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Sample records for pilot insurance plan

  1. Understanding health insurance plans

    MedlinePlus

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

  2. Self-insured health plans

    PubMed Central

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

    1986-01-01

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

  3. Threaded pilot insures cutting tool alignment

    NASA Technical Reports Server (NTRS)

    Goldman, R.; Schneider, W. E.

    1966-01-01

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

  4. Prescriptions and Insurance Plans

    MedlinePlus

    ... the high cost of prescription medicines, most insurance companies and employers are trying to control drug costs. ... is a list of medications that your insurance company will help you pay for. This list is ...

  5. ADS pilot program Plan

    NASA Technical Reports Server (NTRS)

    Clauson, J.; Heuser, J.

    1981-01-01

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

  6. 48 CFR 428.307-1 - Group insurance plans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 48 Federal Acquisition Regulations System 4 2014-10-01 2014-10-01 false Group insurance plans. 428... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 428.307-1 Group insurance plans. Under cost-reimbursement contracts, before buying insurance under a group insurance plan, the contractor shall submit...

  7. 48 CFR 428.307-1 - Group insurance plans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 4 2013-10-01 2013-10-01 false Group insurance plans. 428... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 428.307-1 Group insurance plans. Under cost-reimbursement contracts, before buying insurance under a group insurance plan, the contractor shall submit...

  8. 48 CFR 428.307-1 - Group insurance plans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 48 Federal Acquisition Regulations System 4 2012-10-01 2012-10-01 false Group insurance plans. 428... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 428.307-1 Group insurance plans. Under cost-reimbursement contracts, before buying insurance under a group insurance plan, the contractor shall submit...

  9. 48 CFR 428.307-1 - Group insurance plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  10. 48 CFR 2828.307-1 - Group insurance plans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 6 2013-10-01 2013-10-01 false Group insurance plans... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 2828.307-1 Group insurance plans. Under cost-reimbursement contracts, before buying insurance under a group insurance plan, the contractor shall submit...

  11. 48 CFR 2828.307-1 - Group insurance plans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 48 Federal Acquisition Regulations System 6 2012-10-01 2012-10-01 false Group insurance plans... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 2828.307-1 Group insurance plans. Under cost-reimbursement contracts, before buying insurance under a group insurance plan, the contractor shall submit...

  12. 48 CFR 428.307-1 - Group insurance plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  13. 48 CFR 2828.307-1 - Group insurance plans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 48 Federal Acquisition Regulations System 6 2014-10-01 2014-10-01 false Group insurance plans... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 2828.307-1 Group insurance plans. Under cost-reimbursement contracts, before buying insurance under a group insurance plan, the contractor shall submit...

  14. 48 CFR 2828.307-1 - Group insurance plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 6 2011-10-01 2011-10-01 false Group insurance plans... CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 2828.307-1 Group insurance plans. Under cost-reimbursement contracts, before buying insurance under a group insurance plan, the contractor shall submit...

  15. 48 CFR 2828.307-1 - Group insurance plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  16. Insurance planning for dentists and dental practices.

    PubMed

    Thomalla, Kenneth C; Wherry, Jeffrey

    2008-07-01

    There are a myriad of insurance products available for the dentist and his dental practice. Care must be taken to ensure that all risks have been reviewed and the appropriate risks covered with an insurance plan. Taking the time to solidify your base helps to ensure a strong financial plan for years to come.

  17. 48 CFR 228.307-1 - Group insurance plans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 3 2013-10-01 2013-10-01 false Group insurance plans. 228..., DEPARTMENT OF DEFENSE GENERAL CONTRACTING REQUIREMENTS BONDS AND INSURANCE Insurance 228.307-1 Group insurance plans. The Defense Department Group Term Insurance Plan is available for contractor use under...

  18. 48 CFR 228.307-1 - Group insurance plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  19. 48 CFR 3028.307-1 - Group insurance plans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 48 Federal Acquisition Regulations System 7 2014-10-01 2014-10-01 false Group insurance plans..., HOMELAND SECURITY ACQUISITION REGULATION (HSAR) SOCIOECONOMIC PROGRAMS BONDS AND INSURANCE Insurance 3028.307-1 Group insurance plans. Plans shall be submitted to the contracting officer, who must obtain...

  20. Evaluating Long-Term Disability Insurance Plans.

    ERIC Educational Resources Information Center

    Powell, Jan

    1992-01-01

    This report analyzes the factors involved in reviewing benefits and services of employer-sponsored group long-term disability plans for higher education institutions. Opening sections describe the evolution of disability insurance and its shape today. Further sections looks at the complex nature of "value" within a plan, relationship…

  1. 77 FR 52614 - Pre-Existing Condition Insurance Plan Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-30

    ... HUMAN SERVICES 45 CFR Part 152 RIN 0938-AQ70 Pre-Existing Condition Insurance Plan Program AGENCY... regarding program eligibility to the interim final regulation implementing the Pre- Existing Condition Plan.... (Hereafter, we generally refer to this program as the Pre-Existing Condition Insurance Plan program, or...

  2. Correlating Ratings of Health Insurance Plans to Their Providers' Attributes

    PubMed Central

    Shetty, Prajna; Hristidis, Vagelis

    2016-01-01

    Background There is a push towards quality measures in health care. As a consequence, the National Committee for Quality Assurance (NCQA) has been publishing insurance plan quality measures. Objective The objective of this study was to examine the relationship between insurance plan quality measures and the participating providers (doctors). Methods We collected and analyzed provider and insurance plan data from several online sources, including provider directories, provider referrals and awards, patient reviewing sites, and hospital rankings. The relationships between the provider attributes and the insurance plan quality measures were examined. Results Our analysis yielded several findings: (1) there is a moderate Pearson correlation (r=.376) between consumer satisfaction insurance plan scores and review ratings of the member providers, (2) referral frequency and provider awards are negligibly correlated to consumer satisfaction plan scores (correlations of r=.031 and r=.183, respectively), (3) there is weak positive correlation (r=.266) between the cost charged for the same procedures and consumer satisfaction plan scores, and (4) there is no significant correlation between member specialists’ review ratings and specialty-specific insurance plan treatment scores for most specialties, except a surprising weak negative correlation for diabetes treatment (r=-.259). Conclusions Our findings may be used by consumers to make informed choices about their insurance plans or by insurances to understand the relationship between patients’ satisfaction and their network of providers. PMID:27777217

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

    MedlinePlus

    ... Health ResourcesHealthcare Management End-of-Life Issues Insurance & Bills Self Care Working With Your Doctor Drugs, Procedures & ... Health ResourcesHealthcare Management End-of-Life Issues Insurance & Bills Self Care Working With Your Doctor Drugs, Procedures & ...

  4. 45 CFR 149.340 - Rule for insured plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  5. Employee demand for health insurance and employer health plan choices.

    PubMed

    Bundorf, M Kate

    2002-01-01

    Although most private health insurance in US is employment-based, little is known about how employers choose health plans for their employees. In this paper, I examine the relationship between employee preferences for health insurance and the health plans offered by employers. I find evidence that employee characteristics affect the generosity of the health plans offered by employers and the likelihood that employers offer a choice of plans. Although the results suggest that employers do respond to employee preferences in choosing health benefits, the effects of worker characteristics on plan offerings are quantitatively small.

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

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

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

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

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

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

  8. 76 FR 7098 - Dealer Floor Plan Pilot Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-09

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

  9. 77 FR 47573 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-09

    ... Internal Revenue Service 26 CFR Parts 40 and 46 RIN 1545-BK59 Fees on Health Insurance Policies and Self... Patient Protection and Affordable Care Act on issuers of certain health insurance policies and plan sponsors of certain self-insured health plans to fund the Patient-Centered Outcomes Research Trust...

  10. Alternative Compensation Plans for Improving Retention of Air Force Pilots

    DTIC Science & Technology

    1989-08-01

    paid to most pilots. These plans do tend, however, to provide equal pay for pilots with equal YOS. o Plans that avoid indexing flight pay to annual... equal YOS receive different amounts of pay . Despite precedents for such differences in the military pay system, the Air Force argues that pilots with... equal YOS should receive equal pay in order to maintain pilot morale. o Plans that emphasize across-the-board pay increases for pilots of all types

  11. 75 FR 70061 - Dealer Floor Plan Pilot Program Meeting

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-16

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

  12. Waste Isolation Pilot Plant, Land Management Plan

    SciTech Connect

    Not Available

    1993-12-01

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

  13. 77 FR 22691 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-17

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

  14. 20 CFR 323.2 - Definition of nongovernmental plan for unemployment or sickness insurance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  15. 20 CFR 323.2 - Definition of nongovernmental plan for unemployment or sickness insurance.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  16. 20 CFR 323.2 - Definition of nongovernmental plan for unemployment or sickness insurance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  17. 20 CFR 323.2 - Definition of nongovernmental plan for unemployment or sickness insurance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  19. 29 CFR 452.39 - Participation in insurance plan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 2 2010-07-01 2010-07-01 false Participation in insurance plan. 452.39 Section 452.39 Labor Regulations Relating to Labor OFFICE OF LABOR-MANAGEMENT STANDARDS, DEPARTMENT OF LABOR LABOR... AND DISCLOSURE ACT OF 1959 Candidacy for Office; Reasonable Qualifications § 452.39 Participation...

  20. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  1. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  2. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  3. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  4. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  5. Do employers voluntarily include patient protections in self-insured managed care plans?

    PubMed

    Lawlor, Janice S; Hall, Mark A

    2005-01-01

    Managed care patient protection laws passed by states do not apply to health plans sponsored by self-insured employers, although 54% of workers who receive health insurance coverage through their employer are in self-insured plans. In-depth interviews conducted in five states with employers offering self-insured health benefits and with other knowledgeable market informants provide evidence that self-insured managed care plans nonetheless include important features that strengthen subscribers' access to medical providers. Less common in these plans were features providing for independent external appeal of coverage denials and for protecting network providers from undue influence by plan administrators.

  6. Medicare program; right of appeal for Medicare secondary payer determinations relating to liability insurance (including self-insurance), no-fault insurance, and workers' compensation laws and plans. Final rule.

    PubMed

    2015-02-27

    This final rule implements provisions of the Strengthening Medicare and Repaying Taxpayers Act of 2012 (SMART Act) which require us to provide a right of appeal and an appeal process for liability insurance (including self-insurance), no-fault insurance, and workers' compensation laws or plans when Medicare pursues a Medicare Secondary Payer (MSP) recovery claim directly from the liability insurance (including self-insurance), no-fault insurance, or workers' compensation law or plan.

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

    NASA Astrophysics Data System (ADS)

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

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

  8. Waste Isolation Pilot Plant Environmental Monitoring Plan

    SciTech Connect

    Washington Regulatory and Environmental Services; Washington TRU Solutions LLC

    2004-02-19

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

  9. Waste Isolation Pilot Plant Environmental Monitoring Plan

    SciTech Connect

    None, None

    2008-03-12

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

  10. 75 FR 34571 - Group Health Plans and Health Insurance Coverage Rules Relating to Status as a Grandfathered...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-17

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

  11. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Renewal of Term Insurance § 8.26 Renewal of National Service Life Insurance on the 5-year level premium term plan. (a)...

  12. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Renewal of Term Insurance § 8.26 Renewal of National Service Life Insurance on the 5-year level premium term plan. (a)...

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

    NASA Technical Reports Server (NTRS)

    Pritchett, Amy R.; Ockerman, Jennifer

    2005-01-01

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

  14. 76 FR 46677 - Requirements for Group Health Plans and Health Insurance Issuers Relating to Coverage of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-03

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

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

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  16. 42 CFR 440.350 - Employer-sponsored insurance health plans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

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

  17. 42 CFR 440.350 - Employer-sponsored insurance health plans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 4 2011-10-01 2011-10-01 false Employer-sponsored insurance health plans. 440.350 Section 440.350 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Benchmark-Equivalent Coverage § 440.350 Employer-sponsored insurance health plans. (a) A State may...

  18. 42 CFR 440.350 - Employer-sponsored insurance health plans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  19. 75 FR 27141 - Group Health Plans and Health Insurance Issuers Providing Dependent Coverage of Children to Age...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-13

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

  20. 76 FR 46621 - Group Health Plans and Health Insurance Issuers Relating to Coverage of Preventive Services Under...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-03

    ...-AQ07 Group Health Plans and Health Insurance Issuers Relating to Coverage of Preventive Services Under... group health plans and health insurance coverage in the group and individual markets under provisions of... to group health plans and group health insurance issuers on August 1, 2011. ADDRESSES:...

  1. 76 FR 44491 - Group Health Plans and Health Insurance Issuers: Rules Relating to Internal Claims and Appeals...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-26

    ...-AQ66 Group Health Plans and Health Insurance Issuers: Rules Relating to Internal Claims and Appeals and... amendment to the interim final rules (76 FR 37208) entitled, ``Group Health Plans and Health Insurance... rule with request for comments entitled, ``Group Health Plans and Health Insurance Issuers:...

  2. 75 FR 41787 - Requirement for Group Health Plans and Health Insurance Issuers To Provide Coverage of Preventive...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-19

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

  3. 75 FR 70114 - Amendment to the Interim Final Rules for Group Health Plans and Health Insurance Coverage...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-17

    ... Group Health Plans and Health Insurance Coverage Relating to Status as a Grandfathered Health Plan Under... and Insurance Oversight, Department of Health and Human Services. ACTION: Amendment to interim final... regulations implementing the rules for group health plans and health insurance coverage in the group...

  4. 75 FR 43109 - Requirements for Group Health Plans and Health Insurance Issuers Relating to Internal Claims and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-23

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

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

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

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

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

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

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  8. 7 CFR Exhibit L to Subpart A of... - Insured 10-Year Home Warranty Plan Requirements

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  9. 75 FR 70159 - Group Health Plans and Health Insurance Coverage Rules Relating to Status as a Grandfathered...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-17

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

  10. 77 FR 8725 - Group Health Plans and Health Insurance Issuers Relating to Coverage of Preventive Services Under...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-15

    ...-AQ74 Group Health Plans and Health Insurance Issuers Relating to Coverage of Preventive Services Under... insurance coverage sponsored by certain religious employers from having to cover certain preventive health... generally apply to group health plans and group health insurance issuers on April 16, 2012. FOR...

  11. 75 FR 37242 - Requirements for Group Health Plans and Health Insurance Issuers Under the Patient Protection and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-28

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

  12. 75 FR 41726 - Interim Final Rules for Group Health Plans and Health Insurance Issuers Relating to Coverage of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-19

    ...-AQ07 Interim Final Rules for Group Health Plans and Health Insurance Issuers Relating to Coverage of... Consumer Information and Insurance Oversight, Department of Health and Human Services. ACTION: Interim... implementing the rules for group health plans and health insurance coverage in the group and individual...

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

    ERIC Educational Resources Information Center

    Reis, Janet; And Others

    1987-01-01

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

  14. Family Planning and the Young Minority Male: A Pilot Project.

    ERIC Educational Resources Information Center

    Johnson, Leanor Boulin; Staples, Robert E.

    1989-01-01

    Describes the Young Inner-City Males Project, a pilot project to provide culturally relevant family life planning services to young minority males in Los Angeles. The project offered goal-directed support to promote sexual responsibility and reduce unwanted pregnancies. (FMW)

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

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

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

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

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

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

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

    PubMed

    Weiner, J P; de Lissovoy, G

    1993-01-01

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

  18. Statistical analysis plan of the head position in acute ischemic stroke trial pilot (HEADPOST pilot).

    PubMed

    Olavarría, Verónica V; Arima, Hisatomi; Anderson, Craig S; Brunser, Alejandro; Muñoz-Venturelli, Paula; Billot, Laurent; Lavados, Pablo M

    2017-02-01

    Background The HEADPOST Pilot is a proof-of-concept, open, prospective, multicenter, international, cluster randomized, phase IIb controlled trial, with masked outcome assessment. The trial will test if lying flat head position initiated in patients within 12 h of onset of acute ischemic stroke involving the anterior circulation increases cerebral blood flow in the middle cerebral arteries, as measured by transcranial Doppler. The study will also assess the safety and feasibility of patients lying flat for ≥24 h. The trial was conducted in centers in three countries, with ability to perform early transcranial Doppler. A feature of this trial was that patients were randomized to a certain position according to the month of admission to hospital. Objective To outline in detail the predetermined statistical analysis plan for HEADPOST Pilot study. Methods All data collected by participating researchers will be reviewed and formally assessed. Information pertaining to the baseline characteristics of patients, their process of care, and the delivery of treatments will be classified, and for each item, appropriate descriptive statistical analyses are planned with comparisons made between randomized groups. For the outcomes, statistical comparisons to be made between groups are planned and described. Results This statistical analysis plan was developed for the analysis of the results of the HEADPOST Pilot study to be transparent, available, verifiable, and predetermined before data lock. Conclusions We have developed a statistical analysis plan for the HEADPOST Pilot study which is to be followed to avoid analysis bias arising from prior knowledge of the study findings. Trial registration The study is registered under HEADPOST-Pilot, ClinicalTrials.gov Identifier NCT01706094.

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

    PubMed

    2012-12-06

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

  20. 78 FR 30218 - Pre-Existing Condition Insurance Plan Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-22

    ... Plan using the current cost sharing rules described in the Plan brochure. Furthermore, to protect... the remainder, as calculated by the Plan using the current cost sharing rules described in the Plan... drugs is not administratively feasible or cost effective. Therefore, the current plan allowances...

  1. 26 CFR 1.105-11 - Self-insured medical reimbursement plan.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... individuals, as well as the amount of the benefit subject to reimbursement. A plan may establish a maximum... self-insured plan will be deemed to benefit an employee who has enrolled in a health maintenance... activity undertaken for exercise, fitness, nutrition, recreation, or the general improvement of...

  2. 76 FR 37207 - Group Health Plans and Health Insurance Issuers: Rules Relating to Internal Claims and Appeals...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-24

    ... 45 CFR Part 147 Group Health Plans and Health Insurance Issuers: Rules Relating to Internal Claims... Health Plans and Health Insurance Issuers: Rules Relating to Internal Claims and Appeals and External... internal claims and appeals and external review processes for group health plans and health...

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

    PubMed

    Ward, Andrew; Johnson, Pamela Jo

    2013-12-01

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

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

    PubMed

    Hall, Mark A; Monahan, Amy B

    2010-01-01

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

  5. 26 CFR 31.3401(a)(19)-1 - Reimbursements under a self-insured medical reimbursement plan.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Reimbursements under a self-insured medical... Reimbursements under a self-insured medical reimbursement plan. Amounts reimbursed to or on behalf of an employee after December 31, 1979, as a medical care reimbursement under a self-insured medical reimbursement...

  6. 26 CFR 31.3401(a)(19)-1 - Reimbursements under a self-insured medical reimbursement plan.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 15 2011-04-01 2011-04-01 false Reimbursements under a self-insured medical... Reimbursements under a self-insured medical reimbursement plan. Amounts reimbursed to or on behalf of an employee after December 31, 1979, as a medical care reimbursement under a self-insured medical reimbursement...

  7. 26 CFR 31.3401(a)(19)-1 - Reimbursements under a self-insured medical reimbursement plan.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 15 2013-04-01 2013-04-01 false Reimbursements under a self-insured medical... Reimbursements under a self-insured medical reimbursement plan. Amounts reimbursed to or on behalf of an employee after December 31, 1979, as a medical care reimbursement under a self-insured medical reimbursement...

  8. 78 FR 25909 - Minimum Value of Eligible Employer-Sponsored Plans and Other Rules Regarding the Health Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-03

    ... Other Rules Regarding the Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS... relating to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care... coverage under a qualified health plan through an Affordable Insurance Exchange may receive a premium...

  9. Waste Isolation Pilot Plant Environmental Monitoring Plan

    SciTech Connect

    Westinghouse Electric Company Waste Isolation Division

    1999-09-29

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

  10. Insuring That Families Plan and Save for College.

    ERIC Educational Resources Information Center

    Belvin, James

    1995-01-01

    Because so many Americans can afford to save for children's college costs but do not, it is proposed that employers take a more active role in promoting college financial planning. Possible solutions include company-sponsored contributory accounts, educational savings plans; payroll deduction plans, educational annuity programs, subsidized or…

  11. How a new 'public plan' could affect hospitals' finances and private insurance premiums.

    PubMed

    Dobson, Allen; DaVanzo, Joan E; El-Gamil, Audrey M; Berger, Gregory

    2009-01-01

    Two key health reform bills in the House of Representatives and Senate include the option of a "public plan" as an additional source of health coverage. At least initially, the plan would primarily be structured to cover many of the uninsured and those who now have individual coverage. Because it is possible, and perhaps even likely, that this new public payer would pay less than private payers for the same services, such a plan could negatively affect hospital margins. Hospitals may attempt to recoup losses by shifting costs to private payers. We outline the financial pressures that hospitals and private payers could experience under various assumptions. High uninsured enrollment in a public plan would bolster hospital margins; however, this effect is reversed if the privately insured enter a public plan in large proportions, potentially stressing the hospital industry and increasing private insurance premiums.

  12. 76 FR 37037 - Requirements for Group Health Plans and Health Insurance Issuers Relating to Internal Claims and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-24

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

  13. Adverse selection with a multiple choice among health insurance plans: a simulation analysis.

    PubMed

    Marquis, M S

    1992-08-01

    This study uses simulation methods to quantify the effects of adverse selection. The data used to develop the model provide information about whether families can accurately forecast their risk and whether this forecast affects the purchase of insurance coverage--key conditions for adverse selection to matter. The results suggest that adverse selection is sufficient to eliminate high-option benefit plans in multiple choice markets if insurers charge a single, experience-rated premium. Adverse selection is substantially reduced if premiums are varied according to demographic factors. Adverse selection is also restricted in supplementary insurance markets. In this market, supplementary policies are underpriced because a part of the additional benefits that purchasers can expect is a cost to the base plan and is not reflected in the supplementary premium. As a result, full supplementary coverage is attractive to both low and high risks.

  14. Experimental program plan for the Waste Isolation Pilot Plant

    SciTech Connect

    Not Available

    1994-01-01

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

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

    NASA Technical Reports Server (NTRS)

    Pritchett, Amy R.

    2002-01-01

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

  16. Health Insurance Basics

    MedlinePlus

    ... Loss Surgery? A Week of Healthy Breakfasts Shyness Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics A ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  17. Health Insurance Basics

    MedlinePlus

    ... Loss Surgery? A Week of Healthy Breakfasts Shyness Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics Print ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  18. Waste Isolation Pilot Plant Groundwater Protection Management Program Plan

    SciTech Connect

    Washington TRU Solutions

    2002-09-24

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

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

    ERIC Educational Resources Information Center

    Liang, Bryan A.

    2010-01-01

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

  20. [Informatics system at the Croatian Institute of Health Insurance today and plans for future].

    PubMed

    Jezidzić, Hrvoje

    2005-01-01

    Basic information is provided on the informatics system at the Croatian Institute of Health Insurance (CIHI). The focus is on the newwork infrastructure, which connects 130 locations 24 hours on line and installed hardware and software equipment at CIHI. A modern network infrastructure makes technical basis of modern informatics system. Technical data on the safe and reliable communication system with FR telecommunication capacity are presented. UNIX servers at the headquaters and branch offices, INFORMIX database and the own application ZOROH provide a basis for core business. Active Directory, web pages www.hzzo-net.hr, Intranet and CIHI IT portal are the main parts of the modern CIHI office info subsystem. Basic information is given about the system for production and.distribution of health insurance cards--plastic cards with magnetic strip for basic and additional health insurance. Informatics Department of CIHI has issued more than 13,000,000 basic health insurance cards and over 1,500,000 additional health insurance cards. Data storage and reporting system as part of the CIHI informatics system is essential for analyzing and planning health insurance business. CIHI IT has created a modern reporting system with: (a) superior performance and power of analytical and reporting possibilities; (b) scalable and flexible platform; (c) proactive reporting (Web, SMS, WAP, e-mail, fax, voice); (d) web interface for users. The presentation is concluded with basic information on the current projects such as introduction of digital signature in CIHI and plans for the introduction of smart cards instead of plastic cards with magnetic strip. Today, CIHI IT plays the major role in the process of health system computerization in Croatia. CIHI is technically and personnel equipped for computerization of the entire health system. The informatics system of CIHI can serve as a backbone for the informatics health system in the future.

  1. Advance care treatment plan (ACT-Plan) for African American family caregivers: a pilot study.

    PubMed

    Bonner, Gloria J; Wang, Edward; Wilkie, Diana J; Ferrans, Carol E; Dancy, Barbara; Watkins, Yashika

    2014-01-01

    Research is limited on end-of-life treatment decisions made by African American family caregivers. In a pilot study, we examined the feasibility of implementing an advance care treatment plan (ACT-Plan), a group-based education intervention, with African American dementia caregivers. Theoretically based, the ACT-Plan included strategies to enhance knowledge, self-efficacy, and behavioral skills to make end-of-life treatment plans in advance. Cardiopulmonary resuscitation, mechanical ventilation, and tube feeding were end-of-life treatments discussed in the ACT-Plan. In a four-week pre/posttest two-group design at urban adult day care centers, 68 caregivers were assigned to the ACT-Plan or attention-control health promotion conditions. Findings strongly suggest that the ACT-Plan intervention is feasible and appropriate for African American caregivers. Self-efficacy and knowledge about dementia, cardiopulmonary resuscitation, mechanical ventilation, and tube feeding increased for ACT-Plan participants but not for the attention-control. More ACT-Plan than attention-control participants developed advance care plans for demented relatives. Findings warrant a randomized efficacy trial.

  2. 76 FR 58379 - Resolution Plans Required for Insured Depository Institutions With $50 Billion or More in Total...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-21

    ... parent holding company under the Bankruptcy Code, the Rule is focused on planning the resolution of the... and demonstrate the insured depository institution's ability to be separated from its parent structure... biased in favor of separation of the insured depository institution from the parent organization...

  3. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) Effective June 25, 1970, a 5-year level premium term policy which lapsed for nonpayment of the premium due... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Renewal of Term...

  4. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ...) Effective June 25, 1970, a 5-year level premium term policy which lapsed for nonpayment of the premium due... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Renewal of Term...

  5. 38 CFR 8.26 - Renewal of National Service Life Insurance on the 5-year level premium term plan.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) Effective June 25, 1970, a 5-year level premium term policy which lapsed for nonpayment of the premium due... Service Life Insurance on the 5-year level premium term plan. 8.26 Section 8.26 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Renewal of Term...

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

    SciTech Connect

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

    1995-12-31

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

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

    NASA Technical Reports Server (NTRS)

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

    1981-01-01

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

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

    PubMed

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

    1982-10-01

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

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

    PubMed

    2015-12-18

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

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

    PubMed

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

    2015-12-01

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

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

    NASA Technical Reports Server (NTRS)

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

    1981-01-01

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

  12. 29 CFR 2550.401c-1 - Definition of “plan assets”-insurance company general accounts.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  13. 29 CFR 2520.104a-6 - Annual reporting for plans which are part of a group insurance arrangement.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Annual reporting for plans which are part of a group... Requirements § 2520.104a-6 Annual reporting for plans which are part of a group insurance arrangement. (a...) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR REPORTING AND DISCLOSURE UNDER THE...

  14. 77 FR 3075 - Resolution Plans Required for Insured Depository Institutions With $50 Billion or More in Total...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-23

    ... Plan will describe the plan to resolve each parent holding company under the Bankruptcy Code, the Rule... insurance fund or the economy, or if the parent company has been designated as a systemically important... association is over $50 billion and receives a CAMELS rating of 3 or worse or its parent receives...

  15. The Cost of Unintended Pregnancies for Employer-Sponsored Health Insurance Plans

    PubMed Central

    Dieguez, Gabriela; Pyenson, Bruce S.; Law, Amy W.; Lynen, Richard; Trussell, James

    2015-01-01

    Background Pregnancy is associated with a significant cost for employers providing health insurance benefits to their employees. The latest study on the topic was published in 2002, estimating the unintended pregnancy rate for women covered by employer-sponsored insurance benefits to be approximately 29%. Objectives The primary objective of this study was to update the cost of unintended pregnancy to employer-sponsored health insurance plans with current data. The secondary objective was to develop a regression model to identify the factors and associated magnitude that contribute to unintended pregnancies in the employee benefits population. Methods We developed stepwise multinomial logistic regression models using data from a national survey on maternal attitudes about pregnancy before and shortly after giving birth. The survey was conducted by the Centers for Disease Control and Prevention through mail and via telephone interviews between 2009 and 2011 of women who had had a live birth. The regression models were then applied to a large commercial health claims database from the Truven Health MarketScan to retrospectively assign the probability of pregnancy intention to each delivery. Results Based on the MarketScan database, we estimate that among employer-sponsored health insurance plans, 28.8% of pregnancies are unintended, which is consistent with national findings of 29% in a survey by the Centers for Disease Control and Prevention. These unintended pregnancies account for 27.4% of the annual delivery costs to employers in the United States, or approximately 1% of the typical employer's health benefits spending for 1 year. Using these findings, we present a regression model that employers could apply to their claims data to identify the risk for unintended pregnancies in their health insurance population. Conclusion The availability of coverage for contraception without employee cost-sharing, as was required by the Affordable Care Act in 2012, combined with

  16. 77 FR 33498 - Joint Industry Plans; Order Approving, on a Pilot Basis, the National Market System Plan To...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-06

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Joint Industry Plans; Order Approving, on a Pilot Basis, the National Market System Plan To Address Extraordinary Market Volatility by BATS Exchange, Inc., BATS Y-Exchange, Inc., Chicago Board Options Exchange, Incorporated, Chicago...

  17. Waste Isolation Pilot Plant Groundwater Protection Management Program Plan

    SciTech Connect

    Washington Regulatory and Environmental Services

    2005-07-01

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

  18. [The relationship between hospitals and health plans organizations in the scope of ANS Health Insurance Qualification Program].

    PubMed

    Escrivão Junior, Alvaro; Koyama, Marcos Fumio

    2007-01-01

    In Brazilian health insurance sector, the fee-for-service model still remains the major payment method for health services, and predominates in the relationship between hospitals and private health insurance companies. After the creation of Health Insurance Qualification Program (HIQP), which focuses on the quality of the assistance given to consumers, the health insurance companies will be evaluated by health care performance indicators, established by this program. The present study discusses the impact of this pattern on the relationship between health insurance companies and hospitals, by analyzing data from interviews carried through with 18 health insurance managers, regarding the use - in hospital management - of performance indicators compatible to those adopted by HIQP. According to the managers perception, only three hospitals use this sort of indicators, two of them which are hospitals managed by the health insurance companies. The alignment of interests between health plans organizations and health care providers, at the HIQP proposed template, will imply changes in payment models between these market players, towards the inclusion of performance and quality of assistance given to users by providers, as components of wage determination.

  19. [Linkage Between Promotion of Employment and Promotion of Health in the Community Setting - Results of the Pilot Project of the Federal Employment Agency and the Statutory Health Insurance].

    PubMed

    Bellwinkel, Michael; Schreiner-Kürten, Karin; Melzer, Kathrin

    2017-04-03

    The Federal Employment Agency and the Statutory Health Insurance (GKV) have put the link between the promotion of employment and of health to the test by making a joint approach aiming to reach unemployed persons with preventive health services and to maintain or improve their employability. Specialist case workers (Integrationsfachkräfte) of the job centres conducted health consultations, motivating unemployed persons and raising their awareness of their own health as well as enabling them to access health promotion services of health insurance funds on a voluntary basis. Three different approaches were tested: consultations either being offered by specialist case workers of the job centres, by contracted educational institutions or by the federal employment agency's own special services (Fachdienste). The pilot project was implemented locally in the community setting. The steering groups set up in the 6 pilot locations, consisting of representatives of the job centres and the health insurance funds as well as of further local players, were the key element of this project. The offers implemented were a success: The unemployed persons welcomed the consultations offered by job centres; the preventive health services specifically directed at unemployed persons that were provided by health insurance funds have proven successful, especially in terms of reducing stress and maintaining employability. Inclusion of the key points of this approach into the basic recommendations at federal level (Bundesrahmenempfehlungen) of the National Conference on Prevention of 19 February 2016 has created a basis for further advances and dissemination.

  20. The cost escalation of social health insurance plans in China: its implication for public policy.

    PubMed

    Liu, X; Hsiao, W C

    1995-10-01

    China has been alarmed by its rapid rise in health care expenditures of social health insurance schemes. The health care expenditure per person for the 155 million people covered by the Chinese social insurance plans has been rising at an accelerative rate. We analyze why health care cost in China has risen, and show how other nations may benefit from this experience. The annual rate of increase in health expenditure per capita was only 3.1% during 1952 to 1978, the average rate rose to 8.2% during 1978 to 1985 and then 24.4% during 1985 to 1989. We found general inflation explained one-half of the high rates of increase between 1985-1989. Although China introduced patients co-payments in 1985, the residual expenditure per capita (after adjusting for general inflation and aging of the beneficiaries) increased at 7.4% per year due to the adoption of new technology, uses of more expensive drugs and increased quality of services. While we found the expenditure increases in China were largely caused by uncontrollable factors such as general inflation and aging of the population, we also found the change in Chinese hospital financing and payment policy caused rapid adoption of high-tech medicine and abusive usage of more expensive drugs which largely explained the annual increases in expenditures of 7.4% between 1985-1989. Chinese experience also shows that demand strategy (co-payment by patients) had very little effect to contain cost escalation.

  1. Growth and variability in health plan premiums in the individual insurance market before the Affordable Care Act.

    PubMed

    Gruber, Jonathan

    2014-06-01

    Before we can evaluate the impact of the Affordable Care Act on health insurance premiums in the individual market, it is critical to understand the pricing trends of these premiums before the implementation of the law. Using rates of increase in the individual insurance market collected from state regulators, this issue brief documents trends in premium growth in the pre-ACA period. From 2008 to 2010, premiums grew by 10 percent or more per year. This growth was also highly variable across states, and even more variable across insurance plans within states. The study suggests that evaluating trends in premiums requires looking across a broad array of states and plans, and that policymakers must examine how present and future changes in premium rates compare with the more than 10 percent per year premium increases in the years preceding health reform.

  2. 29 CFR 2550.401c-1 - Definition of “plan assets”-insurance company general accounts.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... accounts. 2550.401c-1 Section 2550.401c-1 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS... an insurer issues one or more policies to or for the benefit of an employee benefit plan (and such... of guaranteed benefits or to the payment of benefits, and the terms on which such withdrawals...

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

    PubMed

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

    2012-08-01

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

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

    ERIC Educational Resources Information Center

    Carlisle, David H.; And Others

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

  5. Disability Insurance

    PubMed Central

    Williamson, Elliot A.

    1985-01-01

    A disability insurance policy provides specified income benefits when the insured person becomes unable to work because of illness or accident. With an individual policy, the insured person is generally the policy holder. With a group plan, the employer is the policy holder. An individual policy can provide several optional benefits in addition to disability benefits, which are not available in a group plan. In assessing risk, the insurer uses the application, the agent's report, a physical examination, the attending physician's report, and sometimes a consumer investigation company's inspection report. Records from the Medical Information Bureau, an association of American and Canadian life insurance companies, may also be used. The process of claims adjudication is described, as are differences between short-term and long-term disability claims. Many group policies have a rehabilitation provision; payments may continue while the claimant undergoes rehabilitation or retraining. Imagesp1928-a PMID:21274206

  6. Five features of value-based insurance design plans were associated with higher rates of medication adherence.

    PubMed

    Choudhry, Niteesh K; Fischer, Michael A; Smith, Benjamin F; Brill, Gregory; Girdish, Charmaine; Matlin, Olga S; Brennan, Troyen A; Avorn, Jerry; Shrank, William H

    2014-03-01

    Value-based insurance design (VBID) plans selectively lower cost sharing to increase medication adherence. Existing plans have been structured in a variety of ways, and these variations could influence the effectiveness of VBID plans. We evaluated seventy-six plans introduced by a large pharmacy benefit manager during 2007-10. We found that after we adjusted for the other features and baseline trends, VBID plans that were more generous, targeted high-risk patients, offered wellness programs, did not offer disease management programs, and made the benefit available only for medication ordered by mail had a significantly greater impact on adherence than plans without these features. The effects were as large as 4-5 percentage points. These findings can provide guidance for the structure of future VBID plans.

  7. Nonprofit to for-profit conversions by hospitals, health insurers, and health plans.

    PubMed Central

    Needleman, J

    1999-01-01

    Conversion of hospitals, health insurers, and health plans from nonprofit to for-profit ownership has become a focus of national debate. The author examines why nonprofit ownership has been dominant in the US health system and assesses the strength of the argument that nonprofits provide community benefits that would be threatened by for-profit conversion. The author concludes that many of the specific community benefits offered by nonprofits, such as care for the poor, could be maintained or replaced by adequate funding of public programs and that quality and fairness in treatment can be better assured through clear standards of care and adequate monitoring systems. As health care becomes increasingly commercialized, the most difficult parts of nonprofits' historic mission to preserve are the community orientation, leadership role, and innovation that nonprofit hospitals and health plans have provided out of their commitment to a community beyond those to whom they sell services. Images p109-a p110-a p115-a p116-a PMID:10199712

  8. Examining the Value of Subsidies of Health Plans and Cost-Sharing for Prescription Drugs in the Health Insurance Marketplace

    PubMed Central

    Ngorsuraches, Surachat; Mort, Jane R.

    2016-01-01

    Background The Affordable Care Act (ACA) initiated federally and state-run health insurance exchanges, or marketplaces, with health plans offering subsidies for plan members as well as coverage for essential health benefits, to help individuals, families, and small businesses find health plans that fit their specific needs. A recent study found that the value of these healthcare subsidies varied with the number of health plans in the different geographic rating areas, but that study only examined the premiums and the deductibles of those health plans. Objectives To examine the value of subsidies of health plans, including cost-sharing for prescription drugs in the health insurance marketplace. Methods We have used publicly available health plan data from HealthCare.gov and from county population data obtained from the US Census Bureau in June 2015. The average-weighted premium; medical deductible; medical maximum out-of-pocket spending; and cost-sharing for generic drugs, preferred and nonpreferred brand-name drugs, and specialty drugs were calculated for the second lowest-cost silver plan in each geographic rating area. These were then compared across geographic areas with different numbers of plans to determine the value of the subsidies. We also compared the difference between the cost of the average silver plan and the second lowest-cost silver plan for each area to determine the cost to enrollees if they selected the average silver plan. Results The monetary value of the subsidies provided by health plans was lower in areas with a larger number of plans, because the second lowest-cost silver plans in these areas tended to have lower premiums and higher deductibles. For the most common type of cost-sharing for generic and for preferred brand-name drugs, plan enrollees would likely have a lower or similar copayment if they selected the average-cost silver plan instead of the second lowest-cost silver plan. However, they may end up paying approximately $8 less in

  9. Interim final rules for group health plans and health insurance coverage relating to status as a grandfathered health plan under the Patient Protection and Affordable Care Act. Interim final rules with request for comments.

    PubMed

    2010-06-17

    This document contains interim final regulations implementing the rules for group health plans and health insurance coverage in the group and individual markets under provisions of the Patient Protection and Affordable Care Act regarding status as a grandfathered health plan.

  10. Value-Based Insurance Design Benefit Offsets Reductions In Medication Adherence Associated With Switch To Deductible Plan.

    PubMed

    Reed, Mary E; Warton, E Margaret; Kim, Eileen; Solomon, Matthew D; Karter, Andrew J

    2017-03-01

    Enrollment in high-deductible health plans is increasing out-of-pocket spending. But innovative plans that pair deductibles with value-based insurance designs can help preserve low-cost access to high-value treatments for patients by aligning coverage with clinical value. Among adults in high-deductible health plans who were prescribed medications for chronic conditions, we examined what impact a value-based pharmacy benefit that offered free chronic disease medications had on medication adherence. Overall, we found that the value-based plan offset reductions in medication adherence associated with switching to a deductible plan. The value-based plan appeared particularly beneficial for patients who started with low levels of medication adherence. Patients with additional clinical complexity or vulnerable populations living in neighborhoods with lower socioeconomic status, however, did not show adherence improvements and might not be taking advantage of value-based insurance design provisions. Additional efforts may be needed to educate patients about their nuanced benefit plans to help overcome initial confusion about these complex plans.

  11. Amendment to the interim final rules for group health plans and health insurance coverage relating to status as a grandfathered health plan under the Patient Protection and Affordable Care Act. Amendment to interim final rules with request for comments.

    PubMed

    2010-11-17

    This document contains an amendment to interim final regulations implementing the rules for group health plans and health insurance coverage in the group and individual markets under provisions of the Patient Protection and Affordable Care Act regarding status as a grandfathered health plan; the amendment permits certain changes in policies, certificates, or contracts of insurance without loss of grandfathered status.

  12. Using Study Plans to Develop Self-Directed Learning Skills: Implications from a Pilot Project

    ERIC Educational Resources Information Center

    Du, Fengning

    2012-01-01

    Self-directed learning has been lauded as a powerful learner-centered approach to involve students in every aspect of their learning. This article depicts a pilot project utilizing study plan as a vehicle to promote self-directed learning in an intensive and teacher-dominant college language program. This article seeks to identify both the…

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

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

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

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

    PubMed

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

    2015-06-01

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

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

    NASA Technical Reports Server (NTRS)

    Yao, S. S. (Principal Investigator)

    1981-01-01

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

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

    SciTech Connect

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

    1992-12-01

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

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

    NASA Technical Reports Server (NTRS)

    1984-01-01

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

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

    PubMed

    Bahia, Ligia

    2008-01-01

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

  19. Interim rules for health insurance portability for group health plans--HCFA. Interim rules with request for comments.

    PubMed

    1997-04-08

    This document contains interim rules governing access, portability and renewability requirements for group health plans and issuers of health insurance coverage offered in connection with a group health plan. The rules contained in this document implement changes made to certain provisions of the Internal Revenue Code of 1986 (Code), the Employee Retirement Income Security Act of 1974 (ERISA), and the Public Health Service Act (PHS Act) enacted as part of the Health Insurance Portability and Accountability Act of 1996 (HIPAA). Interested persons are invited to submit comments on the interim rules for consideration by the Department of Health and Human Services, the Department of Labor, and the Department of the Treasury (Departments) in developing final rules. The rules contained in this document are being adopted in an interim basis to accommodate statutorily established time frames intended to ensure that sponsors and administrators of group health plans, participants and beneficiaries, States, and issuers of group health insurance coverage have timely guidance concerning compliance with the recently enacted requirements of HIPAA.

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

    ERIC Educational Resources Information Center

    Kingson, Eric R.; And Others

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

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

    ERIC Educational Resources Information Center

    Barry, Colleen L.; Ridgely, M. Susan

    2008-01-01

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

  2. 7 CFR 457.139 - Fresh market tomato (dollar plan) crop insurance provisions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) Tropical depression; or (7) Failure of the irrigation water supply, if caused by an insured cause of loss... insured cause of loss. Planting period. The period of time designated in the actuarial documents in which.... Tropical depression. A system identified by the U.S. Weather Service as a tropical depression, and for...

  3. 7 CFR 457.139 - Fresh market tomato (dollar plan) crop insurance provisions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) Tropical depression; or (7) Failure of the irrigation water supply, if caused by an insured cause of loss... insured cause of loss. Planting period. The period of time designated in the actuarial documents in which.... Tropical depression. A system identified by the U.S. Weather Service as a tropical depression, and for...

  4. 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

  5. Group health plans and health insurance issuers relating to coverage of preventive services under the Patient Protection and Affordable Care Act. Interim final rules with request for comments.

    PubMed

    2011-08-03

    This document contains amendments to the interim final regulations implementing the rules for group health plans and health insurance coverage in the group and individual markets under provisions of the Patient Protection and Affordable Care Act regarding preventive health services.

  6. Family Planning and the Young Minority Male: A Pilot Project.

    ERIC Educational Resources Information Center

    Johnson, Leanor Boulin; Staples, Robert E.

    1979-01-01

    Reports on a program aimed at young Black, Spanish-speaking, Asian, and American Indian males in relation to family life education, planning, and parental concerns. The project develops an approach to the promotion of sexual responsibility and reduction of unwanted pregnancy through support and assistance to potential unwed fathers. (Author)

  7. Growth of consumer-directed health plans to one-half of all employer-sponsored insurance could save $57 billion annually.

    PubMed

    Haviland, Amelia M; Marquis, M Susan; McDevitt, Roland D; Sood, Neeraj

    2012-05-01

    Enrollment is increasing in consumer-directed health insurance plans, which feature high deductibles and a personal health care savings account. We project that an increase in market share of these plans--from the current level of 13 percent of employer-sponsored insurance to 50 percent--could reduce annual health care spending by about $57 billion. That decrease would be the equivalent of a 4 percent decline in total health care spending for the nonelderly. However, such growth in consumer-directed plan enrollment also has the potential to reduce the use of recommended health care services, as well as to increase premiums for traditional health insurance plans, as healthier individuals drop traditional coverage and enroll in consumer-directed plans. In this article we explore options that policy makers and employers facing these challenges should consider, including more refined plan designs and decision support systems to promote recommended services.

  8. The impact of Gonoshasthaya Kendra's Micro Health Insurance plan on antenatal care among poor women in rural Bangladesh.

    PubMed

    Islam, Mohammad Touhidul; Igarashi, Isao; Kawabuchi, Koichi

    2012-08-01

    Low utilization of antenatal care (ANC) by pregnant women, particularly in rural areas, is an obstacle to ensuring safe motherhood in Bangladesh. Currently, Micro Health Insurance (MHI) is being considered in many developing countries as a potential method for assuring greater access to health care, especially for the poor. So far, there is only limited evidence evaluating MHI schemes. This study assesses the impact of MHI administered by Gonoshasthaya Kendra (GK) on ANC utilization by poor women in rural Bangladesh. We conducted a questionnaire survey and collected 321 valid responses from women enrolled in GK's MHI scheme and 271 from women not enrolled in any health insurance plan. We used a two-part model in which dependent variables were whether or not women utilized ANC and the number of times ANC was used. The model consisted of logistic regression analysis and ordinary least squares regression analysis. The main independent variables were dummies for socioeconomic classes according to GK, each of which represented the premiums and co-payments charged by class. The results showed that destitute, ultra-poor, and poor women enrolled in MHI used ANC significantly more than women not enrolled in health insurance. Women enrolled in MHI, except for those who were destitute or ultra-poor, utilized ANC significantly more times than women not enrolled in health insurance. We assume that GK's sliding premium and co-payment scales are key to ANC utilization by women. Expanding the MHI scheme may enhance ANC utilization among poor women in rural Bangladesh.

  9. Military Personnel: DOD Should Develop a Plan to Evaluate the Effectiveness of Its Career Intermission Pilot Program

    DTIC Science & Technology

    2015-10-01

    MILITARY PERSONNEL DOD Should Develop a Plan to Evaluate the Effectiveness of Its Career Intermission Pilot... Career Intermission Pilot Program 5a. CONTRACT NUMBER 5b. GRANT NUMBER 5c. PROGRAM ELEMENT NUMBER 6. AUTHOR(S) 5d. PROJECT NUMBER 5e. TASK NUMBER...the Effectiveness of Its Career Intermission Pilot Program Why GAO Did This Study Congress authorized CIPP in 2009 to provide greater

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

    SciTech Connect

    Not Available

    1994-08-01

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

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

    PubMed Central

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

    2015-01-01

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

  12. Addressing health care market reform through an insurance exchange: essential policy components, the public plan option, and other issues to consider.

    PubMed

    Fronstin, Paul; Ross, Murray N

    2009-06-01

    HEALTH INSURANCE EXCHANGE: This Issue Brief examines issues related to managed competition and the use of a health insurance exchange for the purpose of addressing cost, quality, and access to health care services. It discusses issues that must be addressed when designing an exchange in order to reform the health insurance market and also examines state efforts at health reform that use an exchange. RISK VS. PRICE COMPETITION: The basic component of managed competition is the creation an organized marketplace that brings together health insurers and consumers (either as individuals or through their employers). The sponsor of the exchange would set "rules of engagement" for participating insurers and offer consumers a menu of choices among different plans. Ultimately, the goal of a health insurance exchange is to shift the market from competition based on risk to competition based on price and quality. ADVERSE SELECTION AND AFFORDABILITY: Among the issues that need to be addressed if an exchange that uses managed competition has a realistic chance of reducing costs, improving quality, and expanding coverage: Everyone needs to be in the risk pool, with individuals required to purchase insurance or face significant financial consequences; effective risk adjustment is essential to eliminate risk selection as an insurance business model--forcing competition on costs and quality; the insurance benefit must be specific and clear--without standards governing cost sharing, covered services, and network coverage there is no way to assess whether a requirement to purchase or issue coverage has been met; and subsidies would be necessary for low-income individuals to purchase insurance. THE PUBLIC PLAN OPTION: The public plan option is shaping up to be one of the most contentious issues in the health reform debate. Proponents also believe of a public plan is necessary to drive private insurers toward true competition. Opponents view it as a step toward government-run health

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

    PubMed

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

    2015-05-01

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

  14. HUD PowerSaver Pilot Loan Program

    SciTech Connect

    Zimring, Mark; Hoffman, Ian

    2010-12-10

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

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

    SciTech Connect

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

    2006-03-01

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

  16. 100-OL-1 Operable Unit Field Portable X-Ray Fluorescence (XRF) Analyzer Pilot Study Plans

    SciTech Connect

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

    2014-07-01

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

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

    PubMed

    Riccardi, Ken

    2002-01-01

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

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

    NASA Technical Reports Server (NTRS)

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

    1981-01-01

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

  19. 26 CFR 46.4376-1 - Fee on sponsors of self-insured health plans.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... dependents. Plan 503 provides dental and vision benefits for employees of Plan Sponsor D and eligible... plans that are subject to the fee imposed by section 4376. Because dental and vision benefits are..., except Plan 503 is not a Plan that provides dental and vision benefits, but rather a plan that...

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

    SciTech Connect

    1996-05-01

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

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

    NASA Astrophysics Data System (ADS)

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

    2015-12-01

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

  2. Family planning in the Sudan: a pilot project success story.

    PubMed

    el Tom, A R; Lauro, D; Farah, A A; McNamara, R; Ali Ahmed, E F

    1989-01-01

    In 1980, the Department of Community Medicine of the University of Khartoum designed an operations research project to test the possibility of getting village midwives to be involved in the delivery of maternal and child health and family planning (MCH/FP) services. From 1981-1983 the project was implemented by the University of Khartoum in cooperation with the Ministry of Health. The project area covered 100 km. It encompassed a largely agrarian population of 93,000 in 90 villages north of Khartoum along the banks of the Nile. The focus was on training and supervising village midwives. Information was provided on contraceptives for birth spacing, distribution of oral contraceptives, and referral for other methods. Also provided to midwives was information for mothers on oral rehydration therapy for children with diarrhea, and distribution of oral rehydration solution packets. Nutrition education was given midwives with emphasis on breastfeeding and weaning procedures. Information was also supplied about vaccination for children under 5 years of age (in collaboration with the Sudan Expanded Program on Immunization). The project was expensive, particularly regarding incentive payments for supervisors and midwives. The project had a very good start, but when incentive payments were withdrawn, it almost collapsed. At first, what midwives could do to provide maternal and child health services was targeted, but as the project went on, there was more concern for involvement of midwives in broader rural health delivery. The project area was a conservative, Islamic one. An extension area was selected 5 hours travelling time from Khartoum in Shendi District of Nile Province. The project was begun in 60 villages of 75,000 inhabitants. The land stretched for 120 km along both banks of the Nile. In the extension area, a small fee (US$.025) was charged per cycle, half going to the midwives, and half towards the health teams' expenses. 21 health zones were created, and a health

  3. Farmers Insures Success

    ERIC Educational Resources Information Center

    Freifeld, Lorri

    2012-01-01

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

  4. Health insurance reform legislation.

    PubMed

    DiSimone, R L

    1997-01-01

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

  5. Direct Reimbursement of Nurse Practitioners in Health Insurance Plans of Research Universities.

    ERIC Educational Resources Information Center

    Scott, Cynthia Luna; Harrison, O. Anne

    1990-01-01

    Results of a survey of 77 public research universities indicated that, in spite of the presence of state legislation for third-party reimbursement of nursing services, legislation is not being implemented in many states by employers in their purchase of group health insurance policies. Nursing services covered by these policies include private…

  6. 7 CFR 457.139 - Fresh market tomato (dollar plan) crop insurance provisions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... plants per acre prior to the occurrence of an insurable cause of loss. Planted acreage. In addition to... adjacent row of plants. Tropical depression. A system identified by the U.S. Weather Service as a tropical depression, and for the period of time so designated, including tropical storms, gales, and hurricanes....

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

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... plants per acre prior to the occurrence of an insurable cause of loss. Planted acreage—In addition to the... depression—A system identified by the U.S. Weather Service as a tropical depression, and for the period of... date of transplanting or replanting with transplants. 11. Causes of Loss (a) In accordance with...

  8. 7 CFR 457.139 - Fresh market tomato (dollar plan) crop insurance provisions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... plants per acre prior to the occurrence of an insurable cause of loss. Planted acreage—In addition to the... depression—A system identified by the U.S. Weather Service as a tropical depression, and for the period of... date of transplanting or replanting with transplants. 11. Causes of Loss (a) In accordance with...

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

    PubMed

    Dworsky, Amy; Ahrens, Kym; Courtney, Mark

    2013-04-01

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

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

    ERIC Educational Resources Information Center

    Texas State Dept. of Water Resources, Austin.

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

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

    SciTech Connect

    Not Available

    1994-08-01

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

  12. Group insurance: a better deal for most people than individual plans.

    PubMed

    McDevitt, Roland; Gabel, Jon; Lore, Ryan; Pickreign, Jeremy; Whitmore, Heidi; Brust, Tina

    2010-01-01

    This paper compares health plans currently available on the individual market with employer-sponsored plans. Points of comparison include the scope of benefits, cost-sharing provisions, premiums, expected out-of-pocket costs, and actuarial value. We draw from the 2007 KFF/HRET Health Benefits Survey, our own survey of individual-market plans, the MarketScan medical claims database, and a computer simulation of medical claims. We find that in 2007, employment-based plans covered 80 percent of all charges paid by the plan and the member, while individual plans covered 64 percent. For most people, premiums and out-of-pocket costs were more affordable in tax-advantaged employer plans than in individual-market plans. Proposed health reforms would fundamentally alter the plan offerings available to Americans, particularly those offered in the individual market.

  13. Participation of plans and providers in Medicaid and SCHIP managed care. State Children's Health Insurance Program.

    PubMed

    Gold, Marsha; Mittler, Jesslca; Draper, Debra; Rousseau, David

    2003-01-01

    For Medicaid and SCHIP managed care programs to succeed, they must attract enough and the right kinds of plans and providers to meet access and care goals. In 2001 we analyzed practices and perceptions that bear on these goals by surveying managed care plans participating in Medicaid or SCHIP, or both, in eleven states. Participating plans appear supportive of both programs and are largely able to secure providers to participate, too. To date, SCHIP has not attracted many plans not already participating in Medicaid. While perceptions were positive in 2001, maintaining current plan and provider relationships in an environment that has become much more budget constrained will be challenging.

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

    SciTech Connect

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

    1991-01-01

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

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

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... for purposes of this section. Accordingly, a cost-plus policy or a policy which in effect merely... dental benefits. During the plan year Employee B, one of the 5 highest paid officers, received dental payments under the plan in the amount of $300. Because dental benefits are provided for highly...

  16. 26 CFR 1.105-11 - Self-insured medical reimbursement plan.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... for purposes of this section. Accordingly, a cost-plus policy or a policy which in effect merely... dental benefits. During the plan year Employee B, one of the 5 highest paid officers, received dental payments under the plan in the amount of $300. Because dental benefits are provided for highly...

  17. 26 CFR 1.105-11 - Self-insured medical reimbursement plan.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... for purposes of this section. Accordingly, a cost-plus policy or a policy which in effect merely... dental benefits. During the plan year Employee B, one of the 5 highest paid officers, received dental payments under the plan in the amount of $300. Because dental benefits are provided for highly...

  18. 26 CFR 1.105-11 - Self-insured medical reimbursement plan.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... for purposes of this section. Accordingly, a cost-plus policy or a policy which in effect merely... dental benefits. During the plan year Employee B, one of the 5 highest paid officers, received dental payments under the plan in the amount of $300. Because dental benefits are provided for highly...

  19. Group health plans and health insurance issuers relating to coverage of preventive services under the Patient Protection and Affordable Care Act. Final rules.

    PubMed

    2012-02-15

    These regulations finalize, without change, interim final regulations authorizing the exemption of group health plans and group health insurance coverage sponsored by certain religious employers from having to cover certain preventive health services under provisions of the Patient Protection and Affordable Care Act.

  20. 42 CFR 411.39 - Automobile and liability insurance (including self-insurance), no-fault insurance, and workers...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ...-insurance), no-fault insurance, and workers' compensation: Final conditional payment amounts via Web portal... (including self-insurance), no-fault insurance, and workers' compensation: Final conditional payment amounts...). (2) No fault insurance. (3) Workers' compensation laws or plans. Medicare Secondary Payer...

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

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... characteristics of both the assets and the liabilities of the insurer; (D) Actuarial opinion of the insurer's... individual and group life, health, disability, and annuity contracts. Experience rated general...

  2. DOE's Notification of Planned Change to the EPA 40 CFR Part 194 Certification of the Waste Isolation Pilot Plant: Remote-Handled Transuranic Waste Characterization Plan

    EPA Pesticide Factsheets

    The U.S. Department of Energy's Carlsbad Field Office (DOE/CBFO) provided the U.S. Environmental Protection Agency (EPA) this Notification of Planned Change to accept remote-handled (RH) transuranic (TRU) waste at the Waste Isolation Pilot Plant (WIPP).

  3. 1997 annual ground control operating plan for the Waste Isolation Pilot Plant

    SciTech Connect

    1997-02-01

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

  4. Fertility awareness / natural family planning for adolescents and their families: report of multisite pilot project.

    PubMed

    Klaus, H; Bryan, L M; Bryant, M L; Fagan, M U; Harrigan, M B; Kearns, F

    1987-01-01

    Fertility awareness is experiential learning about cyclic fertility. This awareness, used as a family planning method, differs from contraception because it does not isolate the procreative capacity of either partner. The acceptability and effect of teaching fertility awareness on teen sexual activity and decision making was tested in a multisite pilot program which taught fertility awareness via the prospective marker of the cervical mucus (ovulation method of natural family planning). 200 US and 35 Guatemalan volunteer women ages 15-17 in a structured 1 year curriculum, monitored cycle charting and explored the implications of experiencing one's signs of fertility. Control subjects were recruited from the general population and from family planning clinics. 9% of the US study group were sexually active prior to entry. By cycle 12, 1/2 had discontinued activity. Conception rate was 0.0044. The continuation rate dropped from 90% at cycle 7 to 71% at cycle 8 due to scheduling constraints for 2 classes and to 57% at cycle 12. Postprogram follow-up of early leavers showed only 1/3 the expected rate of onset of sexual activity and pregnancy. Parent involvement correlated positively with postponement and/or discontinuation of sexual activity. Reported movement away from peer group pressure appeared 3 months after entry.

  5. National Geoscience Data Repository System, Phase 2: Planning and pilot study. Progress report, third quarter, July--September, 1995

    SciTech Connect

    1995-11-01

    Two tasks are described. The Planning and Specification task includes: organization, operations and management plan; data audit and prioritization; data preparation, transcription, imaging, and preservation; data catalog and indexing; and data access, distribution, and delivery. The Pilot Projects task includes digital seismic data transfer; core and cuttings processing; catalog and index database; and paper records data capture. The status of each of these are briefly discussed.

  6. The use of significant event analysis and personal development plans in developing CPD: a pilot study.

    PubMed

    Wright, P D; Franklin, C D

    2007-07-14

    This paper describes the work undertaken by the Postgraduate Primary Care Trust (PCT) Dental Tutor for South Yorkshire and East Midlands Regional Postgraduate Dental Education Office during the first year of a two-year pilot. The tutor has special responsibility for facilitating the writing of Personal Development Plans (PDPs) and the introduction of Significant Event Analysis to the 202 general dental practitioners in the four Sheffield PCTs. Data were collected on significant events and the educational needs highlighted as a result. A hands-on workshop format was used in small practice groups and 45% of Sheffield general dental practitioners now have written PDPs compared with a 16% national average. A library of significant events has also been collated from the data collected.

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

    PubMed Central

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

    2016-01-01

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

  8. 75 FR 27464 - Special Reporting, Analysis and Contingent Resolution Plans at Certain Large Insured Depository...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-17

    ... CORPORATION 12 CFR Part 360 RIN 3064-AD59 Special Reporting, Analysis and Contingent Resolution Plans at... complex financial parent companies to submit to the FDIC analysis, information, and contingent resolution... steps that are or will be taken to eliminate or mitigate such impediments. The contingent...

  9. Pilot-testing an applied competency-based approach to health human resources planning.

    PubMed

    Tomblin Murphy, Gail; MacKenzie, Adrian; Alder, Rob; Langley, Joanne; Hickey, Marjorie; Cook, Amanda

    2013-10-01

    A competency-based approach to health human resources (HHR) planning is one that explicitly considers the spectrum of knowledge, skills and judgement (competencies) required for the health workforce based on the health needs of the relevant population in some specific circumstances. Such an approach is of particular benefit to planners challenged to make optimal use of limited HHR as it allows them to move beyond simply estimating numbers of certain professionals required and plan instead according to the unique mix of competencies available from the existing health workforce. This kind of flexibility is particularly valuable in contexts where healthcare providers are in short supply generally (e.g. in many developing countries) or temporarily due to a surge in need (e.g. a pandemic or other disease outbreak). A pilot application of this approach using the context of an influenza pandemic in one health district of Nova Scotia, Canada, is described, and key competency gaps identified. The approach is also being applied using other conditions in other Canadian jurisdictions and in Zambia.

  10. 75 FR 66293 - Adoption of Federal Deposit Insurance Corporation Restoration Plan

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-27

    ... restoration plan in May 2009 to allow the FDIC up to eight years to return the DIF reserve ratio to 1.15... reserve ratio to 1.15 percent by the end of 2016.\\4\\ \\1\\ 73 FR 61598 (Oct. 16, 2008). \\2\\ 74 FR 9564 (Mar... designated reserve ratio of not less than 1.35 percent for any year.\\5\\ Dodd-Frank also requires the FDIC...

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

    ERIC Educational Resources Information Center

    Dicken, John E.

    2008-01-01

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

  12. 78 FR 32126 - VA Dental Insurance Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-29

    ... AFFAIRS 38 CFR Part 17 RIN 2900-AN99 VA Dental Insurance Program AGENCY: Department of Veterans Affairs... 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 dependents of veterans. Under...

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

    SciTech Connect

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

    2008-12-16

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

  14. Aviation and insurance

    NASA Technical Reports Server (NTRS)

    Mayo, R H

    1922-01-01

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

  15. 29 CFR 2590.732 - Special rules relating to group health plans.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) Liability insurance, including general liability insurance and automobile liability insurance; (iv) Coverage...) Automobile medical payment insurance; (vii) Credit-only insurance (for example, mortgage insurance); and... through insurance, reimbursement, or otherwise. (2) Determination of number of plans. (b)...

  16. 29 CFR 2590.732 - Special rules relating to group health plans.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) Liability insurance, including general liability insurance and automobile liability insurance; (iv) Coverage...) Automobile medical payment insurance; (vii) Credit-only insurance (for example, mortgage insurance); and... through insurance, reimbursement, or otherwise. (2) Determination of number of plans. (b)...

  17. About Insurance.

    ERIC Educational Resources Information Center

    Pieslak, Raymond F.

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

  18. Dental insurance! Are we ready?

    PubMed

    Toor, Ravi S S; Jindal, R

    2011-01-01

    Dental insurance is insurance designed to pay the costs associated with dental care. The Foreign Direct Investment (FDI) bill which was put forward in the winter session of the Lok Sabha (2008) focused on increasing the foreign investment share from the existing 26% to 49% in the insurance companies of India. This will allow the multibillion dollar international insurance companies to enter the Indian market and subsequently cover all aspects of insurance in India. Dental insurance will be an integral a part of this system. Dental insurance is a new concept in Southeast Asia as very few countries in Southeast Asia cover this aspect of insurance. It is important that the dentists in India should be acquainted with the different types of plans these companies are going to offer and about a new relationship which is going to emerge in the coming years between dentist, patient and the insurance company.

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

    PubMed

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

    2015-12-01

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

  20. 12 CFR 360.10 - Resolution plans required for insured depository institutions with $50 billion or more in total...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) Initial resolution plans required. Each CIDI shall submit a resolution plan to the FDIC, Attention: Office... plans; confidential treatment of resolution plans. (1) Each resolution plan of a CIDI shall be...

  1. Detailed project plan: Design, construction and operation of pilot scale Charfuel{reg_sign} process. Topical report, Task 2

    SciTech Connect

    Not Available

    1993-09-01

    In this project, a pilot-scale facility for the flash hydropyrolysis of coal will be designed, built and operated to demonstrate the integrated operation of critical components of the CHARFUEL process and to obtain scale-up data for subsequent demonstration facility for the production of a clean coal slurry fuel. This report presents project plans which includes detailed construction plan; procurement of materials and equipment; construction, test and start-up; potential problems and solutions during operations; data collection and analysis; and feasibility analysis.

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

    NASA Technical Reports Server (NTRS)

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

    1983-01-01

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

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

    SciTech Connect

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

    1983-05-01

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

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

    PubMed Central

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

    2016-01-01

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

  5. FY2017 Pilot Project Plan for the Nuclear Energy Knowledge and Validation Center Initiative

    SciTech Connect

    Ren, Weiju

    2016-10-30

    To prepare for technical development of computational code validation under the Nuclear Energy Knowledge and Validation Center (NEKVAC) initiative, several meetings were held by a group of experts of the Idaho National Laboratory (INL) and the Oak Ridge National Laboratory (ORNL) to develop requirements of, and formulate a structure for, a transient fuel database through leveraging existing resources. It was concluded in discussions of these meetings that a pilot project is needed to address the most fundamental issues that can generate immediate stimulus to near-future validation developments as well as long-lasting benefits to NEKVAC operation. The present project is proposed based on the consensus of these discussions. Analysis of common scenarios in code validation indicates that the incapability of acquiring satisfactory validation data is often a showstopper that must first be tackled before any confident validation developments can be carried out. Validation data are usually found scattered in different places most likely with interrelationships among the data not well documented, incomplete with information for some parameters missing, nonexistent, or unrealistic to experimentally generate. Furthermore, with very different technical backgrounds, the modeler, the experimentalist, and the knowledgebase developer that must be involved in validation data development often cannot communicate effectively without a data package template that is representative of the data structure for the information domain of interest to the desired code validation. This pilot project is proposed to use the legendary TREAT Experiments Database to provide core elements for creating an ideal validation data package. Data gaps and missing data interrelationships will be identified from these core elements. All the identified missing elements will then be filled in with experimental data if available from other existing sources or with dummy data if nonexistent. The resulting hybrid

  6. 45 CFR 152.28 - Preventing insurer dumping.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ...-EXISTING CONDITION INSURANCE PLAN PROGRAM Oversight § 152.28 Preventing insurer dumping. (a) General rule... that a health insurance issuer or group health plan has discouraged an individual from remaining... instances in which health insurance issuers or employer-based group health plans are discouraging...

  7. Social health insurance: can we ever make a case for Pakistan?

    PubMed

    Abrejo, Farina Gul; Shaikh, Babar Tasneem

    2008-05-01

    Social Health Insurance has been used as an approach to increase efficiency of healthcare system and consumer satisfaction in provision of healthcare services. Many developed countries have successfully planned and implemented insurance models which provide almost universal coverage and addresses issues of equity. The phenomenon is established however, developing countries especially Eastern Mediterranean region is still struggling to present one successful model of social health insurance which can be compared with European or Scandinavian countries. Pakistan likewise faces huge challenges in public sector healthcare provision and considerable proportion of population prefers to go to private sector. Quality of care, access and rising costs make healthcare, somehow, a luxury. Rising national economy, political will to carry out health sector reforms and the creation of district health system after devolution presents an opportunity to launch at least some pilot initiatives of social health insurance. This will give us some food for thought to further up scale and replicate the model all over the country.

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

    NASA Astrophysics Data System (ADS)

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

    2014-12-01

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

  9. 12 CFR 360.10 - Resolution plans required for insured depository institutions with $50 billion or more in total...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ..., Attention: Office of Complex Financial Institutions, 550 17th Street NW., Washington, DC 20429, on or before... Plans; Confidential Treatment of Resolution Plans. (1) Each resolution plan of a CIDI shall be...

  10. Health Insurance

    MedlinePlus

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

  11. Insurance crisis

    SciTech Connect

    Williams, P.L.

    1996-11-01

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

  12. Commercial insurance vs community-based health plans: time for a policy option with clinical emphasis to address the cost spiral.

    PubMed

    Amundson, Bruce

    2005-01-01

    The nation continues its ceaseless struggle with the spiraling cost of health care. Previous efforts (regulation, competition, voluntary action) have included almost every strategy except clinical. Insurers have largely failed in their cost-containment efforts. There is a strong emerging body of literature that demonstrates the relationship between various clinical strategies and reductions in utilization and costs. This article describes the organization of health services, including integration of delivery and financing systems, at the community level as a model that effectively addresses the critical structural flaws that have frustrated control of costs. Community-based health plans (CHPs) have been developed and have demonstrated viability. The key elements of CHPs are a legal organizational structure, a full provider network, advanced care-management systems, and the ability to assume financial risk. Common misconceptions regarding obstacles to CHP development are the complexity of the undertaking, difficulty assuming the insurance function, and insured pools that are too small to be viable. The characteristics of successful CHPs and 2 case studies are described, including the types of advanced care-management systems that have resulted in strong financial performance. The demonstrated ability of CHPs to establish financial viability with small numbers of enrollees challenges the common assumption that there is a fixed relationship between health plan enrollment size and financial performance. Organizing the health system at the community/regional level provides an attractive alternative model in the health-reform debate. There is an opportunity for clinical systems and state and federal leaders to support the development of community-based integrated delivery and financing system models that, among other advantages, have significant potential to modulate the pernicious cost spiral.

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

    PubMed Central

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

    2016-01-01

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

  14. How do health insurer market concentration and bargaining power with hospitals affect health insurance premiums?

    PubMed

    Trish, Erin E; Herring, Bradley J

    2015-07-01

    The US health insurance industry is highly concentrated, and health insurance premiums are high and rising rapidly. Policymakers have focused on the possible link between the two, leading to ACA provisions to increase insurer competition. However, while market power may enable insurers to include higher profit margins in their premiums, it may also result in stronger bargaining leverage with hospitals to negotiate lower payment rates to partially offset these higher premiums. We empirically examine the relationship between employer-sponsored fully-insured health insurance premiums and the level of concentration in local insurer and hospital markets using the nationally-representative 2006-2011 KFF/HRET Employer Health Benefits Survey. We exploit a unique feature of employer-sponsored insurance, in which self-insured employers purchase only administrative services from managed care organizations, to disentangle these different effects on insurer concentration by constructing one concentration measure representing fully-insured plans' transactions with employers and the other concentration measure representing insurers' bargaining with hospitals. As expected, we find that premiums are indeed higher for plans sold in markets with higher levels of concentration relevant to insurer transactions with employers, lower for plans in markets with higher levels of insurer concentration relevant to insurer bargaining with hospitals, and higher for plans in markets with higher levels of hospital market concentration.

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

    EPA Science Inventory

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

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

    SciTech Connect

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

    2015-05-01

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

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

    NASA Astrophysics Data System (ADS)

    Hung, Hung-Chih; Hung, Jia-Yi

    2016-04-01

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

  18. Your Insurance Dollar. Money Management.

    ERIC Educational Resources Information Center

    Baran, Nancy H., Ed.

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

  19. 78 FR 59985 - Variable Insurance Trust, et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-30

    ... insurance companies (``Participating Insurance Companies''); (ii) trustees of qualified group pension or group retirement plans (``Qualified Plans'') outside the Separate Account context; (iii) investment... Street, Suite 1700, Columbus, OH 43215. FOR FURTHER INFORMATION CONTACT: Mark Cowan, Senior Counsel,...

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

    PubMed

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

    2016-05-01

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

  1. 78 FR 63143 - VA Dental Insurance Program-Federalism

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-23

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

  2. 78 FR 62441 - VA Dental Insurance Program-Federalism

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-22

    ... AFFAIRS 38 CFR Part 17 RIN 2900-AO85 VA Dental Insurance Program--Federalism AGENCY: Department of... 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 certain survivors and...

  3. The ISO STEP Pilot Product Logistic Support Application Protocol Suite Development Plan

    DTIC Science & Technology

    1994-07-01

    and harmonized data models ( IDEFIX ) for each of the APs (see Fig. 8) included in the pilot PLS APs. b. Develop a data element dictionary for the data...1992). 60. CALS/LSAR IDEFIX Data Model 61. CALS/CE ISG SALSA Technical Committee working paper - "Covering an Opportunity to Further Integrate...develop data models for each of the proposed PLS APs using IDEFIX methodology. Each AP data model (key-only) shall be the result of the harmonization and

  4. 28 CFR 36.212 - Insurance.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 28 Judicial Administration 1 2013-07-01 2013-07-01 false Insurance. 36.212 Section 36.212 Judicial... COMMERCIAL FACILITIES General Requirements § 36.212 Insurance. (a) This part shall not be construed to... benefit plan that is not subject to State laws that regulate insurance. (b) Paragraphs (a) (1), (2),...

  5. 28 CFR 36.212 - Insurance.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 28 Judicial Administration 1 2014-07-01 2014-07-01 false Insurance. 36.212 Section 36.212 Judicial... COMMERCIAL FACILITIES General Requirements § 36.212 Insurance. (a) This part shall not be construed to... benefit plan that is not subject to State laws that regulate insurance. (b) Paragraphs (a) (1), (2),...

  6. 28 CFR 36.212 - Insurance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 28 Judicial Administration 1 2012-07-01 2012-07-01 false Insurance. 36.212 Section 36.212 Judicial... COMMERCIAL FACILITIES General Requirements § 36.212 Insurance. (a) This part shall not be construed to... benefit plan that is not subject to State laws that regulate insurance. (b) Paragraphs (a) (1), (2),...

  7. 28 CFR 36.212 - Insurance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

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

    SciTech Connect

    Jankura, B.J.

    1995-11-01

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

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

    SciTech Connect

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

    2015-03-01

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

  10. Use of a Team-Based Approach to Assistive Technology Assessment and Planning for Children with Multiple Disabilities: A Pilot Study

    ERIC Educational Resources Information Center

    Copley, Jodie; Ziviani, Jenny

    2007-01-01

    This pilot study trialed a team-based assistive technology assessment and planning process for children with multiple disabilities and their educational teams, in order to inform a wider study using explanatory case study methodology. Fourteen students and their educational teams participated in the process, which incorporated use of the Lifespace…

  11. Political risk insurance

    SciTech Connect

    Fritz, C. )

    1993-11-01

    As international project development continues to expand, the insurance risks faced require more careful planning and consideration. Successful risk management and insurance needs for non-US projects demand careful thought and planning. Understanding the options available and the various pitfalls to avoid can be beneficial to project development. The concept of a successful implementation of a non-recourse, asset-based financing for an independent power producer in the electricity generation-starved areas of the world creates many opportunities. Developers, investment bankers, attorneys and equipment suppliers are positioning their companies in this emerging market. In the last year, opportunities have expanded around the world. In response, much time, effort and money have been consumed in developing projects. Insurance, often overlooked until the later phases of project development, has caused problems for a number of projects -- some of them insurmountable. On a macro basis, the project's broker will need to answer certain questions. For example, are the risks the same as they would be for project development in the United States or United Kingdom Are the underwriting philosophies of insurance companies the same Can insurance be purchased on the same term and conditions as usual, leading to successful project financing conclusions Without any question, the risks are greater, underwriters' philosophies are different, the terms and conditions offered by local markets will be significantly different and the procurement of insurance is much different from in the United States. The developer who can deal with governmental and special interest considerations, which often force the profile of insurance programs to become much more complicated, cumbersome and costly, will have an advantage.

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

    SciTech Connect

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

    2009-05-01

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

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

    EPA Science Inventory

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

  14. 29 CFR 2550.401c-1 - Definition of “plan assets”-insurance company general accounts.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... interest rate implicit in an index of publicly traded obligations, the identity of the index, the manner in... plan's participants and beneficiaries; prohibits self-dealing and conflicts of interest; and...

  15. The Five-Year Strategic Plan for Pilots, Demonstration Research and Evaluations, July 2000-June 2005.

    ERIC Educational Resources Information Center

    Van Horn, Carl; Fichtner, Aaron; Altman, Jennifer; Whittaker, Julie

    This report contains the strategic vision for the Department of Labor (DOL)/Employment and Training Administration's research efforts for the next five years. Section I discusses the scope of the research plan and the development process. Section II is a review of literature concerning functioning of the labor market and identification of areas…

  16. Designing Insurance to Promote Use of Childhood Obesity Prevention Services

    PubMed Central

    Rask, Kimberly J.; Gazmararian, Julie A.; Kohler, Susan S.; Hawley, Jonathan N.; Bogard, Jenny; Brown, Victoria A.

    2013-01-01

    Childhood obesity is a recognized public health crisis. This paper reviews the lessons learned from a voluntary initiative to expand insurance coverage for childhood obesity prevention and treatment services in the United States. In-depth telephone interviews were conducted with key informants from 16 participating health plans and employers in 2010-11. Key informants reported difficulty ensuring that both providers and families were aware of the available services. Participating health plans and employers are beginning new tactics including removing enrollment requirements, piloting enhanced outreach to selected physician practices, and educating providers on effective care coordination and use of obesity-specific billing codes through professional organizations. The voluntary initiative successfully increased private health insurance coverage for obesity services, but the interviews described variability in implementation with both best practices and barriers identified. Increasing utilization of obesity-related health services in the long term will require both family- and provider-focused interventions in partnership with improved health insurance coverage. PMID:23691284

  17. Community-based health insurance knowledge, concern, preferences, and financial planning for health care among informal sector workers in a health district of Douala, Cameroon

    PubMed Central

    Noubiap, Jean Jacques N; Joko, Walburga Yvonne A; Obama, Joel Marie N; Bigna, Jean Joel R

    2013-01-01

    Introduction For the last two decades, promoted by many governments and international number in sub-Saharan Africa. In 2005 in Cameroon, there were only 60 Community-based health insurance (CBHI) schemes nationwide, covering less than 1% of the population. In 2006, the Cameroon government adopted a national strategy aimed at creating at least one CBHI scheme in each health district and covering at least 40% of the population with CBHI schemes by 2015. Unfortunately, there is almost no published data on the awareness and the implementation of CBHI schemes in Cameroon. Methods Structured interviews were conducted in January 2010 with 160 informal sectors workers in the Bonassama health district (BHD) of Douala, aiming at evaluating their knowledge, concern and preferences on CBHI schemes and their financial plan to cover health costs. Results The awareness on the existence of CHBI schemes was poor awareness schemes among these informal workers. Awareness of CBHI schemes was significantly associated with a high level of education (p = 0.0001). Only 4.4% of respondents had health insurance, and specifically 1.2% were involved in a CBHI scheme. However, 128 (86.2%) respondents thought that belonging to a CBHI scheme could facilitate their access to adequate health care, and were thus willing to be involved in CBHI schemes. Our respondents would have preferred CBHI schemes run by missionaries to CBHI schemes run by the government or people of the same ethnic group (p). Conclusion There is a very low participation in CBHI schemes among the informal sector workers of the BHD. This is mainly due to the lack of awareness and limited knowledge on the basic concepts of a CBHI by this target population. Solidarity based community associations to which the vast majority of this target population belong are prime areas for sensitization on CBHI schemes. Hence these associations could possibly federalize to create CBHI schemes. PMID:24498466

  18. 12 CFR 360.10 - Resolution plans required for insured depository institutions with $50 billion or more in total...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ..., American Samoa and the Virgin Islands. (c) Resolution Plans to be submitted by CIDI to FDIC. (1) General...) Interconnectedness to Parent Company's Organization; Potential Barriers or Material Obstacles to Orderly Resolution... of the CIDI. Identify potential barriers or other material obstacles to an orderly resolution of...

  19. A Fighter Pilot’s Intelligent Aide for Tactical Mission Planning.

    DTIC Science & Technology

    1985-12-01

    airfields and to project the effects of implementing the plan" ( Callero et al, 1984:v). This system can project the effects of implementing a...The rules were developed, based on information provided by experienced air targeteers ( Callero et al, 1981:3). They represent the domain ex- perts...resources and enemy target elements" ( Callero et al, 1984:4). The preparation of the Air Tasking Order (ATO) is the final phase. The transmission of

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

    NASA Technical Reports Server (NTRS)

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

    1991-01-01

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

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

    ERIC Educational Resources Information Center

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

    2005-01-01

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

  2. RISK CORRIDORS AND REINSURANCE IN HEALTH INSURANCE MARKETPLACES: Insurance for Insurers.

    PubMed

    Layton, Timothy J; McGuire, Thomas G; Sinaiko, Anna D

    2016-01-01

    Health Insurance Marketplaces established by the Affordable Care Act implement reinsurance and risk corridors. Reinsurance limits insurer costs associated with specific individuals, while risk corridors protect against aggregate losses. Both tighten the insurer's distribution of expected costs. This paper compares the economic costs and consequences of reinsurance and risk corridors. We simulate the insurer's cost distribution under reinsurance and risk corridors using data for a group of individuals likely to enroll in Marketplace plans from the Medical Expenditure Panel Survey. We compare reinsurance and risk corridors in terms of risk reduction and incentives for cost containment. We find that reinsurance and one-sided risk corridors achieve comparable levels of risk reduction for a given level of incentives. We also find that the policies being implemented in the Marketplaces (a mix of reinsurance and two-sided risk corridor policies) substantially limit insurer risk but perform similarly to a simpler stand-alone reinsurance policy.

  3. "Any Willing Provider" laws not preempted by Employee Retirement Income Security Act (ERISA). Kentucky Association of Health Plans, Inc. et. al. v. Miller, Commissioner, Kentucky Department of Insurance.

    PubMed

    2004-01-01

    "Any Willing Provider" laws are not preempted by ERISA because they are state laws regulating insurance if they are (1) specifically directed toward entities engaged in insurance and (2) substantially affect the risk-pooling arrangement between the insurer and the insured. Thus, a state may prohibit health maintenance organizations (HMOs) from creating exclusive "provider networks" of doctors, hospitals and other health care providers by excluding other providers who are "willing and able" to comply with all the HMO's contractual terms if the law meets the new two-prong test established by the Supreme Court in this case. The Court made a "clean break" from using the McCarran-Ferguson Act factors for determining whether certain practices constitute "the business of insurance," when deciding when they regulate insurance for purposes of ERISA preemption.

  4. Value-based Insurance Design.

    PubMed

    Sharan, Alok D; Schroeder, Gregory D; West, Michael E; Vaccaro, Alexander R

    2017-02-17

    The increasing awareness of the scarcity of health care resources is forcing the health care industry to improve quality while lowering the cost. One method by which employers and insurance companies are attempting to do this is with value-based insurance design. In these plans, patients pay a lower amount for certain services that are considered high value and a higher amount for services that are considered low value.

  5. Value-based Insurance Design.

    PubMed

    Sharan, Alok D; Schroeder, Gregory D; West, Michael E; Vaccaro, Alexander R

    2017-03-01

    The increasing awareness of the scarcity of health care resources is forcing the health care industry to improve quality while lowering the cost. One method by which employers and insurance companies are attempting to do this is with value-based insurance design. In these plans, patients pay a lower amount for certain services that are considered high value and a higher amount for services that are considered low value.

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

    SciTech Connect

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

    1999-09-22

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

  7. Planning a distribution automation pilot project at B.C. Hydro

    SciTech Connect

    Benedictson, E.; Dwyer, A.; Herejk, I.

    1994-12-31

    In 1989, a small team of engineers and managers from B.C. Hydro`s Customer Services Group made an exploratory partnership trip to a DA product supplier. While the partnership initiative failed, it served to raise corporate awareness of the need for a comprehensive DA approach. Shortly thereafter, the Window 2000 Project name were formulated. From the inception of the Window 2000 Project, it was clear that the team faced a major strategy challenge, due to recent corporate history. The corporation had just completed a major generation and transmission system expansion program, and enjoyed a considerable energy and capacity surplus, coupled with increased debt load. Concurrently, a select segment of the corporation was developing what was to become the internationally successful Power Smart energy conservation initiative. The team developed a communication plan based on several key principles. Presentations were made to various stakeholders including Customer Services and Corporate Management committees. Permission to proceed with the Window 2000 project was obtained in 1990. A multi-disciplined team of employees representing Customer Services, Power Smart, Production, System Planning, and Stations Engineering was assembled. Leadership was provided by a full-time project leader, and by a senior management steering committee. In addition, the project leader assembled an informal group of advisors for the purpose of defining alternative approaches, generating new information, and testing of ideas. The team members were encouraged to avoid concentrating on corporate or personal turf issues, and the team environment was maintained free of {open_quotes}politics{close_quotes}. This fostered cooperation and objectivity in idea generation and evaluation. The team was given an open mandate to define and to recommend DA functions for implementation.

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

    SciTech Connect

    Howarth, S.M.

    1993-07-01

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

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

    PubMed Central

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

    2016-01-01

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

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

    PubMed Central

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

    2016-01-01

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

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

    NASA Technical Reports Server (NTRS)

    Doneva, Silviya

    2011-01-01

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

  12. [Insurance and preventive medicine].

    PubMed

    Delachaux, A; Stark, E W; von Schroeder, F

    1978-12-01

    Not only do insurance companies have to pay in case of death, injuries or disease, they are also concerned with their prevention. This is particularly true for the "Swiss National Accident Insurance Fund" (Caisse nationale suisse d'assurance en cas d'accidents--(CNA): for them the prevention of work related accidents and occupational diseases is required by law. Preventive activities in this area are very promising. The progress in the sickness insurance programmes for preventive medicine in the general population has, however, not been as successful. To date, the legislation denies payment for preventive medical care. Why is there this difference? In the case of accidents and occupational diseases, the cause of the pathologies are for the most part exogenous and develop in well known and controlled environments. In the case of disease or invalidity in the general population, the factors are in a large part endogenous and therefore very difficult to supervise, as they develop in much more complex and uncontrolled environments. Nevertheless progress has been done in this field as well. At present, some selected scientifically proven preventive examinations could be included in insurance programmes as part of a general plan and with strict quality control of laboratory findings.

  13. [State of emergency plans for massive influx of injured (PEMAF) in Italian hospitals. Pilot study].

    PubMed

    D'Alessandro, D; Fizzano, M R; Barletta, C; Pietrantonio, F

    2012-01-01

    Aim of this study is to assess the level of implementation of plans for the massive influx of injured (PEMAF) in Italian hospitals. An anonymous questionnaire was administered to a sample of 100 hospitals selected through the network of the Italian Society of Emergency Medicine (SIMEU). Each answer of the questionnaire was assigned a score, then reported on a scale of compliance (maximum 65 points, threshold 35 points). The average scores were analyzed by hospital's venue, level of activity and previous experience of managing a real emergency. Student's t-test was used to compare means. Thirty-two hospitals sent the questionnaire, representing 33% of those selected. Five were excluded for incomplete data. The data analyzed refers to 27 hospitals of various levels of complexity, from all around the country: 55.6% from the Northern Section, 22.2% from the Centre and 22.2% from the Southern section and the Islands; and only 55.6% are above the minimum threshold of compliance. The weakest PEMAF's area is the one related to the specific training of health workers, therefore the percentage of hospitals complying the requirements in this field is down to 37%. Ten hospitals (37%) had managed a real maxi-emergence in the past: belonging to such group of hospitals is associated with an average level of compliance significantly higher than the others (p < 0.005). Due to a limited percentage of responders, the study involved so far a too small amount of hospitals; happily, they were evenly distributed in the different sections of the Country; therefore it will be appropriate to obtain a larger compliance before reaching clear-cut conclusions, but it already appears that the most critical point is the lack of specific education to maxi-emergencies in the hospital personnel.

  14. 29 CFR 2580.412-18 - Naming of insureds.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... of the plan or plans as insured will provide for such recovery. Where it is not clear that such... benefit and use of the plan suffering a loss. Such rider or agreement shall always be required as...

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

    NASA Astrophysics Data System (ADS)

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

    1991-09-01

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

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

    SciTech Connect

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

    1991-09-01

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

  17. The Consumer Looks at His Automobile Insurance.

    ERIC Educational Resources Information Center

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

    This publication on the hows and whys of automobile insurance is designed as a module for one of a series of consumer education courses in New York high schools. The course is planned to help students understand how the insurance system works, the costs involved, proposed legislation, and changes in automobile design. After completing the course…

  18. HEALTH INSURANCE COVERAGE FOR WORKERS ON LAYOFF.

    ERIC Educational Resources Information Center

    KOLODRUBETZ, WALTER W.

    ESTIMATES OF GROUP HEALTH INSURANCE COVERAGE BY INDUSTRY INDICATE THAT EXTENDED PROTECTION DURING LAYOFF IS GUARANTEED TO NO MORE THAN A TENTH OF THE APPROXIMATELY 50 MILLION WORKERS COVERED BY GROUP HEALTH INSURANCE PLANS. THIS COVERAGE HAS LARGELY DEVELOPED DURING THE PAST 15 YEARS. FRAGMENTARY DATA SUGGEST THAT INCREASED COST ATTRIBUTABLE TO…

  19. Recent developments in health insurance, life insurance, and disability insurance case law.

    PubMed

    Hasman, Joseph J; Chittenden, William A; Doolin, Elizabeth G; Wall, Julie F

    2008-01-01

    This survey reviews significant state and federal court decisions from 2006 and 2007 involving health, life, and disability insurance. Also reviewed is a June 2008 Supreme Court decision in the disability insurance realm, affirming that a conflict of interest exists when an ERISA plan sponsor or insurer fulfills the dual role of determining plan benefits and paying those benefits but noting that the conflict is merely one factor in considering the legality of benefit denials. In addition, this years' survey includes compelling decisions in the life and health arena, including cases addressing statutory penalties and mandated benefits, as well as some ERISA decisions of note. This year, the Texas Supreme Court held that Texas's most recent version of the prompt payment statute abolished the common law interpleader exception and allowed the prevailing adverse claimant in an interpleader action filed beyond the sixty-day statutory period to recover statutory interest and attorney fees from the insurer. Meanwhile, the Court of Appeals of New York upheld the constitutionality of a statute mandating coverage for contraceptives in those employer-sponsored health plans that offer prescription drug coverage, including those plans sponsored by faith-based social service organizations. In the ERISA context, litigants continue to fight over the standard of review with varying results. In a unique assault on the arbitrary and capricious standard of review, the Fourth Circuit found that an ERISA plan abused its discretion when it failed to apply the doctrine of contra proferentem to construe ambiguous plan terms against itself. In more hopeful news for plan insurers, the Tenth Circuit held that claimants are not entitled to review and rebut medical opinions generated during the administrative appeal of a claim denial before a final decision is reached unless such reports contain new factual information.

  20. Assessing Early Implementation of State Autism Insurance Mandates

    ERIC Educational Resources Information Center

    Baller, Julia Berlin; Barry, Colleen L.; Shea, Kathleen; Walker, Megan M.; Ouellette, Rachel; Mandell, David S.

    2016-01-01

    In the United States, health insurance coverage for autism spectrum disorder treatments has been historically limited. In response, as of 2015, 40 states and Washington, DC, have passed state autism insurance mandates requiring many health plans in the private insurance market to cover autism diagnostic and treatment services. This study examined…

  1. 45 CFR 152.28 - Preventing insurer dumping.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 45 Public Welfare 1 2012-10-01 2012-10-01 false Preventing insurer dumping. 152.28 Section 152.28...-EXISTING CONDITION INSURANCE PLAN PROGRAM Oversight § 152.28 Preventing insurer dumping. (a) General rule... constituting exclusive remedies for violations of this section or as preventing States from applying...

  2. 78 FR 19263 - Lender Placed Insurance, Terms and Conditions

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-29

    ... AGENCY Lender Placed Insurance, Terms and Conditions AGENCY: Federal Housing Finance Agency. ACTION... lender placed insurance that the Federal Housing Finance Agency (FHFA) considers contrary to prudent.... While FHFA plans a broader review of issues relating to the market for lender placed insurance,...

  3. Self-Insurance (Waukegan Style).

    ERIC Educational Resources Information Center

    Falkinham, Ken

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

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

    PubMed

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

    2002-11-01

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

  5. ENVIRONMENTAL ASSESSMENT FOR OTEC PILOT PLANTS

    SciTech Connect

    Wilde, P.

    1980-06-01

    Logical and orderly progression of the OTEC program from conceptual designs through component testing to the goal of commercially viable OTEC plants require that the socio-legal requirements be met and the proper operating permits be obtained and maintained. This function is accomplished in a series of activities including: (1) Development and annual revision of a published OTEC Environmental Development Plan (EDP); (2) Compliance with NEPA/EPA and other regulatory requirements; and (3) Studies and research in support of the above. The Environmental Development Plan (EDP) lists the concerns, outlines the program to consider the effects and validity of such concerns on the OTEC program, and gives the time-table to meet the schedule, integrated with that of the engineering and design programs. The schedules of compliance activities and, to a lesser degree, research also are governed by the development progress of the technology. However, because of the lead time necessary to insure proper review the appropriate regulatory agencies, the environmental assessment program for the OTEC pilot plants (initially starting with the 10/40 MWe unit) is founded on the strategy of progressive improvement of previously accepted documentation. Based on experience with OTEC-1, the procedure for pilot plants will be: (1) Produce generic Environmental Assessment (EA) at the appropriate level of technology in advance of hardware contract; (2) Produce generic Environmental Impact Statement (EIS) at approximately the same time as the hardware procurement; (3) Monitor production of site specific supplement to the generic EIS prepared by the hardware contractor; (4) Assist pilot plant operator in applying and obtaining permits by providing current research and modeling data; (5) Monitor environmental program as required by regulatory agency; and (6) Use new site data for refining models for future pilot plant. assessments.

  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.

  7. 33 CFR 385.12 - Pilot projects.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  8. 33 CFR 385.12 - Pilot projects.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  9. Dropped out or pushed out? Insurance market exit and provider market power in Medicare Advantage.

    PubMed

    Pelech, Daria

    2017-01-01

    This paper explores how provider and insurer market power affect which markets an insurer chooses to operate in. A 2011 policy change required that certain private insurance plans in Medicare form provider networks de novo; in response, insurers cancelled two-thirds of the affected plans. Using detailed data on pre-policy provider and insurer market structure, I compare markets where insurers built networks to those they exited. Overall, insurers in the most concentrated hospital and physician markets were 9 and 13 percentage points more likely to exit, respectively, than those in the least concentrated markets. Conversely, insurers with more market power were less likely to exit than those with less, and an insurer's market power had the largest effect on exit in concentrated hospital markets. These findings suggest that concentrated provider markets contribute to insurer exit and that insurers with less market power have more difficulty surviving in concentrated provider markets.

  10. Insuring RLV transportation services

    NASA Astrophysics Data System (ADS)

    Greenberg, Joel S.

    1998-01-01

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

  11. Approval of information collection requirements for the joint interim rules for health insurance portability for group health plans, and the individual market health insurance reform: portability from group to individual coverage; federal rules for access in the individual market; state alternative mechanisms to federal rules--IRS, DOL, HCFA. Interim rules with request for comments; approval of information collection requirements.

    PubMed

    1997-07-02

    On April 8, 1997, the Department of the Treasury, the Department of Labor, and the Department of Health and Human Services (Departments) published joint interim rules governing the access, portability and renewability requirements for group health plans and issuers offering group health insurance coverage in connection with a group health plan. The rules implemented changes made to certain provisions of the Internal Revenue Code of 1986 (Code), the Employee Retirement Income Security Act of 1974 (ERISA), and the Public Health Service Act (PHS Act) enacted as part of the Health Insurance Portability and Accountability Act of 1996 (HIPAA). In the April 8 publication, the Departments submitted the group market information collection requirements, for, among other things, establishing creditable coverage, notice of special enrollment rights, and notice of pre-existing condition exclusion periods, to be Office of Management and Budget (OMB) for emergency review under the Paperwork Reduction Act of 1995 (PRA 95). In addition, on April 8, 1997 the Department of Health and Human Services submitted the HIPAA individual market information collection requirements to OMB for emergency review under the PRA 1995. This document amends the April 8 Federal Register documents to properly display the OMB control numbers.

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

    ERIC Educational Resources Information Center

    Amundson, Bruce

    2005-01-01

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

  13. 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

    ... with or who are eligible for Medicare, Medicaid and the Children's Health Insurance Program (CHIP... Insurance Assistance Programs (SHIPs), health insurance plans, aging, Web health education, e-prescribing... insurance exchanges, and minority health education. We are requesting that all curricula vitae include...

  14. Disaster: Planning, Preparation, Prevention.

    ERIC Educational Resources Information Center

    Rutherford, Christine

    1990-01-01

    Discusses causes of library disasters and provides several examples of disasters. Emphasis is on the importance of awareness, insurance protection, a written disaster plan, cooperation with the fire marshall and insurance agent in planning, and staff training. Several elements of the written plan are listed. (22 references) (MES)

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

    PubMed

    2013-07-15

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

  16. Military Disability System: Increased Supports for Servicemembers and Better Pilot Planning Could Improve the Disability Evaluation Process

    DTIC Science & Technology

    2008-09-01

    i p t H q l To view the full product , including the scope and methodology, click on GAO-08-1137. For more information, contact Daniel Bertoni at...additional support mechanisms and treamlining efforts, but faces challenges in meeting internal goals and emonstrating impact. Most significantly, the...larger scale. DOD and VA have established a omprehensive mechanism for measuring key aspects of the pilot. However, hey have not yet decided on

  17. Medicaid: Legislation Needed to Improve Collections From Private Insurers

    DTIC Science & Technology

    1990-11-01

    over insurers that operate only incidentally in the state. 2. States’ limited authority over ERISA plans2 does not allow them to pro- hibit these plans...certain minimal requirements. The Department of Labor is responsible for administering ERISA . In this report, we refer to welfare benefit plans, which...include health benefits, that are covered under ERISA . as " ERISA plans." Page 1 . I1W󈨟 -Z Medicaid Collections From Private Insurers B-238267 they do

  18. How to choose a health plan

    MedlinePlus

    ... please enable JavaScript. When it comes to getting health insurance, you may have more than one option. Many ... one plan. If you are buying from the Health Insurance Marketplace, you may have several plans to choose ...

  19. 78 FR 54996 - Information Reporting by Applicable Large Employers on Health Insurance Coverage Offered Under...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-09

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

  20. 29 CFR 2580.412-16 - Amount of bond required in given types of bonds or where more than one plan is insured in the...

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR TEMPORARY... all the plans covered under the bond. For example, X is the administrator of two welfare plans run...

  1. 20 CFR 323.5 - Submitting proposed plan for Board approval.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  2. 20 CFR 323.5 - Submitting proposed plan for Board approval.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  3. 20 CFR 323.5 - Submitting proposed plan for Board approval.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  4. 20 CFR 323.5 - Submitting proposed plan for Board approval.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  5. 20 CFR 323.5 - Submitting proposed plan for Board approval.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

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

    PubMed

    McCue, Michael J; Hall, Mark A

    2016-06-01

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

  7. Health insurance premium tax credit. Final regulations.

    PubMed

    2013-02-01

    This document contains final regulations relating to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010.These final regulations provide guidance to individuals related to employees who may enroll in eligible employer-sponsored coverage and who wish to enroll in qualified health plans through Affordable Insurance Exchanges (Exchanges) and claim the premium tax credit.

  8. 7 CFR 718.11 - Disqualification due to Federal crop insurance violation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Crop Insurance Corporation (FCIC) or to an approved insurance provider with respect to a policy or plan... of up to 5 years from receiving any monetary or non-monetary benefit under a number of programs....

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

    PubMed

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

    2012-08-01

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

  10. Wastewater planning in Djenné, Mali. A pilot project for the local infiltration of domestic wastewater.

    PubMed

    Alderlieste, M C; Langeveld, J G

    2005-01-01

    The city of Djenné (Mali) is famous for its mosque which is the world's largest adobe building. Djenné is considered to be one of the most interesting cities in Western Africa from an architectural point of view. Since 1988, Djenné is listed as a UNESCO World Heritage Site. In the 1990s, a drinking water supply network was provided by foreign development organisations. However, no facilities were provided for the disposal of wastewater, resulting in an increase of waterborne diseases. This paper describes the urban drainage problem in Djenné and discusses the systematic evaluation of possible solutions and the subsequent pilot project for the local infiltration of sullage. The infiltration of sullage proved to be an appropriate technology for solving the urban drainage problem in Djenné.

  11. Interim rules for group health plans and health insurance issuers under the Newborns' and Mothers' Health Protection Act--IRS; DoL; HCFA. Interim rules with request for comments.

    PubMed

    1998-10-27

    This document contains interim rules governing the Newborns' and Mothers' Health Protection Act of 1996 (NMHPA). The interim rules provide guidance to employers, group health plans, health insurance issuers, and participants and beneficiaries relating to new requirements for hospital lengths of stay in connection with childbirth. The rules contained in this document implement changes to the Employee Retirement Income Security Act of 1974 (ERISA) and the Public Health Service Act (PHS Act) made by NMHPA, and changes to the Internal Revenue Code of 1986 (Code) enacted as part of the Taxpayer Relief Act of 1997 (TRA '97). Interested persons are invited to submit comments on the interim rules for consideration by the Department of the Treasury, the Department of Labor, and the Department of Health and Human Services (Departments) in developing final rules.

  12. Finance, providers issue brief: insurer liability.

    PubMed

    Rothouse, M

    1999-07-01

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

  13. Finance, providers issue brief: insurer liability.

    PubMed

    Rothouse, M; Stauffer, M

    2000-05-24

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

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

    NASA Astrophysics Data System (ADS)

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

    2012-12-01

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

  15. 29 CFR 2510.3-3 - Employee benefit plan.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ..., insurance service or insurance organization licensed to do business in a State, and are legally enforceable by the sole choice of the individual against the insurance company, insurance service or insurance... the date on which the individual has satisfied the plan's age and service requirements...

  16. 29 CFR 2510.3-3 - Employee benefit plan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ..., insurance service or insurance organization licensed to do business in a State, and are legally enforceable by the sole choice of the individual against the insurance company, insurance service or insurance... the date on which the individual has satisfied the plan's age and service requirements...

  17. Insurers lose court battle

    SciTech Connect

    Lucas, A.

    1994-09-28

    Recent court disputes concerning insurance coverage of Superfund costs have resulted in the retrial of a proinsurer ruling on environmental cleanup costs for potentially responsible parties. The court rejected the insurance industry`s pollution exclusion clause by Aetna and two nonchemical companies. Supposedly this is good news for the chemical industry, because there will be more access to insurance money in Superfund cleanups.

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

    PubMed

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

    2016-01-01

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

  19. 75 FR 81544 - Request for Information Regarding Value-Based Insurance Design in Connection With Preventive Care...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-28

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

  20. 24 CFR 1000.139 - What are the standards for insurance entities owned and controlled by recipients?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... ACTIVITIES Affordable Housing Activities § 1000.139 What are the standards for insurance entities owned and... entity, tribal self-insurance plan, tribal risk retention group, or Indian housing self-insurance risk...-insurance; (B) The management staff must have at least one senior manager who has a minimum of five years...

  1. 24 CFR 1000.139 - What are the standards for insurance entities owned and controlled by recipients?

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... ACTIVITIES Affordable Housing Activities § 1000.139 What are the standards for insurance entities owned and... entity, tribal self-insurance plan, tribal risk retention group, or Indian housing self-insurance risk...-insurance; (B) The management staff must have at least one senior manager who has a minimum of five years...

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

    PubMed

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

    2001-01-01

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

  3. Long-Term Quality Control Program Plan for Cord Blood Banks in Korea: A Pilot Study for Cryopreservation Stability

    PubMed Central

    Seo, Soo Hyun; Shin, Sue; Roh, Eun Youn; Song, Eun Young; Oh, Sohee; Kim, Byoung Jae

    2017-01-01

    Background Maintaining the quality of cryopreserved cord blood is crucial. In this pilot study, we describe the results of the internal quality control program for a cord blood bank thus far. Methods Donated cord blood units unsuitable for transplantation were selected for internal quality control once a month. One unit of cord blood, aliquoted into 21 capillaries, was cryopreserved and thawed annually to analyze the total nucleated cell count, CD34+ cell count, cell viability test, and colony-forming units assay. Results No significant differences in the variables (total nucleated cell count, cell viability, CD34+ cell count) were observed between samples cryopreserved for one and two years. Upon comparing the variables before cryopreservation and post thawing with the capillaries of one year of storage, cell viability and CD34+ cell counts decreased significantly. The use of cord blood samples in capillaries, which can be easily stored for a long period, was similar to the methods used for testing segments attached to the cord blood unit. Conclusions The results of this study may be useful for determining the period during which the quality of cryopreserved cord blood units used for transplantation is maintained. PMID:28028998

  4. 29 CFR 2580.412-16 - Amount of bond required in given types of bonds or where more than one plan is insured in the...

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... instant case, Plan B would be able to recover the full $40,000 of its loss. Where the funds or other... required to be protected. Thus, in the instant case, if funds or other property were commingled, and...

  5. 29 CFR 2580.412-16 - Amount of bond required in given types of bonds or where more than one plan is insured in the...

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... instant case, Plan B would be able to recover the full $40,000 of its loss. Where the funds or other... required to be protected. Thus, in the instant case, if funds or other property were commingled, and...

  6. 33 CFR 385.12 - Pilot projects.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... Processes § 385.12 Pilot projects. (a) The Plan includes pilot projects to address uncertainties associated with certain components such as aquifer storage and recovery, in-ground reservoir technology, seepage management, and wastewater reuse. The purpose of the pilot projects is to develop information necessary...

  7. 33 CFR 385.12 - Pilot projects.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Processes § 385.12 Pilot projects. (a) The Plan includes pilot projects to address uncertainties associated with certain components such as aquifer storage and recovery, in-ground reservoir technology, seepage management, and wastewater reuse. The purpose of the pilot projects is to develop information necessary...

  8. 33 CFR 385.12 - Pilot projects.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Processes § 385.12 Pilot projects. (a) The Plan includes pilot projects to address uncertainties associated with certain components such as aquifer storage and recovery, in-ground reservoir technology, seepage management, and wastewater reuse. The purpose of the pilot projects is to develop information necessary...

  9. Health plans--enforcement of right to reimbursement not available under ERISA section 502(a)(3). Great-West Life & Annuity Insurance Company v. Knudson.

    PubMed

    2003-01-01

    The United States Supreme Court reaffirmed its reluctance "to tamper with [the] enforcement scheme" embodied in ERISA by authorizing remedies not specifically authorized by ERISA's text, and held that section 502(c)(3) does not authorize a plan to bring an action to enforce the plan's reimbursement provisions because recovering monetary damages for reimbursement is not relief typically available in equity and, therefore, is not "other equitable relief" within the meaning of section 502(a)(3). An action to impose personal liability on the Knudsons for a contractual obligation to pay money is an action seeking legal, not equitable, relief and is not authorized by section 502(a)(3).

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

    PubMed

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

    2004-05-12

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

  11. An Insurance Planner. Teaching Low-Income Consumers about Insurance.

    ERIC Educational Resources Information Center

    Shurtz, Mary Ann; LeFlore, Ann Becker

    This module, one of six on teaching consumer matters to low-income groups, focuses on buying insurance. Topics include life insurance (language, types, settlement options), auto insurance, health insurance (standard, health maintenance organizations, medicaid, medicare), tenant's insurance (property damage, liability), what to do in case of loss,…

  12. Insurance and indemnification implications of future space projects

    NASA Technical Reports Server (NTRS)

    O'Brien, John E.

    1987-01-01

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

  13. Insurance: An Evaluation Report for the Occupational Exploration Program.

    ERIC Educational Resources Information Center

    Altschuld, James W.; And Others

    The evaluation report is one of seven produced for the Occupational Exploration Program (OEP), a series of simulated occupational experiences designed for junior high school students. Describing the pilot testing of the simulation dealing with the insurance field, the report contains sections describing the simulation context, evaluation…

  14. 36 CFR 1211.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Activities Prohibited § 1211.440 Health and insurance benefits and services. Subject to § 1211.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its... 36 Parks, Forests, and Public Property 3 2011-07-01 2011-07-01 false Health and insurance...

  15. 7 CFR 15a.39 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 1 2011-01-01 2011-01-01 false Health and insurance benefits and services. 15a.39... Programs and Activities Prohibited § 15a.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students,...

  16. 45 CFR 618.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 3 2010-10-01 2010-10-01 false Health and insurance benefits and services. 618....440 Health and insurance benefits and services. Subject to § 618.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a...

  17. 32 CFR 196.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 2 2011-07-01 2011-07-01 false Health and insurance benefits and services. 196... Activities Prohibited § 196.440 Health and insurance benefits and services. Subject to § 196.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of...

  18. 45 CFR 2555.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 4 2011-10-01 2011-10-01 false Health and insurance benefits and services. 2555... Activities Prohibited § 2555.440 Health and insurance benefits and services. Subject to § 2555.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of...

  19. 34 CFR 106.39 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Health and insurance benefits and services. 106.39... Prohibited § 106.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall...

  20. 13 CFR 113.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ....440 Health and insurance benefits and services. Subject to § 113.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Health and insurance benefits...

  1. 7 CFR 15a.39 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 1 2010-01-01 2010-01-01 false Health and insurance benefits and services. 15a.39... Programs and Activities Prohibited § 15a.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students,...

  2. 34 CFR 106.39 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 1 2011-07-01 2011-07-01 false Health and insurance benefits and services. 106.39... Prohibited § 106.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall...

  3. 32 CFR 196.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 2 2010-07-01 2010-07-01 false Health and insurance benefits and services. 196... Activities Prohibited § 196.440 Health and insurance benefits and services. Subject to § 196.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of...

  4. 45 CFR 2555.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Health and insurance benefits and services. 2555... Activities Prohibited § 2555.440 Health and insurance benefits and services. Subject to § 2555.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of...

  5. 45 CFR 618.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 3 2011-10-01 2011-10-01 false Health and insurance benefits and services. 618....440 Health and insurance benefits and services. Subject to § 618.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a...

  6. 36 CFR 1211.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Activities Prohibited § 1211.440 Health and insurance benefits and services. Subject to § 1211.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Health and insurance...

  7. 24 CFR 3.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Activities Prohibited § 3.440 Health and insurance benefits and services. Subject to § 3.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its... 24 Housing and Urban Development 1 2011-04-01 2011-04-01 false Health and insurance benefits...

  8. 24 CFR 3.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Activities Prohibited § 3.440 Health and insurance benefits and services. Subject to § 3.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Health and insurance benefits...

  9. 13 CFR 113.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ....440 Health and insurance benefits and services. Subject to § 113.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Health and insurance benefits...

  10. 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...

  11. Including health insurance in poverty measurement: The impact of Massachusetts health reform on poverty.

    PubMed

    Korenman, Sanders D; Remler, Dahlia K

    2016-12-01

    We develop and implement what we believe is the first conceptually valid health-inclusive poverty measure (HIPM) - a measure that includes health care or insurance in the poverty needs threshold and health insurance benefits in family resources - and we discuss its limitations. Building on the Census Bureau's Supplemental Poverty Measure, we construct a pilot HIPM for the under-65 population under ACA-like health reform in Massachusetts. This pilot demonstrates the practicality, face validity and value of a HIPM. Results suggest that public health insurance benefits and premium subsidies accounted for a substantial, one-third reduction in the health inclusive poverty rate.

  12. Nonlife Insurance Pricing:

    NASA Astrophysics Data System (ADS)

    Darooneh, Amir H.

    We consider the insurance company as a physical system which is immersed in its environment (the financial market). The insurer company interacts with the market by exchanging the money through the payments for loss claims and receiving the premium. Here, in the equilibrium state, we obtain the premium by using the canonical ensemble theory, and compare it with the Esscher principle, the well-known formula in actuary for premium calculation. We simulate the case of car insurance for quantitative comparison.

  13. Student Health Insurance: Problems and Solutions

    ERIC Educational Resources Information Center

    Wagner, Robin

    2006-01-01

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

  14. Genetic information and insurance: some ethical issues.

    PubMed Central

    O'Neill, O

    1997-01-01

    Life is risky, and insurance provides one of the best developed ways of controlling risks. By pooling, and so transferring risks, those who turn out to suffer antecedently uncertain harms can be assured in advance that they will be helped if those harms arise; they can then plan their lives and activities with confidence that they are less at the mercy of ill fortune. Both publicly organized and commercial insurance can organize the pooling of risk in ways that are beneficial for all concerned. They provide standard ways of securing fundamental ethical values such as solidarity and mutuality. Although policy holders do not know or contract with one another, each benefits from the contribution of others to a shared scheme for pooling and so controlling risk. Although there is a limit to the degree to which commercially-based insurance, where premiums depend on risk level, can go beyond mutuality towards solidarity, in practice it too often achieves a measure of solidarity by taking a broad brush approach to pooling risk. However, the ordinary practices of insurance, and in particular of commercial insurance, also raise ethical questions. These may be put in simple terms by contrasting the way in which an insurance market discriminates between different people, on the basis of characteristics that (supposedly) determine their risk level, and our frequent abhorrence of discrimination, in particular on the basis on religious, racial and gender characteristics. Are the discriminations on which insurance practice relies upon as standard acceptable or not? The increasing availability of genetic information, which testing (of individuals) and screening (of populations) may provide, could lend urgency to these questions. Genetic information may provide a way of obtaining more accurate assessment of individual risks to health and life. This information could be used to discriminate more finely between the risk levels of different individuals, and then to alter the

  15. Small firm self-insurance under the Affordable Care Act.

    PubMed

    Buettgens, Matthew; Blumberg, Linda J

    2012-11-01

    The Affordable Care Act changes the small-group insurance market substan­tially beginning in 2014, but most changes do not apply to self-insured plans. This exemp­tion provides an opening for small employers with healthier workers to avoid broader sharing of health care risk, isolating higher-cost groups in the fully insured market. Private stop-loss or reinsurance plans can mediate the risk of self-insurance for small employ­ers, facilitating the decision to self-insure. We simulate small-employer coverage decisions under the law and find that low-risk stop-loss policies lead to higher premiums in the fully insured small-group market. Average single premiums would be up to 25 percent higher, if stop-loss insurance with no additional risk to employers than fully insuring is allowed--an option available in most states absent further government action. Regulation of stop-loss at the federal or state level can, however, prevent such adverse selection and increase stabil­ity in small-group insurance coverage.

  16. Insuring against environmental risks

    SciTech Connect

    Anspach, K.G.

    1993-06-01

    As the chemical process industries now know all too well, environmental damages represent a significant risk to the firms and individuals in it. Whether the cause of the damage is a sudden spill or the gradual contamination of a site through underground leakage, major financial losses are a constant threat. U.S. insurance companies are also aware of these risks. During the late 1970s and early 1980s, many limited environmental coverage in the policies that they sold; later, such coverage was dropped entirely. Recently, many new types of coverage have become available, but often at high expense. To get adequate insurance coverage at a reasonable price, CPI firms can pursue several options: general liability insurance, self-insurance, specialized environmental insurance--or no insurance at all. Each of these options raise certain risks and costs. At the same time, individual engineers or consulting engineering groups that service the CPI have their own set of insurance options. Most independent engineering consultants carry some type of liability insurance; now, as the potential consequences of their work on the environment become clearer, some have invested in various types of professional insurance.

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

    ERIC Educational Resources Information Center

    Rosenbloom, Jerry

    1988-01-01

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

  18. 42 CFR 457.50 - State plan.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 4 2014-10-01 2014-10-01 false State plan. 457.50 Section 457.50 Public Health... CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and Outreach Strategies § 457.50 State plan. The State plan is...

  19. 42 CFR 457.50 - State plan.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 4 2013-10-01 2013-10-01 false State plan. 457.50 Section 457.50 Public Health... CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and Outreach Strategies § 457.50 State plan. The State plan is...

  20. 42 CFR 457.50 - State plan.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 4 2010-10-01 2010-10-01 false State plan. 457.50 Section 457.50 Public Health... CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and Outreach Strategies § 457.50 State plan. The State plan is...

  1. 42 CFR 457.50 - State plan.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 4 2011-10-01 2011-10-01 false State plan. 457.50 Section 457.50 Public Health... CHILDREN'S HEALTH INSURANCE PROGRAMS (SCHIPs) ALLOTMENTS AND GRANTS TO STATES Introduction; State Plans for Child Health Insurance Programs and Outreach Strategies § 457.50 State plan. The State plan is...

  2. Universal health insurance: lessons of the 1970s, prospects for the 1990s.

    PubMed

    Etheredge, L

    1990-01-01

    In the 1970s, proposals for universal health insurance were not successful. Health care providers, insurers, and others negotiating in the political process foresaw a better future without such legislation. Today, the growth of health insurance coverage has unmistakably reversed. Moral discomfort and self-interest shape the new politics of universal health insurance for the 1990s. Hospitals, physicians, insurers, employers, and tens of millions of individuals would benefit from a universal health insurance plan that was mindful of their concerns and interests. Proposals that require employers to provide insurance for full-time employees and expand public programs to cover to cover other uninsured persons now have the greatest chances for enactment. As leaders, health services and health insurance executives should be in the vanguard of efforts to enact universal health insurance.

  3. Comparing Types of Health Insurance for Children

    PubMed Central

    DeVoe, Jennifer E.; Tillotson, Carrie J.; Wallace, Lorraine S.; Selph, Shelley; Graham, Alan; Angier, Heather

    2015-01-01

    Background Many states have expanded public health insurance programs for children, and further expansions were proposed in recent national reform initiatives; yet the expansion of public insurance plans and the inclusion of a public option in state insurance exchange programs sparked controversies and raised new questions with regard to the quality and adequacy of various insurance types. Objectives We aimed to examine the comparative effectiveness of public versus private coverage on parental-reported children’s access to health care in low-income and middle-income families. Methods/Participants/Measures We conducted secondary data analyses of the nationally representative Medical Expenditure Panel Survey, pooling years 2002 to 2006. We assessed univariate and multivariate associations between child’s full-year insurance type and parental-reported unmet health care and preventive counseling needs among children in low-income (n =28,338) and middle-income families (n = 13,160). Results Among children in families earning <200% of the federal poverty level, those with public insurance were significantly less likely to have no usual source of care compared with privately insured children (adjusted relative risk, 0.79; 95% confidence interval, 0.63–0.99). This was the only significant difference in 50 logistic regression models comparing unmet health care and preventive counseling needs among low-income and middle-income children with public versus private coverage. Conclusions The striking similarities in reported rates of unmet needs among children with public versus private coverage in both low-income and middle-income groups suggest that a public children’s insurance option may be equivalent to a private option in guaranteeing access to necessary health care services for all children. PMID:21478781

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

    PubMed

    Linehan, Kathryn

    2010-12-21

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

  5. Basic insurance concepts for dentists.

    PubMed

    Hagglund, C E; Weimer, B D; Weeding, W C

    1997-06-01

    Dentists cannot afford to be ignorant about insurance. Insurance is an important risk-management tool, minimizing the exposure for catastrophic claims and losses. Patient insurance is also a major source of revenue for most dental practices.

  6. Insurance Needs for Adventure Programs.

    ERIC Educational Resources Information Center

    Wolff, Robert M.; Washburn, Nancy

    1984-01-01

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

  7. From health plan companies to international insurance companies: changes in the accumulation regime and repercussions on the healthcare system in Brazil.

    PubMed

    Bahia, Ligia; Scheffer, Mario; Tavares, Leandro Reis; Braga, Iale Falleiros

    2016-11-03

    The concentration and internationalization of health plan companies in Brazil gave them a clearly financial face. Based on the need to understand the health care industry's capital accumulation patterns, the current study examines health plan companies' expansion strategies through the classification of their supply and demand characteristics by recent historical periods and an analysis of recent shareholding trends in one of the leading corporations in the Brazilian health care industry. The 1960s to 2000s witnessed changes in the scale of demands for health plans and adherence by companies to long-term accumulation strategies. Beginning in the early 21st century, changes in the shareholding structures of the largest Brazilian company, consistent with the financialization of its accumulation regime, resulted in the rapid multiplication of its capital. Deepening segmentation of the health care system in a context marked by the downturn in the national economy challenges the preservation of public subsidies for private health plans. Resumo: A concentração e internacionalização de empresas de planos de saúde no Brasil conferiram-lhes feição financeira. Considerando a necessidade de compreender os padrões de acumulação desse setor, o trabalho examina estratégias de expansão das empresas de planos de saúde por meio da periodização de atributos da oferta e demanda e exame da trajetória patrimonial recente de um dos grandes grupos do setor. Entre os anos 1960 e 2000, ocorreram alterações na escala das demandas por planos de saúde e adesão das empresas a estratégias de acumulação de longo prazo. A partir do século XXI, as alterações nas estruturas societárias da maior empresa brasileira, compatíveis com o regime de acumulação financeirizada, resultaram na multiplicação de seu capital em um curto intervalo de tempo. O aprofundamento da segmentação do sistema de saúde, em um contexto marcado pela desaceleração da economia, questiona a

  8. The Insurance Educator. 1994.

    ERIC Educational Resources Information Center

    Insurance Educator, 1994

    1994-01-01

    These two issues of a semiannual newsletter are intended to provide secondary educators with a greater knowledge of insurance and access to teaching materials, new ideas, and insurance career information for students. Each newsletter contains the following: lessons for the teacher, special features (learning activities), teen drivers/automobile…

  9. Constructing an urban population model for medical insurance scheme using microsimulation techniques.

    PubMed

    Xiong, Linping; Zhang, Lulu; Tang, Weidong; Ma, Yuqin

    2012-01-01

    China launched a pilot project of medical insurance reform in 79 cities in 2007 to cover urban nonworking residents. An urban population model was created in this paper for China's medical insurance scheme using microsimulation model techniques. The model made it clear for the policy makers the population distributions of different groups of people, the potential urban residents entering the medical insurance scheme. The income trends of units of individuals and families were also obtained. These factors are essential in making the challenging policy decisions when considering to balance the long-term financial sustainability of the medical insurance scheme.

  10. Planning High-Tech High.

    ERIC Educational Resources Information Center

    Hymon, Steve

    1997-01-01

    Examines the planning process for developing a high-tech high school using the example of one such school in Florida's Collier County school district. Addresses budget figures, planning objectives, organizational considerations, pilot program creation, and planning tips. (GR)

  11. 20 CFR 323.6 - Treatment of benefit payments under a nongovernmental plan for purposes of contributions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  12. 20 CFR 323.6 - Treatment of benefit payments under a nongovernmental plan for purposes of contributions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  13. 20 CFR 323.6 - Treatment of benefit payments under a nongovernmental plan for purposes of contributions.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  14. 20 CFR 323.6 - Treatment of benefit payments under a nongovernmental plan for purposes of contributions.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  15. 20 CFR 323.6 - Treatment of benefit payments under a nongovernmental plan for purposes of contributions.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

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

    PubMed

    Quincy, Lynn

    2011-02-01

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

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

    PubMed

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

    2009-11-01

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

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

    PubMed

    Liu, Kai

    2016-03-01

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

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

    NASA Astrophysics Data System (ADS)

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

  20. 75 FR 15777 - Common Crop Insurance Regulations, Basic Provisions; and Various Crop Insurance Provisions

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-30

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

  1. 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…

  2. Terrorism Insurance: Alternative Programs for Protecting Insurance Consumers

    DTIC Science & Technology

    2007-11-02

    insurance in urban areas - Offered federal reinsurance for insured property in urban areas Statement Terrorism Insurance: Alternative Proposals for...and the reinsurers who share the industry’s risks, have indicated that they don’t know how much to charge for this coverage going forward because they...Insurance: Alternative Proposals for Protecting Insurance Consumers Page 2 GAO-02-199T prudent and efficient behavior are not replaced by an attitude

  3. 20 CFR 323.3 - Standards for Board approval of a nongovernmental plan.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.3 Standards for Board approval of a nongovernmental plan. An unemployment or sickness benefit plan qualifies... conditions governing payment of benefits under the Railroad Unemployment Insurance Act. However, a plan...

  4. 20 CFR 323.4 - Guidelines for content of a nongovernmental plan.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.4 Guidelines for content of a nongovernmental plan. At a minimum, a nongovernmental plan for unemployment or sickness insurance should contain the following features: (a) The title of the plan (e.g., Supplemental...

  5. 20 CFR 323.4 - Guidelines for content of a nongovernmental plan.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.4 Guidelines for content of a nongovernmental plan. At a minimum, a nongovernmental plan for unemployment or sickness insurance should contain the following features: (a) The title of the plan (e.g., Supplemental...

  6. 20 CFR 323.3 - Standards for Board approval of a nongovernmental plan.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.3 Standards for Board approval of a nongovernmental plan. An unemployment or sickness benefit plan qualifies... conditions governing payment of benefits under the Railroad Unemployment Insurance Act. However, a plan...

  7. 20 CFR 323.4 - Guidelines for content of a nongovernmental plan.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.4 Guidelines for content of a nongovernmental plan. At a minimum, a nongovernmental plan for unemployment or sickness insurance should contain the following features: (a) The title of the plan (e.g., Supplemental...

  8. 20 CFR 323.4 - Guidelines for content of a nongovernmental plan.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.4 Guidelines for content of a nongovernmental plan. At a minimum, a nongovernmental plan for unemployment or sickness insurance should contain the following features: (a) The title of the plan (e.g., Supplemental...

  9. 20 CFR 323.3 - Standards for Board approval of a nongovernmental plan.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.3 Standards for Board approval of a nongovernmental plan. An unemployment or sickness benefit plan qualifies... conditions governing payment of benefits under the Railroad Unemployment Insurance Act. However, a plan...

  10. 20 CFR 323.3 - Standards for Board approval of a nongovernmental plan.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.3 Standards for Board approval of a nongovernmental plan. An unemployment or sickness benefit plan qualifies... conditions governing payment of benefits under the Railroad Unemployment Insurance Act. However, a plan...

  11. 20 CFR 323.4 - Guidelines for content of a nongovernmental plan.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.4 Guidelines for content of a nongovernmental plan. At a minimum, a nongovernmental plan for unemployment or sickness insurance should contain the following features: (a) The title of the plan (e.g., Supplemental...

  12. 20 CFR 323.3 - Standards for Board approval of a nongovernmental plan.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.3 Standards for Board approval of a nongovernmental plan. An unemployment or sickness benefit plan qualifies... conditions governing payment of benefits under the Railroad Unemployment Insurance Act. However, a plan...

  13. 24 CFR 266.310 - Insurance of advances or insurance upon completion; applicability of requirements.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ..., work write-ups, and other contract documents. (2) Approval of advances. At all times, the loan must be... inspection, as well as in accord with plans, specifications, work write-ups and other contract documents. In... record as long as mortgage insurance is in force....

  14. Insurance in clinical research

    PubMed Central

    Ghooi, Ravindra B.; Divekar, Deepa

    2014-01-01

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

  15. Deductibles in health insurance

    NASA Astrophysics Data System (ADS)

    Dimitriyadis, I.; Öney, Ü. N.

    2009-11-01

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

  16. Computer Crime and Insurance.

    ERIC Educational Resources Information Center

    Beaudoin, Ralph H.

    1985-01-01

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

  17. Health Insurance Exchanges: Health Insurance Navigators and In-Person Assistance

    DTIC Science & Technology

    2013-09-25

    apply for coverage through the exchanges may be eligible for small business tax credits.5 Consumers may apply for coverage over the phone, online , via...more recent CMS announcements reference 20-30 hours of training. 47 The Medicare Learning Network online navigator training is estimated to take 20...presented with an array of possible insurance plans. Shoppers can search for plans in different ways such as company name, average monthly cost, premiums

  18. Medicare, Medicaid, and Children's Health Insurance Programs; additional screening requirements, application fees, temporary enrollment moratoria, payment suspensions and compliance plans for providers and suppliers. Final rule with comment period.

    PubMed

    2011-02-02

    This final rule with comment period will implement provisions of the ACA that establish: Procedures under which screening is conducted for providers of medical or other services and suppliers in the Medicare program, providers in the Medicaid program, and providers in the Children's Health Insurance Program (CHIP); an application fee imposed on institutional providers and suppliers; temporary moratoria that may be imposed if necessary to prevent or combat fraud, waste, and abuse under the Medicare and Medicaid programs, and CHIP; guidance for States regarding termination of providers from Medicaid and CHIP if terminated by Medicare or another Medicaid State plan or CHIP; guidance regarding the termination of providers and suppliers from Medicare if terminated by a Medicaid State agency; and requirements for suspension of payments pending credible allegations of fraud in the Medicare and Medicaid programs. This final rule with comment period also discusses our earlier solicitation of comments regarding provisions of the ACA that require providers of medical or other items or services or suppliers within a particular industry sector or category to establish compliance programs. We have identified specific provisions surrounding our implementation of fingerprinting for certain providers and suppliers for which we may make changes if warranted by the public comments received. We expect to publish our response to those comments, including any possible changes to the rule made as a result of them, as soon as possible following the end of the comment period. Furthermore, we clarify that we are finalizing the adoption of fingerprinting pursuant to the terms and conditions set forth herein.

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

    PubMed

    Thomas, Thomas K

    2011-02-01

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

  20. Women's Health Coverage Since the ACA: Improvements for Most, But Insurer Exclusions Put Many at Risk.

    PubMed

    Palanker, Dania; Davenport, Karen

    2016-08-01

    Issue: Since enactment of the Affordable Care Act (ACA), many more women have health insurance than before the law, in part because it prohibits insurer practices that discriminate against women. However, gaps in women's health coverage persist. Insurers often exclude health services that women are likely to need, leaving women vulnerable to higher costs and denied claims that threaten their economic security and physical health. Goal: To uncover the types and incidence of insurer exclusions that may disproportionately affect women's coverage. Method: The authors examined qualified health plans from 109 insurers across 16 states for 2014, 2015, or both years. Key findings and conclusions: Six types of services are frequently excluded from insurance coverage: treatment of conditions resulting from noncovered services, maintenance therapy, genetic testing, fetal reduction surgery, treatment of self-inflicted conditions, and preventive services not covered by law. Policy change recommendations include prohibiting variations within states' "essential health benefits" benchmark plans and requiring transparency and simplified language in plan documents.

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

    PubMed

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

    2015-12-01

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

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

    NASA Technical Reports Server (NTRS)

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

    1990-01-01

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

  3. Graduate students' health insurance status and preferences.

    PubMed

    Smith, D G

    1995-01-01

    A survey of graduate and professional students at the University of Michigan revealed that many (12.6%) do not have healthcare coverage. Minority students and students who are financing their education with loans and scholarships are at a particularly high risk of being uninsured. Students are divided in their preferences for changes in policies and systems of coverage. Most of the students' preference is for the university to offer a modestly improved plan and a requirement that students prove insurance coverage. In addition, some students indicated that they would like to have an inexpensive plan as well as the current system of voluntary insurance. After the survey, university officials opted to continue with current offerings and to add an improved policy under a voluntary system.

  4. 24 CFR 1000.139 - What are the standards for insurance entities owned and controlled by recipients?

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ..., an application and supporting materials must be submitted containing the information specified in... entity, tribal self-insurance plan, tribal risk retention group, or Indian housing self-insurance risk...-insurance; (B) The management staff must have at least one senior manager who has a minimum of five years...

  5. Pilot production & commercialization of LAPPD™

    NASA Astrophysics Data System (ADS)

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

    2015-07-01

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

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

    PubMed Central

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

    2016-01-01

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

  7. Sex discrimination and insurance for contraception.

    PubMed

    Law, S A

    1998-04-01

    Unintended pregnancy is a serious problem in the United States. Most private insurance plans do not pay for contraception even though they pay for other prescription drugs and devices. This Article argues that this pattern constitutes sex discrimination and is prohibited by Title VII of the Civil Rights Act of 1964, as amended by the Pregnancy Discrimination Act. It discusses the reasons this issue has been neglected and suggests ways federal and state officials might remedy this common form of gender discrimination.

  8. Pilot performance

    NASA Technical Reports Server (NTRS)

    Nicholls, Jennifer

    1988-01-01

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

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

    NASA Astrophysics Data System (ADS)

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

    2014-12-01

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

  10. The Social Life of Health Insurance in Low- to Middle-income Countries: An Anthropological Research Agenda.

    PubMed

    Dao, Amy; Nichter, Mark

    2016-03-01

    The following article identifies new areas for engaged medical anthropological research on health insurance in low- and middle-income countries (LMICs). Based on a review of the literature and pilot research, we identify gaps in how insurance is understood, administered, used, and abused. We provide a historical overview of insurance as an emerging global health panacea and then offer brief assessments of three high-profile attempts to provide universal health coverage. Considerable research on health insurance in LMICs has been quantitative and focused on a limited set of outcomes. To advance the field, we identify eight productive areas for future ethnographic research that will add depth to our understanding of the social life and impact of health insurance in LMICs. Anthropologists can provide unique insights into shifting health and financial practices that accompany insurance coverage, while documenting insurance programs as they evolve and respond to contingencies.

  11. 12 CFR 330.14 - Retirement and other employee benefit plan accounts.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... plan shall be deemed to be the employee's account balance as of the date of default of the insured... determining the amount of deposit insurance accorded to the deposits of the plan. (d) Treatment of...

  12. Insurance Transitions Following the First ACA Open Enrollment Period.

    PubMed

    Carman, Katherine Grace; Eibner, Christine

    2015-11-30

    While most of the Affordable Care Act's (ACA's) coverage-related provisions took effect in January 2014, there is limited information on insurance transitions that occurred in the period before and after these changes became operational. In Insurance Transitions Following the First ACA Open Enrollment Period, the authors examine insurance transitions between September 2013 and November 2014 using longitudinal data from the RAND Health Reform Opinion Study, a part of the RAND American Life Panel (ALP). The ALP includes 2,953 respondents-ages 18 to 64, in a population-based sample-who were approached to participate in this data collection. Out of the 2,953 individuals, 2,329 (79 percent) responded in September 2013, and 1,972 (67 percent) responded in November 2014; 1,636 (55 percent) responded in both months, and 1,628 (55 percent) provided clear information about their source of insurance. The authors report the type of coverage people had before the law's major provisions took effect (September 2013) and at the end of the Marketplace enrollment year (November 2014). They estimate that 20.4 million nonelderly adults became newly insured and 7.4 million lost coverage, for a net increase of 12.9 million between September 2013 and November 2014. Among those previously uninsured, most (7.5 million) enrolled in Medicaid, followed by employer plans (7.3 million), the Marketplaces (3.1 million), and other insurance sources. Among those losing coverage, most (3.4 million) lost employer coverage, with the remaining insurance losses spread across a variety of coverage sources. The authors estimate that 7.6 million people enrolled in Marketplace plans; this includes the 3.1 million people who became newly insured in Marketplace plans and another 4.5 million people who transitioned to Marketplace plans from another coverage source. The majority of those insured at baseline (81 percent) experienced no change in source of coverage during the study period, suggesting that

  13. Adolescent Project Pilot for an Outcome Study.

    ERIC Educational Resources Information Center

    Louden, Jenifer H.; Kamara, Sheku G.

    This report describes a 7-week pilot study conducted to estimate probable participation rates for a planned substance abuse treatment outcomes study. The pilot program tested whether acceptable response rates might be obtained by contacting clients whose records had been examined by an earlier study (retrospective) or by contacting current clients…

  14. Low-Income Working Families With Employer-Sponsored Insurance Turn To Public Insurance For Their Children.

    PubMed

    Strane, Douglas; French, Benjamin; Eder, Jennifer; Wong, Charlene A; Noonan, Kathleen G; Rubin, David M

    2016-12-01

    Many families rely on employer-sponsored health insurance for their children. However, the rise in the cost of such insurance has outpaced growth in family income, potentially making public insurance (Medicaid or the Children's Health Insurance Plan) an attractive alternative for affordable dependent coverage. Using data for 2008-13 from the Medical Expenditure Panel Survey, we quantified the coverage rates for children from low- or moderate-income households in which a parent was offered employer-sponsored insurance. Among families in which parents were covered by such insurance, the proportion of children without employer-sponsored coverage increased from 22.5 percent in 2008 to 25.0 percent in 2013. The percentage of children with public insurance when a parent was covered by employer-sponsored insurance increased from 12.1 percent in 2008 to 15.2 percent in 2013. This trend was most pronounced for families with incomes of 100-199 percent of the federal poverty level, for whom the share of children with public insurance increased from 22.8 percent to 29.9 percent. Among families with incomes of 200-299 percent of poverty, uninsurance rates for children increased from 6.0 percent to 9.2 percent. These findings suggest a movement away from employer-sponsored insurance and toward public insurance for children in low-income families, and growth in uninsurance among children in moderate-income families.

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

    ERIC Educational Resources Information Center

    Fulton, Wallace C.

    1974-01-01

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

  16. 42 CFR 411.35 - Limitations on charges to a beneficiary or other party when a workers' compensation plan, a no...

    Code of Federal Regulations, 2014 CFR

    2014-10-01

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

  17. 42 CFR 411.35 - Limitations on charges to a beneficiary or other party when a workers' compensation plan, a no...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  18. 42 CFR 411.35 - Limitations on charges to a beneficiary or other party when a workers' compensation plan, a no...

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  19. 42 CFR 411.35 - Limitations on charges to a beneficiary or other party when a workers' compensation plan, a no...

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  20. 42 CFR 411.35 - Limitations on charges to a beneficiary or other party when a workers' compensation plan, a no...

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  1. Safe teleradiology: information assurance as project planning methodology.

    PubMed

    Collmann, Jeff; Alaoui, Adil; Nguyen, Dan; Lindisch, David

    2005-01-01

    The Georgetown University Medical Center Department of Radiology used a tailored version of OCTAVE, a self-directed information security risk assessment method, to design a teleradiology system that complied with the regulation implementing the security provisions of the Health Insurance Portability and Accountability Act (HIPAA) of 1996. The system addressed threats to and vulnerabilities in the privacy and security of protected health information. By using OCTAVE, Georgetown identified the teleradiology program's critical assets, described threats to the assurance of those assets, developed and ran vulnerability scans of a system pilot, evaluated the consequences of security breaches, and developed a risk management plan to mitigate threats to program assets, thereby implementing good information assurance practices. This case study illustrates the basic point that prospective, comprehensive planning to protect the privacy and security of an information system strategically benefits program management as well as system security.

  2. Health Insurance: Understanding What It Covers

    MedlinePlus

    ... Home Your Health Resources Healthcare Management Insurance & Bills Health Insurance: Understanding What It Covers Health Insurance: Understanding What It Covers Family HealthHealthcare ManagementInsurance & BillsMenWomenYour ...

  3. Family planning in Papua New Guinea.

    PubMed

    Osborn, M

    1986-11-01

    The general situation of family planning in Papua New Guinea, several of the relevant traditional beliefs, and a pilot project of community based distribution and family planning education in a rural market town. There is no government policy on population, although community based distribution programs have been active in some areas for 10 years. Papua New Guinea has a crude birth rate of 44/1000, an average of 6 children per family, but has only begun to introduce primary health care. Consequently, the population is expected to double by 2015. The pilot program, in a market town called Maprik in East Sepik Province, targets 44,378 women from surrounding villages, of whom about 800 may be using contraception. A family planning nurse is training 20 members of a Women's Council. In a 4-day course, held in the Council House, community distribution workers discussed family planning, responsible parenthood, sex education, nutrition, environmental and population issues. Ancient taboos and social controls that used to space births are breaking down under the pressure of missionization and westernization. Intercourse is still prohibited during menstruation and breastfeeding. There are specific magic spells and rituals used to insure fertility or abortion: these examples were used to help women understand the concepts of modern family planning methods. The nurse encouraged feedback from the women, and only held one formal teaching session, on record-keeping. For the success of the program, field workers should work from within, and supervise adequately. This will be done with quarterly refresher courses and monthly follow-up in each village.

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

    MedlinePlus

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

  5. Insurance, risk, and magical thinking.

    PubMed

    Tykocinski, Orit E

    2008-10-01

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

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

    PubMed

    Morgan, Rachel; MacEachern, Lillian

    2002-12-31

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

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

    PubMed

    MacEachern, Lillian

    2003-12-31

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

  8. [Competition among health insurers from the perspective of a statutory health insurance company].

    PubMed

    Fischer, Birgit

    2009-01-01

    In the wake of the new healthcare legislation the German statutory health insurers--about 200 health plans of statutory health insurances--find themselves in tight competition. Since 2009 the health insurers have obtained their money from a centralised health fund (Gesundheitsfonds). If the financial contributions from this fund fail to cover costs the funds are forced to raise an additional premium from their insured members who, in turn, may immediately switch to another insurance company. By implementing this new system of a Gesundheitsfonds the old risk structure compensation scheme has been redesigned. Now the cost-predicting factors do not only include age and sex, but also additional ones like diagnosis of in- and outpatient care (morbidity factor). This approach to risk compensation is an essential prerequisite for "solidarity-based" competition. Sickness funds now concentrate their efforts on care management in order to achieve cost-effectiveness and to ensure quality in healthcare, which is their actual aim. This, however, requires further options of selective contracting with single providers or groups of providers.

  9. Health intervention pilots: thinking big before thinking small.

    PubMed

    Hannay, Emma Jane; Whelan, Fenton

    2015-12-01

    Pilots are a commonly deployed tool to support global health reform efforts. However, many pilots fail to be taken to scale due to critical flaws in pilot design and planning. Deploying pilots, which are not designed to be taken to scale, or not appropriate to answer the fundamental questions of scale, may distract from needed scale efforts or reduce resources available for reform. This article proposes four guidelines for planners to consider when designing a pilot. These guidelines can help ensure a pilot is both successful in achieving its internal targets and successfully implemented at scale.

  10. Health insurers' financial performance and quality improvement expenditures in the Affordable Care Act's second year.

    PubMed

    McCue, Michael J; Hall, Mark

    2015-02-01

    The Affordable Care Act requires health insurers to rebate any amounts less than 80%-85% of their premiums that they fail to spend on medical claims or quality improvement. This study uses the new comprehensive reporting under this law to examine changes in insurers' financial performance and differences in their quality improvement expenditures. In the ACA's second year (2012), insurers' median medical loss ratios continued to increase and their median administrative cost ratios dropped, producing moderate operating margins in the group markets but a small operating loss in the individual market, at the median. For-profit insurers showed larger changes, in general, than did nonprofits. For quality improvement, insurers reported spending a significantly greater amount per member in their government plans than they did on their self-insured members, with spending on commercial insurance being in between these two extremes. The magnitude and source of these differences varied by corporate ownership.

  11. "Wrapping Up" Your Construction Insurance.

    ERIC Educational Resources Information Center

    Ferraro, Mark

    1998-01-01

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

  12. Insurance: Pupils' Pamphlet. II C.

    ERIC Educational Resources Information Center

    University of the South Pacific, Suva (Fiji).

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

  13. 46 CFR Sec. 13 - Insurance.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 46 Shipping 8 2012-10-01 2012-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance... respect to awarded work. Said Article 9 requires that the Contractor shall maintain insurance to...

  14. 46 CFR Sec. 13 - Insurance.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 46 Shipping 8 2013-10-01 2013-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance... respect to awarded work. Said Article 9 requires that the Contractor shall maintain insurance to...

  15. 46 CFR Sec. 13 - Insurance.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 46 Shipping 8 2014-10-01 2014-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance... respect to awarded work. Said Article 9 requires that the Contractor shall maintain insurance to...

  16. The Insurance Educator. Volume VII.

    ERIC Educational Resources Information Center

    Insurance Educator, 1998

    1998-01-01

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

  17. What's Behind Rising Insurance Costs?

    ERIC Educational Resources Information Center

    Adams, Velma A.

    1970-01-01

    Rising risks, and losses resulting from civil disorders and vandalism are producing a squeeze on profits thus precipitating higher property insurance rates and deductibles, according to the insurance industry; while schoolmen lay the blame on industry panic. The conclusion is that school and insurance representatives must work together toward the…

  18. 46 CFR Sec. 13 - Insurance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  19. 46 CFR Sec. 13 - Insurance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  20. Trustee Liability Insurance Under ERISA

    ERIC Educational Resources Information Center

    Gertner, Marc

    1975-01-01

    Consideration of errors and omissions insurance under ERISA demands a brief review of pre-ERISA trustee liability insurance law in this symposium report for historical and practical perspective. Specific problems are discussed, and it is concluded that the purchase of insurance should not lull a fiduciary into a false sense of security.…

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

    SciTech Connect

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

    1996-12-31

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

  2. Insurance: A School District's Constant Concern

    ERIC Educational Resources Information Center

    Tanzman, Jack

    1973-01-01

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

  3. Insurance Renewal Tips.

    ERIC Educational Resources Information Center

    Madsen, Claudina

    1990-01-01

    College business officers should take advantage of the industry's market to prepare their institutions for an upcoming hard market. Steps to be taken include evaluating the insurance broker; meeting with the company underwriter; negotiating; considering a renewal contract; negotiating pooling mechanisms; lowering deductibles; and implementing…

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

    PubMed

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

    2015-05-01

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

  5. Effects of alcohol on pilot performance in simulated flight

    NASA Technical Reports Server (NTRS)

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

    1991-01-01

    Ethyl alcohol's known ability to produce reliable decrements in pilot performance was used in a study designed to evaluate objective methods for assessing pilot performance. Four air carrier pilot volunteers were studied during eight simulated flights in a B727 simulator. Total errors increased linearly and significantly with increasing blood alcohol. Planning and performance errors, procedural errors and failures of vigilance each increased significantly in one or more pilots and in the group as a whole.

  6. Private health insurance policies in Israel: a report on the 2012 Dead Sea Conference.

    PubMed

    Bin Nun, Gabi

    2013-06-27

    The private health insurance (commercial and supplementary health insurance) sector has undergone a revolutionary transformation in recent years, both in the number of individuals who own private plans, and in the financial scope of these plans. With these developments in the background, leaders of the Israeli healthcare system convened in December 2012 at the Dead Sea for a discussion on "Private healthcare insurance plans in Israel: Developments, concerns, and directions for a solution". This meeting report summarizes the main issues discussed at the conference.

  7. [Medical insurance estimation of risks].

    PubMed

    Dunér, H

    1975-11-01

    The purpose of insurance medicine is to make a prognostic estimate of medical risk-factors in persons who apply for life, health, or accident insurance. Established risk-groups with a calculated average mortality and morbidity form the basis for premium rates and insurance terms. In most cases the applicant is accepted for insurance after a self-assessment of his health. Only around one per cent of the applications are refused, but there are cases in which the premium is raised, temporarily or permanently. It is often a matter of rough estimate, since the knowlege of the long-term prognosis for many diseases is incomplete. The insurance companies' rules for estimate of risk are revised at intervals of three or four years. The estimate of risk as regards life insurance has been gradually liberalised, while the medical conditions for health insurance have become stricter owing to an increase in the claims rate.

  8. 15 CFR 923.56 - Plan coordination.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... designations made pursuant to the National Flood Insurance Act of 1968, as amended, and the Flood Disaster... Regional Action Planning Commission; and fishery management plans developed pursuant to the...

  9. Planning Effectively for Young Children in a Bilingual-Multicultural Environment. Bilingual/Bicultural Child Development Associate Pilot Project: Module III.

    ERIC Educational Resources Information Center

    Coleman, Joyce H.

    This Child Development Associate (CDA) training module, the third in a series of 16, provides a course in preschool curriculum planning for bilingual/bicultural preschool teacher trainees. Lesson materials discuss conditions for learning, benefits of good planning, goals of early education and ways of translating goals into learning experiences…

  10. The Pilot Training Study: A Cost-Estimating Model for Advanced Pilot Training (APT).

    ERIC Educational Resources Information Center

    Knollmeyer, L. E.

    The Advanced Pilot Training Cost Model is a statement of relationships that may be used, given the necessary inputs, for estimating the resources required and the costs to train pilots in the Air Force formal flying training schools. Resources and costs are computed by weapon system on an annual basis for use in long-range planning or sensitivity…

  11. A new dental insurance scheme--effects on the treatment provided and costs.

    PubMed

    Andås, Charlotte Andrén; Ostberg, Anna-Lena; Berggren, Pontus; Hakeberg, Magnus

    2014-01-01

    The aim of this study was to investigate whether the revenues cover the costs in a pilot capitation plan, a dental insurance scheme, and to compare this capitation plan (CP) with the original fee-for-service system (FFS), in terms of the amount and type of dental care provided. Data was collected longitudinally over a period of three years from 1,650 CP patients in five risk groups at a test clinic, and from 1,609 (from the test clinic) and 3,434 (from a matched control clinic) FFS patients, in Göteborg, Sweden. The care investigated was the number of total treatments provided and the number of examinations by dentists and dental hygienists, together with preventive, restorative and emergency treatments. The economic outcome was positive from the administrator's perspective, in all risk groups for the three-year period. The amount and type of care provided differed between the payment models, as CP patients received more preventive treatments, less restorative treatments, and more examinations by dental hygienists than the FFS patients. Emergency treatment was performed more often on CP patients, and the difference was due to a higher frequency of such treatments among women in the CP group. The difference between clinics concerning certain treatment measures was sometimes greater than the difference between payment models. The results from this study indicate a net positive economic outcome for the pilot CP system over three years. The payment model and the clinic affiliation had impact on what type and amount of dental care the patients received. This might suggest that the risk of skewed selection and its consequences as well as the influence of clinic-specific practice need further investigation, to ensure economic sustainability in a longer perspective.

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

    NASA Astrophysics Data System (ADS)

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

    2013-12-01

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

  13. 22 CFR 229.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Health and insurance benefits and services. 229... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... on the Basis of Sex in Education Programs or Activities Prohibited § 229.440 Health and...

  14. 15 CFR 8a.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... 15 Commerce and Foreign Trade 1 2011-01-01 2011-01-01 false Health and insurance benefits and services. 8a.440 Section 8a.440 Commerce and Foreign Trade Office of the Secretary of...

  15. 43 CFR 41.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 43 Public Lands: Interior 1 2010-10-01 2010-10-01 false Health and insurance benefits and services... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 41.440 Health and...

  16. 6 CFR 17.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 6 Domestic Security 1 2010-01-01 2010-01-01 false Health and insurance benefits and services. 17... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 17.440 Health and...

  17. 6 CFR 17.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 6 Domestic Security 1 2011-01-01 2011-01-01 false Health and insurance benefits and services. 17... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 17.440 Health and...

  18. 38 CFR 23.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Prohibited § 23.440 Health and insurance benefits and services. Subject to § 23.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Health and...

  19. 28 CFR 54.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Health and insurance benefits and services. 54.440 Section 54.440 Judicial Administration DEPARTMENT OF JUSTICE (CONTINUED)...

  20. 28 CFR 54.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... 28 Judicial Administration 2 2011-07-01 2011-07-01 false Health and insurance benefits and services. 54.440 Section 54.440 Judicial Administration DEPARTMENT OF JUSTICE (CONTINUED)...

  1. 14 CFR 1253.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 14 Aeronautics and Space 5 2011-01-01 2010-01-01 true Health and insurance benefits and services... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1253.440 Health and...

  2. 22 CFR 146.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Health and insurance benefits and services. 146... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... the Basis of Sex in Education Programs or Activities Prohibited § 146.440 Health and...

  3. 22 CFR 146.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Health and insurance benefits and services. 146... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... the Basis of Sex in Education Programs or Activities Prohibited § 146.440 Health and...

  4. 38 CFR 23.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Prohibited § 23.440 Health and insurance benefits and services. Subject to § 23.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a... 38 Pensions, Bonuses, and Veterans' Relief 2 2011-07-01 2011-07-01 false Health and...

  5. 41 CFR 101-4.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... insurance benefits and services. Subject to § 101-4.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not... 41 Public Contracts and Property Management 2 2011-07-01 2007-07-01 true Health and...

  6. 18 CFR 1317.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... § 1317.440 Health and insurance benefits and services. Subject to § 1317.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient... 18 Conservation of Power and Water Resources 2 2011-04-01 2011-04-01 false Health and...

  7. 31 CFR 28.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... 31 Money and Finance: Treasury 1 2011-07-01 2011-07-01 false Health and insurance benefits and services. 28.440 Section 28.440 Money and Finance: Treasury Office of the Secretary of the...

  8. 41 CFR 101-4.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... insurance benefits and services. Subject to § 101-4.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not... 41 Public Contracts and Property Management 2 2010-07-01 2010-07-01 true Health and...

  9. 31 CFR 28.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Health and insurance benefits and services. 28.440 Section 28.440 Money and Finance: Treasury Office of the Secretary of the...

  10. 18 CFR 1317.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... § 1317.440 Health and insurance benefits and services. Subject to § 1317.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient... 18 Conservation of Power and Water Resources 2 2010-04-01 2010-04-01 false Health and...

  11. 14 CFR 1253.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Health and insurance benefits and services... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1253.440 Health and...

  12. 22 CFR 229.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Health and insurance benefits and services. 229... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... on the Basis of Sex in Education Programs or Activities Prohibited § 229.440 Health and...

  13. 15 CFR 8a.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Health and insurance benefits and services. 8a.440 Section 8a.440 Commerce and Foreign Trade Office of the Secretary of...

  14. Does the Availability of Parental Health Insurance Affect the College Enrollment Decision of Young Americans?

    ERIC Educational Resources Information Center

    Jung, Juergen; Hall, Diane M. Harnek; Rhoads, Thomas

    2013-01-01

    The present study examines whether the college enrollment decision of young individuals (student full-time, student part-time, and non-student) depends on health insurance coverage via a parent's family health plan. Our findings indicate that the availability of parental health insurance can have significant effects on the probability that a young…

  15. 44 CFR 19.440 - Health and insurance benefits and services.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 44 Emergency Management and Assistance 1 2011-10-01 2011-10-01 false Health and insurance benefits... Education Programs or Activities Prohibited § 19.440 Health and insurance benefits and services. Subject to..., including family planning services. However, any recipient that provides full coverage health service...

  16. 7 CFR 1405.8 - Disqualification due to crop insurance violation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE GENERAL REGULATIONS AND POLICIES LOANS, PURCHASES, AND... insurance provider with respect to a policy or plan of FCIC insurance after notice and an opportunity for a... producer may be disqualified for a period of up to 5 years from receiving any monetary or...

  17. Employer Self-Insurance Decisions and the Implications of the Patient Protection and Affordable Care Act as Modified by the Health Care and Education Reconciliation Act of 2010 (ACA).

    PubMed

    Eibner, Christine; Girosi, Federico; Miller, Amalia; Cordova, Amado; McGlynn, Elizabeth A; Pace, Nicholas M; Price, Carter C; Vardavas, Raffaele; Gresenz, Carole Roan

    2011-01-01

    The Patient Protection and Affordable Care Act as amended by the Health Care and Education Reconciliation Act of 2010 (ACA) changes the regulatory environment within which health insurance policies on the small-group market are bought and sold. New regulations include rate bands that limit premium price variation, risk-adjustment policies that will transfer funds from low-actuarial-risk to high-actuarial-risk plans, and requirements that plans include "essential health benefits." While the new regulations will be applied to all non-grandfathered fully insured policies purchased by businesses with 100 or fewer workers, self-insured plans are exempt from these regulations. As a result, some firms may have a stronger incentive to offer self-insured plans after the ACA takes full effect. In this article we identify factors that influence employers' decisions to self-insure and estimate how the ACA will influence self-insurance rates. We also consider the implications of higher self-insurance rates for adverse selection in the non-self-insured small-group market and whether enrollees in self-insured plans receive different benefits than enrollees in fully-insured plans. Results are based on data analysis, literature review, findings from discussions with stakeholders, and microsimulation analysis using the COMPARE model. Overall, we find little evidence that self-insured plans differ systematically from fully insured plans in terms of benefit generosity, price, or claims denial rates. Stakeholders expressed significant concern about adverse selection in the health insurance exchanges due to regulatory exemptions for self-insured plans. However, our microsimulation analysis predicts a sizable increase in self-insurance only if comprehensive stop-loss policies become widely available after the ACA takes full effect and the expected cost of self-insuring with stop-loss is comparable to the cost of being fully insured in a market without rating regulations.

  18. Insuring wind energy production

    NASA Astrophysics Data System (ADS)

    D'Amico, Guglielmo; Petroni, Filippo; Prattico, Flavio

    2017-02-01

    This paper presents an insurance contract that the supplier of wind energy may subscribe in order to immunize the production of electricity against the volatility of the wind speed process. The other party of the contract may be any dispatchable energy producer, like gas turbine or hydroelectric generator, which can supply the required energy in case of little or no wind. The adoption of a stochastic wind speed model allows the computation of the fair premium that the wind power supplier has to pay in order to hedge the risk of inadequate output of electricity at any time. Recursive type equations are obtained for the prospective mathematical reserves of the insurance contract and for their higher order moments. The model and the validity of the results are illustrated through a numerical example.

  19. 26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... insurance companies (other than life or mutual), mutual marine insurance companies, and mutual fire... marine insurance companies and mutual fire insurance companies exclusively issuing either...

  20. The "Land Unit and Soil Capability Map of Sardinia" at a 1:50,000 scale, a new tool for land use planning in Sardinia (Italy) - The pilot area of Pula-Capoterra (southwestern Sardinia)

    NASA Astrophysics Data System (ADS)

    Vacca, Andrea; Marrone, Vittorio Alessandro; Loddo, Stefano

    2014-05-01

    The Regional Landscape Plan (RLP) of Sardinia (Italy), approved in 2006, establishes the directions for any land use planning in Sardinia and requires that pre-existing plans have to be changed to comply with these directives. In the RLP, the soil is specifically considered one of the main landscape components and in the RLP guidelines a soil survey of the whole communal territory is required. Moreover, Land Unit and Land Capability maps are explicitly required, and the adoption of a single regional reference legend for these maps is strongly recommended. The Planning Department of the Regional Administration of Sardinia (RAS) has recently realized the need for specific knowledge and tools to support land use planning according to the RLP rules. Consequently, a new project for the creation of a "Land Unit and Soil Capability Map of Sardinia", at a scale of 1:50,000, was recently initiated in four pilot areas. Two Universities (Cagliari and Sassari) and two regional Agencies (AGRIS and LAORE) are involved in the project, each of them being responsible for one pilot area. In this work we present the map of the pilot area Pula-Capoterra (southwestern Sardinia, 46,040 ha). A GIS approach was used. We used the soil-landscape paradigm for the prediction of soil classes and their spatial distribution based on landscape features. The work was divided into two main phases. In the first phase, the available digital data on topography, geology and land cover were processed and classified according to their influence on weathering processes and soil properties. Digital thematic maps of soil-forming factors (landform, parent material, land cover) were produced to build the first draft of the Land Unit Map. The dataset was developed in a GIS environment, exploiting its potential to produce derived maps by intersections, reclassifications and summarizing themes using GIS functions. The existing soil data (areal and point data) were collected, reviewed, validated and standardized

  1. 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.

  2. Pilot land data system

    NASA Technical Reports Server (NTRS)

    Cressy, P. J.; Estes, J. E.

    1984-01-01

    During the fall of 1983, the Information Systems Office of NASA's Office of Space Science and Applications assembled a Working Group to develop initial plans for a Pilot Land Data System (PLDS). Workshops coordinated planning and concept development activities between land-related and computer science disciplines, and examined land research requirements, information science technology requirements, PLDS architecture, and methodologies for system evaluation. The PLDS will be a limited-scale distributed information system to explore scientific, technical and management approaches to satisfy land science research needs. PLDS will pave the way for a Land Data System to improve data access, processing, transfer and analysis, fostering an environment in which land science information synthesis can occur on a scale not previously possible owing to limits to data assembly and access and efficiency of processing.

  3. X-15 pilots

    NASA Technical Reports Server (NTRS)

    1965-01-01

    X-15 Pilots, Left to Right: Air Force pilot William J. 'Pete' Knight, Air Force Major Robert A. Rushworth, Air Force Captain Joseph H. Engle, NASA pilot Milton O. Thompson, NASA pilot Bill Dana, and NASA pilot John B. 'Jack' McKay.

  4. Does trust of patients in their physician predict loyalty to the health care insurer? The Israeli case study.

    PubMed

    Gabay, Gillie

    2016-01-01

    This pioneer study tests the relationship between patients' trust in their physicians and patients' loyalty to their health care insurers. This is a cross-sectional study using a representative sample of patients from all health care insurers with identical health care plans. Regression analyses and Baron and Kenny's model were used to test the study model. Patient trust in the physician did not predict loyalty to the insurer. Loyalty to the physician did not mediate the relationship between trust in the physician and loyalty to the insurer. Satisfaction with the physician was the only predictor of loyalty to the insurer.

  5. Reflexive Planning for Later Life

    ERIC Educational Resources Information Center

    Denton, Margaret A.; Kemp, Candace L.; French, Susan; Gafni, Amiram; Joshi, Anju; Rosenthal, Carolyn J.; Davies, Sharon

    2004-01-01

    Informed by Giddens' (1991) concept of "reflexive life" planning and the notion of later life as a time of increasing social and financial risk, this research explores the idea of "reflexive planning for later life". We utilize a conceptual model that incorporates three types of planning for later life: public protection, self-insurance, and…

  6. 75 FR 59057 - Common Crop Insurance Regulations, Cotton Crop Insurance Provisions and Macadamia Nut Crop...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-27

    ... Provisions and Macadamia Nut Crop Insurance Provisions; Correction AGENCY: Federal Crop Insurance Corporation... Provisions and applicable Crop Provisions, including the Cotton Crop Insurance Provisions. In addition, FCIC revised various Crop Provisions, including the Macadamia Nut Crop Insurance Provisions, to...

  7. 77 FR 31814 - National Flood Insurance Program (NFIP); Insurance Coverage and Rates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-30

    ... Flood Insurance Program (NFIP); Insurance Coverage and Rates AGENCY: Federal Emergency Management Agency... withdrawing a previously published Notice of Proposed Rulemaking (NPRM) concerning National Flood Insurance Program (NFIP) insurance premium rates for structures that have suffered multiple flood losses....

  8. 44 CFR 78.9 - Planning grant approval process.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... applications for Planning Grants. Funds will be provided only for the flood portion of any mitigation plan, and... 44 Emergency Management and Assistance 1 2012-10-01 2011-10-01 true Planning grant approval..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program...

  9. 44 CFR 78.9 - Planning grant approval process.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... applications for Planning Grants. Funds will be provided only for the flood portion of any mitigation plan, and... 44 Emergency Management and Assistance 1 2011-10-01 2011-10-01 false Planning grant approval..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program...

  10. 44 CFR 78.9 - Planning grant approval process.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... applications for Planning Grants. Funds will be provided only for the flood portion of any mitigation plan, and... 44 Emergency Management and Assistance 1 2013-10-01 2013-10-01 false Planning grant approval..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program...

  11. 44 CFR 78.9 - Planning grant approval process.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... applications for Planning Grants. Funds will be provided only for the flood portion of any mitigation plan, and... 44 Emergency Management and Assistance 1 2014-10-01 2014-10-01 false Planning grant approval..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program...

  12. 44 CFR 78.5 - Flood Mitigation Plan development.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 44 Emergency Management and Assistance 1 2012-10-01 2011-10-01 true Flood Mitigation Plan..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.5 Flood Mitigation Plan development. A Flood Mitigation Plan will articulate...

  13. 44 CFR 78.5 - Flood Mitigation Plan development.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 44 Emergency Management and Assistance 1 2013-10-01 2013-10-01 false Flood Mitigation Plan..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.5 Flood Mitigation Plan development. A Flood Mitigation Plan will articulate...

  14. 44 CFR 78.5 - Flood Mitigation Plan development.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 44 Emergency Management and Assistance 1 2011-10-01 2011-10-01 false Flood Mitigation Plan..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.5 Flood Mitigation Plan development. A Flood Mitigation Plan will articulate...

  15. 44 CFR 78.5 - Flood Mitigation Plan development.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Flood Mitigation Plan..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.5 Flood Mitigation Plan development. A Flood Mitigation Plan will articulate...

  16. 44 CFR 78.5 - Flood Mitigation Plan development.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 44 Emergency Management and Assistance 1 2014-10-01 2014-10-01 false Flood Mitigation Plan..., DEPARTMENT OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program FLOOD MITIGATION ASSISTANCE § 78.5 Flood Mitigation Plan development. A Flood Mitigation Plan will articulate...

  17. Private Pilot Ground School Course. Instructor's Guide.

    ERIC Educational Resources Information Center

    Schlenker, Richard M.

    This manual consists of 10 lesson plans for use by instructors teaching a private pilot ground school course. Addressed in the individual lesson plans are the following topics: aerodynamics and principles of flight, flight instruments and systems, operational publications, regulations, airplane operations, engine operations, radio communications,…

  18. Perceptions and uptake of health insurance for maternal care in rural Kenya: a cross sectional study

    PubMed Central

    Maina, Jackson Michuki; Kithuka, Peter; Tororei, Samuel

    2016-01-01

    Introduction In Kenya, maternal and child health accounts for a large proportion of the expenditures made towards healthcare. It is estimated that one in every five Kenyans has some form of health insurance. Availability of health insurance may protect families from catastrophic spending on health. The study intended to determine the factors affecting the uptake of health insurance among pregnant women in a rural Kenyan district. Methods This was cross-sectional study that sampled 139 pregnant women attending the antenatal clinic at a level 5 hospital in a Kenyan district. The information was collected through a pretested interview schedule. Results The median age of the study participants was 28 years. Out of the 139 respondents, 86(62%) planned to pay for their deliveries through insurance. There was a significant relationship between insurance uptake and marital status Adjusted odds ratio (AOR) 6.4(1.4-28.8). Those with tertiary education were more likely to take up insurance AOR 5.1 (1.3-19.2). Knowing the benefits of insurance and the limits the insurance would settle in claims was associated with an increase in the uptake of insurance AOR 7.6(2.3-25.1), AOR 6.4(1.5-28.3) respectively. Monthly income and number of children did not affect insurance uptake. Results Being married, tertiary education and having some knowledge on how insurance premiums are paid are associated with uptake of medical insurance. Information generated from this study if utilized will bring a better understanding as to why insurance coverage may be low and may provide a basis for policy changes among the insurance companies to increase the uptake. PMID:27279952

  19. A Self-Insured Health Program: From Crisis to Opportunity

    ERIC Educational Resources Information Center

    Steffes, Gary D.

    2008-01-01

    Moberly Area Community College faced a crisis in healthcare coverage that eventually lead to enhanced benefits, greater control, plan stability, and increased flexibility through a self-insured program. Presented here is how Moberly Area Community College overcame the health care coverage crisis and how other institutions can benefit from the…

  20. HIAA's The Business of Insurance: An Introduction.

    ERIC Educational Resources Information Center

    Rosen, Anita; Lynch, Margaret E.

    This booklet is intended to help students gain a broad understanding of the meaning, characteristics, organization, products, and functions of the insurance industry. The following topics are discussed: the concept of and need for insurance; basic principles of insurance (risk assessment, insurability and insurable interest, determination of…

  1. 46 CFR 308.100 - Insured amount.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Hull and Disbursements Insurance § 308.100 Insured amount. An applicant for war risk hull insurance shall state the amount of insurance desired but any payment of claim for damage to or actual or...

  2. 24 CFR 242.39 - Insurance endorsement.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Insurance endorsement. 242.39... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Endorsement for Insurance § 242.39 Insurance endorsement. (a)...

  3. 24 CFR 242.39 - Insurance endorsement.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Insurance endorsement. 242.39... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Endorsement for Insurance § 242.39 Insurance endorsement....

  4. 50 CFR 253.17 - Insurance.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 50 Wildlife and Fisheries 11 2012-10-01 2012-10-01 false Insurance. 253.17 Section 253.17 Wildlife... Insurance. (a) All insurable collateral property and other risks shall be continuously insured so long as... must be acceptable to the Program. (c) Insurance must be in such forms and amounts and against...

  5. 50 CFR 253.17 - Insurance.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 50 Wildlife and Fisheries 11 2014-10-01 2014-10-01 false Insurance. 253.17 Section 253.17 Wildlife... Insurance. (a) All insurable collateral property and other risks shall be continuously insured so long as... must be acceptable to the Program. (c) Insurance must be in such forms and amounts and against...

  6. 24 CFR 242.39 - Insurance endorsement.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Insurance endorsement. 242.39... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Endorsement for Insurance § 242.39 Insurance endorsement. (a)...

  7. 50 CFR 253.17 - Insurance.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 50 Wildlife and Fisheries 11 2013-10-01 2013-10-01 false Insurance. 253.17 Section 253.17 Wildlife... Insurance. (a) All insurable collateral property and other risks shall be continuously insured so long as... must be acceptable to the Program. (c) Insurance must be in such forms and amounts and against...

  8. The Insurance Educator. Volume IV. 1995.

    ERIC Educational Resources Information Center

    Insurance Educator, 1995

    1995-01-01

    These two issues are designed to provide secondary school educators with a greater knowledge of insurance and access to teaching materials regarding insurance and to provide students with information about insurance and insurance careers. The following feature articles are included in the newsletters: "Life Insurance: Why and When People Buy…

  9. 24 CFR 242.39 - Insurance endorsement.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Insurance endorsement. 242.39... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Endorsement for Insurance § 242.39 Insurance endorsement....

  10. 24 CFR 242.39 - Insurance endorsement.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 242.39... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Endorsement for Insurance § 242.39 Insurance endorsement....

  11. The economics of health insurance.

    PubMed

    Jha, Saurabh; Baker, Tom

    2012-12-01

    Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act.

  12. The effect of Health Savings Accounts on group health insurance coverage.

    PubMed

    Ye, Jinqi

    2015-12-01

    This paper presents new empirical evidence on the impact of tax subsidies for Health Savings Accounts (HSAs) on group insurance coverage. HSAs are tax-free health care expenditure savings accounts. Coupled with high deductible health insurance plans (HDHPs), they together represent new health insurance options. The tax advantage of HSAs expands the group health insurance market by making health care more affordable. Using individual level data from the Current Population Survey and exploiting policy variation by state and year from 2004 to 2012, I find that HSA tax subsidies increase small-group coverage by a statistically significant 2.5 percentage points, although not coverage in larger firms. Moreover, if the tax price of HSA contribution decreases by 10 cents, small-group insurance coverage increases by almost 2 percentage points. I also find that for older workers or less-educated workers, HSA subsidies are associated with 2-3 percentage point increase in their group insurance coverage.

  13. Consolidating the social health insurance schemes in China: towards an equitable and efficient health system.

    PubMed

    Meng, Qingyue; Fang, Hai; Liu, Xiaoyun; Yuan, Beibei; Xu, Jin

    2015-10-10

    Fragmentation in social health insurance schemes is an important factor for inequitable access to health care and financial protection for people covered by different health insurance schemes in China. To fulfil its commitment of universal health coverage by 2020, the Chinese Government needs to prioritise addressing this issue. After analysing the situation of fragmentation, this Review summarises efforts to consolidate health insurance schemes both in China and internationally. Rural migrants, elderly people, and those with non-communicable diseases in China will greatly benefit from consolidation of the existing health insurance schemes with extended funding pools, thereby narrowing the disparities among health insurance schemes in fund level and benefit package. Political commitments, institutional innovations, and a feasible implementation plan are the major elements needed for success in consolidation. Achievement of universal health coverage in China needs systemic strategies including consolidation of the social health insurance schemes.

  14. Risk selection and heterogeneous preferences in health insurance markets with a public option.

    PubMed

    Polyakova, Maria

    2016-09-01

    Conventional wisdom suggests that if private health insurance plans compete alongside a public option, they may endanger the latter's financial stability by cream-skimming good risks. This paper argues that two factors may contribute to the extent of cream-skimming: (i) degree of horizontal differentiation between public and private options when preferences are heterogeneous; (ii) whether contract design encourages choice of private insurance before information about risk is revealed. I explore the role of these factors empirically within the unique institutional setting of the German health insurance system. Using a fuzzy regression discontinuity design to disentangle adverse selection and moral hazard, I find no compelling support for extensive cream-skimming of public option by private insurers despite their ability to fully underwrite risk. A model of demand for private insurance supports the idea that heterogeneity in non-pecuniary preferences and long-term structure of private insurance contracts may be muting cream-skimming in this setting.

  15. Students left behind: the limitations of university-based health insurance for students with mental illnesses.

    PubMed

    McIntosh, Belinda J; Compton, Michael T; Druss, Benjamin G

    2012-01-01

    A growing trend in college and university health care is the requirement that students demonstrate proof of health insurance prior to enrollment. An increasing number of schools are contracting with insurance companies to provide students with school-based options for health insurance. Although this is advantageous to students in some ways, tying health insurance coverage to school enrollment can leave students vulnerable when they are most in need of help. Students whose health insurance is contingent upon their enrollment face significant lapses in coverage when they are required to leave school. This is especially challenging for students with mental illnesses whose treatment needs often go unmet in the absence of that coverage. The limitations in this system must be addressed as an increasing number of universities and students opt for university-based health insurance plans.

  16. Building commissioning as an insurance loss prevention strategy

    SciTech Connect

    Brady, R.C.; Dasher, C.

    1998-07-01

    Insurance companies for design professionals pay millions of dollars in HVAC-related claims each year. DPIC is the second largest insurer of design professionals in North America. Their study of these claims indicates that building commissioning could save significant claim payment dollars. Commissioning--as an integrated, fundamental building/design/construction/operation process improvement--has the potential to improve the design process, the quality of design, and building performance. Improved building performance not only reduces the likelihood of professional liability claims, it also improves owner satisfaction and user productivity, which in turn builds the reputations of architects and engineers. Recognizing that commissioning could improve claims statistics, this design professional insurance company conducted the following studies: (1) a telephone survey of 40 insureds to assess policyholder understanding and interest in building commissioning; (2) focused discussions with two groups of insureds (one group of architects and one of engineers) to get their feedback on the concept of commissioning and potential claims-reduction program options; and (3) an investigation of closed claims files to assess the degree to which commissioning could mitigate claims. This paper will review the results of these studies and discuss the insurance company's plans for promoting commissioning as a loss-prevention strategy for its policyholders.

  17. Assessing early implementation of state autism insurance mandates

    PubMed Central

    Baller, Julia Berlin; Barry, Colleen L; Shea, Kathleen; Walker, Megan M; Ouellette, Rachel; Mandell, David S

    2016-01-01

    In the United States, health insurance coverage for autism spectrum disorder treatments has been historically limited. In response, as of 2015, 40 states and Washington, DC, have passed state autism insurance mandates requiring many health plans in the private insurance market to cover autism diagnostic and treatment services. This study examined five states’ experiences implementing autism insurance mandates. Semi-structured, key-informant interviews were conducted with 17 participants representing consumer advocacy organizations, provider organizations, and health insurance companies. Overall, participants thought that the mandates substantially affected the delivery of autism services. While access to autism treatment services has increased as a result of implementation of state mandates, states have struggled to keep up with the demand for services. Participants provided specific information about barriers and facilitators to meeting this demand. Understanding of key informants’ perceptions about states’ experiences implementing autism insurance mandates is useful for other states considering adopting or expanding mandates or other policies to expand access to autism treatment services. PMID:26614401

  18. 76 FR 71624 - Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-18

    ... AFFAIRS Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance..., Government Life Insurance, VA Form 29-357. OMB Control Number: 2900-0016. Type of Review: Extension of a... disability insurance on National Service Life Insurance and United States Government Life Insurance...

  19. "Insuring" the continued solvency of pharmaceutical companies in the face of product liability class actions.

    PubMed

    Chodock, Rochelle; Yolkut, David; Connolly, Dennis R

    2005-01-01

    Costly product liability lawsuits continue to plague the pharmaceutical industry, and insurance to cover these losses is severely inadequate. Furthermore, questionable regulation of drugs exists once a pharmaceutical has passed FDA approval. This article describes a plan that uses a capitalistic, rather than a governmental, approach to solve both the insurance and the quality control problems. Although the proposed plan has never been used to insure pharmaceutical companies, different permutations of it have been used to insure other litigation-prone industries. Success from the proposed insurance entity results from the combined knowledge of scientists and actuaries to provide both protection from product liability lawsuits for the pharmaceutical industry and enhanced post-market surveillance of pharmaceuticals.

  20. 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.