-152, December 24, 1969), established an Emergency Flood Insurance Program as a new...

  2. 44 CFR 59.3 - Emergency program.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS... before it could become eligible for the sale of flood insurance. Since this requirement resulted in a... 1969 (Pub. L. 91-152, December 24, 1969), established an Emergency Flood Insurance Program as a new...

  3. 44 CFR 59.2 - Description of program.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS General § 59.2 Description of program. (a) The National Flood Insurance Act of 1968 was enacted by title... previously unavailable flood insurance protection to property owners in flood-prone areas. Mudslide (as...

  4. 44 CFR 59.2 - Description of program.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS General § 59.2 Description of program. (a) The National Flood Insurance Act of 1968 was enacted by title... previously unavailable flood insurance protection to property owners in flood-prone areas. Mudslide (as...

  5. 44 CFR 59.2 - Description of program.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS General § 59.2 Description of program. (a) The National Flood Insurance Act of 1968 was enacted by title... previously unavailable flood insurance protection to property owners in flood-prone areas. Mudslide (as...

  6. 44 CFR 59.3 - Emergency program.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS... before it could become eligible for the sale of flood insurance. Since this requirement resulted in a... 1969 (Pub. L. 91-152, December 24, 1969), established an Emergency Flood Insurance Program as a new...

  7. 44 CFR 59.2 - Description of program.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS General § 59.2 Description of program. (a) The National Flood Insurance Act of 1968 was enacted by title... previously unavailable flood insurance protection to property owners in flood-prone areas. Mudslide (as...

  8. 44 CFR 59.3 - Emergency program.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS... before it could become eligible for the sale of flood insurance. Since this requirement resulted in a... 1969 (Pub. L. 91-152, December 24, 1969), established an Emergency Flood Insurance Program as a new...

  9. 44 CFR 59.3 - Emergency program.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS... before it could become eligible for the sale of flood insurance. Since this requirement resulted in a... 1969 (Pub. L. 91-152, December 24, 1969), established an Emergency Flood Insurance Program as a new...

  10. Public policy and risk financing strategies for global catastrophe risk management - the role of global risk initiatives

    NASA Astrophysics Data System (ADS)

    McSharry, Patrick; Mitchell, Andrew; Anderson, Rebecca

    2010-05-01

    Decision-makers in both public and private organisations depend on accurate data and scientific understanding to adequately address climate change and the impact of extreme events. The financial impacts of catastrophes on populations and infrastructure can be offset through effective risk transfer mechanisms, structured to reflect the specific perils and levels of exposure to be covered. Optimal strategies depend on the likely socio-econonomic impact, the institutional framework, the overall objectives of the covers placed and the level of both the frequency and severity of loss potential expected. The diversity of approaches across different countries has been documented by the Spanish "Consorcio de Compensación de Seguros". We discuss why international public/private partnerships are necessary for addressing the risk of natural catastrophes. International initiatives such as the Global Earthquake Model (GEM) and the World Forum of Catastrophe Programmes (WFCP) can provide effective guidelines for constructing natural catastrophe schemes. The World Bank has been instrumental in the creation of many of the existing schemes such as the Turkish Catastrophe Insurance Pool, the Caribbean Catastrophe Risk Insurance Facility and the Mongolian Index-Based Livestock Insurance Program. We review existing schemes and report on best practice in relation to providing protection against natural catastrophe perils. The suitability of catastrophe modelling approaches to support schemes across the world are discussed and we identify opportunities to improve risk assessment for such schemes through transparent frameworks for quantifying, pricing, sharing and financing catastrophe risk on a local and global basis.

  11. 77 FR 32397 - Servicemembers' Group Life Insurance Traumatic Injury Protection Program-Genitourinary Losses

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-01

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO20 Servicemembers' Group Life Insurance... regulations governing the Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) program by... expanded the Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) program to add...

  12. 76 FR 40741 - Federal Housing Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-11

    ... Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs, Health Care Facilities and... mortgage insurance premiums (MIPs) for FHA Multifamily Housing, Health Care Facilities, and Hospital... implement any premium changes for FY 2011 for the multifamily mortgage insurance programs, health care...

  13. 31 CFR 1025.210 - Anti-money laundering programs for insurance companies.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... insurance companies. 1025.210 Section 1025.210 Money and Finance: Treasury Regulations Relating to Money and... COMPANIES Programs § 1025.210 Anti-money laundering programs for insurance companies. (a) In general. Not later than May 2, 2006, each insurance company shall develop and implement a written anti-money...

  14. 31 CFR 1025.210 - Anti-money laundering programs for insurance companies.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... insurance companies. 1025.210 Section 1025.210 Money and Finance: Treasury Regulations Relating to Money and... COMPANIES Programs § 1025.210 Anti-money laundering programs for insurance companies. (a) In general. Not later than May 2, 2006, each insurance company shall develop and implement a written anti-money...

  15. 31 CFR 1025.210 - Anti-money laundering programs for insurance companies.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... insurance companies. 1025.210 Section 1025.210 Money and Finance: Treasury Regulations Relating to Money and... COMPANIES Programs § 1025.210 Anti-money laundering programs for insurance companies. (a) In general. Not later than May 2, 2006, each insurance company shall develop and implement a written anti-money...

  16. 31 CFR 1025.210 - Anti-money laundering programs for insurance companies.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... insurance companies. 1025.210 Section 1025.210 Money and Finance: Treasury Regulations Relating to Money and... COMPANIES Programs § 1025.210 Anti-money laundering programs for insurance companies. (a) In general. Not later than May 2, 2006, each insurance company shall develop and implement a written anti-money...

  17. 75 FR 75469 - Priority Setting for the Children's Health Insurance Program Reauthorization Act (CHIPRA...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-03

    ... Setting for the Children's Health Insurance Program Reauthorization Act (CHIPRA) Pediatric Quality... comments. SUMMARY: Section 401(a) of the Children's Health Insurance Program Reauthorization Act of 2009... healthcare quality measures: ``(A) The duration of children's health insurance coverage over a 12-month time...

  18. 42 CFR 457.348 - Determinations of Children's Health Insurance Program eligibility by other insurance...

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... insurance affordability program. (b) Provision of CHIP for individuals found eligible for CHIP by another insurance affordability program. If a State accepts final determinations of CHIP eligibility made by another... electronic account containing the determination of CHIP eligibility; and (2) Comply with the provisions of...

  19. 42 CFR 457.348 - Determinations of Children's Health Insurance Program eligibility by other insurance...

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... insurance affordability program. (b) Provision of CHIP for individuals found eligible for CHIP by another insurance affordability program. If a State accepts final determinations of CHIP eligibility made by another... electronic account containing the determination of CHIP eligibility; and (2) Comply with the provisions of...

  20. 42 CFR 457.348 - Determinations of Children's Health Insurance Program eligibility by other insurance...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... insurance affordability program. (b) Provision of CHIP for individuals found eligible for CHIP by another insurance affordability program. If a State accepts final determinations of CHIP eligibility made by another... electronic account containing the determination of CHIP eligibility; and (2) Comply with the provisions of...

  1. 44 CFR 59.23 - Priorities for the sale of flood insurance under the regular program.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... flood insurance under the regular program. 59.23 Section 59.23 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS Eligibility Requirements § 59.23 Priorities for the...

  2. 44 CFR 59.23 - Priorities for the sale of flood insurance under the regular program.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... flood insurance under the regular program. 59.23 Section 59.23 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS Eligibility Requirements § 59.23 Priorities for the...

  3. 44 CFR 59.23 - Priorities for the sale of flood insurance under the regular program.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... flood insurance under the regular program. 59.23 Section 59.23 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS Eligibility Requirements § 59.23 Priorities for the...

  4. Isn't It Time to Turn Insurance Dollars Into Instructional Dollars?

    ERIC Educational Resources Information Center

    Brown, Richard, Jr.

    1976-01-01

    Discusses the financial advantages of insuring school property through nonprofit state insurance programs, rather than through commercial insurance companies. Summarizes experiences with existing state insurance programs in the states of South Carolina, North Dakota, Alabama, North Carolina, and Wisconsin. (JG)

  5. 75 FR 64173 - Notice of Proposed Rulemaking Implementing Certain Orderly Liquidation Authority Provisions of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-19

    ... Title II reflects the Dodd-Frank Act's mandate of transparency in the liquidation of failing systemic... in all other cases. This procedure is similar to that which is applied to systemic risk... payments will be enforced. Parties who are familiar with the liquidation of insured depository institutions...

  6. 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. © 2015 Society for Public Health Education.

  7. 76 FR 45281 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-28

    ... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies... materials and submission instructions, to all private insurance companies participating under the current FY2011 Arrangement. Any private insurance company not currently participating in the WYO Program but...

  8. Insurance and Risk Management at the National Outdoor Leadership School.

    ERIC Educational Resources Information Center

    Chu, Lantien

    1990-01-01

    Describes how an outdoor program specializing in wilderness expeditions approaches risk management, liability, and insurance. Discusses maintaining good communications with insurance agents, managing crisis situations, participating in program audits, reading the fine print, international insurance coverage, and the basis for insurance premiums.…

  9. 44 CFR 61.4 - Limitations on coverage.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.4 Limitations on coverage. All flood insurance made available under the Program is subject... and conditions of the Standard Flood Insurance Policy, which shall be promulgated by the Federal...

  10. 44 CFR 61.4 - Limitations on coverage.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.4 Limitations on coverage. All flood insurance made available under the Program is subject... and conditions of the Standard Flood Insurance Policy, which shall be promulgated by the Federal...

  11. 44 CFR 61.4 - Limitations on coverage.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.4 Limitations on coverage. All flood insurance made available under the Program is subject... and conditions of the Standard Flood Insurance Policy, which shall be promulgated by the Federal...

  12. 44 CFR 61.4 - Limitations on coverage.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.4 Limitations on coverage. All flood insurance made available under the Program is subject... and conditions of the Standard Flood Insurance Policy, which shall be promulgated by the Federal...

  13. 44 CFR 61.7 - Risk premium rate determinations.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... estimate the risk premium rates necessary to provide flood insurance in accordance with accepted actuarial... flood insurance made available under the Program. Such rates are referred to in this subchapter as...

  14. 44 CFR 61.4 - Limitations on coverage.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.4 Limitations on coverage. All flood insurance made available under the Program is subject... and conditions of the Standard Flood Insurance Policy, which shall be promulgated by the Federal...

  15. 44 CFR 61.7 - Risk premium rate determinations.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... estimate the risk premium rates necessary to provide flood insurance in accordance with accepted actuarial... flood insurance made available under the Program. Such rates are referred to in this subchapter as...

  16. 44 CFR 61.7 - Risk premium rate determinations.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... estimate the risk premium rates necessary to provide flood insurance in accordance with accepted actuarial... flood insurance made available under the Program. Such rates are referred to in this subchapter as...

  17. 44 CFR 61.7 - Risk premium rate determinations.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... estimate the risk premium rates necessary to provide flood insurance in accordance with accepted actuarial... flood insurance made available under the Program. Such rates are referred to in this subchapter as...

  18. A Longitudinal Investigation of Willingness to Pay for Health Insurance in Germany.

    PubMed

    Bock, Jens-Oliver; Hajek, André; Brenner, Hermann; Saum, Kai-Uwe; Matschinger, Herbert; Haefeli, Walter Emil; Schöttker, Ben; Quinzler, Renate; Heider, Dirk; König, Hans-Helmut

    2017-06-01

    To investigate factors affecting willingness to pay (WTP) for health insurance of older adults in a longitudinal setting in Germany. Survey data from a cohort study in Saarland, Germany, from 2008-2010 and 2011-2014 (n 1  = 3,124; n 2  = 2,761) were used. Panel data were taken at two points from an observational, prospective cohort study. WTP estimates were derived using a contingent valuation method with a payment card. Participants provided data on sociodemographics, lifestyle factors, morbidity, and health care utilization. Fixed effects regression models showed higher individual health care costs to increase WTP, which in particular could be found for members of private health insurance. Changes in income and morbidity did not affect WTP among members of social health insurance, whereas these predictors affected WTP among members of private health insurance. The fact that individual health care costs affected WTP positively might indicate that demanding (expensive) health care services raises the awareness of the benefits of health insurance. Thus, measures to increase WTP in old age should target at improving transparency of the value of health insurances at the moment when individual health care utilization and corresponding costs are still relatively low. © Health Research and Educational Trust.

  19. 12 CFR 208.25 - Loans in areas having special flood hazards.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Insurance Program. (7) NFIP means the National Flood Insurance Program authorized under the Act. (8...(b)); (iii) A statement, where applicable, that flood insurance coverage is available under the NFIP... participates in the National Flood Insurance Program (NFIP). Federal law will not allow us to make you the loan...

  20. 12 CFR 208.25 - Loans in areas having special flood hazards.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Insurance Program. (7) NFIP means the National Flood Insurance Program authorized under the Act. (8...(b)); (iii) A statement, where applicable, that flood insurance coverage is available under the NFIP... participates in the National Flood Insurance Program (NFIP). Federal law will not allow us to make you the loan...

  1. 12 CFR 208.25 - Loans in areas having special flood hazards.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Insurance Program. (7) NFIP means the National Flood Insurance Program authorized under the Act. (8...(b)); (iii) A statement, where applicable, that flood insurance coverage is available under the NFIP... participates in the National Flood Insurance Program (NFIP). Federal law will not allow us to make you the loan...

  2. 12 CFR 208.25 - Loans in areas having special flood hazards.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Insurance Program. (7) NFIP means the National Flood Insurance Program authorized under the Act. (8...(b)); (iii) A statement, where applicable, that flood insurance coverage is available under the NFIP... participates in the National Flood Insurance Program (NFIP). Federal law will not allow us to make you the loan...

  3. 78 FR 49724 - Notice To Reopen Comment Period for Federal Crop Insurance Program Delivery Cost Survey and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-15

    ... insurance program. Copies of the AIP interview scripts and survey questions may be obtained by contacting... Comment Period for Federal Crop Insurance Program Delivery Cost Survey and Interviews ACTION: Notice to reopen comment period to request comments on the script for interviews of Approved Insurance Providers...

  4. 77 FR 12517 - VA Dental Insurance Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-01

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 17 RIN 2900-AN99 VA Dental Insurance Program AGENCY... dental insurance to enrolled veterans and certain survivors and dependents of veterans. VA would contract with a private insurer through the Federal contracting process to offer dental insurance, and the...

  5. 76 FR 70510 - Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-14

    ... OFFICE OF PERSONNEL MANAGEMENT Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance (FEGLI) Premiums AGENCY: Office of Personnel Management. ACTION: Notice... [[Page 70511

  6. 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 charged...

  7. Using Medicaid/SCHIP to insure working families: the Massachusetts experience.

    PubMed

    Mitchell, Janet B; Osber, Deborah S

    2002-01-01

    Massachusetts was the first State to implement a premium subsidy program for employer-sponsored health insurance, using both Medicaid and State Children's Health Insurance Program (SCHIP) funding. The Insurance Partnership (IP) provides subsidies directly to small employers, and the Premium Assistance Program provides subsidies to their low-income employees. Approximately 3,500 small firms currently participate, most of them offering health insurance coverage for the first time. Approximately 10,000 adults and children are covered through the program, the majority of whom had been uninsured prior to enrolling. Massachusetts' successful experience with premium subsidies offers important lessons for other States wishing to implement similar programs.

  8. Feasibility Study for Establishing an Insurance Program for Harper College. Volume XIX, No. 7.

    ERIC Educational Resources Information Center

    Lucas, John A.; Normann, R. M.

    In 1990, a study was conducted at William Rainey Harper College (WRHC) to determine the feasibility of establishing an insurance program at the college and to assess local employment demand for insurance personnel. The survey instrument and a proposed curriculum for an associate degree program were mailed to 144 area insurance companies and…

  9. 2009 Annual Health Physics Report for the HEU Transparency Program

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Radev, R

    2010-04-14

    During the 2009 calendar year, Lawrence Livermore National Laboratory (LLNL) provided health physics support for the Highly Enriched Uranium (HEU) Transparency Program for external and internal radiation protection. LLNL also provided technical expertise related to BDMS radioactive sources and Russian radiation safety regulatory compliance. For the calendar year 2009, there were 159 person-trips that required dose monitoring of the U.S. monitors. Of the 159 person-trips, 149 person-trips were SMVs and 10 person-trips were Transparency Monitoring Office (TMO) trips. There were 4 monitoring visits by TMO monitors to facilities other than UEIE and 10 to UEIE itself. LLNL's Hazard Control Departmentmore » laboratories provided the dosimetry services for the HEU Transparency monitors. In 2009, the HEU Transparency activities in Russia were conducted in a radiologically safe manner for the HEU Transparency monitors in accordance with the expectations of the HEU Transparency staff, NNSA and DOE. The HEU Transparency Program now has over fifteen years of successful experience in developing and providing health and safety support in meeting its technical objectives.« less

  10. Working with an Insurance Market in Turmoil.

    ERIC Educational Resources Information Center

    Boggs, Ronald R.

    1985-01-01

    Outlines specific ways for schools to react to insurance premium increases and new coverage restrictions. Suggests such options as buying less insurance, considering larger retentions,and starting pooling programs, and discusses other non-traditional approaches to conventional insurance programs. (MD)

  11. 77 FR 5027 - Food and Drug Administration Transparency Initiative: Exploratory Program To Increase Access to...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-01

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2009-N-0247] Food and Drug Administration Transparency Initiative: Exploratory Program To Increase Access to the... responsible for a broad range of compliance and enforcement activities. Increasing the transparency of these...

  12. Study of the Insurance Premium Charged to Borrowers under the Guaranteed Student Loan Program. Report No. 3.

    ERIC Educational Resources Information Center

    Touche Ross and Co., Washington, DC.

    Insurance premiums being charged to borrowers under the Guaranteed Student Loan (GSL) program were studied to determine if the rate exceeded the rate necessary to protect the reserves of the insurer. Attention was directed to whether historical changes in the GSL program have affected insurance premiums. Guaranty agency's sources and uses of funds…

  13. Employment transitions and continuity of health insurance: implications for premium assistance programs.

    PubMed

    Marquis, M Susan; Kapur, Kanika

    2003-01-01

    We use data from two nationwide panel surveys to explore whether premium assistance programs can provide stable insurance for low-income children. We estimate that low-income children who are newly enrolled in an employer-group plan would keep that coverage longer than similar children keep newly acquired public insurance. We conclude that group coverage could provide a source of insurance for eligible low-income children that is more stable than public insurance. However, only one-third of low-income uninsured children have access to group insurance, and most low-income children with access to a group plan are enrolled in it. Thus, premium assistance programs are difficult to target effectively, and other programs are necessary to reach the majority of uninsured children.

  14. Health insurance affects the use of disease-modifying therapy in multiple sclerosis

    PubMed Central

    Marrie, Ruth Ann; Salter, Amber R.; Fox, Robert; Cofield, Stacey S.; Tyry, Tuula; Cutter, Gary R.

    2016-01-01

    Objective: To evaluate the association between health insurance coverage and disease-modifying therapy (DMT) use for multiple sclerosis (MS). Methods: In 2014, we surveyed participants in the North American Research Committee on MS registry regarding health insurance coverage. We investigated associations between negative insurance change and (1) the type of insurance, (2) DMT use, (3) use of free/discounted drug programs, and (4) insurance challenges using multivariable logistic regressions. Results: Of 6,662 respondents included in the analysis, 6,562 (98.5%) had health insurance, but 1,472 (22.1%) reported negative insurance change compared with 12 months earlier. Respondents with private insurance were more likely to report negative insurance change than any other insurance. Among respondents not taking DMTs, 6.1% cited insurance/financial concerns as the sole reason. Of respondents taking DMTs, 24.7% partially or completely relied on support from free/discounted drug programs. Of respondents obtaining DMTs through insurance, 3.3% experienced initial insurance denial of DMT use, 2.3% encountered insurance denial of DMT switches, and 1.6% skipped or split doses because of increased copay. For respondents with relapsing-remitting MS, negative insurance change increased their odds of not taking DMTs (odds ratio [OR] 1.50; 1.16–1.93), using free/discounted drug programs for DMTs (OR 1.89; 1.40–2.57), and encountering insurance challenges (OR 2.48; 1.64–3.76). Conclusions: Insurance coverage affects DMT use for persons with MS, and use of free/discounted drug programs is substantial and makes economic analysis that ignores these supplements potentially inaccurate. The rising costs of drugs and changing insurance coverage adversely affect access to treatment for persons with MS. PMID:27358338

  15. 76 FR 46684 - Medicaid and Children's Health Insurance Programs; Disallowance of Claims for FFP and Technical...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-03

    ..., 433, 447, and 457 [CMS-2292-P] RIN 0938-AQ32 Medicaid and Children's Health Insurance Programs... Children's Health Insurance Program (CHIP) disallowance process to allow States the option to retain... [[Page 46685

  16. 44 CFR 78.1 - Purpose.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.1 Purpose... of the Flood Mitigation Assistance (FMA) program, authorized by Sections 1366 and 1367 of the... eliminate claims under the National Flood Insurance Program (NFIP) through mitigation activities. The...

  17. 44 CFR 78.1 - Purpose.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.1 Purpose... of the Flood Mitigation Assistance (FMA) program, authorized by Sections 1366 and 1367 of the... eliminate claims under the National Flood Insurance Program (NFIP) through mitigation activities. The...

  18. 44 CFR 78.1 - Purpose.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.1 Purpose... of the Flood Mitigation Assistance (FMA) program, authorized by Sections 1366 and 1367 of the... eliminate claims under the National Flood Insurance Program (NFIP) through mitigation activities. The...

  19. 44 CFR 78.1 - Purpose.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.1 Purpose... of the Flood Mitigation Assistance (FMA) program, authorized by Sections 1366 and 1367 of the... eliminate claims under the National Flood Insurance Program (NFIP) through mitigation activities. The...

  20. 75 FR 44971 - Medicaid Program; Request for Comments on Legislative Changes To Provide Quality of Care to Children

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-30

    ... Health Insurance Program, including recommendations for quality reporting by the States. The Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA) requires the Secretary of Health and Human... provided to children under Medicaid and the Children's Health Insurance Program. DATES: Comment Date: To be...

  1. 75 FR 16149 - Medicaid and CHIP Programs; Meeting of the CHIP Working Group-April 26, 2010

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-31

    ... Health Insurance Program (``CHIP''), and Employer-Sponsored Coverage Coordination Working Group (referred... under section 311(b)(1)(C) of the Children's Health Insurance Program Reauthorization Act of 2009. This... Secretary of Labor are required under section 311(b)(1)(C) of the Children's Health Insurance Program...

  2. 76 FR 37120 - Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-24

    ...] Medicare, Medicaid, and Children's Health Insurance Programs; Meeting of the Advisory Panel on Outreach and... the Medicare, Medicaid, and Children's Health Insurance (CHIP) programs. This meeting is open to the... outreach programs for individuals enrolled in, or eligible for, Medicare, Medicaid, and the Children's...

  3. 78 FR 72089 - Medicare, Medicaid, and Children's Health Insurance Programs; Provider Enrollment Application Fee...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-02

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Centers for Medicare & Medicaid Services [CMS-6051-N] Medicare, Medicaid, and Children's Health Insurance Programs; Provider Enrollment Application Fee Amount... period entitled ``Medicare, Medicaid, and Children's Health Insurance Programs; Additional Screening...

  4. 44 CFR 79.1 - Purpose.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS § 79.1 Purpose. (a... the hazard mitigation grant programs made available under the National Flood Insurance Act of 1968, as... Repetitive Loss (SRL) and Flood Mitigation Assistance (FMA) grant programs mitigate losses from floods...

  5. 44 CFR 79.1 - Purpose.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS § 79.1 Purpose. (a... the hazard mitigation grant programs made available under the National Flood Insurance Act of 1968, as... Repetitive Loss (SRL) and Flood Mitigation Assistance (FMA) grant programs mitigate losses from floods...

  6. 44 CFR 79.1 - Purpose.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS § 79.1 Purpose. (a... the hazard mitigation grant programs made available under the National Flood Insurance Act of 1968, as... Repetitive Loss (SRL) and Flood Mitigation Assistance (FMA) grant programs mitigate losses from floods...

  7. 44 CFR 79.1 - Purpose.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS § 79.1 Purpose. (a... the hazard mitigation grant programs made available under the National Flood Insurance Act of 1968, as... Repetitive Loss (SRL) and Flood Mitigation Assistance (FMA) grant programs mitigate losses from floods...

  8. 76 FR 29012 - Agency Information Collection Activities; Submission for OMB Review; Comment Request...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-05-19

    ... for OMB Review; Comment Request; Unemployment Insurance Data Validation Program ACTION: Notice...) sponsored information collection request (ICR) titled, ``Unemployment Insurance Data Validation Program... INFORMATION: The Unemployment Insurance Data Validation Program requires States to operate a system for...

  9. 76 FR 62410 - Agency Information Collection Activities: Proposed Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-07

    ... proposed information collection project: ``Evaluation of the Children's Health Insurance Program... Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA) Quality Demonstration Grant... under subsection (d) of Sec. 401(a) of the Children's Health Insurance Program Reauthorization Act of...

  10. 76 FR 75458 - Servicemembers' Group Life Insurance Traumatic Injury Protection Program-Genitourinary Losses

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-02

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO20 Servicemembers' Group Life Insurance... that amends the regulations governing the Servicemembers' Group Life Insurance Traumatic Injury...-AO20--Servicemembers' Group Life Insurance Traumatic Injury Protection Program--Genitourinary Losses...

  11. 24 CFR 1006.330 - Insurance coverage.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Insurance coverage. 1006.330... DEVELOPMENT NATIVE HAWAIIAN HOUSING BLOCK GRANT PROGRAM Program Requirements § 1006.330 Insurance coverage. (a) In general. As a condition to receiving NHHBG funds, the DHHL must require adequate insurance...

  12. Retirement and Health Insurance: Finding New Solutions to the Benefits Puzzle.

    ERIC Educational Resources Information Center

    Stanley, Ron

    1993-01-01

    Presents guidelines for colleges on selecting employee health insurance carriers and retirement investment programs. Reviews types of insurance programs, presenting examples from several states. Discusses mechanisms for reducing insurance premiums, including claim reduction, self-funding, mail-order pharmaceuticals, and forming consortia with…

  13. The relationship between employer health insurance characteristics and the provision of employee assistance programs.

    PubMed

    Zarkin, G A; Garfinkel, S A

    1994-01-01

    Workplace drug and alcohol abuse imposes substantial costs on employers. In response, employers have implemented a variety of programs to decrease substance abuse in the workplace, including drug testing, health and wellness programs, and employee assistance programs (EAPs). This paper focuses on the relationship between enterprises' organizational and health insurance characteristics and the firms' decisions to provide EAPs. Using data from the 1989 Survey of Health Insurance Plans (SHIP), sponsored by the Health Care Financing Administration (HCFA), we estimated the prevalence of EAPs by selected organizational and health insurance characteristics for those firms that offer health insurance to their workers. In addition, we estimated logistic models of the enterprises' decisions to provide EAPs as functions of the extent of state substance abuse and mental health insurance mandates, state-level demographic variables, and organizational and health insurance characteristics. Our results suggest that state mandates and demographic variables, as well as organizational and health insurance characteristics, are important explanatory variables of enterprises' decisions to provide EAPs.

  14. 31 CFR 1025.200 - General.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR INSURANCE COMPANIES Programs § 1025.200 General. Insurance companies are subject to the program requirements set forth and cross referenced in this subpart. Insurance companies should also refer to subpart B of part 1010 of this chapter for program requirements...

  15. 31 CFR 1025.200 - General.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR INSURANCE COMPANIES Programs § 1025.200 General. Insurance companies are subject to the program requirements set forth and cross referenced in this subpart. Insurance companies should also refer to subpart B of part 1010 of this chapter for program requirements...

  16. 31 CFR 1025.200 - General.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR INSURANCE COMPANIES Programs § 1025.200 General. Insurance companies are subject to the program requirements set forth and cross referenced in this subpart. Insurance companies should also refer to subpart B of part 1010 of this chapter for program requirements...

  17. Implementing the Affordable Care Act: Revisiting the ACA's Essential Health Benefits Requirements.

    PubMed

    Giovannelli, Justin; Lucia, Kevin W; Corlette, Sabrina

    2014-10-01

    The Affordable Care Act broadens and strengthens the health insurance benefits available to consumers by requiring insurers to provide coverage of a minimum set of medical services known as "essential health benefits." Federal officials implemented this reform using transitional policies that left many important decisions to the states, while pledging to reassess that approach in time for the 2016 coverage year. This issue brief examines how states have exercised their options under the initial federal essential health benefits framework. We find significant variation in how states have developed their essential health benefits packages, including their approaches to benefit substitution and coverage of habilitative services. Federal regulators should use insurance company data describing enrollees' experiences with their coverage--information called for under the law's delayed transparency requirements--to determine whether states' differing strategies are producing the coverage improvements promised by reform.

  18. 42 CFR 457.30 - Basis, scope, and applicability of subpart A.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... HUMAN SERVICES (CONTINUED) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and Outreach Strategies § 457.30... coordination with other health insurance programs. (5) Section 2106, which specifies the process for submission...

  19. 78 FR 6275 - Medicaid, Children's Health Insurance Programs, and Exchanges: Essential Health Benefits in...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-30

    ... Medicaid, Children's Health Insurance Programs, and Exchanges: Essential Health Benefits in Alternative...'s Health Insurance Programs, and Exchanges: Essential Health Benefits in Alternative Benefit Plans... DEPARTMENT OF HEALTH AND HUMAN SERVICES Centers for Medicare & Medicaid Services 42 CFR Parts 430...

  20. 78 FR 60897 - Agency Information Collection Activities; Submission for OMB Review; Comment Request; Employer...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-02

    ... for OMB Review; Comment Request; Employer Children's Health Insurance Program Notice ACTION: Notice...) sponsored information collection request (ICR) titled, ``Employer Children's Health Insurance Program Notice... Health Insurance Program (CHIP) for health coverage of the employee or the employee's dependents. ERISA...

  1. 42 CFR 457.80 - Current State child health insurance coverage and coordination.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 4 2010-10-01 2010-10-01 false Current State child health insurance coverage and... 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 Outreach Strategies...

  2. MHEC Survey Establishes Midwest Property Insurance Benchmarks.

    ERIC Educational Resources Information Center

    Midwestern Higher Education Commission Risk Management Institute Research Bulletin, 1994

    1994-01-01

    This publication presents the results of a survey of over 200 midwestern colleges and universities on their property insurance programs and establishes benchmarks to help these institutions evaluate their insurance programs. Findings included the following: (1) 51 percent of respondents currently purchase their property insurance as part of a…

  3. 78 FR 59366 - Multifamily, Healthcare Facilities, and Hospital Mortgage Insurance Premiums for Fiscal Year (FY...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-26

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5737-N-01] Multifamily, Healthcare... Administration (FHA) Multifamily, Healthcare Facilities, and Hospital mortgage insurance programs that have..., Healthcare Facilities, and Hospital mortgage insurance programs. This Notice does not apply to loans insured...

  4. 24 CFR 266.310 - Insurance of advances or insurance upon completion; applicability of requirements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Processing, Development, and Approval § 266.310 Insurance of... projects involving new construction or substantial rehabilitation. Existing projects without the need for...

  5. Global warming and the insurance industry

    NASA Astrophysics Data System (ADS)

    Berz, G. A.

    1992-06-01

    In the last few decades, the international insurance industry has been confronted with a drastic increase in the scope and frequency of great natural disasters. The trend is primarily attributable to the continuing steady growth of the world population and the increasing concentration of people and economic values in urban areas. An additional factor is the global migration of populations and industries into areas like the coastal regions which are particularly exposed to natural hazards. The natural hazards themselves, on the other hand, have not yet shown any significant increase. In addition to the problems the insurance industry has with regard to pricing, capacity and loss reserves, the assessment of insured liabilities, preventive planning and the proper adjustment of catastrophe losses are gaining importance. The present problems will be dramatically aggravated if the greenhouse predictions come true. The increased intensity of all convective processes in the atmosphere will force up the frequency and severity of tropical cyclones, tornados, hailstorms, floods and storm surges in many parts of the world with serious consequences for all types of property insurance. Rates will have to be raised and in certain coastal areas insurance coverage will only be available after considerable restrictions have been imposed, e.g., significant deductibles and/or liability or loss limits. In areas of high insurance density the loss potential of individual catastrophes can reach a level where the national and international insurance industries run into serious capacity problems. Recent disasters showed the disproportionately high participation of reinsurers in extreme disaster losses and the need for more risk transparency if the insurance industry is to fulfill its obligations in an increasingly hostile environment.

  6. [Provide comprehensive service for state policy].

    PubMed

    Wu, X

    1991-04-01

    In recent years, Chinese insurance companies introduced family planning (FP) insurance series. These schemes originated from the "one child" and life insurance and accident insurance of the early 1980s, which were established in response to the need that came with the "one child" policy. In order to help relieve the difficulties of rural FP work, the People's Insurance Corporation extended these programs to a series of schemes. These schemes included e.g., and old age security program for the families with 1 daughter only, old age security for families with an only child, and the program for FP workers' personal safety. The purpose of these schemes was to guarantee security in old age for families with few children, to ensure compensation if accident occurs during delivery or as a result of birth control operations; and compensation for FP workers for physical assaults they encountered. As FP organizations have been directly involved in advertising the insurance programs, there has been support from local governments with human and financial resources, and these insurance programs have been expanding every year. The payment of the policy has been either entirely or partially borne by the employers of the insured. In the process of the development of the insurance program, some problems have occurred. 1st, competition between FP organizations and insurance companies have evolved in sponsoring the program for its profit. 2nd, some media reports have confused the payment of premiums with the compulsory levy of undue fees, which in a way, hindered the expansion of program enrollment. 3rd, some local administrations are short of funds to pay for the insurance premiums. 4th, the accrued income from the premiums is lower than the expected sum of the principle and interest if the same funds were deposited in a bank at current interest rate. Therefore, some schemes lack appeal. FP series insurance is a longer term program which will have an important impact on the realization of the aim of population policy, and on the welfare of the population. The government should give adequate emphasis to the management of the program. The fund from the policy premiums could be used in high return and low risk investment in order to increase the appeal of the insurance schemes. Besides the current resources for the payment of premiums, funds from government allocation, penalty payment from those who have birth above the quota, one-child allowance, donations from communities or individuals, and income from special lotteries could also be used to pay the premiums.

  7. 75 FR 24726 - Agency Information Collection Activities: Proposed Collection; Comment Request, 1660-0086...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-05

    ... servicing industries bring their mortgage portfolios into compliance with Federal flood insurance... Insurance Program--Mortgage Portfolio Protection Program (MPPP) AGENCY: Federal Emergency Management Agency... Insurance Program (NFIP) is authorized in Public Law 90-448 (1968) and expanded by Public Law 93-234 (1973...

  8. 75 FR 45013 - Pre-Existing Condition Insurance Plan Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-30

    ... provided (an important protection for a program designed to offer coverage to those with a pre-existing... Part II Department of Health and Human Services 45 CFR Part 152 Pre-Existing Condition Insurance... [OCIIO-9995-IFC] RIN 0991-AB71 Pre-Existing Condition Insurance Plan Program AGENCY: Office of Consumer...

  9. 76 FR 7576 - Agency Information Collection Activities: Submission for OMB Review; Comment Request, OMB No...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-10

    ...; Application for Participation in the National Flood Insurance Program (NFIP) AGENCY: Federal Emergency... Insurance Program (NFIP). Type of information collection: Revision of a currently approved information... Program (NFIP) provides flood insurance to the communities that apply for participation and make a...

  10. Insurance for Urban Transportation Construction

    DOT National Transportation Integrated Search

    1977-06-01

    This report investigates insurance programs for urban transportation construction, including subways, and establishes guidelines by which an authority owner can choose the insurance program which best serves the needs dictated by the conditions and f...

  11. Loss control and its place in the insurance industry.

    PubMed

    Kelly, A B

    1986-08-01

    The historical development of the insurance industry's role in efforts to prevent industrial accidents and occupational disease will be discussed. The various approaches that have evolved include fire insurance, casuality insurance, and compensation for occupational diseases. The basic approach used in insurance programs involved with occupational disease is to identify the toxic material to which employees are exposed, recommend engineering controls to reduce the exposure, and suggest a medical surveillance program. The insurance industry's efforts in industrial hygiene are also described.

  12. Social contract theory and just decision making: lessons from genetic testing for the BRCA mutations.

    PubMed

    Williams-Jones, Bryn; Burgess, Michael M

    2004-06-01

    Decisions about funding health services are crucial to controlling costs in health care insurance plans, yet they encounter serious challenges from intellectual property protection--e.g., patents--of health care services. Using Myriad Genetics' commercial genetic susceptibility test for hereditary breast cancer (BRCA testing) in the context of the Canadian health insurance system as a case study, this paper applies concepts from social contract theory to help develop more just and rational approaches to health care decision making. Specifically, Daniel's and Sabin's "accountability for reasonableness" is compared to broader notions of public consultation, demonstrating that expert assessments in specific decisions must be transparent and accountable and supplemented by public consultation.

  13. 78 FR 77365 - Federal Employees' Group Life Insurance Program: Options B and C

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-23

    ... 3206-AM96 Federal Employees' Group Life Insurance Program: Options B and C AGENCY: U.S. Office of... proposing to amend the Federal Employees' Group Life Insurance (FEGLI) regulations to provide an election... into law. This law, the Federal Employees Life Insurance Improvement Act, changed many parts of the...

  14. 38 CFR 17.169 - VA Dental Insurance Program for veterans and survivors and dependents of veterans (VADIP).

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2013-07-01 2013-07-01 false VA Dental Insurance..., Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS MEDICAL Dental Services § 17.169 VA Dental... Dental Insurance Program (VADIP) provides premium-based dental insurance coverage through which...

  15. 38 CFR 17.169 - VA Dental Insurance Program for veterans and survivors and dependents of veterans (VADIP).

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2014-07-01 2014-07-01 false VA Dental Insurance..., Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS MEDICAL Dental Services § 17.169 VA Dental... Dental Insurance Program (VADIP) provides premium-based dental insurance coverage through which...

  16. 24 CFR 570.605 - National Flood Insurance Program.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false National Flood Insurance Program... Requirements § 570.605 National Flood Insurance Program. Notwithstanding the date of HUD approval of the... accordance with 24 CFR part 91), section 202(a) of the Flood Disaster Protection Act of 1973 (42 U.S.C. 4106...

  17. 31 CFR 50.92 - Determination of pro rata share.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... INSURANCE PROGRAM Cap on Annual Liability § 50.92 Determination of pro rata share. (a) Pro rata loss... providing property and casualty insurance under the Program if there were no cap on annual liability under... estimates that aggregate insured losses may exceed the cap on annual liability for a Program Year, then...

  18. 76 FR 17428 - Notice of Submission of Proposed Information Collection to OMB Rehabilitation Mortgage Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-29

    ... Proposed Information Collection to OMB Rehabilitation Mortgage Insurance Underwriting Program Section 203(K... processes for participants in HUD-FHA's 203(K) Rehabilitation Mortgage Insurance Program. DATES: Comments... Program Section 203(K). OMB Approval Number: 2502-0527. Form Numbers: HUD-92700, HUD-92700-A, HUD-9746-A...

  19. 42 CFR 431.636 - Coordination of Medicaid with the Children's Health Insurance Program (CHIP).

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 4 2011-10-01 2011-10-01 false Coordination of Medicaid with the Children's Health Insurance Program (CHIP). 431.636 Section 431.636 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES...'s Health Insurance Program (CHIP). (a) Statutory basis. This section implements— (1) Section 2102(b...

  20. 42 CFR 431.636 - Coordination of Medicaid with the Children's Health Insurance Program (CHIP).

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 4 2012-10-01 2012-10-01 false Coordination of Medicaid with the Children's Health Insurance Program (CHIP). 431.636 Section 431.636 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES...'s Health Insurance Program (CHIP). (a) Statutory basis. This section implements— (1) Section 2102(b...

  1. 75 FR 42762 - Agency Information Collection Activities: Proposed Collection; Comment Request, OMB No. 1660-0015...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-22

    ... Amendments to National Flood Insurance Program Maps (Spanish). SUMMARY: The Federal Emergency Management... Insurance Program Maps (Spanish). Abstract: This collection of information allows owners of structures that... National Flood Insurance Program Maps (Spanish)/ FEMA Form 086-0-22A. Subtotal 18,775 18,775 22,530 659,228...

  2. 75 FR 24723 - Agency Information Collection Activities: Proposed Collection; Comment Request, 1660-0037...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-05

    ... Insurance Program Maps (Spanish). SUMMARY: The Federal Emergency Management Agency, as part of its... Flood Insurance Program Maps (Spanish). Abstract: FEMA Forms 086-0-22 and 086-0-22A are designed to...,389 Single Residential Lot or Structure Amendments to National Flood Insurance Program Maps (Spanish...

  3. 77 FR 7604 - Notice Requesting Public Comment on Two Proposed Unemployment Insurance (UI) Program Performance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-13

    ... Proposed Unemployment Insurance (UI) Program Performance Measures To Meet Requirements in the Improper...-ROM submissions) to Mr. Andrew Spisak, U.S. Department of Labor, ETA/Office of Unemployment Insurance... UI program into compliance. In June 2011, the Department issued a ``call to action'' in Unemployment...

  4. Insurance premiums and insurance coverage of near-poor children.

    PubMed

    Hadley, Jack; Reschovsky, James D; Cunningham, Peter; Kenney, Genevieve; Dubay, Lisa

    States increasingly are using premiums for near-poor children in their public insurance programs (Medicaid/SCHIP) to limit private insurance crowd-out and constrain program costs. Using national data from four rounds of the Community Tracking Study Household Surveys spanning the seven years from 1996 to 2003, this study estimates a multinomial logistic regression model examining how public and private insurance premiums affect insurance coverage outcomes (Medicaid/SCHIP coverage, private coverage, and no coverage). Higher public premiums are significantly associated with a lower probability of public coverage and higher probabilities of private coverage and uninsurance; higher private premiums are significantly related to a lower probability of private coverage and higher probabilities of public coverage and uninsurance. The results imply that uninsurance rates will rise if both public and private premiums increase, and suggest that states that impose or increase public insurance premiums for near-poor children will succeed in discouraging crowd-out of private insurance, but at the expense of higher rates of uninsurance. Sustained increases in private insurance premiums will continue to create enrollment pressures on state insurance programs for children.

  5. Putting a premium on medical staffs. A novel way to insure physician liability (and loyalty).

    PubMed

    Jones, T M; O'Hare, P K

    1989-05-01

    The physician malpractice insurance crisis is having an adverse financial impact on both hospitals and their medical staffs. Innovative hospitals are exploring ways to create insurance arrangements to cover the professional liability of their medical staffs. Hospital risk managers often have theorized that if the same insurer covered both hospitals and their staff physicians, providers and their patients would benefit. These programs--often referred to as "channeling" or "channeled programs"--use a common risk management program, common claims administration, and a common claims defense for insured hospitals and their medical staffs, reducing costs, unfavorable verdicts, and, thus, premiums. Unfortunately only a few commercial carriers now offer such a program. Some hospitals and systems have therefore turned to "captive" insurance companies to provide the benefits of a channeled program. Hospitals or systems and their medical staffs can establish a captive (i.e., a controlled insurance company designed to insure its owners and their affiliates) either offshore (typically in a tax-free jurisdiction such as the Cayman Islands, Barbados, or Bermuda) or onshore (typically in a state with facilitating legislation). The Tax Reform Act of 1986, together with the Liability Risk Retention Act of 1986, generally tips the regulatory balance in favor of onshore captives by allowing these entities to operate as risk retention groups (RRGs).

  6. Promoting universal financial protection: constraints and enabling factors in scaling-up coverage with social health insurance in Nigeria.

    PubMed

    Onoka, Chima A; Onwujekwe, Obinna E; Uzochukwu, Benjamin S; Ezumah, Nkoli N

    2013-06-13

    The National Health Insurance Scheme (NHIS) in Nigeria was launched in 2005 as part of efforts by the federal government to achieve universal coverage using financial risk protection mechanisms. However, only 4% of the population, and mainly federal government employees, are currently covered by health insurance and this is primarily through the Formal Sector Social Health Insurance Programme (FSSHIP) of the NHIS. This study aimed to understand why different state (sub-national) governments decided whether or not to adopt the FSSHIP for their employees. This study used a comparative case study approach. Data were collected through document reviews and 48 in-depth interviews with policy makers, programme managers, health providers, and civil servant leaders. Although the programme's benefits seemed acceptable to state policy makers and the intended beneficiaries (employees), the feasibility of employer contributions, concerns about transparency in the NHIS and the role of states in the FSSHIP, the roles of policy champions such as state governors and resistance by employees to making contributions, all influenced the decision of state governments on adoption. Overall, the power of state governments over state-level health reforms, attributed to the prevailing system of government that allows states to deliberate on certain national-level policies, enhanced by the NHIS legislation that made adoption voluntary, enabled states to adopt or not to adopt the program. The study demonstrates and supports observations that even when the content of a programme is generally acceptable, context, actor roles, and the wider implications of programme design on actor interests can explain decision on policy adoption. Policy implementers involved in scaling-up the NHIS programme need to consider the prevailing contextual factors, and effectively engage policy champions to overcome known challenges in order to encourage adoption by sub-national governments. Policy makers and implementers in countries scaling-up health insurance coverage should, early enough, develop strategies to overcome political challenges inherent in the path to scaling-up, to avoid delay or stunting of the process. They should also consider the potential pitfalls of reforms that first focus on civil servants, especially when the use of public funds potentially compromises coverage for other citizens.

  7. Analysis of Servicemembers’ Group Life Insurance (SGLI) Program: History, Current Issues and Future Implications

    DTIC Science & Technology

    2011-06-01

    provide coverage for servicemembers. Even though insurance actuaries are fairly reliable in predicting deaths in the armed services during peacetime... disability . Mr. Wurtz continues: The SGLI program has insurance companies that have agreed to be "converters.” When an insured wants to convert...Philadelphia, PA; and Chief, Actuarial Staff, VA Regional Office and Insurance Center, Philadelphia, PA. A copy of the 1998 (Thursday, December 17

  8. 20 CFR 404.1401 - What is the interrelationship between the Railroad Retirement Act and the Old-Age, Survivors and...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Railroad Retirement Act and the Old-Age, Survivors and Disability Insurance Program of the Social Security..., SURVIVORS AND DISABILITY INSURANCE (1950- ) Interrelationship of Old-Age, Survivors and Disability Insurance... Retirement Act and the Old-Age, Survivors and Disability Insurance Program of the Social Security Act? (a...

  9. Infusing Adult Education Principles Into a Health Insurance Literacy Program.

    PubMed

    Brown, Virginia

    2018-03-01

    Health insurance literacy is an emerging concept in the health education and health promotion field. The passage of the Affordable Care Act highlighted the link between health insurance and health outcomes. However, the law does not specifically address how the public should be educated on choosing an appropriate health insurance plan. Research shows adults, regardless of previous health insurance status, are likely confused and uncertain about their selection. The University of Maryland Extension developed and created health insurance Smart Choice Health Insurance™ to reduce confusion and increase confidence and capability to make this decision. Andragogy, an adult learning theory, was used to guide the development of the program and help ensure best practices are used to achieve desired outcomes. Using the six principles of andragogy, the team incorporated reality-based case studies, allowed adults time to practice, and emphasized choice making and many other elements to create an atmosphere conducive to adult learning. Results from Smart Choice indicate the program is successful in reducing confusion and increasing confidence. Furthermore, feedback from participants and trained educators indicates that adults were engaged in the program and found the materials useful. Based on program success, creation of new health insurance literacy programs grounded in adult education principles is under way.

  10. Examining A Health Care Price Transparency Tool: Who Uses It, And How They Shop For Care.

    PubMed

    Sinaiko, Anna D; Rosenthal, Meredith B

    2016-04-01

    Calls for transparency in health care prices are increasing, in an effort to encourage and enable patients to make value-based decisions. Yet there is very little evidence of whether and how patients use health care price transparency tools. We evaluated the experiences, in the period 2011-12, of an insured population of nonelderly adults with Aetna's Member Payment Estimator, a web-based tool that provides real-time, personalized, episode-level price estimates. Overall, use of the tool increased during the study period but remained low. Nonetheless, for some procedures the number of people searching for prices of services (called searchers) was high relative to the number of people who received the service (called patients). Among Aetna patients who had an imaging service, childbirth, or one of several outpatient procedures, searchers for price information were significantly more likely to be younger and healthier and to have incurred higher annual deductible spending than patients who did not search for price information. A campaign to deliver price information to consumers may be important to increase patients' engagement with price transparency tools. Project HOPE—The People-to-People Health Foundation, Inc.

  11. Examining the types and payments of the disabilities of the insurants in the National Farmers' Health Insurance program in Taiwan.

    PubMed

    Wang, Jiun-Hao; Chang, Hung-Hao

    2010-10-26

    In contrast to the considerable body of literature concerning the disabilities of the general population, little information exists pertaining to the disabilities of the farm population. Focusing on the disability issue to the insurants in the Farmers' Health Insurance (FHI) program in Taiwan, this paper examines the associations among socio-demographic characteristics, insured factors, and the introduction of the national health insurance program, as well as the types and payments of disabilities among the insurants. A unique dataset containing 1,594,439 insurants in 2008 was used in this research. A logistic regression model was estimated for the likelihood of received disability payments. By focusing on the recipients, a disability payment and a disability type equation were estimated using the ordinary least squares method and a multinomial logistic model, respectively, to investigate the effects of the exogenous factors on their received payments and the likelihood of having different types of disabilities. Age and different job categories are significantly associated with the likelihood of receiving disability payments. Compared to those under age 45, the likelihood is higher among recipients aged 85 and above (the odds ratio is 8.04). Compared to hired workers, the odds ratios for self-employed and spouses of farm operators who were not members of farmers' associations are 0.97 and 0.85, respectively. In addition, older insurants are more likely to have eye problems; few differences in disability types are related to insured job categories. Results indicate that older farmers are more likely to receive disability payments, but the likelihood is not much different among insurants of various job categories. Among all of the selected types of disability, a highest likelihood is found for eye disability. In addition, the introduction of the national health insurance program decreases the likelihood of receiving disability payments. The experience in Taiwan can be valuable for other countries that are in an initial stage to implement a universal health insurance program.

  12. A Transparently-Scalable Metadata Service for the Ursa Minor Storage System

    DTIC Science & Technology

    2010-06-25

    provide application-level guarantees. For example, many document editing programs imple- ment atomic updates by writing the new document ver- sion into a...Transparently-Scalable Metadata Service for the Ursa Minor Storage System 5a. CONTRACT NUMBER 5b. GRANT NUMBER 5c. PROGRAM ELEMENT NUMBER 6...operations that could involve multiple servers, how close existing systems come to transparent scala - bility, how systems that handle multi-server

  13. Transparent Democratic Foresight Strategies in the California EMF Program.

    PubMed

    Neutra, Raymond Richard; Delpizzo, Vincent

    2002-01-01

    A California Department of Health Services program dealt with possible health effects from Electric and Magnetic Fields (EMF) from power lines. With the advice of stakeholders, and well before any risk determinations were made, transparent policy analyses about the power grid and schools asked the question, "How confident must one be of how big an effect before one would adopt cheap or expensive EMF avoidance measures?" A risk evaluation was carried out with features that promoted transparency. It was formatted to provide a policy-neutral "degree of certainty of causality" to adherents of utilitarian, environmental justice, and libertarian policy frameworks. Though the program had many features advocated by adherents of the precautionary principle, it might be better characterized as following "Transparent Democratic Foresight Strategies," since no single principle justifies the strategies used in this participatory program, and it examined the pros and cons of options but made no recommendations, precautionary or otherwise.

  14. 44 CFR 61.17 - Group Flood Insurance Policy.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.17 Group Flood Insurance Policy. (a) A Group Flood Insurance Policy (GFIP) is a... 44 Emergency Management and Assistance 1 2013-10-01 2013-10-01 false Group Flood Insurance Policy...

  15. 44 CFR 61.17 - Group Flood Insurance Policy.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.17 Group Flood Insurance Policy. (a) A Group Flood Insurance Policy (GFIP) is a... 44 Emergency Management and Assistance 1 2012-10-01 2011-10-01 true Group Flood Insurance Policy...

  16. 44 CFR 61.17 - Group Flood Insurance Policy.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.17 Group Flood Insurance Policy. (a) A Group Flood Insurance Policy (GFIP) is a... 44 Emergency Management and Assistance 1 2011-10-01 2011-10-01 false Group Flood Insurance Policy...

  17. 44 CFR 61.17 - Group Flood Insurance Policy.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.17 Group Flood Insurance Policy. (a) A Group Flood Insurance Policy (GFIP) is a... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Group Flood Insurance Policy...

  18. 44 CFR 61.17 - Group Flood Insurance Policy.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.17 Group Flood Insurance Policy. (a) A Group Flood Insurance Policy (GFIP) is a... 44 Emergency Management and Assistance 1 2014-10-01 2014-10-01 false Group Flood Insurance Policy...

  19. The Devil May Be in the Details: How the Characteristics of SCHIP Programs Affect Take-Up

    ERIC Educational Resources Information Center

    Wolfe, Barbara; Scrivner, Scott

    2005-01-01

    In this paper, we explore whether the specific design of a state's program has contributed to its success in meeting two objectives of the Children's Health Insurance Program (SCHIP): increasing the health insurance coverage of children in lower-income families and doing so with a minimum reduction in their private health insurance coverage…

  20. Structure and needs of global loss databases about natural disaster

    NASA Astrophysics Data System (ADS)

    Steuer, Markus

    2010-05-01

    Global loss databases are used for trend analyses and statistics in scientific projects, studies for governmental and nongovernmental organizations and for the insurance and finance industry as well. At the moment three global data sets are established: EM-DAT (CRED), Sigma (Swiss Re) and NatCatSERVICE (Munich Re). Together with the Asian Disaster Reduction Center (ADRC) and United Nations Development Program (UNDP) started a collaborative initiative in 2007 with the aim to agreed on and implemented a common "Disaster Category Classification and Peril Terminology for Operational Databases". This common classification has been established through several technical meetings and working groups and represents a first and important step in the development of a standardized international classification of disasters and terminology of perils. This means concrete to set up a common hierarchy and terminology for all global and regional databases on natural disasters and establish a common and agreed definition of disaster groups, main types and sub-types of events. Also the theme of georeferencing, temporal aspects, methodology and sourcing were other issues that have been identified and will be discussed. The implementation of the new and defined structure for global loss databases is already set up for Munich Re NatCatSERVICE. In the following oral session we will show the structure of the global databases as defined and in addition to give more transparency of the data sets behind published statistics and analyses. The special focus will be on the catastrophe classification from a moderate loss event up to a great natural catastrophe, also to show the quality of sources and give inside information about the assessment of overall and insured losses. Keywords: disaster category classification, peril terminology, overall and insured losses, definition

  1. Weaknesses in the USACE Defense Base Act Insurance Program Led to as Much as $58.5 Million in Refunds Not Returned to the U.S. Government and Other Problems

    DTIC Science & Technology

    2011-07-28

    compensation insurance for their employees who work overseas. DBA insurance carriers provide disability and medical benefits to employees for work... insurance carriers provide disability and medical benefits to employees for work-related injuries and death benefits to eligible survivors for work-related...program to determine if contracting with a single DBA insurance provider would help control costs. Under a single provider model , contractors must use

  2. 7 CFR 2201.24 - Insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 2201.24 Section 2201.24 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.24 Insurance. The Borrower of a...

  3. 44 CFR 80.17 - Project implementation.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program PROPERTY ACQUISITION AND... encumbrances to the property must be extinguished before acquisition. (c) Purchase offer and supplemental... resulting in a National Flood Insurance Program (NFIP) claim of at least $5000. (2) For acquisition of...

  4. Evaluation of the League General Insurance Company child safety seat distribution program

    DOT National Transportation Integrated Search

    1982-05-01

    This report presents an evaluation of the child safety seat distribution initiated by the League General Insurance Company in June 1979. The program provides child safety seats as a benefit under the company's auto insurance policies to policy-holder...

  5. Determinants of Private Long-Term Care Insurance Purchase in Response to the Partnership Program.

    PubMed

    Lin, Haizhen; Prince, Jeffrey T

    2016-04-01

    To assess three possible determinants of individuals' response in their private insurance purchases to the availability of the Partnership for Long-Term Care (PLTC) insurance program: bequest motives, financial literacy, and program awareness. The health and retirement study (HRS) merged with data on states' implementation of the PLTC program. Individual-level decision on private long-term care insurance is regressed on whether the PLTC program is being implemented for a given state-year, asset dummies, policy determinant variable, two-way and three-way interactions of these variables, and other controls, using fixed effects panel regression. Analysis used a sample between 50 and 69 years of age from 2002 to 2010, resulting in 12,695 unique individuals with a total of 39,151 observations. We find mild evidence that intent to bequest influences individual purchase of insurance. We also find that program awareness is necessary for response, while financial literacy notably increases responsiveness. Increasing response to the PLTC program among the middle class (the stated target group) requires increased efforts to create awareness of the program's existence and increased education about the program's benefits, and more generally, about long-term care risks and needs. © Health Research and Educational Trust.

  6. Moral Hazard: How The National Flood Insurance Program Is Limiting Risk Reduction

    DTIC Science & Technology

    2016-12-01

    Management and Budget, Paperwork Reduction Project (0704-0188) Washington DC 20503. 1. AGENCY USE ONLY (Leave blank) 2. REPORT DATE December...assessment, floodplain management , and flood insurance. A study of the NFIP concludes that aspects of the program limit risk reduction...floodplain management , risk assessment, disaster recovery, flood insurance claim, pre-flood insurance rate map 15. NUMBER OF PAGES 123 16. PRICE CODE

  7. 5 CFR 870.701 - Eligibility for life insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Eligibility for life insurance. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance (but...

  8. 5 CFR 870.301 - Eligibility for life insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless he...

  9. 5 CFR 870.701 - Eligibility for life insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Eligibility for life insurance. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance (but...

  10. 5 CFR 870.301 - Eligibility for life insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless he...

  11. 5 CFR 870.301 - Eligibility for life insurance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless he...

  12. 5 CFR 870.301 - Eligibility for life insurance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless he...

  13. 5 CFR 870.301 - Eligibility for life insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless he...

  14. 5 CFR 870.701 - Eligibility for life insurance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Eligibility for life insurance. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance (but...

  15. 5 CFR 870.701 - Eligibility for life insurance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Eligibility for life insurance. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance (but...

  16. 5 CFR 870.701 - Eligibility for life insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Eligibility for life insurance. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance (but...

  17. 44 CFR 61.14 - Standard Flood Insurance Policy Interpretations.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.14 Standard Flood Insurance Policy Interpretations. (a... 44 Emergency Management and Assistance 1 2012-10-01 2011-10-01 true Standard Flood Insurance...

  18. 44 CFR 61.14 - Standard Flood Insurance Policy Interpretations.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.14 Standard Flood Insurance Policy Interpretations. (a... 44 Emergency Management and Assistance 1 2013-10-01 2013-10-01 false Standard Flood Insurance...

  19. 44 CFR 61.14 - Standard Flood Insurance Policy Interpretations.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.14 Standard Flood Insurance Policy Interpretations. (a... 44 Emergency Management and Assistance 1 2014-10-01 2014-10-01 false Standard Flood Insurance...

  20. 44 CFR 61.14 - Standard Flood Insurance Policy Interpretations.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.14 Standard Flood Insurance Policy Interpretations. (a... 44 Emergency Management and Assistance 1 2011-10-01 2011-10-01 false Standard Flood Insurance...

  1. 44 CFR 61.14 - Standard Flood Insurance Policy Interpretations.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.14 Standard Flood Insurance Policy Interpretations. (a... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Standard Flood Insurance...

  2. Insuring Your Property. The CIRcular: Consumer Information Report 29.

    ERIC Educational Resources Information Center

    Bank of America NT & SA, San Francisco, CA.

    This report presents guidelines to help homeowners, renters, and condominium owners purchase and maintain adequate insurance coverage for their residences and personal property. Types of property coverage discussed include the following: (1) standard policies and exclusions; (2) special programs (earthquake insurance, federal programs for…

  3. 44 CFR 59.24 - Suspension of community eligibility.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL... the sale of flood insurance shall be subject to suspension from the Program for failing to submit copies of adequate flood plain management regulations meeting the minimum requirements of paragraphs (b...

  4. 44 CFR 59.24 - Suspension of community eligibility.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL... the sale of flood insurance shall be subject to suspension from the Program for failing to submit copies of adequate flood plain management regulations meeting the minimum requirements of paragraphs (b...

  5. 44 CFR 59.24 - Suspension of community eligibility.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL... the sale of flood insurance shall be subject to suspension from the Program for failing to submit copies of adequate flood plain management regulations meeting the minimum requirements of paragraphs (b...

  6. 44 CFR 59.24 - Suspension of community eligibility.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL... the sale of flood insurance shall be subject to suspension from the Program for failing to submit copies of adequate flood plain management regulations meeting the minimum requirements of paragraphs (b...

  7. 44 CFR 59.24 - Suspension of community eligibility.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL... the sale of flood insurance shall be subject to suspension from the Program for failing to submit copies of adequate flood plain management regulations meeting the minimum requirements of paragraphs (b...

  8. Working families' health insurance coverage, 1997-2001.

    PubMed

    Strunk, Bradley C; Reschovsky, James D

    2002-08-01

    Despite a booming U.S. economy, falling unemployment and moderate health insurance premium growth, the percentage of working Americans and their families with employer-sponsored health insurance failed to increase substantially between 1997 and 2001, according to findings from the Center for Studying Health System Change (HSC) Community Tracking Study Household Survey. There were, however, dramatic changes in the insurance status of people who lacked access to or did not take up employer coverage: fewer uninsured, more public program enrollment and a decline in coverage by individual insurance and other sources. While the State Children's Health Insurance Program (SCHIP) clearly reduced uninsurance among low-income children, evidence also suggests a fair amount of substitution of public insurance for private coverage.

  9. 77 FR 72920 - Federal Housing Administration (FHA) Section 232 Healthcare Mortgage Insurance Program: Partial...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-07

    ...This rule amends the regulations governing FHA's Section 232 Healthcare Mortgage Insurance program (Section 232 program) by establishing the criteria and process by which FHA will accept and pay a partial payment of a claim under the FHA mortgage insurance contract. The Section 232 program insures mortgage loans to facilitate the construction, substantial rehabilitation, purchase, and refinancing of nursing homes, intermediate care facilities, board and care homes, and assisted-living facilities. Through acceptance and payment of a partial payment of claim, FHA pays the lender a portion of the unpaid principal balance and recasts a portion of the mortgage under terms and conditions determined by FHA, as an alternative to the lender assigning the entire mortgage to HUD. Partial payment of claim also allows FHA- insured healthcare projects to continue operating and providing services.

  10. Health Changes in Low Income Men Transitioning from a State Funded Prostate Cancer Program to Comprehensive Insurance.

    PubMed

    Nabhani, Jamal A; Kuang, Ruby; Liu, Hui; Kwan, Lorna; Litwin, Mark S

    2018-07-01

    We evaluated the effect of transitioning from a prostate cancer specific treatment program to comprehensive insurance under the ACA (Patient Protection and Affordable Care Act) on the physical, mental and prostate cancer related health of poor, previously uninsured men. We assessed general and prostate cancer specific health related quality of life using the RAND SF-12v2™ (12-Item Short Form Survey, version 2) and the UCLA PCI (Prostate Cancer Index) at 3 time points in 24 men who transitioned to comprehensive insurance as the insured group relative to 39 who remained in the prostate cancer program as the control group. We used mixed effects models controlling for treatment and patient factors to measure health differences between the groups during the transition period. Demographics, prostate cancer treatment patterns, and mental, physical and general health were similar before transition in the control and insured groups. After transition men who gained insurance coverage reported significantly worse physical health than men who remained in the prostate cancer program (p = 0.0038). After adjustment in the mixed effects model physical health remained worse in men who gained insurance (p = 0.0036). Mental health and prostate cancer related quality of life did not differ with time between the groups. Compared to controls who remained in the state funded prostate cancer treatment program for poor, uninsured men, newly insured men reported worse physical health after transitioning to ACA coverage. Providers and policy makers may draw important lessons from understanding the mechanisms of this paradoxical worsening in physical health after gaining insurance. These results inform the development of disease specific models of care in the broader health insurance context. Copyright © 2018 American Urological Association Education and Research, Inc. Published by Elsevier Inc. All rights reserved.

  11. Risk Adjustment, Reinsurance Improved Financial Outcomes For Individual Market Insurers With The Highest Claims.

    PubMed

    Jacobs, Paul D; Cohen, Michael L; Keenan, Patricia

    2017-04-01

    The Affordable Care Act (ACA) reformed the individual health insurance market. Because insurers can no longer vary their offers of coverage based on applicants' health status, the ACA established a risk adjustment program to equalize health-related cost differences across plans. The ACA also established a temporary reinsurance program to subsidize high-cost claims. To assess the impact of these programs, we compared revenues to claims costs for insurers in the individual market during the first two years of ACA implementation (2014 and 2015), before and after the inclusion of risk adjustment and reinsurance payments. Before these payments were included, for the 30 percent of insurers with the highest claims costs, claims (not including administrative expenses) exceeded premium revenues by $90-$397 per enrollee per month. The effect was reversed after these payments were included, with revenues exceeding claims costs by $0-$49 per month. The risk adjustment and reinsurance programs were relatively well targeted in the first two years. While there is ongoing discussion regarding the future of the ACA, our findings can shed light on how risk-sharing programs can address risk selection among insurers-a pervasive issue in all health insurance markets. Project HOPE—The People-to-People Health Foundation, Inc.

  12. 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…

  13. Determinants for participation in a public health insurance program among residents of urban slums in Nairobi, Kenya: results from a cross-sectional survey.

    PubMed

    Kimani, James K; Ettarh, Remare; Kyobutungi, Catherine; Mberu, Blessing; Muindi, Kanyiva

    2012-03-19

    The government of Kenya is making plans to implement a social health insurance program by transforming the National Hospital Insurance Fund (NHIF) into a universal health coverage program. This paper examines the determinants associated with participation in the NHIF among residents of urban slums in Nairobi city. The study used data from the Nairobi Urban Health and Demographic Surveillance System in two slums in Nairobi city, where a total of about 60,000 individuals living in approximately 23,000 households are under surveillance. Descriptive statistics and multivariate logistic regression analysis were used to describe the characteristics of the sample and to identify factors associated with participation in the NHIF program. Only 10% of the respondents were participating in the NHIF program, while less than 1% (0.8%) had private insurance coverage. The majority of the respondents (89%) did not have any type of insurance coverage. Females were more likely to participate in the NHIF program (OR = 2.4; p < 0.001), while respondents who were formerly in a union (OR = 0.5; p < 0.05) and who were never in a union (OR = 0.6; p < 0.05) were less likely to have public insurance coverage. Respondents working in the formal employment sector (OR = 4.1; p < 0.001) were more likely to be enrolled in the NHIF program compared to those in the informal sector. Membership in microfinance institutions such as savings and credit cooperative organizations (SACCOs) and community-based savings and credit groups were important determinants of access to health insurance. The proportion of slum residents without any type of insurance is high, which underscores the need for a social health insurance program to ensure equitable access to health care among the poor and vulnerable segments of the population. As the Kenyan government moves toward transforming the NHIF into a universal health program, it is important to harness the unique opportunities offered by both the formal and informal microfinance institutions in improving health care capacity by considering them as viable financing options within a comprehensive national health financing policy framework.

  14. [Why are some drugs so expensive? The price policy of pharmaceutical companies--"digging the grave of our health insurance-system"?].

    PubMed

    Glaeske, Gerd

    2008-01-01

    A decisive influence on the attractiveness of the German drug market is exerted by the institutions responsible for the prescribability of a drug in the framework of the Statutory Health Insurance (SHI). In this most lucrative segment of the German market, a host of reforms in recent years has led to declining transparency, where the short-lived regulatory interventions aimed - with limited success - at containing the increase in expenditure on drugs. From 1997 to 2003, however, new and patented drugs were largely protected against regulatory measures, such as fixed reimbursement rates (reference prices). However, only little use was made of this additional promotion of research activities. The majority of the new drugs in this period were me-too products, which only rarely had therapeutic advantages or advantages in the price competition with established medicines. In addition, the pharmaceutical companies widely use the privilege to set a price for drugs being prescribed in the SHI without undertaking any negotiations or presenting cost-effectiveness studies, which is unique in the European comparison. In future, the decision regarding the reimbursability of, or the reimbursable amount for, a preparation should thus be geared to lasting, transparent and unequivocal criteria guided by efficiency optimization and therapeutic progress.

  15. Health Insurance Enrollment and Availability of Medications for Substance Use Disorders.

    PubMed

    Abraham, Amanda J; Rieckmann, Traci; Andrews, Christina M; Jayawardhana, Jayani

    2017-01-01

    Medications for treatment of substance use disorders are underutilized in treatment programs in the United States. Little is known about how insurance enrollment within states affects treatment program decisions about whether to offer medications. The primary objective of the study was to examine the impact of health insurance enrollment on availability of substance use disorder medications among treatment programs. Data from the 2012 National Survey of Substance Abuse Treatment Services, National Survey on Drug Use and Health, American Community Survey, Area Health Resource File, and the Substance Abuse and Mental Health Services Administration were combined to examine the impact of state insurance enrollment on availability of substance use disorder medications in treatment programs (N=9,888). A two-level, random-intercept logistic regression model was estimated to account for potential unobserved heterogeneity among treatment programs nested in states. The percentage of state residents with employer-based insurance and Medicaid was associated with greater odds of offering at least one medication among treatment programs. A 5% increase in the rate of private insurance enrollment was associated with a 7.7% increase in the probability of offering at least one medication, and a 5% increase in the rate of state Medicaid enrollment was associated with a 9.3% increase in the probability of offering at least one medication. Results point to the potential significance of health insurance enrollment in shaping the availability of substance use disorder medications. Significant expansions in health insurance enrollment spurred by the Affordable Care Act have the potential to increase access to medications for many Americans.

  16. Maternal Mortality in Colombia in 2011: A Two Level Ecological Study

    PubMed Central

    Cárdenas-Cárdenas, Luz Mery; Cotes-Cantillo, Karol; Chaparro-Narváez, Pablo Enrique; Fernández-Niño, Julián Alfredo; Paternina-Caicedo, Angel; Castañeda-Orjuela, Carlos; De la Hoz-Restrepo, Fernando

    2015-01-01

    Objective Maternal mortality reduction is a Millennium Development Goal. In Colombia, there is a large disparity in the maternal mortality ratio (MMR) between and into departments (states) and also between municipalities. We examined socioeconomics variables at the municipal and departmental levels which could be associated to the municipal maternal mortality in Colombia. Methods A multilevel ecology study was carried out using different national data sources in Colombia. The outcome variable was the MMR at municipal level in 2011 with multidimensional poverty at municipal and department level as the principal independent variables and other measures of the social and economic characteristics at municipal and departmental level were also considered explicative variables (overall fertility municipal rate, percentage of local rural population, health insurance coverage, per capita territorial participation allocated to the health sector, transparency index and Gini coefficient). The association between MMR and socioeconomic contextual conditions at municipal and departmental level was assessed using a multilevel Poisson regression model. Results The MMR in the Colombian municipalities was associated significantly with the multidimensional poverty (relative ratio of MMR: 3.52; CI 95%: 1.09-11.38). This association was stronger in municipalities from departments with the highest poverty (relative ratio of MMR: 7.14; CI 95%: 2.01-25.35). Additionally, the MMR at municipal level was marginally associated with municipally health insurance coverage (relative ratio of MMR: 0.99; CI 95%: 0.98-1.00), and significantly with transparency index at departmental level (relative ratio of MMR: 0.98; CI 95%: 0.97-0.99). Conclusion Poverty and transparency in a contextual level were associated with the increase of the municipal MMR in Colombia. The results of this study are useful evidence for informing the public policies discussion and formulation processes with a differential approach. PMID:25785719

  17. Maternal mortality in Colombia in 2011: a two level ecological study.

    PubMed

    Cárdenas-Cárdenas, Luz Mery; Cotes-Cantillo, Karol; Chaparro-Narváez, Pablo Enrique; Fernández-Niño, Julián Alfredo; Paternina-Caicedo, Angel; Castañeda-Orjuela, Carlos; De la Hoz-Restrepo, Fernando

    2015-01-01

    Maternal mortality reduction is a Millennium Development Goal. In Colombia, there is a large disparity in the maternal mortality ratio (MMR) between and into departments (states) and also between municipalities. We examined socioeconomics variables at the municipal and departmental levels which could be associated to the municipal maternal mortality in Colombia. A multilevel ecology study was carried out using different national data sources in Colombia. The outcome variable was the MMR at municipal level in 2011 with multidimensional poverty at municipal and department level as the principal independent variables and other measures of the social and economic characteristics at municipal and departmental level were also considered explicative variables (overall fertility municipal rate, percentage of local rural population, health insurance coverage, per capita territorial participation allocated to the health sector, transparency index and Gini coefficient). The association between MMR and socioeconomic contextual conditions at municipal and departmental level was assessed using a multilevel Poisson regression model. The MMR in the Colombian municipalities was associated significantly with the multidimensional poverty (relative ratio of MMR: 3.52; CI 95%: 1.09-11.38). This association was stronger in municipalities from departments with the highest poverty (relative ratio of MMR: 7.14; CI 95%: 2.01-25.35). Additionally, the MMR at municipal level was marginally associated with municipally health insurance coverage (relative ratio of MMR: 0.99; CI 95%: 0.98-1.00), and significantly with transparency index at departmental level (relative ratio of MMR: 0.98; CI 95%: 0.97-0.99). Poverty and transparency in a contextual level were associated with the increase of the municipal MMR in Colombia. The results of this study are useful evidence for informing the public policies discussion and formulation processes with a differential approach.

  18. 44 CFR 61.13 - Standard Flood Insurance Policy.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.13 Standard Flood Insurance Policy. (a) Incorporation of forms. Each of the... 44 Emergency Management and Assistance 1 2014-10-01 2014-10-01 false Standard Flood Insurance...

  19. 44 CFR 61.13 - Standard Flood Insurance Policy.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.13 Standard Flood Insurance Policy. (a) Incorporation of forms. Each of the... 44 Emergency Management and Assistance 1 2013-10-01 2013-10-01 false Standard Flood Insurance...

  20. 44 CFR 61.13 - Standard Flood Insurance Policy.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.13 Standard Flood Insurance Policy. (a) Incorporation of forms. Each of the... 44 Emergency Management and Assistance 1 2011-10-01 2011-10-01 false Standard Flood Insurance...

  1. 44 CFR 61.13 - Standard Flood Insurance Policy.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.13 Standard Flood Insurance Policy. (a) Incorporation of forms. Each of the... 44 Emergency Management and Assistance 1 2012-10-01 2011-10-01 true Standard Flood Insurance...

  2. 7 CFR 3555.5 - Environmental requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... SFHGLP unless flood insurance through the FEMA National Flood Insurance Program (NFIP) is available. The... issued under the NFIP, or by a licensed property and casualty insurance company authorized to participate in NFIP's “Write Your Own” program. (7) Rural Development, will not guarantee loans for new or...

  3. 44 CFR 60.11 - Purpose of this subpart.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program CRITERIA FOR LAND MANAGEMENT AND USE Requirements for State Flood Plain Management Regulations § 60.11 Purpose of..., accordingly, the Act provides that flood insurance shall not be sold or renewed under the Program unless a...

  4. 44 CFR 60.11 - Purpose of this subpart.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program CRITERIA FOR LAND MANAGEMENT AND USE Requirements for State Flood Plain Management Regulations § 60.11 Purpose of this subpart... Act provides that flood insurance shall not be sold or renewed under the Program unless a community...

  5. 44 CFR 60.11 - Purpose of this subpart.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program CRITERIA FOR LAND MANAGEMENT AND USE Requirements for State Flood Plain Management Regulations § 60.11 Purpose of..., accordingly, the Act provides that flood insurance shall not be sold or renewed under the Program unless a...

  6. 44 CFR 60.11 - Purpose of this subpart.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program CRITERIA FOR LAND MANAGEMENT AND USE Requirements for State Flood Plain Management Regulations § 60.11 Purpose of..., accordingly, the Act provides that flood insurance shall not be sold or renewed under the Program unless a...

  7. 44 CFR 60.11 - Purpose of this subpart.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program CRITERIA FOR LAND MANAGEMENT AND USE Requirements for State Flood Plain Management Regulations § 60.11 Purpose of..., accordingly, the Act provides that flood insurance shall not be sold or renewed under the Program unless a...

  8. Evaluation of an emergency department-based enrollment program for uninsured children.

    PubMed

    Mahajan, Prashant; Stanley, Rachel; Ross, Kevin W; Clark, Linda; Sandberg, Keisha; Lichtenstein, Richard

    2005-03-01

    We evaluate the effectiveness of an emergency department (ED)-based outreach program in increasing the enrollment of uninsured children. The study involved placing a full-time worker trained to enroll uninsured children into Medicaid or the State Children's Health Insurance Program in an inner-city academic children's hospital ED. Analysis was carried out for outpatient ED visits by insurance status, average revenue per patient from uninsured and insured children, proportion of patients enrolled in Medicaid and State Children's Health Insurance Program through this program, estimated incremental revenue from new enrollees, and program-specific incremental costs. A cost-benefit analysis and breakeven analysis was conducted to determine the impact of this intervention on ED revenues. Five thousand ninety-four uninsured children were treated during the 10 consecutive months assessed, and 4,667 were treated during program hours. One thousand eight hundred and three applications were filed, giving a program penetration rate of 39%. Eighty-four percent of applications filed were resolved (67% of these were Medicaid). Average revenue from each outpatient ED visit for Medicaid was US135.68 dollars, other insurance was US210.43 dollars, and uninsured was US15.03 dollars. Estimated incremental revenue for each uninsured patient converted to Medicaid was US120.65 dollars. Total annualized incremental revenue was US224,474 dollars, and the net incremental revenue, after accounting for program costs, was US157,414 dollars per year. A program enrolling uninsured children at an inner-city pediatric ED into government insurance was effective and generated revenue that paid for program costs.

  9. 44 CFR 61.8 - Applicability of risk premium rates.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... flood insurance made available for: (a) Any structure, the construction or substantial improvement of...

  10. 44 CFR 61.8 - Applicability of risk premium rates.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... flood insurance made available for: (a) Any structure, the construction or substantial improvement of...

  11. 44 CFR 61.8 - Applicability of risk premium rates.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... flood insurance made available for: (a) Any structure, the construction or substantial improvement of...

  12. 77 FR 55120 - Federal Housing Administration (FHA): Section 232 Healthcare Facility Insurance Program...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-07

    ...In 2010 through 2011, HUD commenced and completed the process of revising regulations applicable to, and closing documents used in, FHA insurance of multifamily rental projects, to reflect current policy and practices in the multifamily mortgage market. This final rule results from a similar process that was initiated in 2011 for revising and updating the regulations governing, and the transactional documents used in, the program for insurance of healthcare facilities under section 232 of the National Housing Act (Section 232 program). HUD's Section 232 program insures mortgage loans to facilitate the construction, substantial rehabilitation, purchase, and refinancing of nursing homes, intermediate care facilities, board and care homes, and assisted-living facilities. This rule revises the Section 232 program regulations to reflect current policy and practices, and improve accountability and strengthen risk management in the Section 232 program.

  13. 42 CFR 457.70 - Program options.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ...) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and Outreach Strategies § 457.70 Program options. (a) Health... 42 Public Health 4 2010-10-01 2010-10-01 false Program options. 457.70 Section 457.70 Public...

  14. 42 CFR 457.40 - State program administration.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... (CONTINUED) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and Outreach Strategies § 457.40 State program... 42 Public Health 4 2010-10-01 2010-10-01 false State program administration. 457.40 Section 457.40...

  15. 42 CFR 457.1 - Program description.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ...) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and Outreach Strategies § 457.1 Program description. Title XXI... 42 Public Health 4 2010-10-01 2010-10-01 false Program description. 457.1 Section 457.1 Public...

  16. 77 FR 8273 - Agency Information Collection Activities: Submission for OMB Review; Comment Request, National...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-14

    ..., National Flood Insurance Program-Mortgage Portfolio Protection Program AGENCY: Federal Emergency Management... Title: National Flood Insurance Program-Mortgage Portfolio Protection Program. OMB Number: 1660-0086... Write Your Own (WYO) company that wishes to participate in the Mortgage Portfolio Protection Program...

  17. 44 CFR Appendix A(4) to Part 61 - Appendix A(4) to Part 61

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to Dwelling Form This endorsement... in the inspection procedure, and become eligible for the sale of flood insurance. VII.B.4. This...

  18. 44 CFR Appendix A(4) to Part 61 - Appendix A(4) to Part 61

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to Dwelling Form This endorsement... in the inspection procedure, and become eligible for the sale of flood insurance. VII.B.4. This...

  19. 44 CFR 73.3 - Denial of flood insurance coverage.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1316 OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 § 73.3 Denial of flood insurance... 44 Emergency Management and Assistance 1 2012-10-01 2011-10-01 true Denial of flood insurance...

  20. 44 CFR Appendix A(5) to Part 61 - Appendix A(5) to Part 61

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to General Property Form This... in the inspection procedure, and become eligible for the sale of flood insurance. VII.B.4. This...

  1. 44 CFR Appendix A(4) to Part 61 - Appendix A(4) to Part 61

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to Dwelling Form This endorsement... in the inspection procedure, and become eligible for the sale of flood insurance. VII.B.4. This...

  2. 44 CFR Appendix A(5) to Part 61 - Appendix A(5) to Part 61

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to General Property Form This... in the inspection procedure, and become eligible for the sale of flood insurance. VII.B.4. This...

  3. 44 CFR Appendix A(5) to Part 61 - Appendix A(5) to Part 61

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to General Property Form This... in the inspection procedure, and become eligible for the sale of flood insurance. VII.B.4. This...

  4. 44 CFR Appendix A(5) to Part 61 - Appendix A(5) to Part 61

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to General Property Form This... in the inspection procedure, and become eligible for the sale of flood insurance. VII.B.4. This...

  5. 44 CFR Appendix A(4) to Part 61 - Appendix A(4) to Part 61

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to Dwelling Form This endorsement... in the inspection procedure, and become eligible for the sale of flood insurance. VII.B.4. This...

  6. 44 CFR 73.3 - Denial of flood insurance coverage.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1316 OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 § 73.3 Denial of flood insurance... 44 Emergency Management and Assistance 1 2014-10-01 2014-10-01 false Denial of flood insurance...

  7. 44 CFR Appendix A(4) to Part 61 - Appendix A(4) to Part 61

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to Dwelling Form This endorsement... in the inspection procedure, and become eligible for the sale of flood insurance. VII.B.4. This...

  8. 44 CFR Appendix A(5) to Part 61 - Appendix A(5) to Part 61

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to General Property Form This... in the inspection procedure, and become eligible for the sale of flood insurance. VII.B.4. This...

  9. 44 CFR 73.4 - Restoration of flood insurance coverage.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1316 OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 § 73.4 Restoration of flood insurance... 44 Emergency Management and Assistance 1 2012-10-01 2011-10-01 true Restoration of flood insurance...

  10. 31 CFR 50.2 - Responsible office.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance: Treasury 1 2012-07-01 2012-07-01 false Responsible office. 50.2 Section 50.2 Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM RISK INSURANCE PROGRAM... Terrorism Risk Insurance Act in the Department of the Treasury is the Terrorism Risk Insurance Program...

  11. 31 CFR 50.2 - Responsible office.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance: Treasury 1 2014-07-01 2014-07-01 false Responsible office. 50.2 Section 50.2 Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM RISK INSURANCE PROGRAM... Terrorism Risk Insurance Act in the Department of the Treasury is the Terrorism Risk Insurance Program...

  12. 31 CFR 50.51 - Adjustments to the Federal share of compensation.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... compensation. 50.51 Section 50.51 Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM... insurer's aggregate amount of insured losses for acts of terrorism in that Program Year. Amounts recovered... terrorism, or similar events. Compensation provided by Federal programs for insured losses excludes benefit...

  13. 31 CFR 50.51 - Adjustments to the Federal share of compensation.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... compensation. 50.51 Section 50.51 Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM... insurer's aggregate amount of insured losses for acts of terrorism in that Program Year. Amounts recovered... terrorism, or similar events. Compensation provided by Federal programs for insured losses excludes benefit...

  14. 31 CFR 50.2 - Responsible office.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance: Treasury 1 2013-07-01 2013-07-01 false Responsible office. 50.2 Section 50.2 Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM RISK INSURANCE PROGRAM... Terrorism Risk Insurance Act in the Department of the Treasury is the Terrorism Risk Insurance Program...

  15. 31 CFR 50.51 - Adjustments to the Federal share of compensation.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... compensation. 50.51 Section 50.51 Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM... insurer's aggregate amount of insured losses for acts of terrorism in that Program Year. Amounts recovered... terrorism, or similar events. Compensation provided by Federal programs for insured losses excludes benefit...

  16. 31 CFR 50.2 - Responsible office.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance: Treasury 1 2011-07-01 2011-07-01 false Responsible office. 50.2 Section 50.2 Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM RISK INSURANCE PROGRAM... Terrorism Risk Insurance Act in the Department of the Treasury is the Terrorism Risk Insurance Program...

  17. 78 FR 49367 - Regulations Pertaining to the Disclosure of Return Information To Carry Out Eligibility...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-14

    ... Health Insurance Affordability Programs AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final..., a State's children's health insurance program under title XXI of the Social Security Act (CHIP), or... each individual whose income is relevant to the determination of eligibility for health insurance...

  18. 44 CFR Appendix B to Part 62 - National Flood Insurance Program

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 44 Emergency Management and Assistance 1 2011-10-01 2011-10-01 false National Flood Insurance Program B Appendix B to Part 62 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY... Emergency Management Agency (FEMA)) may enter into an arrangement with individual private sector insurance...

  19. Group Insurance, Bond Issuance and Annuity Programs.

    ERIC Educational Resources Information Center

    Nicholas, Everett E., Jr.

    This chapter reviews recent and emerging legal concerns in the increasingly varied and complex areas of group insurance, bond issuance, and annuity programs, each of which will impinge significantly on school operations in the years ahead, thus involving more staff and administrative time. Group insurance has developed into a major bargaining…

  20. 78 FR 62941 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-22

    ... information collection request may be found at www.reginfo.gov . Terrorism Risk Insurance Program (TRIP) OMB...: Section 103(a) and 104 of the Terrorism Risk Insurance Act (TRIA) of 2002 (Pub. L. 107-297) authorize the Department of the Treasury to administer and implement the temporary Terrorism Risk Insurance Program...

  1. 24 CFR 1006.330 - Insurance coverage.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 4 2014-04-01 2014-04-01 false Insurance coverage. 1006.330... DEVELOPMENT NATIVE HAWAIIAN HOUSING BLOCK GRANT PROGRAM Program Requirements § 1006.330 Insurance coverage. (a... coverage for housing units that are owned or operated or assisted with more than $5,000 of NHHBG funds...

  2. 24 CFR 1006.330 - Insurance coverage.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 4 2013-04-01 2013-04-01 false Insurance coverage. 1006.330... DEVELOPMENT NATIVE HAWAIIAN HOUSING BLOCK GRANT PROGRAM Program Requirements § 1006.330 Insurance coverage. (a... coverage for housing units that are owned or operated or assisted with more than $5,000 of NHHBG funds...

  3. 44 CFR 60.1 - Purpose of subpart.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program CRITERIA FOR LAND MANAGEMENT AND USE Requirements for Flood Plain Management Regulations § 60.1 Purpose of subpart. (a) The Act provides that flood insurance shall not be sold or renewed under the program within a community, unless the...

  4. 44 CFR 60.1 - Purpose of subpart.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program CRITERIA FOR LAND MANAGEMENT AND USE Requirements for Flood Plain Management Regulations § 60.1 Purpose of subpart. (a) The Act provides that flood insurance shall not be sold or renewed under the program within a community, unless the...

  5. 44 CFR 60.1 - Purpose of subpart.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program CRITERIA FOR LAND MANAGEMENT AND USE Requirements for Flood Plain Management Regulations § 60.1 Purpose of subpart. (a) The Act provides that flood insurance shall not be sold or renewed under the program within a community, unless the...

  6. 44 CFR 60.1 - Purpose of subpart.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program CRITERIA FOR LAND MANAGEMENT AND USE Requirements for Flood Plain Management Regulations § 60.1 Purpose of subpart. (a) The Act provides that flood insurance shall not be sold or renewed under the program within a community, unless the...

  7. 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)

  8. 44 CFR 68.8 - Scope of review.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program ADMINISTRATIVE HEARING PROCEDURES... the Federal Insurance Administrator are scientifically or technically incorrect; the FIRM; the flood insurance study; its backup data and the references used in development of the flood insurance study; and...

  9. 44 CFR 68.8 - Scope of review.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program ADMINISTRATIVE HEARING PROCEDURES... the Federal Insurance Administrator are scientifically or technically incorrect; the FIRM; the flood insurance study; its backup data and the references used in development of the flood insurance study; and...

  10. 44 CFR 68.8 - Scope of review.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program ADMINISTRATIVE HEARING PROCEDURES... the Federal Insurance Administrator are scientifically or technically incorrect; the FIRM; the flood insurance study; its backup data and the references used in development of the flood insurance study; and...

  11. Barriers to Enrollment in Health Coverage in Colorado.

    PubMed

    Martin, Laurie T; Bharmal, Nazleen; Blanchard, Janice C; Harvey, Melody; Williams, Malcolm

    2015-03-20

    As part of the implementation of the Affordable Care Act, Colorado has expanded Medicaid and also now operates its own health insurance exchange for individuals (called Connect for Health Colorado). As of early 2014, more than 300,000 Coloradans have newly enrolled in Medicaid or health insurance through Connect for Health Colorado, but there also continues to be a diverse mix of individuals in Colorado who remain eligible for but not enrolled in either private insurance or Medicaid. The Colorado Health Foundation commissioned the RAND Corporation to conduct a study to better understand why these individuals are not enrolled in health insurance coverage and to develop recommendations for how Colorado can strengthen its outreach and enrollment efforts during the next open enrollment period, which starts in November 2014. RAND conducted focus groups with uninsured and newly insured individuals across the state and interviews with local stakeholders responsible for enrollment efforts in their regions. The authors identified 11 commonly cited barriers, as well as several that were specific to certain regions or populations (such as young adults and seasonal workers). Collectively, these barriers point to a set of four priority recommendations that stakeholders in Colorado may wish to consider: (1) Support and expand localized outreach and tailored messaging; (2) Strengthen marketing and messaging to be clear, focused on health benefits of insurance (rather than politics and mandates), and actionable; (3) Improve the clarity and transparency of insurance and health care costs and enrollment procedures; and (4) Revisit the two-stage enrollment process and improve Connect for Health Colorado website navigation and technical support.

  12. The Effect of Child Health Insurance Access on Schooling: Evidence from Public Insurance Expansions. NBER Working Paper No. 20178

    ERIC Educational Resources Information Center

    Cohodes, Sarah; Kleiner, Samuel; Lovenheim, Michael F.; Grossman, Daniel

    2014-01-01

    Public health insurance programs comprise a large share of federal and state government expenditure, and these programs are due to be expanded as part of the 2010 Affordable Care Act. Despite a large literature on the effects of these programs on health care utilization and health outcomes, little prior work has examined the long-term effects of…

  13. The influence of insurance status on waiting times in German acute care hospitals: an empirical analysis of new data

    PubMed Central

    2009-01-01

    Background There is an ongoing debate in Germany about the assumption that patients with private health insurance (PHI) benefit from better access to medical care, including shorter waiting times (Lüngen et al. 2008), compared to patients with statutory health insurance (SHI). Problem Existing analyses of the determinants for waiting times in Germany are a) based on patient self-reports and b) do not cover the inpatient sector. This paper aims to fill both gaps by (i) generating new primary data and (ii) analyzing waiting times in German hospitals. Methods We requested individual appointments from 485 hospitals within an experimental study design, allowing us to analyze the impact of PHI versus SHI on waiting times (Asplin et al. 2005). Results In German acute care hospitals patients with PHI have significantly shorter waiting times than patients with SHI. Conclusion Discrimination in waiting times by insurance status does occur in the German acute hospital sector. Since there is very little transparency in treatment quality in Germany, we do not know whether discrimination in waiting times leads to discrimination in the quality of treatment. This is an important issue for future research. PMID:20025744

  14. 31 CFR 103.137 - Anti-money laundering programs for insurance companies.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Anti-money laundering programs for... Finance FINANCIAL RECORDKEEPING AND REPORTING OF CURRENCY AND FOREIGN TRANSACTIONS Anti-Money Laundering Programs Anti-Money Laundering Programs § 103.137 Anti-money laundering programs for insurance companies...

  15. 44 CFR 61.1 - Purpose of part.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.1 Purpose of part. This part describes the types of properties eligible for flood insurance coverage...

  16. 44 CFR 61.1 - Purpose of part.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.1 Purpose of part. This part describes the types of properties eligible for flood insurance coverage...

  17. 44 CFR 61.1 - Purpose of part.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.1 Purpose of part. This part describes the types of properties eligible for flood insurance coverage...

  18. 44 CFR 61.1 - Purpose of part.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.1 Purpose of part. This part describes the types of properties eligible for flood insurance coverage...

  19. 44 CFR 61.1 - Purpose of part.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.1 Purpose of part. This part describes the types of properties eligible for flood insurance coverage...

  20. 24 CFR 206.102 - General Insurance Fund.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Insurance Fund. [60 FR 42761, Aug. 16, 1995] Mortgage Insurance Premiums ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false General Insurance Fund. 206.102... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...

  1. 24 CFR 206.102 - General Insurance Fund.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Insurance Fund. [60 FR 42761, Aug. 16, 1995] Mortgage Insurance Premiums ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false General Insurance Fund. 206.102... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...

  2. Low-budget policy tool to empower Israeli insureds to demand their rights in the healthcare system.

    PubMed

    Brammli-Greenberg, Shuli; Waitzberg, Ruth; Medina-Artom, Tamar; Adijes-Toren, Ariella

    2014-12-01

    Since 1995 universal healthcare coverage has been provided in Israel through National Health Insurance (NHI). Although the country has lower rates of health spending than most OECD countries, the NHI Law stipulates that a broad benefits package will be provided by four competing Health Plans (HPs). These third-party payers manage healthcare utilization and cost through mechanisms that affect both provider and consumer behavior. Cost Containment is one of their main organizational objectives. The Ministry of Health (MoH) supervises HPs to ensure that they provide their members with adequate healthcare of high quality in accordance with the NHI Law and uphold the principles of efficiency and equity. In this paper we report on a policy instrument recently introduced by the MoH which enables it to share some of its responsibility for supervision with the insureds. This policy instrument is a website launched in 2014 that gives access to transparent information about the coverage of the NHI and voluntary health insurance (VHI) benefits packages. The idea is to empower insureds with knowledge and awareness of their rights and eligibility to benefits, so they can demand them from the HPs and/or private insurers; if refused, they can refer the case to the supervisor (the MoH). This policy instrument addresses market failures related to information asymmetry and can potentially improve competition among the HPs and within the VHI market. Copyright © 2014 The Authors. Published by Elsevier Ireland Ltd.. All rights reserved.

  3. Public insurance expansions and crowd out of private coverage.

    PubMed

    Marquis, M Susan; Long, Stephen H

    2003-03-01

    The extent to which persons enrolling in new public insurance programs substitute the public coverage for private insurance is of concern to policy makers. To look at the extent of the substitution resulting from new state programs that cover a broad base of the low-income population and to look at the responses of both families and employers. The March CPS for 1991-1993 and 1997-1998 were used to study the responses of families. Two large national surveys of employers with information about the employment-based system in 1993 and 1997 were used to study employer responses. The analysis looks at changes in coverage and employer offer rates before and after the public insurance expansions in selected states and compares these changes to those in a control group in states without expansions. Coverage by private insurance for low-income persons in states with expansions fell by more than expected based on the control states, indicating some substitution of public coverage for private insurance. Changes in employee coverage in own-employer sponsored insurance accord with this result. The expansion of public insurance has a bigger effect on employer offer decisions when a large share of its workers is eligible for public programs. The results show a significant substitution of public insurance for private coverage in the expansions studied. However, endogeneity of state expansion policies and possible confounding with other policy changes temper the conclusions. More recent public insurance expansions as part of the State Childrens' Health Insurance Program have adopted a range of methods to limit crowd out. Future research is needed to evaluate whether these procedures and rules have succeeded.

  4. 75 FR 40848 - Agency Information Collection Activities: Submission for OMB Review; Comment Request, OMB No...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-14

    ...; National Flood Insurance Program--Mortgage Portfolio Protection Program (MPPP) AGENCY: Federal Emergency... . SUPPLEMENTARY INFORMATION: Collection of Information Title: National Flood Insurance Program--Mortgage Portfolio... Portfolio Protection Program Agreement and complete the acknowledgement either agreeing to participate in...

  5. 44 CFR 61.11 - Effective date and time of coverage under the Standard Flood Insurance Policy-New Business...

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.11 Effective date and time of coverage under the Standard Flood Insurance Policy—New Business... coverage under the Standard Flood Insurance Policy-New Business Applications and Endorsements. 61.11...

  6. 44 CFR 61.11 - Effective date and time of coverage under the Standard Flood Insurance Policy-New Business...

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.11 Effective date and time of coverage under the Standard Flood Insurance Policy—New Business... coverage under the Standard Flood Insurance Policy-New Business Applications and Endorsements. 61.11...

  7. 44 CFR 61.11 - Effective date and time of coverage under the Standard Flood Insurance Policy-New Business...

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.11 Effective date and time of coverage under the Standard Flood Insurance Policy—New Business... coverage under the Standard Flood Insurance Policy-New Business Applications and Endorsements. 61.11...

  8. 44 CFR 61.11 - Effective date and time of coverage under the Standard Flood Insurance Policy-New Business...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE COVERAGE AND RATES § 61.11 Effective date and time of coverage under the Standard Flood Insurance Policy—New Business... coverage under the Standard Flood Insurance Policy-New Business Applications and Endorsements. 61.11...

  9. 24 CFR 203.259a - Scope.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-in General § 203.259a Scope... Insurance Premiums—Periodic Payment ...

  10. 24 CFR 203.259a - Scope.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-in General § 203.259a Scope... Insurance Premiums—Periodic Payment ...

  11. Application of preventive medicine resources in the health insurance system.

    PubMed

    Oliveira, Karla Regina Dias de; Liberal, Márcia Mello Costa de; Zucchi, Paola

    2015-01-01

    To identify the financial resources and investments provided for preventive medicine programs by health insurance companies of all kinds. Data were collected from 30 large health insurance companies, with over 100 thousand individuals recorded, and registered at the Agência Nacional de Saúde Suplementar. It was possible to identify the percentage of participants of the programs in relation to the total number of beneficiaries of the health insurance companies, the prevention and promotion actions held in preventive medicine programs, the inclusion criteria for the programs, as well as the evaluation of human resources and organizational structure of the preventive medicine programs. Most of the respondents (46.7%) invested more than US$ 50,000.00 in preventive medicine program, while 26.7% invested more than US$ 500,000.00. The remaining, about 20%, invested less than US$ 50,000.00, and 3.3% did not report the value applied.

  12. Application of preventive medicine resources in the health insurance system

    PubMed Central

    de Oliveira, Karla Regina Dias; Liberal, Márcia Mello Costa De; Zucchi, Paola

    2015-01-01

    ABSTRACT Objective To identify the financial resources and investments provided for preventive medicine programs by health insurance companies of all kinds. Methods Data were collected from 30 large health insurance companies, with over 100 thousand individuals recorded, and registered at the Agência Nacional de Saúde Suplementar. Results It was possible to identify the percentage of participants of the programs in relation to the total number of beneficiaries of the health insurance companies, the prevention and promotion actions held in preventive medicine programs, the inclusion criteria for the programs, as well as the evaluation of human resources and organizational structure of the preventive medicine programs. Conclusion Most of the respondents (46.7%) invested more than US$ 50,000.00 in preventive medicine program, while 26.7% invested more than US$ 500,000.00. The remaining, about 20%, invested less than US$ 50,000.00, and 3.3% did not report the value applied. PMID:26761558

  13. Is Health Care a Right? Health Reforms in the USA and their Impact Upon the Concept of Care.

    PubMed

    Maruthappu, Mahiben; Ologunde, Rele; Gunarajasingam, Ayinkeran

    2013-01-01

    In 2008 United States President Barack Obama declared that health care "should be a right for every American".(1) This statement, although noble, does not reflect US healthcare statistics in recent times, with the number of uninsured reaching over 50 million in 2010.(2) Such disparity has sparked a political drive towards change, and the introduction of the Patient Protection and Affordable Care Act (PPACA).(3) These changes have been highly polemical, raising the fundamental question of whether health care is a right; a contract between the nation and its inhabitants granted at birth, or an entitlement; a privilege that must be earned as opposed to universally provided. Access to healthcare in the US is mediated by insurance coverage, either in the form of private or employer based cover, which may be government based for public sector employees or private for private sector employees. The majority of spending on healthcare however, comes from government expenditure on health programs such as Medicare, Medicaid, Tricare, and the State Children's Health Insurance Program (SCHIP).(4) Medicare is a federal government funded social insurance program that provides health insurance to people aged 65 and older, younger people with disabilities, and those with end stage renal failure requiring dialysis. Medicaid is a means tested insurance coverage program for individuals with low incomes and their families, and is jointly funded by state and federal governments. Tricare is a healthcare program that provides healthcare insurance for military personnel, retirees, and their dependents. The SCHIP provides states with federal government funding to provide health insurance to children from families with modest incomes that do not qualify for Medicaid. As such, although the majority of the US population is insured by federal, state, employer, or private health insurance, the remainders go uninsured.

  14. 2011 Annual Health Physics Report for the HEU transparency Program

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Radev, R

    2012-04-30

    During the 2008 calendar year, Lawrence Livermore National Laboratory (LLNL) provided health physics support for the Highly Enriched Uranium (HEU) Transparency Program for external and internal radiation protection. They also provided technical expertise related to BDMS radioactive sources and Russian radiation safety regulatory compliance. For the calendar year 2008, there were 158 person-trips that required dose monitoring of the U.S. monitors. Of the 158 person-trips, 148 person-trips were SMVs and 10 person-trips were Transparency Monitoring Office (TMO) trips. There were 6 monitoring visits by TMO monitors to facilities other than UEIE and 8 to UEIE itself. There were three monitoringmore » visits (source changes) that were back-to-back with a total of 24 monitors. LLNL's Hazard Control Department laboratories provided the dosimetry services for the HEU Transparency monitors. In 2008, the HEU Transparency activities in Russia were conducted in a radiologically safe manner for the HEU Transparency monitors in accordance with the expectations of the HEU Transparency staff, NNSA and DOE. The HEU Transparency now has thirteen years of successful experience in developing and providing health and safety support in meeting its technical objectives.« less

  15. 2008 Annual Health Physics Report for the HEU Transparency Program

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Radev, R.

    2009-03-24

    During the 2008 calendar year, Lawrence Livermore National Laboratory (LLNL) provided health physics support for the Highly Enriched Uranium (HEU) Transparency Program for external and internal radiation protection. They also provided technical expertise related to BDMS radioactive sources and Russian radiation safety regulatory compliance. For the calendar year 2008, there were 158 person-trips that required dose monitoring of the U.S. monitors. Of the 158 person-trips, 148 person-trips were SMVs and 10 person-trips were Transparency Monitoring Office (TMO) trips. There were 6 monitoring visits by TMO monitors to facilities other than UEIE and 8 to UEIE itself. There were three monitoringmore » visits (source changes) that were back-to-back with a total of 24 monitors. LLNL’s Hazard Control Department laboratories provided the dosimetry services for the HEU Transparency monitors. In 2008, the HEU Transparency activities in Russia were conducted in a radiologically safe manner for the HEU Transparency monitors in accordance with the expectations of the HEU Transparency staff, NNSA and DOE. The HEU Transparency now has thirteen years of successful experience in developing and providing health and safety support in meeting its technical objectives.« less

  16. 12 CFR 221.122 - Applicability of margin requirements to credit in connection with Insurance Premium Funding...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... in connection with Insurance Premium Funding Programs. 221.122 Section 221.122 Banks and Banking...) Interpretations § 221.122 Applicability of margin requirements to credit in connection with Insurance Premium Funding Programs. (a) The Board has been asked numerous questions regarding purpose credit in connection...

  17. 12 CFR 221.122 - Applicability of margin requirements to credit in connection with Insurance Premium Funding...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... in connection with Insurance Premium Funding Programs. 221.122 Section 221.122 Banks and Banking...) Interpretations § 221.122 Applicability of margin requirements to credit in connection with Insurance Premium Funding Programs. (a) The Board has been asked numerous questions regarding purpose credit in connection...

  18. 76 FR 32981 - Agency Information Collection Activities: Proposed Collection; Comment Request, Write Your Own...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-07

    ... into arrangements with individual private sector insurance companies that are licensed to engage in the... Federal Government will be a grantor of flood insurance coverage for WYO Company policies issued under the... Program (NFIP) by private sector property insurance companies under the WYO Program. Collection of...

  19. 24 CFR 266.405 - Title.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Mortgage and Closing...

  20. State Children's Health Insurance Program. CMS Should Improve Efforts to Assess whether SCHIP is Substituting for Private Insurance: Report to the Chairman, Committee on Finance, U.S. Senate. GAO-09-252

    ERIC Educational Resources Information Center

    US Government Accountability Office, 2009

    2009-01-01

    Congress created the State Children's Health Insurance Program (SCHIP) to reduce the number of uninsured children in low-income families that do not qualify for Medicaid. States have flexibility in structuring their SCHIP programs, and their income eligibility limits vary. Concerns have been raised that individuals might substitute SCHIP for…

  1. 42 CFR 457.120 - Public involvement in program development.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... SERVICES (CONTINUED) STATE CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and Outreach Strategies § 457.120 Public... 42 Public Health 4 2010-10-01 2010-10-01 false Public involvement in program development. 457.120...

  2. 44 CFR 79.3 - Responsibilities.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS... oversight to all FEMA-related hazard mitigation programs and grants, including: (1) Issue program... Indian tribal governments regarding the mitigation and grants management process; (5) Review and approve...

  3. 44 CFR 79.3 - Responsibilities.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS... oversight to all FEMA-related hazard mitigation programs and grants, including: (1) Issue program... Indian tribal governments regarding the mitigation and grants management process; (5) Review and approve...

  4. 44 CFR 79.3 - Responsibilities.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS... oversight to all FEMA-related hazard mitigation programs and grants, including: (1) Issue program... Indian tribal governments regarding the mitigation and grants management process; (5) Review and approve...

  5. 44 CFR 79.3 - Responsibilities.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS § 79.3...-related hazard mitigation programs and grants, including: (1) Issue program implementation procedures, as... governments regarding the mitigation and grants management process; (5) Review and approve State, Indian...

  6. 44 CFR 79.3 - Responsibilities.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS... oversight to all FEMA-related hazard mitigation programs and grants, including: (1) Issue program... Indian tribal governments regarding the mitigation and grants management process; (5) Review and approve...

  7. A distributional assessment of Rhode Island's Catastrophic Health Insurance Plan (CHIP)

    PubMed Central

    Lord, Blair M.

    1984-01-01

    Since 1975, Rhode Island has operated a government-sponsored catastrophic health insurance program that is consistent in spirit with several of the national health insurance proposals. An important but often overlooked effect of such a program is its effect on the distribution of income. Actual claims data for the years 1975-79 are available for the Rhode Island program permitting direct estimation of an average benefit per family and an average tax burden per family in each of 12 income classes. This permits an assessment of the program's redistributional effects. PMID:10310850

  8. 44 CFR Appendix A(6) to Part 61 - Appendix A(6) to Part 61

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to Residential Condominium Building..., 1999, agree to participate in the inspection procedure, and become eligible for the sale of flood...

  9. 44 CFR Appendix A(6) to Part 61 - Appendix A(6) to Part 61

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to Residential Condominium Building..., 1999, agree to participate in the inspection procedure, and become eligible for the sale of flood...

  10. 44 CFR 59.22 - Prerequisites for the sale of flood insurance.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... flood insurance. 59.22 Section 59.22 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS Eligibility Requirements § 59.22 Prerequisites for the sale of flood insurance. (a) To...

  11. 44 CFR 59.22 - Prerequisites for the sale of flood insurance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... flood insurance. 59.22 Section 59.22 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS Eligibility Requirements § 59.22 Prerequisites for the sale of flood insurance. (a) To...

  12. 44 CFR 59.22 - Prerequisites for the sale of flood insurance.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... flood insurance. 59.22 Section 59.22 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS Eligibility Requirements § 59.22 Prerequisites for the sale of flood insurance. (a) To...

  13. 44 CFR Appendix A(6) to Part 61 - Appendix A(6) to Part 61

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to Residential Condominium Building..., 1999, agree to participate in the inspection procedure, and become eligible for the sale of flood...

  14. 44 CFR 59.22 - Prerequisites for the sale of flood insurance.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... flood insurance. 59.22 Section 59.22 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program GENERAL PROVISIONS Eligibility Requirements § 59.22 Prerequisites for the sale of flood insurance. (a) To...

  15. 44 CFR Appendix A(6) to Part 61 - Appendix A(6) to Part 61

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to Residential Condominium Building..., 1999, agree to participate in the inspection procedure, and become eligible for the sale of flood...

  16. 44 CFR Appendix A(6) to Part 61 - Appendix A(6) to Part 61

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program INSURANCE... Insurance Administration Standard Flood Insurance Policy Endorsement to Residential Condominium Building..., 1999, agree to participate in the inspection procedure, and become eligible for the sale of flood...

  17. Trends in Health Insurance Coverage of Title X Family Planning Program Clients, 2005-2015.

    PubMed

    Decker, Emily J; Ahrens, Katherine A; Fowler, Christina I; Carter, Marion; Gavin, Loretta; Moskosky, Susan

    2018-05-01

    The federal Title X Family Planning Program supports the delivery of family planning services and related preventive care to 4 million individuals annually in the United States. The implementation of the 2010 Affordable Care Act's (ACA's) Medicaid expansion and provisions expanding access to health insurance, which took effect in January 2014, resulted in higher rates of health insurance coverage in the U.S. population; the ACA's impact on individuals served by the Title X program has not yet been evaluated. Using administrative data we examined changes in health insurance coverage among Title X clinic patients during 2005-2015. We found that the percentage of clients without health insurance decreased from 60% in 2005 to 48% in 2015, with the greatest annual decrease occurring between 2013 and 2014 (63% to 54%). Meanwhile, between 2005 and 2015, the percentage of clients with Medicaid or other public health insurance increased from 20% to 35% and the percentage of clients with private health insurance increased from 8% to 15%. Although clients attending Title X clinics remained uninsured at substantially higher rates compared with the national average, the increase in clients with health insurance coverage aligns with the implementation of ACA-related provisions to expand access to affordable health insurance.

  18. 44 CFR Appendix B to Part 62 - National Flood Insurance Program

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... obtain a copy of “The Write Your Own Program Financial Control Plan Requirements and Procedures” by... Plan to Maintain Financial Control for Business Written Under the Write Your Own Program. (a) In general. Under the Write Your Own (WYO) Program, we (the Federal Insurance Administration (FIA), Federal...

  19. Self-insurance and worksite alcohol programs: an econometric analysis.

    PubMed

    Kenkel, D S

    1997-03-01

    The worksite is an important point of access for alcohol treatment and prevention, but not all firms are likely to find offering alcohol programs profitable. This study attempts to identify at a conceptual and empirical level factors that are important determinants of the profitability of worksite alcohol programs. A central question considered in the empirical analysis is whether firms' decisions about worksite alcohol programs are related to how employee group health insurance is provided. The data used are from the 1992 National Survey of Worksite Health Promotion Activities (N = 1,389-1,412). The econometric analysis focuses on measures of whether the surveyed firms offer Employee Assistance Programs (EAPs), individual counseling, group classes and resource materials regarding alcohol and other substance abuse. Holding other factors constant, the probability that a self-insured firm offers an EAP is estimated to be 59%, compared to 51% for a firm that purchases market group health insurance for its employees. Unionized worksites and larger worksites are also found to be more likely to offer worksite alcohol programs, compared to nonunionized smaller worksites. Worksites with younger work-forces are less likely than those with older employees to offer alcohol programs. The empirical results are consistent with the conceptual framework from labor economics, since self-insurance is expected to increase firms' demand for worksite alcohol programs while large worksite is expected to reduce the average program cost. The role of union status and workforce age suggests it is important to consider workers' preferences for the programs as fringe benefits. The results also suggest that the national trend towards self-insurance may be leading to more prevention and treatment of worker alcohol-related problems.

  20. 48 CFR 2115.270 - Applicability.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... to provide life insurance through the FEGLI Program in insurance industry periodicals and other... GROUP LIFE INSURANCE FEDERAL ACQUISITION REGULATION CONTRACTING METHODS AND CONTRACT TYPES CONTRACTING... applications. (c) Eligible contractors (i.e., qualified life insurance companies) are identified in accordance...

  1. 78 FR 75677 - Proposed Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-12

    ... concerning the Commercial Property and Casualty Insurers Submission for Federal Share Compensation... with ``PRA Comments--Commercial Property and Casualty Insurers Submission for Federal Share...-0200. Title: Terrorism Risk Insurance Program--Commercial Property and Casualty Insurers Submission for...

  2. 24 CFR 206.103 - Payment of MIP.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.103 Payment... cash, until the contract of insurance is terminated. ...

  3. 24 CFR 206.103 - Payment of MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.103 Payment... cash, until the contract of insurance is terminated. ...

  4. 44 CFR 63.4 - Property not covered.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.4 Property not covered. Benefits... the Standard Flood Insurance Policy (SFIP). ...

  5. 44 CFR 63.4 - Property not covered.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.4 Property not covered. Benefits... the Standard Flood Insurance Policy (SFIP). ...

  6. 44 CFR 63.4 - Property not covered.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.4 Property not covered. Benefits... the Standard Flood Insurance Policy (SFIP). ...

  7. 44 CFR 63.4 - Property not covered.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.4 Property not covered. Benefits... the Standard Flood Insurance Policy (SFIP). ...

  8. 44 CFR 63.4 - Property not covered.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.4 Property not covered. Benefits... the Standard Flood Insurance Policy (SFIP). ...

  9. 78 FR 10525 - Assistance to States for the Education of Children With Disabilities

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-14

    ... public benefits or insurance (e.g., Medicaid) to pay for a specified type, amount, and cost of services... cost of services billed to the public benefits or insurance program, the public agency must provide the... cost of services to be billed to the public benefits or insurance program (e.g., Medicaid). However...

  10. Teaching Social Insurance in Higher Education. Occasional Papers. Number 6

    ERIC Educational Resources Information Center

    Estes, Carroll L.; Grossman, Brian R.; Rogne, Leah; Hollister, Brooke; Solway, Erica

    2008-01-01

    The ongoing debates about the future of social insurance programs such as Social Security and Medicare raise questions about the public's knowledge of the history of social insurance and about the impact these programs have on millions of Americans. In general, public conversations about social policies in the U.S. tend to focus on whether or not…

  11. 44 CFR 73.4 - Restoration of flood insurance coverage.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Restoration of flood... AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1316 OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 § 73.4 Restoration of flood insurance...

  12. 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... 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 one-half...

  13. 44 CFR 73.4 - Restoration of flood insurance coverage.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1316 OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 § 73.4 Restoration of flood insurance... 44 Emergency Management and Assistance 1 2014-10-01 2014-10-01 false Restoration of flood...

  14. 44 CFR 79.5 - Application process.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS.... (3) Participation in these flood mitigation grant programs is voluntary, and States may elect not to...

  15. 44 CFR 79.5 - Application process.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS.... (3) Participation in these flood mitigation grant programs is voluntary, and States may elect not to...

  16. 44 CFR 79.5 - Application process.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS.... (3) Participation in these flood mitigation grant programs is voluntary, and States may elect not to...

  17. 44 CFR 79.5 - Application process.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS.... (3) Participation in these flood mitigation grant programs is voluntary, and States may elect not to...

  18. 44 CFR 79.5 - Application process.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS.... (3) Participation in these flood mitigation grant programs is voluntary, and States may elect not to...

  19. The Role of Public Health Insurance in Reducing Child Poverty.

    PubMed

    Wherry, Laura R; Kenney, Genevieve M; Sommers, Benjamin D

    2016-04-01

    Over the past 30 years, there have been major expansions in public health insurance for low-income children in the United States through Medicaid, the Children's Health Insurance Program (CHIP), and other state-based efforts. In addition, many low-income parents have gained Medicaid coverage since 2014 under the Affordable Care Act. Most of the research to date on health insurance coverage among low-income populations has focused on its effect on health care utilization and health outcomes, with much less attention to the financial protection it offers families. We review a growing body of evidence that public health insurance provides important financial benefits to low-income families. Expansions in public health insurance for low-income children and adults are associated with reduced out of pocket medical spending, increased financial stability, and improved material well-being for families. We also review the potential poverty-reducing effects of public health insurance coverage. When out of pocket medical expenses are taken into account in defining the poverty rate, Medicaid plays a significant role in decreasing poverty for many children and families. In addition, public health insurance programs connect families to other social supports such as food assistance programs that also help reduce poverty. We conclude by reviewing emerging evidence that access to public health insurance in childhood has long-term effects for health and economic outcomes in adulthood. Exposure to Medicaid and CHIP during childhood has been linked to decreased mortality and fewer chronic health conditions, better educational attainment, and less reliance on government support later in life. In sum, the nation's public health insurance programs have many important short- and long-term poverty-reducing benefits for low-income families with children. Copyright © 2016 Academic Pediatric Association. Published by Elsevier Inc. All rights reserved.

  20. 44 CFR 73.1 - Purpose of part.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1316 OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 § 73.1 Purpose of part. This part implements section 1316 of the National Flood Insurance Act of 1968. ...

  1. 44 CFR 73.1 - Purpose of part.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1316 OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 § 73.1 Purpose of part. This part implements section 1316 of the National Flood Insurance Act of 1968. ...

  2. 44 CFR 68.1 - Purpose of part.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program ADMINISTRATIVE HEARING PROCEDURES... Insurance Administrator's base flood elevation determinations, whether proposed pursuant to section 1363(e...

  3. 44 CFR 68.1 - Purpose of part.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program ADMINISTRATIVE HEARING PROCEDURES... Insurance Administrator's base flood elevation determinations, whether proposed pursuant to section 1363(e...

  4. 44 CFR 68.1 - Purpose of part.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program ADMINISTRATIVE HEARING PROCEDURES... Insurance Administrator's base flood elevation determinations, whether proposed pursuant to section 1363(e...

  5. Health insurance systems in five Sub-Saharan African countries: medicine benefits and data for decision making.

    PubMed

    Carapinha, João L; Ross-Degnan, Dennis; Desta, Abayneh Tamer; Wagner, Anita K

    2011-03-01

    Medicine benefits through health insurance programs have the potential to improve access to and promote more effective use of affordable, high quality medicines. Information is lacking about medicine benefits provided by health insurance programs in Sub-Saharan Africa. We describe the structure of medicine benefits and data routinely available for decision-making in 33 health insurance programs in Ghana, Kenya, Nigeria, Tanzania and Uganda. Most programs surveyed were private, for profit schemes covering voluntary enrollees, mostly in urban areas. Almost all provide both inpatient and outpatient medicine benefits, with members sharing the cost of medicines in all programs. Some programs use strategies that are common in high-income countries to manage the medicine benefits, such as formularies, generics policies, reimbursement limits, or price negotiation. Basic data to monitor performance in delivering medicine benefits are available in most programs, but key data elements and the resources needed to generate useful management information from the available data are typically missing. Many questions remain unanswered about the design, implementation, and effects of specific medicines policies in the emerging and expanding health insurance programs in Sub-Saharan Africa. These include questions about the most effective medicines policy choices, given different corporate and organizational structures and resources; impacts of specific benefit designs on quality and affordability of care and health outcomes; and ways to facilitate use of routine data for monitoring. Technical capacity building, strong government commitment, and international donor support will be needed to realize the benefits of medicines coverage in emerging and expanding health insurance programs in Sub-Saharan Africa. Copyright © 2010 Elsevier Ireland Ltd. All rights reserved.

  6. 78 FR 17900 - Shared Responsibility Payment for Not Maintaining Minimum Essential Coverage; Correction

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-25

    ... program under title XIX of the Social Security Act, (3) the Children's Health Insurance Program (CHIP... program under title XIX of the Social Security Act; (3) the Children's Health Insurance Program (CHIP... qualified health plans in which the taxpayers or a member of the taxpayers family (coverage family) is...

  7. 24 CFR 206.115 - [Reserved

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.115 [Reserved] ...

  8. 24 CFR 206.116 - Refunds.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.116 Refunds...

  9. 24 CFR 206.115 - [Reserved

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.115 [Reserved] ...

  10. 24 CFR 206.116 - Refunds.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.116 Refunds...

  11. Determinants of health insurance ownership among women in Kenya: evidence from the 2008–09 Kenya demographic and health survey

    PubMed Central

    2014-01-01

    Background The Government of Kenya is making plans to implement a social health insurance program by transforming the National Hospital Insurance Fund (NHIF) into a universal health coverage program. The objective of this study was to examine the determinants associated with health insurance ownership among women in Kenya. Methods Data came from the 2008–09 Kenya Demographic and Health Survey, a nationally representative survey. The sample comprised 8,435 women aged 15–49 years. Descriptive statistics and multivariable logistic regression analysis were used to describe the characteristics of the sample and to identify factors associated with health insurance ownership. Results Being employed in the formal sector, being married, exposure to the mass media, having secondary education or higher, residing in households in the middle or rich wealth index categories and residing in a female-headed household were associated with having health insurance. However, region of residence was associated with a lower likelihood of having insurance coverage. Women residing in Central (OR = 0.4; p < 0.01) and North Eastern (OR = 0.1; p < 0.5) provinces were less likely to be insured compared to their counterparts in Nairobi province. Conclusions As the Kenyan government transforms the NHIF into a universal health program, it is important to implement a program that will increase equity and access to health care services among the poor and vulnerable groups. PMID:24678655

  12. School Insurance: Managing the Local Program. Bulletin, 1959, No. 23

    ERIC Educational Resources Information Center

    Finchum, R. N.; Viles, N. E.

    1959-01-01

    This study is the second in a series of publications by the Office of Education on school insurance. Data for this study were adapted from many sources. Among these sources were books of a technical nature, professional magazine articles, State insurance guides, research studies, insurance rating schedules, insurance company bulletins, and…

  13. How to Dance with Your Insurance Company.

    ERIC Educational Resources Information Center

    Mobley, Michael

    1984-01-01

    Explains how experiential programs and organizations can improve relationships with their insurance companies by understanding the insurance industry's perspective and techniques of risk management. Suggests 22 specific items of information that experiential education organizations should share with insurers to demonstrate understanding and…

  14. 78 FR 956 - National Vaccine Injury Compensation Program: Revised Amount of the Average Cost of a Health...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-07

    ... Vaccine Injury Compensation Program: Revised Amount of the Average Cost of a Health Insurance Policy The... average cost of a health insurance policy as it relates to the National Vaccine Injury Compensation... revised amounts of an average cost of a health insurance policy, as determined by the Secretary, are to be...

  15. Healthy and Ready to Learn: Effects of a School-Based Public Health Insurance Outreach Program for Kindergarten-Aged Children

    ERIC Educational Resources Information Center

    Jenkins, Jade Marcus

    2018-01-01

    Background: Rates of child insurance coverage have increased due to expansions in public programs, but many eligible children remain uninsured. Uninsured children are less likely to receive preventative care, which leads to poorer health and achievement in the long term. This study is an evaluation of a school-based health insurance outreach…

  16. 75 FR 2551 - National Vaccine Injury Compensation Program: Revised Amount of the Average Cost of a Health...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-01-15

    ... Vaccine Injury Compensation Program: Revised Amount of the Average Cost of a Health Insurance Policy The... average cost of a health insurance policy as it relates to the National Vaccine Injury Compensation... revised amounts of an average cost of a health insurance policy, as determined by the Secretary, are to be...

  17. 77 FR 801 - National Vaccine Injury Compensation Program: Revised Amount of the Average Cost of a Health...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-06

    ... Vaccine Injury Compensation Program: Revised Amount of the Average Cost of a Health Insurance Policy The... average cost of a health insurance policy as it relates to the National Vaccine Injury Compensation... revised amounts of an average cost of a health insurance policy, as determined by the Secretary, are to be...

  18. 76 FR 5180 - National Vaccine Injury Compensation Program: Revised Amount of the Average Cost of a Health...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-28

    ... Vaccine Injury Compensation Program: Revised Amount of the Average Cost of a Health Insurance Policy The... average cost of a health insurance policy as it relates to the National Vaccine Injury Compensation... revised amounts of an average cost of a health insurance policy, as determined by the Secretary, are to be...

  19. 24 CFR 206.113 - Late charge and interest.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...

  20. Coping with the Insurance Crisis.

    ERIC Educational Resources Information Center

    Hindman, R. Eugene, Jr.

    1986-01-01

    Ten suggestions are given for administering an institutional insurance program and coping with recent changes in the insurance market due to increasing premiums and more limited coverage options. (MSE)

  1. 24 CFR 203.264 - Payment of periodic MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic...

  2. 24 CFR 206.113 - Late charge and interest.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...

  3. 44 CFR 68.3 - Right to administrative hearings.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program... Insurance Administrator's flood elevation determination established pursuant to § 67.8 of this subchapter...

  4. The Big Five Health Insurers' Membership And Revenue Trends: Implications For Public Policy.

    PubMed

    Schoen, Cathy; Collins, Sara R

    2017-12-01

    The five largest US commercial health insurance companies together enroll 125 million members, or 43 percent of the country's insured population. Over the past decade these insurers have become increasingly dependent for growth and profitability on public programs, according to an analysis of corporate reports. In 2016 Medicare and Medicaid accounted for nearly 60 percent of the companies' health care revenues and 20 percent of their comprehensive plan membership. Although headlines have focused on losses in the state Marketplaces created by the Affordable Care Act (ACA), the Marketplaces represent only a small fraction of insurers' members. Overall, the five largest insurers have remained profitable since passage of the ACA as a result of profits in other market segments. Notably, companies with significant Medicare or Medicaid enrollment have continued to insure beneficiaries in states where the insurers do not participate in Marketplaces. Given the insurers' dependence on public programs, there is potential to improve access if federal or state governments, or both, required insurers that participate in Medicare or Medicaid to also participate in the Marketplaces in the same geographic area. Such requirements could ensure more viable and less volatile insurance, benefiting people insured within each market as well as those who cycle on and off public and private insurance.

  5. 31 CFR 50.8 - Procedure for requesting determinations of controlling influence.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... the Treasury TERRORISM RISK INSURANCE PROGRAM General Provisions § 50.8 Procedure for requesting... controlling influence. Such submissions shall be made to the Terrorism Risk Insurance Program Office...

  6. 31 CFR 50.8 - Procedure for requesting determinations of controlling influence.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... the Treasury TERRORISM RISK INSURANCE PROGRAM General Provisions § 50.8 Procedure for requesting... controlling influence. Such submissions shall be made to the Terrorism Risk Insurance Program Office...

  7. 31 CFR 50.8 - Procedure for requesting determinations of controlling influence.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... the Treasury TERRORISM RISK INSURANCE PROGRAM General Provisions § 50.8 Procedure for requesting... controlling influence. Such submissions shall be made to the Terrorism Risk Insurance Program Office...

  8. 31 CFR 50.8 - Procedure for requesting determinations of controlling influence.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... the Treasury TERRORISM RISK INSURANCE PROGRAM General Provisions § 50.8 Procedure for requesting... controlling influence. Such submissions shall be made to the Terrorism Risk Insurance Program Office...

  9. 31 CFR 50.8 - Procedure for requesting determinations of controlling influence.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... the Treasury TERRORISM RISK INSURANCE PROGRAM General Provisions § 50.8 Procedure for requesting... controlling influence. Such submissions shall be made to the Terrorism Risk Insurance Program Office...

  10. Identifying cost-minimizing strategies for guaranteeing target dairy income over feed cost via use of the Livestock Gross Margin dairy insurance program.

    PubMed

    Valvekar, M; Cabrera, V E; Gould, B W

    2010-07-01

    Milk and feed price volatility are the major source of dairy farm risk. Since August 2008 a new federally reinsured insurance program has been available to many US dairy farmers to help minimize the negative effects of adverse price movements. This insurance program is referred to as Livestock Gross Margin Insurance for Dairy Cattle. Given the flexibility in contract design, the dairy farmer has to make 3 critical decisions when purchasing this insurance: 1) the percentage of monthly milk production to be covered, 3) declared feed equivalents used to produce this milk, and 3) the level of gross margin not covered by insurance (i.e., deductible). The objective of this analysis was to provide an optimal strategy of how a dairy farmer could incorporate this insurance program to help manage the variability in net farm income. In this analysis we assumed that a risk-neutral dairy farmer wants to design an insurance contract such that a target guaranteed income over feed cost is obtained at least cost. We undertook this analysis for a representative Wisconsin dairy farm (herd size: 120 cows) producing 8,873 kg (19,545 lb) of milk/cow per year. Wisconsin statistical data indicates that dairy farms of similar size must require an income over feed cost of at least $110/Mg ($5/cwt) of milk to be profitable during the coverage period. Therefore, using data for the July 2009 insurance contract to insure $110/Mg of milk, the least cost contract was found to have a premium of $1.22/Mg ($0.055/cwt) of milk produced insuring approximately 52% of the production with variable monthly production covered during the period of September 2009 to June 2010. This premium represented 1.10% of the desired IOFC. We compared the above optimal strategy with an alternative nonoptimal strategy, defined as a contract insuring the same proportion of milk as the optimal (52%) but with a constant amount insured across all contract months. The premium was found to be almost twice the level obtained under the cost-minimizing solution representing 1.9% of the insured amount. Our model identifies the lowest cost insurance contract for a desired target guaranteed income over feed cost. Copyright (c) 2010 American Dairy Science Association. Published by Elsevier Inc. All rights reserved.

  11. 24 CFR 203.464 - Effect of termination.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Rehabilitation Loans § 203.464 Effect of termination. Upon termination of the contract of insurance, the obligation to pay any subsequent insurance...

  12. 24 CFR 203.464 - Effect of termination.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Rehabilitation Loans § 203.464 Effect of termination. Upon termination of the contract of insurance, the obligation to pay any subsequent insurance...

  13. 24 CFR 200.100 - Insurance endorsement.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... a commitment for insured advances, initial endorsement of the credit instrument shall occur before... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 200.100... Endorsement Generally Applicable to Multifamily and Health Care Facility Mortgage Insurance Programs; and...

  14. Generational Status, Health Insurance, and Public Benefit Participation Among Low-Income Latino Children

    PubMed Central

    Bundy, David G.

    2015-01-01

    The objectives of this study were to (1) measure health insurance coverage and continuity across generational subgroups of Latino children, and (2) determine if participation in public benefit programs is associated with increased health insurance coverage and continuity. We analyzed data on 25,388 children income-eligible for public insurance from the 2003 to 2004 National Survey of Children’s Health and stratified Latinos by generational status. First- and second-generation Latino children were more likely to be uninsured (58 and 19%, respectively) than third-generation children (9.5%). Second-generation Latino children were similarly likely to be currently insured by public insurance as third-generation children (61 and 62%, respectively), but less likely to have private insurance (19 and 29%, respectively). Second-generation Latino children were slightly more likely than third-generation children to have discontinuous insurance during the year (19 and 15%, respectively). Compared with children in families where English was the primary home language, children in families where English was not the primary home language had higher odds of being uninsured versus having continuous insurance coverage (OR: 2.19; 95% CI [1.33–3.62]). Among second-generation Latino children, participation in the Food Stamp (OR 0.26; 95% CI [0.14–0.48]) or Women, Infants, and Children (OR 0.40; 95% CI [0.25–0.66]) programs was associated with reduced odds of being uninsured. Insurance disparities are concentrated among first- and second-generation Latino children. For second-generation Latino children, connection to other public benefit programs may promote enrollment in public insurance. PMID:21505783

  15. Generational status, health insurance, and public benefit participation among low-income Latino children.

    PubMed

    DeCamp, Lisa Ross; Bundy, David G

    2012-04-01

    The objectives of this study were to (1) measure health insurance coverage and continuity across generational subgroups of Latino children, and (2) determine if participation in public benefit programs is associated with increased health insurance coverage and continuity. We analyzed data on 25,388 children income-eligible for public insurance from the 2003 to 2004 National Survey of Children's Health and stratified Latinos by generational status. First- and second-generation Latino children were more likely to be uninsured (58 and 19%, respectively) than third-generation children (9.5%). Second-generation Latino children were similarly likely to be currently insured by public insurance as third-generation children (61 and 62%, respectively), but less likely to have private insurance (19 and 29%, respectively). Second-generation Latino children were slightly more likely than third-generation children to have discontinuous insurance during the year (19 and 15%, respectively). Compared with children in families where English was the primary home language, children in families where English was not the primary home language had higher odds of being uninsured versus having continuous insurance coverage (OR: 2.19; 95% CI [1.33-3.62]). Among second-generation Latino children, participation in the Food Stamp (OR 0.26; 95% CI [0.14-0.48]) or Women, Infants, and Children (OR 0.40; 95% CI [0.25-0.66]) programs was associated with reduced odds of being uninsured. Insurance disparities are concentrated among first- and second-generation Latino children. For second-generation Latino children, connection to other public benefit programs may promote enrollment in public insurance.

  16. 24 CFR 203.261 - Calculation of periodic MIP.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...

  17. 24 CFR 203.262 - Due date of periodic MIP.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic...

  18. 24 CFR 203.261 - Calculation of periodic MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...

  19. 24 CFR 203.262 - Due date of periodic MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic...

  20. A successful program for training parent mentors to provide assistance with obtaining health insurance for uninsured children.

    PubMed

    Flores, Glenn; Walker, Candy; Lin, Hua; Lee, Michael; Fierro, Marco; Henry, Monica; Massey, Kenneth; Portillo, Alberto

    2015-01-01

    Seven million US children lack health insurance. Community health workers are effective in insuring uninsured children, and parent mentors (PMs) in improving asthmatic children's outcomes. It is unknown, however, whether a training program can result in PMs acquiring knowledge/skills to insure uninsured children. The study aim was to determine whether a PM training program results in improved knowledge/skills regarding insuring uninsured minority children. Minority parents in a primary-care clinic who already had Medicaid/Children's Health Insurance Program (CHIP)-covered children were selected as PMs, attending a 2-day training session addressing 9 topics. A 33-item pretraining test assessed knowledge/skills regarding Medicaid/CHIP, the application process, and medical homes. A 46-item posttest contained the same 33 pretest items (ordered differently) and 13 Likert-scale questions on training satisfaction. All 15 PMs were female and nonwhite, 60% were unemployed, and the mean annual income was $20,913. After training, overall test scores (0-100 scale) significantly increased, from a mean of 62 (range 39-82) to 88 (range 67-100) (P < .01), and the number of wrong answers decreased (mean reduction 8; P < .01). Significant improvements occurred in 6 of 9 topics, and 100% of PMs reported being very satisfied (86%) or satisfied (14%) with the training. Preliminary data indicate PMs are significantly more effective than traditional Medicaid/CHIP outreach/enrollment in insuring uninsured minority children. A PM training program resulted in significant improvements in knowledge and skills regarding outreach to and enrollment of uninsured, Medicaid/CHIP-eligible children, with high levels of satisfaction with the training. This PM training program might be a useful model for training Patient Protection and Affordable Care Act navigators. Copyright © 2015 Academic Pediatric Association. Published by Elsevier Inc. All rights reserved.

  1. Federal Employees Health Benefits Program and Federal Employees Dental and Vision Insurance Program: eligibility for Pathway Programs participants. Interim final rule with request for comments.

    PubMed

    2014-01-06

    The U.S. Office of Personnel Management (OPM) is issuing an interim final regulation to update the Federal Employees Health Benefits Program (FEHBP) and the Federal Employees Dental and Vision Insurance Program (FEDVIP) regulations to reflect updated election opportunities for participants in the Pathways Programs. The Pathways Programs were created by Executive Order (E.O.) 13562, signed by the President on December 27, 2010, and are designed to enable the Federal Government to compete effectively for students and recent graduates by improving its recruitment efforts through internships and similar programs with Federal agencies. This interim final rule furthers these recruitment and retention efforts by providing health insurance, as well as dental and vision benefits, to eligible program participants and their families.

  2. 31 CFR 50.9 - Procedure for requesting general interpretations of statute.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... TERRORISM RISK INSURANCE PROGRAM General Provisions § 50.9 Procedure for requesting general interpretations... request an interpretation of the Act or regulations by writing to the Terrorism Risk Insurance Program...

  3. 31 CFR 50.9 - Procedure for requesting general interpretations of statute.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... TERRORISM RISK INSURANCE PROGRAM General Provisions § 50.9 Procedure for requesting general interpretations... request an interpretation of the Act or regulations by writing to the Terrorism Risk Insurance Program...

  4. 31 CFR 50.9 - Procedure for requesting general interpretations of statute.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... TERRORISM RISK INSURANCE PROGRAM General Provisions § 50.9 Procedure for requesting general interpretations... request an interpretation of the Act or regulations by writing to the Terrorism Risk Insurance Program...

  5. 31 CFR 50.9 - Procedure for requesting general interpretations of statute.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... TERRORISM RISK INSURANCE PROGRAM General Provisions § 50.9 Procedure for requesting general interpretations... request an interpretation of the Act or regulations by writing to the Terrorism Risk Insurance Program...

  6. Experiences with Health Insurance and Health Care in the Context of Welfare Reform.

    PubMed

    Narain, Kimberly Danae; Katz, Marian Lisa

    2016-11-20

    Studies have shown that in the wake of welfare reform there has been a drop in the health insurance coverage and health care utilization of low-income mothers. Using data from 20 telephone interviews, this study explored the health insurance and health care experiences of current and former welfare participants living in Los Angeles County. This study found that half of these women had been uninsured at some point. Many of these lapses in health insurance coverage were linked to employment transitions and lack of knowledge regarding eligibility for different safety net programs. This study also found that satisfaction with access to health care was high among the insured respondents; however, barriers to care remained for many individuals, including appointment scheduling issues, limited scope of health insurance coverage, narrow provider networks, lack of care continuity, and perceived low quality of care. Better linkages between social programs assisting with health insurance coverage and improved knowledge among program clients may reduce health insurance cycling in this group. New rules for Medicaid managed care, currently being considered by the Centers for Medicare and Medicaid Services, have the potential to improve access to health care and the quality of care for these individuals. © 2016 National Association of Social Workers.

  7. Planning and Implementing Immunization Billing Programs at State and Local Health Departments: Barriers and Possible Solutions.

    PubMed

    Corriero, Rosemary; Redmon, Ginger

    Before participating in a project funded by the Centers for Disease Control and Prevention, most state and local health departments (LHDs) were not seeking reimbursement or being fully reimbursed by insurance plans for the cost of immunization services (including vaccine costs and administration fees) they provided to insured patients. Centers for Disease Control and Prevention's Billables Project was designed to enable state and LHDs to bill public and private insurance plans for immunization services provided to insured patients. Identify and describe key barriers state and LHDs may encounter while planning and implementing a billing program, as well as possible solutions for overcoming those barriers. This study used reports from Billables Project participants to explore barriers they encountered when planning and implementing a billing program and steps taken to address those barriers. Thirty-eight state immunization programs. Based on project participants' reports, barriers were noted in 7 categories: (1) funding and costs, (2) staff, (3) health department characteristics, (4) third-party payers and insurance plans, (5) software, (6) patient insurance status, and (7) other barriers. Possible solutions for overcoming those barriers included hiring or seeking external help, creating billing guides and training modules, streamlining workflows, and modifying existing software systems. Overcoming barriers during planning and implementation of a billing program can be challenging for state and LHDs, but the experiences and suggestions of past Billables Project participants can help guide future billing program efforts.

  8. 75 FR 77642 - Priority Setting for the Children's Health Insurance Program Reauthorization Act (CHIPRA...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-13

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Agency for Healthcare Research and Quality Priority Setting for the Children's Health Insurance Program Reauthorization Act (CHIPRA) Pediatric Quality Measures Program--Notice of Correction On pages 75469 and 75470, Volume 75, Number 232, Federal Register...

  9. Invest in People with a Staff Wellness Program.

    ERIC Educational Resources Information Center

    Bell, Spicer

    1986-01-01

    Adopting a wellness program for school personnel can reduce health insurance costs, workman's compensation insurance costs, absenteeism, and staff turnover while improving productivity and morale. Wellness programs focus on improving health and reducing the risk and impact of disease rather than on curing illnesses already contracted. Successful…

  10. 44 CFR 65.6 - Revision of base flood elevation determinations.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program... new discharge estimates. (6) Any computer program used to perform hydrologic or hydraulic analyses in... control and/or the regulation of flood plain lands. For computer programs adopted by non-Federal agencies...

  11. 44 CFR 65.6 - Revision of base flood elevation determinations.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program... new discharge estimates. (6) Any computer program used to perform hydrologic or hydraulic analyses in... control and/or the regulation of flood plain lands. For computer programs adopted by non-Federal agencies...

  12. 44 CFR 65.6 - Revision of base flood elevation determinations.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program... new discharge estimates. (6) Any computer program used to perform hydrologic or hydraulic analyses in... control and/or the regulation of flood plain lands. For computer programs adopted by non-Federal agencies...

  13. 44 CFR 65.6 - Revision of base flood elevation determinations.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program... new discharge estimates. (6) Any computer program used to perform hydrologic or hydraulic analyses in... control and/or the regulation of flood plain lands. For computer programs adopted by non-Federal agencies...

  14. Medicaid/CHIP Program; Medicaid Program and Children's Health Insurance Program (CHIP); Changes to the Medicaid Eligibility Quality Control and Payment Error Rate Measurement Programs in Response to the Affordable Care Act. Final rule.

    PubMed

    2017-07-05

    This final rule updates the Medicaid Eligibility Quality Control (MEQC) and Payment Error Rate Measurement (PERM) programs based on the changes to Medicaid and the Children's Health Insurance Program (CHIP) eligibility under the Patient Protection and Affordable Care Act. This rule also implements various other improvements to the PERM program.

  15. 75 FR 3966 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-01-25

    ...: Terrorism Risk Insurance Program Rebuttal of Controlling Influence Submission. Description: 31 CFR 50.8... regulatory presumption of ``controlling influence'' over another insurer under the Terrorism Risk Insurance...

  16. 24 CFR 203.259 - Method of payment of MIP.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-in General...

  17. 24 CFR 203.265 - Mortgagee's late charge and interest.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...

  18. 24 CFR 203.265 - Mortgagee's late charge and interest.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...

  19. 24 CFR 203.259 - Method of payment of MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-in General...

  20. 31 CFR 50.52 - Initial Notice of Insured Loss.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance: Treasury 1 2011-07-01 2011-07-01 false Initial Notice of Insured Loss. 50.52 Section 50.52 Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM RISK INSURANCE PROGRAM Claims Procedures § 50.52 Initial Notice of Insured Loss. Each insurer shall submit to Treasury an...

  1. 31 CFR 50.52 - Initial Notice of Insured Loss.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance: Treasury 1 2014-07-01 2014-07-01 false Initial Notice of Insured Loss. 50.52 Section 50.52 Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM RISK INSURANCE PROGRAM Claims Procedures § 50.52 Initial Notice of Insured Loss. Each insurer shall submit to Treasury an...

  2. 31 CFR 50.52 - Initial Notice of Insured Loss.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance: Treasury 1 2012-07-01 2012-07-01 false Initial Notice of Insured Loss. 50.52 Section 50.52 Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM RISK INSURANCE PROGRAM Claims Procedures § 50.52 Initial Notice of Insured Loss. Each insurer shall submit to Treasury an...

  3. SCHIP Directors' Perception of Schools Assisting Students in Obtaining Public Health Insurance

    ERIC Educational Resources Information Center

    Price, James H.; Rickard, Megan

    2009-01-01

    Background: Health insurance coverage increases access to health care. There has been an erosion of employer-based health insurance and a concomitant rise in children covered by public health insurance programs, yet more than 8 million children are still without health insurance coverage. Methods: This study was a national survey to assess the…

  4. 44 CFR 63.3 - Requirement to be covered by a contract for flood insurance by June 1, 1988.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... contract for flood insurance by June 1, 1988. 63.3 Section 63.3 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63...

  5. Postoperative outcomes in bariatric surgical patients participating in an insurance-mandated preoperative weight management program.

    PubMed

    Schneider, Andrew; Hutcheon, Deborah A; Hale, Allyson; Ewing, Joseph A; Miller, Megan; Scott, John D

    2018-05-01

    Many insurance companies require patient participation in a medically supervised weight management program (WMP) before offering approval for bariatric surgery. Clinical data surrounding benefits of participation are limited. To evaluate the relationship between preoperative insurance-mandated WMP participation and postoperative outcomes in bariatric surgery patients. Regional referral center and teaching hospital. A retrospective review of patients who underwent vertical sleeve gastrectomy or Roux-en-Y gastric bypass between January 2014 and January 2016 was performed. Patients (N = 354) were divided into 2 cohorts and analyzed according to presence (n = 266) or absence (n = 88) of an insurance-mandated WMP requirement. Primary endpoints included rate of follow-up and percent of excess weight loss (%EWL) at postoperative months 1, 3, 6, and 12. All patients, regardless of the insurance-mandated WMP requirement, followed a program-directed preoperative diet. The majority of patients with an insurance-mandated WMP requirement had private insurance (63.9%). Both patient groups experienced a similar proportion of readmissions and reoperations, rate of follow-up, and %EWL at 1, 3, 6, and 12 months (P = NS). Median operative duration and hospital length of stay were also similar between groups. Linear regression analysis revealed no significant improvement in %EWL at 12 months in the yes-WMP group. These data show that patients who participate in an insurance-mandated WMP in addition to completing a program-directed preoperative diet experience no significant benefit to rate of readmission, reoperation, follow-up, or %EWL up to 12 months postoperation. Our findings suggest that undergoing bariatric surgery without completing an insurance-mandated WMP is safe and effective. Copyright © 2018 American Society for Bariatric Surgery. Published by Elsevier Inc. All rights reserved.

  6. 20 CFR 61.3 - Purpose and scope of this part.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... and assistance to any person, insurance carrier, self-insured employer, or compensation fund seeking... Act. (c) Subpart B describes the procedure by which an insurance carrier, self-insured employer, or... miscellaneous provisions concerning disclosure of program information, approval of claims for legal services...

  7. 5 CFR 870.706 - Reinstatement of life insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Reinstatement of life insurance. 870.706... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.706 Reinstatement of life insurance. (a) An annuitant whose disability annuity terminates because he...

  8. 5 CFR 870.706 - Reinstatement of life insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Reinstatement of life insurance. 870.706... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.706 Reinstatement of life insurance. (a) An annuitant whose disability annuity terminates because he...

  9. 24 CFR 242.30 - Application of payments.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... insurance; (b) Ground rents, taxes, special assessments, and fire and other hazard insurance premiums; (c... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Mortgage Requirements § 242.30 Application of payments. All payments to be...

  10. 24 CFR 203.269 - Method of payment of periodic MIP.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums..., that periodic MIP be remitted electronically. [60 FR 34138, June 30, 1995] Open-end Insurance Charges...

  11. 24 CFR 203.267 - Duration of periodic MIP.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic... deed to the Commissioner is filed for record or the contract of insurance is terminated. [48 FR 28805...

  12. 24 CFR 203.269 - Method of payment of periodic MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums..., that periodic MIP be remitted electronically. [60 FR 34138, June 30, 1995] Open-end Insurance Charges...

  13. 24 CFR 203.267 - Duration of periodic MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic... deed to the Commissioner is filed for record or the contract of insurance is terminated. [48 FR 28805...

  14. 5 CFR 870.908 - Annuitants and compensationers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Assignments of Life Insurance § 870.908 Annuitants and compensationers. (a) If an employee assigns Basic insurance and later becomes...) At the time he/she retires or becomes eligible as a compensationer, the insured individual may elect...

  15. 5 CFR 870.908 - Annuitants and compensationers.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Assignments of Life Insurance § 870.908 Annuitants and compensationers. (a) If an employee assigns Basic insurance and later becomes...) At the time he/she retires or becomes eligible as a compensationer, the insured individual may elect...

  16. 5 CFR 870.706 - Reinstatement of life insurance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Reinstatement of life insurance. 870.706... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.706 Reinstatement of life insurance. (a) An annuitant whose disability annuity terminates because he...

  17. 5 CFR 870.706 - Reinstatement of life insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Reinstatement of life insurance. 870.706... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.706 Reinstatement of life insurance. (a) An annuitant whose disability annuity terminates because he...

  18. 5 CFR 870.706 - Reinstatement of life insurance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Reinstatement of life insurance. 870.706... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.706 Reinstatement of life insurance. (a) An annuitant whose disability annuity terminates because he...

  19. 42 CFR 409.100 - To whom payment is made.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... insurance benefits only to a participating provider. (2) For home health services (including medical... PROGRAM HOSPITAL INSURANCE BENEFITS Payment of Hospital Insurance Benefits § 409.100 To whom payment is... or consulting arrangement). (b) Exceptions. Medicare may pay hospital insurance benefits as follows...

  20. Resource Kit Tips for Teaching Textiles and Clothing.

    ERIC Educational Resources Information Center

    New York State Education Dept., Albany. Bureau of Continuing Education Curriculum Development.

    This kit has been designed to acquaint the instructor of adult textiles and clothing programs with some of the teaching aids that might be used to improve the learning process. The main parts of the publication include: Preparing and Using Transparencies; Developing a Learning Experience Using a Transparency; A Master Transparency with Overlays;…

  1. 7 CFR 205.311 - USDA Seal.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... PROVISIONS NATIONAL ORGANIC PROGRAM Labels, Labeling, and Market Information § 205.311 USDA Seal. (a) The... (2) On a white or transparent background with black outer circle and black “USDA” on a white or transparent upper half of the circle with a contrasting white or transparent “organic” on the black lower half...

  2. 7 CFR 205.311 - USDA Seal.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... PROVISIONS NATIONAL ORGANIC PROGRAM Labels, Labeling, and Market Information § 205.311 USDA Seal. (a) The... (2) On a white or transparent background with black outer circle and black “USDA” on a white or transparent upper half of the circle with a contrasting white or transparent “organic” on the black lower half...

  3. 7 CFR 205.311 - USDA Seal.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... PROVISIONS NATIONAL ORGANIC PROGRAM Labels, Labeling, and Market Information § 205.311 USDA Seal. (a) The... (2) On a white or transparent background with black outer circle and black “USDA” on a white or transparent upper half of the circle with a contrasting white or transparent “organic” on the black lower half...

  4. 7 CFR 205.311 - USDA Seal.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... PROVISIONS NATIONAL ORGANIC PROGRAM Labels, Labeling, and Market Information § 205.311 USDA Seal. (a) The... (2) On a white or transparent background with black outer circle and black “USDA” on a white or transparent upper half of the circle with a contrasting white or transparent “organic” on the black lower half...

  5. 7 CFR 205.311 - USDA Seal.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... PROVISIONS NATIONAL ORGANIC PROGRAM Labels, Labeling, and Market Information § 205.311 USDA Seal. (a) The... (2) On a white or transparent background with black outer circle and black “USDA” on a white or transparent upper half of the circle with a contrasting white or transparent “organic” on the black lower half...

  6. Health Benefits Mandates and Their Potential Impacts on Racial/Ethnic Group Disparities in Insurance Markets.

    PubMed

    Charles, Shana Alex; Ponce, Ninez; Ritley, Dominique; Guendelman, Sylvia; Kempster, Jennifer; Lewis, John; Melnikow, Joy

    2017-08-01

    Addressing racial/ethnic group disparities in health insurance benefits through legislative mandates requires attention to the different proportions of racial/ethnic groups among insurance markets. This necessary baseline data, however, has proven difficult to measure. We applied racial/ethnic data from the 2009 California Health Interview Survey to the 2012 California Health Benefits Review Program Cost and Coverage Model to determine the racial/ethnic composition of ten health insurance market segments. We found disproportional representation of racial/ethnic groups by segment, thus affecting the health insurance impacts of benefit mandates. California's Medicaid program is disproportionately Latino (60 % in Medi-Cal, compared to 39 % for the entire population), and the individual insurance market is disproportionately non-Latino white. Gender differences also exist. Mandates could unintentionally increase insurance coverage racial/ethnic disparities. Policymakers should consider the distribution of existing racial/ethnic disparities as criteria for legislative action on benefit mandates across health insurance markets.

  7. Benefits planning--what you must know: interview with Daniel Fortuno, AIDS Benefits Counselors. Interview by John S. James.

    PubMed

    Fortuno, D

    1996-09-20

    Daniel Fortuno, a counselor with AIDS Benefits Counselors (ABC), summarizes key insurance and benefits information for persons living with AIDS (PWAs), particularly those who reside in California. Fortuno explains the managed care concept and basic health insurance terms, such as pre-existing conditions, health maintenance organizations (HMOs), preferred provider organizations (PPOs), contestability, and the Consolidated Omnibus Budget Reconciliation Act (COBRA). Fortuno explains a California law that became effective in July 1993 that greatly restricts the ability of health insurance companies to refuse insurance due to preexisting conditions to small groups of persons. This law, AB 1672, makes health insurance available to the sick with little overall rises in prices. Federal insurance laws and regulations that impact PWAs and HIV-positive individuals are outlined. In the interview, Fortuno also discusses Medicaid/Medi-Cal (California's Medicaid), Social Security programs, State disability, and the AIDS Drug Assistance Program. Fortuno offers suggestions for obtaining good private insurance and evaluates the pros and cons of HMOs, PPOs, and indemnity insurance.

  8. 78 FR 17469 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-21

    ...: Terrorism Risk Insurance Program Rebuttal of Controlling Influence Submission. Abstract: Title 31 CFR 50.8... regulatory presumption of ``controlling influence'' over another insurer under the Terrorism Risk Insurance...

  9. 24 CFR 203.282 - Mortgagee's late charge and interest.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One...

  10. 24 CFR 206.105 - Amount of MIP.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.105 Amount of...

  11. 24 CFR 203.282 - Mortgagee's late charge and interest.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One...

  12. 24 CFR 206.105 - Amount of MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.105 Amount of...

  13. 44 CFR 62.21 - Claims adjustment.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program SALE OF INSURANCE AND ADJUSTMENT OF CLAIMS Claims Adjustment, Claims Appeals, and Judicial Review § 62.21 Claims adjustment. (a) In...

  14. 44 CFR 68.6 - Time and place of hearing.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program ADMINISTRATIVE... sent by the Flood Insurance Docket Clerk by registered or certified mail, return receipt requested, to...

  15. 44 CFR 68.6 - Time and place of hearing.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program ADMINISTRATIVE... sent by the Flood Insurance Docket Clerk by registered or certified mail, return receipt requested, to...

  16. 44 CFR 68.6 - Time and place of hearing.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program ADMINISTRATIVE... sent by the Flood Insurance Docket Clerk by registered or certified mail, return receipt requested, to...

  17. 24 CFR 221.753 - Termination of mortgage insurance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES LOW COST AND MODERATE INCOME MORTGAGE INSURANCE-SAVINGS CLAUSE Contract Rights and Obligations...

  18. Can Health Insurance Reduce School Absenteeism?

    ERIC Educational Resources Information Center

    Yeung, Ryan; Gunton, Bradley; Kalbacher, Dylan; Seltzer, Jed; Wesolowski, Hannah

    2011-01-01

    Enacted in 1997, the State Children's Health Insurance Program (SCHIP) represented the largest expansion of U.S. public health care coverage since the passage of Medicare and Medicaid 32 years earlier. Although the program has recently been reauthorized, there remains a considerable lack of thorough and well-designed evaluations of the program. In…

  19. 75 FR 36785 - Medicare and Medicaid Programs; Quarterly Listing of Program Issuances-January Through March 2010

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-28

    ... national coverage determinations (NCDs) affecting specific medical and health care services under Medicare... notification, such as a particular clinical trial or research study that qualifies for Medicare coverage.... 93.773, Medicare--Hospital Insurance, Program No. 93.774, Medicare-- Supplementary Medical Insurance...

  20. 78 FR 43230 - Agency Information Collection Activities: Submission to OMB for Reinstatement, Without Change, of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-19

    ... Insured Credit Unions to maintain an information security program and an incident response plan that... Federally Insured Credit Unions to maintain an information security program and an incident response plan... credit unions to develop a written security program to safeguard sensitive member information. This...

  1. 24 CFR 572.105 - Financing the purchase of properties by eligible families.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... DEVELOPMENT, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT COMMUNITY FACILITIES HOPE FOR HOMEOWNERSHIP OF SINGLE FAMILY HOMES PROGRAM (HOPE 3) Homeownership Program Requirements-Implementation Grants § 572.105... insurance apply to mortgages insured by FHA on properties assisted under the HOPE 3 program. Exceptions in...

  2. 44 CFR Appendix B to Part 62 - National Flood Insurance Program

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false National Flood Insurance Program B Appendix B to Part 62 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY... Plan to Maintain Financial Control for Business Written Under the Write Your Own Program. (a) In...

  3. 76 FR 41178 - Medicare Program; Proposed Changes to the Hospital Inpatient Prospective Payment Systems for...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-13

    ... Insurance; and Program No. 93.774, Medicare-- Supplementary Medical Insurance Program) Dated: July 7, 2011...), HHS. ACTION: Correction of proposed rule. SUMMARY: This document corrects technical errors that... explanation of publishing such Tables on the Internet), reflect an error in the calculation of the...

  4. 44 CFR 79.7 - Offers and appeals under the SRL program.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS § 79.7 Offers and appeals under the SRL program. (a) Consultation. States and communities... mitigation activity. These consultations shall be initiated in the early stages of the project development...

  5. 44 CFR 79.7 - Offers and appeals under the SRL program.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS § 79.7 Offers and appeals under the SRL program. (a) Consultation. States and communities... mitigation activity. These consultations shall be initiated in the early stages of the project development...

  6. 44 CFR 79.7 - Offers and appeals under the SRL program.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS § 79.7 Offers and appeals under the SRL program. (a) Consultation. States and communities... mitigation activity. These consultations shall be initiated in the early stages of the project development...

  7. 44 CFR 79.7 - Offers and appeals under the SRL program.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION GRANTS § 79.7 Offers and appeals under the SRL program. (a) Consultation. States and communities... mitigation activity. These consultations shall be initiated in the early stages of the project development...

  8. Evaluating availability and price of essential medicines in Boston area (Massachusetts, USA) using WHO/HAI methodology.

    PubMed

    Sharma, Abhishek; Rorden, Lindsey; Ewen, Margaret; Laing, Richard

    2016-01-01

    Many patients even those with health insurance pay out-of-pocket for medicines. We investigated the availability and prices of essential medicines in the Boston area. Using the WHO/HAI methodology, availability and undiscounted price data for both originator brand (OB) and lowest price generic (LPG) equivalent versions of 25 essential medicines (14 prescription; 11 over-the-counter (OTC)) were obtained from 17 private pharmacies. The inclusion and prices of 26 essential medicines in seven pharmacy discount programs were also studied. The medicine prices were compared with international reference prices (IRPs). In surveyed pharmacies, the OB medicines were less available as compared to the generics. The OB and LPG versions of OTC medicines were 21.33 and 11.53 times the IRP, respectively. The median prices of prescription medicines were higher, with OB and LPG versions at 158.14 and 38.03 times the IRP, respectively. In studied pharmacy discount programs, the price ratios of surveyed medicines varied from 4.4-13.9. While noting the WHO target that consumers should pay no more than four times the IRPs, medicine prices were considerably higher in the Boston area. The prices for medicines included in the pharmacy discount programs were closest to WHO's target. Consumers should shop around, as medicine inclusion and prices vary across discount programs. In order for consumers to identify meaningful potential savings through comparison shopping, price transparency is needed.

  9. Medicaid and Children's Health Insurance Programs; Mental Health Parity and Addiction Equity Act of 2008; the Application of Mental Health Parity Requirements to Coverage Offered by Medicaid Managed Care Organizations, the Children's Health Insurance Program (CHIP), and Alternative Benefit Plans. Final rule.

    PubMed

    2016-03-30

    This final rule will address the application of certain requirements set forth in the Public Health Service Act, as amended by the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008, to coverage offered by Medicaid managed care organizations, Medicaid Alternative Benefit Plans, and Children’s Health Insurance Programs.

  10. 24 CFR 221.325 - Cancellation of hazard insurance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES LOW COST AND MODERATE INCOME MORTGAGE INSURANCE-SAVINGS CLAUSE Contract Rights and Obligations-Low...

  11. 42 CFR 403.220 - Supplemental Health Insurance Panel.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 2 2012-10-01 2012-10-01 false Supplemental Health Insurance Panel. 403.220 Section 403.220 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Programs § 403.220 Supplemental Health Insurance Panel. (a) Membership. The Supplemental Health Insurance...

  12. 42 CFR 403.220 - Supplemental Health Insurance Panel.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 2 2014-10-01 2014-10-01 false Supplemental Health Insurance Panel. 403.220 Section 403.220 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Programs § 403.220 Supplemental Health Insurance Panel. (a) Membership. The Supplemental Health Insurance...

  13. 42 CFR 403.220 - Supplemental Health Insurance Panel.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Supplemental Health Insurance Panel. 403.220 Section 403.220 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Programs § 403.220 Supplemental Health Insurance Panel. (a) Membership. The Supplemental Health Insurance...

  14. 42 CFR 403.220 - Supplemental Health Insurance Panel.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 2 2013-10-01 2013-10-01 false Supplemental Health Insurance Panel. 403.220 Section 403.220 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Programs § 403.220 Supplemental Health Insurance Panel. (a) Membership. The Supplemental Health Insurance...

  15. 42 CFR 403.220 - Supplemental Health Insurance Panel.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 2 2011-10-01 2011-10-01 false Supplemental Health Insurance Panel. 403.220 Section 403.220 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Programs § 403.220 Supplemental Health Insurance Panel. (a) Membership. The Supplemental Health Insurance...

  16. 24 CFR 203.280 - One-time or Up-front MIP.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One-Time... endorsement of the mortgage for insurance, pay to the Commissioner for the account of the mortgagor, in a...

  17. 24 CFR 203.268 - Pro rata payment of periodic MIP.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic Payment § 203.268 Pro rata payment of periodic MIP. (a) If the insurance contract is terminated...

  18. 24 CFR 203.266 - Period covered by periodic MIP.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums... with the date of the issuance of a Mortgage Insurance Certificate and ending on the next anniversary of...

  19. 24 CFR 203.266 - Period covered by periodic MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums... with the date of the issuance of a Mortgage Insurance Certificate and ending on the next anniversary of...

  20. 24 CFR 203.280 - One-time or Up-front MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One-Time... endorsement of the mortgage for insurance, pay to the Commissioner for the account of the mortgagor, in a...

  1. 24 CFR 203.268 - Pro rata payment of periodic MIP.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic Payment § 203.268 Pro rata payment of periodic MIP. (a) If the insurance contract is terminated...

  2. 24 CFR 213.256 - Premiums; insurance upon completion.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Premiums; insurance upon completion... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES COOPERATIVE HOUSING MORTGAGE INSURANCE Contract Rights and Obligations-Projects § 213.256 Premiums...

  3. 44 CFR 59.22 - Prerequisites for the sale of flood insurance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... AGENCY, DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program... public inspection and furnish upon request, for the determination of applicable flood insurance risk... Federal, State, and local agencies and private firms which undertake to study, survey, map, and identify...

  4. Price Transparency in the Online Age.

    PubMed

    Kaplan, Jonathan L; Mills, Parker H

    2016-05-01

    Plastic surgeons are sometimes hesitant to provide their pricing information online, due to several concerns. However, if implemented right, price transparency can be used as a lead generation tool that provides consumers with the pricing information they want and gives the physician the consumer's contact information for follow-up. This study took place during the author's first year in private practice in a new city. An interactive price transparency platform (ie, cost estimator) was integrated into his website, allowing consumers to submit a "wishlist" of procedures to check pricing on these procedures of interest. However, the consumer must submit their contact information to receive the desired breakdown of costs that are tailored based on the author's medical fees. During that first year, without any advertising expenditure, the author's website received 412 wishlists from 208 unique consumers. Consumers (17.8%) that submitted a wishlist came in for a consultation and 62% of those booked a procedure. The average value of a booked procedure was over US $4000 and cumulatively, all of the leads from this one lead source in that first year generated over US $92,000 in revenue. When compared with non-price-aware patients, price-aware patients were 41% more likely to book a procedure. Price transparency led to greater efficiency and reduced consultations that ended in "sticker shock." When prudently integrated into a medical practice, price transparency can be a great lead generation source for patients that are (1) paying out of pocket for medically necessary services due to a high-deductible health plan or (2) paying for services not typically covered by insurance, such as cosmetic services.

  5. 2007 Annual Health Physics Report for the HEU Transparency Program

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Radev, R

    2008-04-09

    During the 2007 calendar year, Lawrence Livermore National Laboratory (LLNL) provided health physics support for the Highly Enriched Uranium (HEU) Transparency Program for external and internal radiation protection and technical expertise related to BDMS radioactive sources and Russian radiation safety regulatory compliance. For the calendar year 2007, there were 172 person-trips that required dose monitoring of the U.S. monitors. Of the 172 person-trips, 160 person-trips were SMVs and 12 person-trips were Transparency Monitoring Office (TMO) trips. There were 12 monitoring visits by TMO monitors to facilities other than UEIE and 10 to UEIE itself. There were two monitoring visits (sourcemore » changes) that were back to back with 14 monitors. LLNL's Hazard Control Division laboratories provided the dosimetry services for the HEU Transparency monitors.« less

  6. The association between medical costs and participation in the vitality health promotion program among 948,974 members of a South African health insurance company.

    PubMed

    Patel, Deepak N; Lambert, Estelle V; da Silva, Roseanne; Greyling, Mike; Nossel, Craig; Noach, Adam; Derman, Wayne; Gaziano, Thomas

    2010-01-01

    Examine the association between the levels of participation in an incentive-based health promotion program (Vitality) and inpatient medical claims among members of a major health insurer. A 1-year, cross-sectional, correlational analyses of engagement with a health promotion program and hospital claims experience (admissions costs, days in hospital, and admission rate) of members of a national private health insurer. Adult members of South Africa's largest national private health insurer, Discovery Health. Insured members were also eligible for voluntary membership in an insurance-linked incentivized health promotion program, Vitality. The study sample included 948,974 adult members of the Discovery Health plan for the year 2006. Of these, 591,134 (62.3%) were also members of the Vitality health promotion program. The study sample was grouped based on registration and the level of engagement with the Vitality health promotion program into the following: not registered (37.5%), registered but not engaged with any health promotion activity (21.9%), low engagement (30.9%), and high engagement (9.5%). High engagement was defined a priori by the accumulation of an arbitrary number of points on the Vitality program, allocated against specific activities (knowledge, fitness-related activities, assessment and screening, and healthy choices). Hospital admission costs, the number of days in hospital, and hospital admission rates were compared among highly engaged members and those members who were not enrolled in the program, nonengaged, and lowly engaged. Data were normalized for age, gender, plan type, and chronic disease status. Highly engaged members had lower costs per patient, shorter stays in hospital, and fewer admissions compared with other groups (p < .001). Low or no engagement was not associated with lower hospital costs. Admission rates were also 7.4% lower for cardiovascular disease, 13.2% lower for cancers, and 20.7% lower for endocrine and metabolic diseases in the highly engaged group compared with any of the other groups (p < .01). Engagement in an incentive-based wellness program, offered by a health insurer, was associated with lower health care costs.

  7. 44 CFR 63.9 - Sale while claim pending.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.9 Sale while claim...

  8. 44 CFR 63.9 - Sale while claim pending.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.9 Sale while claim...

  9. 44 CFR 63.9 - Sale while claim pending.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.9 Sale while claim...

  10. 24 CFR 221.763 - Special insurance benefits-forbearance relief cases.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES LOW COST AND MODERATE INCOME MORTGAGE INSURANCE-SAVINGS CLAUSE Contract...

  11. 44 CFR 63.3 - Requirement to be covered by a contract for flood insurance by June 1, 1988.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.3 Requirement to be covered by a contract for flood insurance by June 1, 1988... a contract for flood insurance by June 1, 1988. 63.3 Section 63.3 Emergency Management and...

  12. 44 CFR 63.3 - Requirement to be covered by a contract for flood insurance by June 1, 1988.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.3 Requirement to be covered by a contract for flood insurance by June 1, 1988... a contract for flood insurance by June 1, 1988. 63.3 Section 63.3 Emergency Management and...

  13. 44 CFR 63.3 - Requirement to be covered by a contract for flood insurance by June 1, 1988.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.3 Requirement to be covered by a contract for flood insurance by June 1, 1988... a contract for flood insurance by June 1, 1988. 63.3 Section 63.3 Emergency Management and...

  14. 44 CFR 63.3 - Requirement to be covered by a contract for flood insurance by June 1, 1988.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... MITIGATION National Flood Insurance Program IMPLEMENTATION OF SECTION 1306(c) OF THE NATIONAL FLOOD INSURANCE ACT OF 1968 General § 63.3 Requirement to be covered by a contract for flood insurance by June 1, 1988... a contract for flood insurance by June 1, 1988. 63.3 Section 63.3 Emergency Management and...

  15. The Affordable Care Act's plan for consumer assistance with insurance moves states forward but remains a work in progress.

    PubMed

    Grob, Rachel; Schlesinger, Mark; Davis, Sarah; Cohen, Deborah; Lapps, Joshua

    2013-02-01

    The Affordable Care Act provides support for state-run consumer assistance programs to help privately insured consumers who experience problems with their coverage. Its provisions signify the first national commitment to such assistance and to using cases aggregated by these state programs to inform policy. We interviewed state-level administrators and analyzed program documents to assess whether federal support for state-run consumer assistance programs achieved certain goals. We found that some federally supported programs made substantial progress in supporting and empowering patients by reorienting state agencies to become active advocates for their citizens. Yet progress across the country was inconsistent, and there was little evidence that programs addressed systemic problems experienced by consumers. On balance, the consumer assistance provisions of health care reform do not yet ensure protection for all privately insured Americans because of uneven implementation-a problem likely to be of further concern as coverage is expanded and health insurance exchanges come on line in 2014. At the same time, the demonstrated impact of consumer assistance programs in the most innovative states is arguably a useful "proof of concept" for this young federal program.

  16. A Centralized Auction Mechanism for the Disability and Survivors Insurance in Chile

    NASA Astrophysics Data System (ADS)

    Reyes H., Gonzalo

    As part of the pension reform recently approved in Chile, the government introduced a centralized auction mechanism to provide the Disability and Survivors (D&S) Insurance that covers recent contributors among the more than 8 million participants in the mandatory private pension system. This paper is intended as a case study presenting the main distortions found in the decentralized operation of the system that led to this reform and the challenges faced when designing a competitive auction mechanism to be implemented jointly by the Pension Fund Managers (AFP). In a typical bilateral contract the AFP retained much of the risk and the Insurance Company acted in practice as a reinsurer. The process to hire this contract was not competitive and colligated companies ended up providing the service. Several distortions affected competition in the market through incentives to cream-skim members by AFPs (since they bear most of the risk) or efforts to block disability claims. Since the price of this insurance is hidden in the fees charged by AFPs for the administration of individual accounts and pension funds there was lack of price transparency. Since new AFPs have no history of members’ disability and mortality profile the insurance contract acted as a barrier to entry in the market of AFP services, especially when D&S insurance costs reached 50% of total costs. Cross-subsidies between members of the same AFP, inefficient risk pooling (due to pooling occurring at the AFP rather than at the system level) and regulatory arbitrage, since AFPs provided insurance not being regulated as an insurance company, were also present. A centralized auction mechanism solves these market failures, but also gives raise to new challenges, such as how to design a competitive auction that attracts participation and deters collusion. Design features that were incorporated in the regulation to tackle these issues, such as dividing coverage into predefined percentage blocks, are presented here.

  17. The German Statutory Health Insurance Program.

    ERIC Educational Resources Information Center

    Stassen, Manfred

    1993-01-01

    Describes the German health insurance system which is mandatory for nearly all German citizens. Explains that, along with pension, accident, and unemployment insurance, health insurance is one of four pillars of the German national social security system. Asserts that controlling costs while maintaining high health care standards is a national…

  18. 31 CFR 50.21 - Make available.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM RISK INSURANCE PROGRAM... definition of act of terrorism. An insurer must make available coverage for insured losses in a policy of property and casualty insurance consistent with the definition of an act of terrorism as amended by the...

  19. 31 CFR 50.21 - Make available.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM RISK INSURANCE PROGRAM... definition of act of terrorism. An insurer must make available coverage for insured losses in a policy of property and casualty insurance consistent with the definition of an act of terrorism as amended by the...

  20. 31 CFR 50.21 - Make available.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... Money and Finance: Treasury Office of the Secretary of the Treasury TERRORISM RISK INSURANCE PROGRAM... definition of act of terrorism. An insurer must make available coverage for insured losses in a policy of property and casualty insurance consistent with the definition of an act of terrorism as amended by the...

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