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- Guide to Health Insurance
- If an individual has ever been sick or injured he will know how important it is to have health coverage. But if he is confused about what kind is best for him, he is not alone. What types of health coverage are available? If your employer offers you a choice...
- White papers
- Pacific Life Insurance Co.: Pacific Life's Life Insurance Division Consolidates E-Mail Servers 86 Percent
- Based in Newport Beach, CA, Pacific Life provides life and health insurance products, individual annuities, mutual funds, group employee benefits, and a variety of investment products and services. Pacific Life's increasing use of e-mail made the company explore ways to increase the performance, reliability, and cost-effectiveness of its messaging solution....
- Case studies
- PacAdvantage: Integration Solution Helps Organization Meet Federal Insurance Requirements
- PacAdvantage is a nonprofit organization that pools health insurance plans from various carriers and offers them to small businesses. To help streamline the data-transmission process, reduce data errors, and come into voluntary compliance with federal health insurance regulations, PacAdvantage worked with Cap Gemini to architect, design, and deploy an integration...
- Case studies
- Best And Worst States For Health-Insurance Costs
- If you're like most small-business operators, the biggest challenge you face - next to simply staying afloat - is providing your employees with health insurance. It's not a problem that figures to disappear. This already significant drain on the bottom line is accelerating at a rate that leaves most other...
- White papers
- A Zero-Injury Workplace
- A mid-sized insurance firm had a major fire in one of its prime real estate properties. The construction firm hired to rebuild the building advised the company that according to their actuality forecasts, one person would die during the reconstruction. First defined an injury as any job-related health threat that...
- Case studies
- A Prescription for Success: Compliance With the Health Insurance Portability and Accountability Act (HIPAA)á
- The paper outlines that HIPAA is in direct conflict with state law. HIPAA requires providers to provide patientsůfree of charge, upon request, once each calendar yearůan accounting of all disclosures of the past six years. Some states allow a handling or copying fee to be charged, and others require more...
- White papers
- Health Alliance Medical Plans: Health Insurance Provider Migrates to Microsoft Integration Solution and Reduces TCO
- Accredited as Excellent by the National Committee for Quality Assurance for 10 years running, Health Alliance Medical Plans administers a wide variety of health plans for more than 245,000 individuals. The cost and difficulty of maintaining its existing application integration engine limited the organization's ability to exchange data securely with...
- Case studies
- Costs of a Medicare Prescription Drug Benefit: A Comparison of Alternatives
- Medicare is the only large health insurance carrier that does not include an outpatient prescription drug benefit. This exclusion is particularly important because the elderly are among the biggest consumers of pharmaceuticals. Medicare beneficiaries comprise 13 percent of the U.S. population, yet account for over 36 percent of total outpatient...
- White papers
- Buying Health Insurance, Cafeteria Style
- This article depicts that in a departure from prepackaged HMO or PPO plans, some major companies are offering employees a chance to tailor their health benefits as they would auto- or homeowners-insurance policies, going through a step-by-step decision process and getting much more involved in the details. Employees with customized...
- White papers
- New Lows in Health Insurance -- Pay More for Drugs, If You Can Afford Them
- The basic social bargain of health insurance -- that we all pay premiums while we're healthy so insurance will cover our costs when we're sick -- has been breaking down for close to two decades. To see how high drug prices are shredding it further, look no further than today's...
- Blog posts 2008-04-14
- The Weight's Over: Should Fat People Pay More for Health Insurance?
- The Weight's Over: Should Fat People Pay More for Health Insurance?I'm all for encouraging healthy behaviourOvereating and smoking are voluntary behaviors, and they are not the tobacco company's or food company's fault. If I were you boss and saw this kind of behavior (always blaming someone else for something...
- Discussion threads 2007-09-13
- The Weight's Over: Should Fat People Pay More for Health Insurance?
- In a previous blog, we questioned whether or not employers should encourage healthy lifestyles to increase productivity. If discounted gym memberships and healthy vending machine alternatives -- no doubt, placed next to Snickers bars -- don't do the trick, new regulations may. Companies can now charge unhealthy overweight...
- Blog posts 2007-09-13
- Cost of Health Insurance vs. Education
- Inflation is clipping at a modest 2.8%; wage growth is slightly lower. But the two things politicians love to talk about -- health insurance and college education -- they're booming! Today we'll see which will win in the figurative boxing ring of rising costs: health or education? To get the...
- Blog posts 2007-09-13
- Deciding Whether to Become a Contract Employee
- “Contract employee” is another way of describing “work portfolio,” a term coined by Irish author and philosopher Charles Handy in his 1989 book The Age of Unreason. Envisioning a new work structure, Handy contended that many professionals were increasingly likely to have not one career with one or two organizations...
- Articles 2007-08-23
- Health Insurance Enrollment Decisions: Preferences for Coverage, Worker Sorting, and Insurance Take Up
- The weak response by the uninsured to policy initiatives encouraging voluntary enrollment in health insurance has raised concerns regarding the extent to which the uninsured value health insurance. To address this issue, data is used from the 2001 Medical Expenditure Panel Survey to examine the association between health insurance preferences...
- White papers 2006-08-01
- Employment and Adverse Selection in Health Insurance
- The authors' construct and test a new model of employer-provided health insurance provision in the presence of adverse selection in the health insurance market. In their model, employers cannot observe the health of their employees, but can decide whether to offer insurance. Employees sort themselves among employers who do and...
- White papers 2006-08-01
- Moral Hazard, Adverse Selection and Health Expenditures: A Semiparametric Analysis
- Theoretical models predict asymmetric information in health insurance markets may generate inefficient outcomes due to adverse selection and moral hazard. However, previous empirical research has found it difficult to disentangle adverse selection from moral hazard in health care. The authors empirically study this question by using data from the Health...
- White papers 2006-08-01
- The Effect of State Community Rating Regulations on Premiums and Coverage in the Individual Health Insurance Market
- Some states have implemented community rating regulations to limit the extent to which premiums in the individual health insurance market can vary with a person's health status. Community rating and guaranteed issues laws were passed with hopes of increasing access to affordable insurance for people with high-risk health conditions, but...
- White papers 2006-08-01
- Love or Money?: Health Insurance and Retirement Among Married Couples
- This paper examines the role of employer provided health insurance in the retirement decisions of dual working couples. The near elderly have high-expected medical expenditures; therefore, availability of health insurance is an important factor in their retirement decisions. It is determined if access to retiree health insurance for early retirement...
- White papers 2006-05-01
- The Effects of Health on Health Insurance Status in Fragile Families
- This paper use data from the Fragile Families and Child Wellbeing study to estimate the effects of poor infant health, pre-pregnancy health conditions of the mother, and the father's health status on health insurance status of urban, mostly unmarried, mothers and their one-year-old children. Virtually all births were covered by...
- White papers 2006-04-01
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