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- Individual Insurance: How Much Financial Protection Does It Provide?
- This paper examines the comparative financial protection provided by individual and group health insurance. Data sources include two national surveys of employer- based health plans and e-health insurance listings for individual coverage on the World Wide Web. The paper further estimates that individual insurance pays on average 63 percent of...
- White papers 2002-04-17
- Health Insurance: Is AARP Looking Out For You?
- AARP?s health and long-term-care insurance policies are rarely the cheapest option, but they are surprisingly competitive, and can be particularly good for people who are not in perfect health. MoneyWatch compared benefits and real-world prices to find the best plans for you. Anyone over the age of 50...
- Articles 2009-10-09
Additional Resources
- Insurers to Employers: Hands Off Those High Deductibles
- Free-market medicine in the form of "consumer-directed healthcare" -- typically involving health plans with high deductibles -- has been tough for many people to swallow. But insurers aren't happy with employers that have tried to limit the financial risks for their employers. The basic idea of high-deductible...
- Blog posts 2008-08-26
- Our Money or Your Life: Indemnities vs. Deductibles in Health Insurance
- If individuals are ignorant of their health status ex ante, they should be willing to purchase insurance fully covering treatments for high-benefit patients Hs and denying treatment for low-benefit patients Ls. But if prognoses are observable but not verifiable, insurers may have trouble denying care to Ls. Deductibles force Ls...
- White papers 2000-08-01
- Texas okays HO deductible options.(state to authorize higher deductibles on homeowners insurance)
- Responding to consumer requests and availability concerns, Texas Insurance Commissioner Elton Bomer has ordered new maximum deductible options for homeowners, and farm policies. The actual premiums for policies with large deductibles will be determineResponding to consumer requests and availability concerns, Texas Insurance Commissioner Elton Bomer...
- Research articles 1995-10-23
- Risk Manager Tells How Xerox Gauged Its Taste For Raising Deductibles
- LISA S. HOWARD LONDON EDITOR Nottingham, England Every company should get a handle on the amount of risk it can retain to determine whether it's feasible to increase deductibles, according to Malcolm Oliver, the group risk manager for Xerox Ltd. XerLISA S. HOWARD ...
- Research articles 1998-04-27
- Risk manager tells how Xerox gauged its taste for raising deductibles.
- Every company should get a handle on the amount of risk it can retain to determine whether it's feasible to increase deductibles, according to Malcolm Oliver, the group risk manager for Xerox Ltd. Xerox Corp. underwent such an exercise in 1995 at ...
- Research articles 1998-04-27
- Florida hurricane victims may get rebates on high insurance deductibles.
- By Henry Pierson Curtis, The Orlando Sentinel, Fla. Knight Ridder/Tribune Business News Aug. 22--Hurricane Charley victims with large insurance deductibles may get help with out-of-pocket expenses from the Federal Emergency Management Agency, officials said Saturday. "Huge deductibles sometimes become...
- Research articles 2004-08-22
- Before the Next Hurricane - Review Your Insurance Policy to See What Coverages and Deductibles You Have
- This paper discusses the insurance coverage for the property losses in hurricanes for the homeowners. Nationally, homeowner insurance rates are going up 8-10 percent. People who live in areas vulnerable to natural disasters are paying more because the risk of significant damage is higher. Rates for homes along the coast...
- White papers 2002-08-23
- New individual health plan from Blue Cross of California eliminates annual deductibles; the convenience of an HMO and the freedom of a PPO
- WOODLAND HILLS, Calif.--BUSINESS WIRE--Aug. 28, 1995--Blue Cross of California, the nation's largest health plan for individuals under 65, announced an innovative health plan for individuals and families that eliminates annual deductibles for in- network services and provides more predictable and affordable co-payments.
- Research articles 1995-08-28
- California Retirement System Doubles Deductibles, Scales Back Drug Benefits.(Knight Ridder/Tribune Business News)
- Dec. 13--In an aggressive attempt to ward off insolvency and shore up the reserves of its two self-insured health plans, the California Public Employees Retirement System has decided to double annual deductibles and substantially scale back drug benefits in 2001. Over the strong objection...
- Research articles 2000-12-12
- NMHC Business Partnership with WLT Software Enables TPAs, Self-Insured to Electronically Manage Combined Medical and Rx Deductibles; A First for the Healthcare Industry and Consumer Directed Health Plan Market
- PORT WASHINGTON, N.Y. & CLEARWATER, Fla. -- Successfully tackling the challenge of automatically tracking the deductibles and co-payments for consumer directed healthcare CDH products, National Medical Health Card Systems, Inc. (Nasdaq: NMHC), in an exclusive partnership with WLT Software of Florida, Inc., has rolled out an electronic co-deductible program. For...
- Research articles 2005-06-21
- MGIC Investment Corporation Q3 2007 Earnings Call Transcript
- Question-and-Answer Session Operator Thank you. [Operator Instructions] Our first question comes from Howard Shapiro. Howard Shapiro - Fox-Pitt Kelton Hi, a couple of questions. Given your new loss guidance for 2008, have you had any discussions with the rating agencies, are they still comfortable with...
- Earnings calls 2007-10-18
- Don't rattle market with new Madrid quake hikes. (Mississippi Valley)(Editorial)
- For the past two years or so, many property-casualty insurers have dramatically increased deductibles on earthquake endorsement coverage for homeowners and businesses in and around the Mississippi Valley. Deductibles that averaged in the 1.5 perc For the past two years or so,...
- Research articles 1998-02-23
- Alliance Imaging, Inc. Q2 2008 Earnings Call Transcript
- Question-and-Answer Session Operator Thank you. Operator instructions Your first question comes from Mark Arnold. Please go ahead. Mark Arnold – Piper Jaffray Good morning, guys. Very, very nice quarter. I guess just to start with, PET/CT utilization looked really strong in the quarter. Is that...
- Earnings calls 2008-09-05
- Pennsylvania Bill Would Help Guaranty Associations
- The Pennsylvania Senate has approved legislation that would help guaranty associations by ensuring that large commercial policyholders whose policies carry large deductibles remain responsible for those deductibles even after the insurer becomes insolvent. The 47-2 vote in the Senate sends the measure, SB 215, to the Pennsylvania House. ...
- Research articles 2004-02-23
- WellPoint, Inc., Q1 2009 Earnings Call Transcript
- Question-and-Answer SessionOperator Thank you. Operator Instructions Your first question comes from the line of Josh Raskin from Barclays Capital. Please go ahead. Joshua Raskin - Barclays Capital Hi, thanks. Good morning. Question is really the high deductible health plans, I guess in this new world that we are speaking...
- Earnings calls 2009-04-22
- EPLI — Status, Opportunities And Concerns
- Although the need for EPLI is greater than ever, several insurers have withdrawn from the market because of inadequate pricing and mounting loss ratios. Still others are tightening underwriting and increasing premiums and deductibles. Because it is a relatively new line of insurance, predicting EPLI losses can be difficult; as...
- White papers 2003-01-01
- Consumer-Directed Health Plans and the RAND Health Insurance Experiment
- Today's consumer-directed health plans, with their high deductibles, bear a strong resemblance to the high-deductible plan of the RAND Health Insurance Experiment HIE, although they come into a post-managed care world. The high deductibles and the tools of managed care should complement each other, the former directed primarily at the...
- White papers 2004-12-01
- Doughnut-Hole Economics
- Both the Medicare prescription drug benefit and a new cohort of consumer-directed health benefit models offer doughnut-shaped insurance coverage with large deductibles that begin around the mean annual spending for enrollees. These policies leave enrollees to bear more risk than policies with equal expected payouts that rely on first-dollar deductibles....
- White papers 2004-12-01
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