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The Paradox Of Insurance, Gideon Parchomovsky, Peter Siegelman 2020 University of Pennsylvania Law School

The Paradox Of Insurance, Gideon Parchomovsky, Peter Siegelman

Faculty Scholarship at Penn Law

In this Article, we uncover a paradoxical phenomenon that has hitherto largely escaped the attention of legal scholars and economists, yet it has far-reaching implications for insurance law: loss-creation by uninsured parties caused by the presence of insurance. Contrary to the conventional wisdom, we show that insurance can create significant negative externalities by inducing third parties to engage in antisocial, illegal and unethical activities in order to extract money from insureds or insurers. Moreover, as the amount and scope of insurance grows, so does its distortionary effect on third parties. We term this phenomenon the paradox of insurance. The risk ...


Accidental Prehabilitation: A Case Of Increased Exercise Frequency Before Thoracic Surgery, Jennifer Baima, Mark W. Maxfield, Maggie Powers, John M. Varlotto, Karl Uy 2020 University of Massachusetts Medical School

Accidental Prehabilitation: A Case Of Increased Exercise Frequency Before Thoracic Surgery, Jennifer Baima, Mark W. Maxfield, Maggie Powers, John M. Varlotto, Karl Uy

Orthopedics and Physical Rehabilitation Publications

Case Diagnosis: 67 year-old man was found down with dysarthria, dysphagia, and right lower limb weakness. He was diagnosed with left anterior cerebral artery ischemic stroke, acute renal failure, atrial fibrillation, and deep venous thrombosis. He remained hospitalized for months as he did not have insurance for inpatient rehabilitation care and could not be safely discharged home.

Case Description: During that time, he got physical therapy 5 times per week and then 2 times per week. While hospitalized, he was subsequently diagnosed with left upper lobe nodule from T2aN0M0 lung adenocarcinoma. Physical therapy was increased back to 5 times per ...


Private Equity Value Creation In Finance: Evidence From Life Insurance, Divya Kirti, Natasha Sarin 2020 International Monetary Fund

Private Equity Value Creation In Finance: Evidence From Life Insurance, Divya Kirti, Natasha Sarin

Faculty Scholarship at Penn Law

This paper studies how private equity buyouts create value in the insurance industry, where decentralized regulation creates opportunities for aggressive tax and capital management. Using novel data on 57 large private equity deals in the insurance industry, we show that buyouts create value by decreasing insurers' tax liabilities; and by reaching-for-yield: PE firms tilt their subsidiaries' bond portfolios toward junk bonds while avoiding corresponding capital charges. Previous work on affiliated or "shadow" reinsurance and capital management misses the important role that private equity buyouts play as recent drivers of these phenomenon. The trend we document is of growing importance in ...


Uncertainty > Risk: Lessons For Legal Thought From The Insurance Runoff Market, Tom Baker 2020 University of Pennsylvania Law School

Uncertainty > Risk: Lessons For Legal Thought From The Insurance Runoff Market, Tom Baker

Faculty Scholarship at Penn Law

Insurance ideas inform legal thought: from tort law, to health law and financial services regulation, to theories of distributive justice. Within that thought, insurance is conceived as an ideal type in which insurers distribute determinable risks through contracts that fix the parties’ obligations in advance. This ideal type has normative appeal, among other reasons because it explains how tort law might achieve in practice the objectives of tort theory. This ideal type also supports a restrictive vision of liability-based regulation that opposes expansions and supports cutbacks, on the grounds that uncertainty poses an existential threat to insurance markets.

Prior work ...


Hypertension And Diabetes Treatment Affordability And Government Expenditures Following Changes In Patient Cost Sharing In The "Farmacia Popular" Program In Brazil: An Interrupted Time Series Study, Isabel Cristina Martins Emmerick, Monica Rodrigues Campos, Rondineli Mendes. da Silva, Luisa Arueira Chaves, Andrea Damaso Bertoldi, Dennis Ross-Degnan, Vera Lucia Luiza 2020 University of Massachusetts Medical School

Hypertension And Diabetes Treatment Affordability And Government Expenditures Following Changes In Patient Cost Sharing In The "Farmacia Popular" Program In Brazil: An Interrupted Time Series Study, Isabel Cristina Martins Emmerick, Monica Rodrigues Campos, Rondineli Mendes. Da Silva, Luisa Arueira Chaves, Andrea Damaso Bertoldi, Dennis Ross-Degnan, Vera Lucia Luiza

Surgery Publications

BACKGROUND: Increasing medicines availability and affordability is a key goal of Brazilian health policies. "Farmacia Popular" (FP) Program is one of the government's key strategies to achieve this goal. Under FP, antihypertension (HTN) and antiglycemic (DM) medicines have been provided at subsidized prices in private retail settings since 2006, and free of charge since 2011. We aim to assess the impact of sequential changes in FP benefits on patient affordability and government expenditures for HTN and DM treatment under the FP, and examine their implications for public financing mechanisms and program sustainability.

METHODS: Longitudinal, retrospective study using interrupted time ...


Ethical Imperatives Critical To Effective Disease Control In The Coronavirus Pandemic: Recognition Of Global Health Interdependence As A Driver Of Health And Social Equity, George A. Gellert MD, MPH, MPA 2020 San Antonio Texas, USA

Ethical Imperatives Critical To Effective Disease Control In The Coronavirus Pandemic: Recognition Of Global Health Interdependence As A Driver Of Health And Social Equity, George A. Gellert Md, Mph, Mpa

Online Journal of Health Ethics

Ethical imperatives critical to effective disease control in the coronavirus pandemic: Recognition of global health interdependence as a driver of health and social equity

George A. Gellert MD, MPH, MPA

ABSTRACT

Decades into the era of emerging infectious diseases, the 2019-2020 coronavirus pandemic has caught the world, and the United States in particular, poorly prepared to engage effective public health disease prevention and control measures. In part, this reflects poor public health planning, response, logistical preparation and pandemic readiness, and complacency by governments and disease control agencies. In terms of future responses to emerging infection pandemics, these deficiencies can be ...


Harmonizing The Disjointed: Economic Integration And Risk Sharing, Samuel Acheampong 2020 University of Kentucky

Harmonizing The Disjointed: Economic Integration And Risk Sharing, Samuel Acheampong

Theses and Dissertations--Economics

This dissertation consists of three essays examining the role of risk diversification in European markets. At the economy level the first two essays seek to identify whether economic integration efforts among European countries result in sharing risks to consumption with regional neighbors, as opposed to global partners. At the firm level, the third essay seeks to understand whether managers of large companies in the United Kingdom choose less financial leverage if they are specifically compensated with more cash bonus as opposed to other forms of performance incentives.

In Essay 1, I assess the extent to which European countries diversify consumption ...


Brazilian Generics Market Change After Farmacia Popular Program, Andrea Damaso Bertoldi, Luisa Arueira Chaves, Dennis Ross-Degnan, Vera Lucia Luiza, Isabel Cristina Martins Emmerick, Rondineli Mendes da Silva, Monica Rodrigues. Campos 2019 Federal University of Pelotas

Brazilian Generics Market Change After Farmacia Popular Program, Andrea Damaso Bertoldi, Luisa Arueira Chaves, Dennis Ross-Degnan, Vera Lucia Luiza, Isabel Cristina Martins Emmerick, Rondineli Mendes Da Silva, Monica Rodrigues. Campos

Open Access Articles

OBJECTIVE: To evaluate trends in the use of generic and non-generic medicines to treat hypertension and diabetes under the Farmacia Popular Program (FP) and its impact on generic medicines sales volume and market share in the Brazilian pharmaceutical market.

METHODS: This longitudinal, retrospective study used interrupted time series design to analyze changes in monthly sales volume and proportion of medicines sales (market share) for oral antidiabetic and antihypertensive medicines for generic versus non-generic products. Analyses were conducted in a combined dataset that aggregate monthly sales volumes from the Farmacia Popular program and from the QuintilesIMS (IQVIA) national market sales data ...


The Effect Of The 1918 Influenza Pandemic On U.S. Life Insurance Holdings, Dr. Joanna Short 2019 Augustana College, Rock Island Illinois

The Effect Of The 1918 Influenza Pandemic On U.S. Life Insurance Holdings, Dr. Joanna Short

Economics: Faculty Scholarship & Creative Works

This paper examines the effect of a sharp rise in mortality, the 1918 influenza epidemic, on life insurance holdings in the U.S. The BLS Cost of Living Surveys of 1918-1919 provide a unique opportunity to examine the effect of the pandemic—some households were surveyed before, and others during or shortly after the worst of the influenza outbreak. In addition, I use state-level insurance sales data to compare the increase in spending on insurance in states particularly hard hit by the epidemic, relative to those that were not. I find some evidence that, in the immediate aftermath of the ...


"The Healing Of America" And The Next Steps For American Healthcare, Carter A. Hanson 2019 Gettysburg College

"The Healing Of America" And The Next Steps For American Healthcare, Carter A. Hanson

Student Publications

An exploration of three healthcare systems—France, United Kingdom, and Canada—and what can be learned for them. Elements from the three national systems are combined into a proposal for reforming the American healthcare system into a devolved single-payer system.


Un Préstamo Personal Para Financiar Un Gasto Repentino, Pagares Creditos 2019 Bryant University

Un Préstamo Personal Para Financiar Un Gasto Repentino, Pagares Creditos

Pagares Creditos

De vez en cuando, la vida te muestra lo impredecible que puede ser. Tienes un gasto repentino para el que no estabas preparado. Necesitas mucho dinero lo antes posible.
¿Es un préstamo personal la respuesta que necesita? ¿O debería buscar un préstamo sin verificación de crédito ? ¿Cómo puede asegurarse de que está haciendo la mejor elección?
Las respuestas a estas preguntas son diferentes para todos. Y encontrarás el tuyo en la guía a continuación.
Hay 9 preguntas personales esenciales que hacer antes de solicitar un préstamo personal o un préstamo rápido sin verificación de crédito . Haga estas preguntas para averiguar ...


Experiences With The Veterans' Choice Program, Kevin T. Stroupe, Rachael Martinez, Timothy P. Hogan, Elisa J. Gordon, Beverly Gonzalez, Ibuola Kale, Chad Osteen, Elizabeth Tarlov, Frances M. Weaver, Denise M. Hynes, Bridget M. Smith 2019 Loyola University

Experiences With The Veterans' Choice Program, Kevin T. Stroupe, Rachael Martinez, Timothy P. Hogan, Elisa J. Gordon, Beverly Gonzalez, Ibuola Kale, Chad Osteen, Elizabeth Tarlov, Frances M. Weaver, Denise M. Hynes, Bridget M. Smith

Population and Quantitative Health Sciences Publications

BACKGROUND: To address concerns about Veterans' access to care at US Department of Veterans Affairs (VA) healthcare facilities, the Veterans Access, Choice, and Accountability Act was enacted to facilitate Veterans' access to care in non-VA settings, resulting in the "Veterans Choice Program" (VCP).

OBJECTIVES: To assess the characteristics of Veterans who used or planned to use the VCP, reasons for using or planning to use the VCP, and experiences with the VCP.

DESIGN: Mixed-methods.

SUBJECTS: After sampling Veterans in the Midwest census region receiving care at VA healthcare facilities, we included 4521 Veterans in the analyses. Of these, 60 Veterans ...


Best Practices For Member Outreach And Engagement: How Effective Acos Build Understanding And Respect, Jessica Carpenter, Jocelyn Gordon 2019 University of Massachusetts Medical School

Best Practices For Member Outreach And Engagement: How Effective Acos Build Understanding And Respect, Jessica Carpenter, Jocelyn Gordon

Commonwealth Medicine Publications

Targeted strategies and sustained efforts at member outreach and engagement are helping Accountable Care Organizations (ACOs) and their Community Partners (CPs) achieve their shared goals for delivering patient-centered care. The most successful organizations focus on activities designed to create a stronger connection with their members, building trust and a better understanding of individuals’ characteristics and care needs. Positive results of these efforts include successful person-centered care planning, improved compliance with care plans and prescriptions, and implementation of recommended lifestyle changes — changes that help support independent living, reduce medical costs and complications, and drive improvements in member satisfaction.


University Of Massachusetts Medical School Report To Minnesota Department Of Human Services Health And Incarceration Project, Katharine London, Jeremy Tourish 2019 University of Massachusetts Medical School

University Of Massachusetts Medical School Report To Minnesota Department Of Human Services Health And Incarceration Project, Katharine London, Jeremy Tourish

Commonwealth Medicine Publications

On behalf of the Minnesota Department of Health Services, Health Law & Policy experts from our Public and Private Health Solutions group completed a literature review of successful efforts to improve the health of previously incarcerated individuals. In addition, our experts conducted five focus groups to obtain recommendations from experienced professionals who work directly with previously incarcerated individuals regarding interventions likely to improve the health of this unique population.

This study came about at the direction of Minnesota Legislature. They were interested in developing a methodology for paying higher rates to health care providers who provide services to high cost and ...


Valuation And Risk Management Of Some Longevity And P&C Insurance Products, Yixing Zhao 2019 The University of Western Ontario

Valuation And Risk Management Of Some Longevity And P&C Insurance Products, Yixing Zhao

Electronic Thesis and Dissertation Repository

Numerous insurance products linked to risky assets have emerged rapidly in the last couple of decades. These products have option-embedded features and typically involve at least two risk factors, namely interest and mortality risks. The need for models to capture risk factors' behaviours accurately is enormous and critical for insurance companies. The primary objective of this thesis is to develop pricing and hedging frameworks for option-embedded longevity products addressing correlated risk factors. Various methods are employed to facilitate the computation of prices and risk measures of longevity products including those with maturity benefits. Furthermore, in order to be prepared for ...


Present Staffing- Sub Units Within Organizational Unit Report, Blue Cross and Blue Shield of Florida, Inc. 2019 University of North Florida

Present Staffing- Sub Units Within Organizational Unit Report, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Present Staffing- Sub Units Within Organizational Unit Report. Box 46, Folder 566.


Business Card-Frank Ryan, Vp Of Corporate Communications, Blue Cross and Blue Shield of Florida, Inc. 2019 University of North Florida

Business Card-Frank Ryan, Vp Of Corporate Communications, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Business Card-Frank Ryan, VP of Corporate Communications. Box 46, Folder 577.


Autism Spectrum Disorder: Solutions For Improved Care, Virginia Richmond 2019 Germanna Community College

Autism Spectrum Disorder: Solutions For Improved Care, Virginia Richmond

Student Writing

Children that are on the Autism Spectrum are suffering every day because they aren’t receiving the care and treatments that are necessary to thrive in adulthood. Caregivers to those on the spectrum are not handling the stressors of parenting those on the spectrum correctly. Implementing self-care techniques for themselves will have a positive impact on the child. Savant skills and obsessions are a common trait in those with autism, and if these are encouraged and guided, it may lay the foundation for a successful career in the future. It is important that the child have a mentor that can ...


Alpha Insurance: A Predictive Analytics Case To Analyze Automobile Insurance Fraud Using Sas Enterprise Miner (Tm), Richard McCarthy, Wendy Ceccucci, Mary McCarthy, Leila Halawi 2019 Quinnipiac University

Alpha Insurance: A Predictive Analytics Case To Analyze Automobile Insurance Fraud Using Sas Enterprise Miner (Tm), Richard Mccarthy, Wendy Ceccucci, Mary Mccarthy, Leila Halawi

Publications

Automobile Insurance fraud costs the insurance industry billions of dollars annually. This case study addresses claim fraud based on data extracted from Alpha Insurance’s automobile claim database. Students are provided the business problem and data sets. Initially, the students are required to develop their hypotheses and analyze the data. This includes identification of any missing or inaccurate data values and outliers as well as evaluation of the 22 variables. Next students will develop and optimize their predictive models using five techniques: regression, decision tree, neural network, gradient boosting, and ensemble. Then students will determine which model is the best ...


Optimal Social Insurance With Informal Child Care, Christine HO 2019 Singapore Management University

Optimal Social Insurance With Informal Child Care, Christine Ho

Research Collection School Of Economics

The possibility of engaging in household child care may exacerbate the incentives of parents and grandparents to falsely claim disability benefits as households also get to save on formal child care costs. This paper considers a multi-generational family model with persistence in privately observed shocks and presents an efficient implementation case for subsidizing formal child care costs of the disabled. An implementation of the optimal scheme that consists of capped formal day care subsidies, non-linear income taxation and asset-testing is proposed. Simulations based on a parametrization that targets key features of the US labor and child care markets suggest that ...


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