Insurance Commons^™

Fcn Florida Center For Nursing 2015 Annual Report, Florida Center For Nursing

Florida Blue Archives Printed Materials

No abstract provided.

Rural Disabled Medicare Beneficiaries Spend More Out-Of-Pocket Than Their Urban Counterparts, Erika C. Ziller Phd, Jennifer D. Lenardson Mhs, Andrew F. Coburn Phd

Access / Insurance

The majority of Medicare beneficiaries experience gaps between the care they need and costs covered by Medicare and seek supplemental coverage to meet this gap, including private plans offered by former employers or purchased individually, or public coverage through Medicaid. Since rural beneficiaries are more likely to purchase supplemental indemnity coverage individually, to participate in Medicaid, or to go without supplemental coverage altogether, it is likely that their out-of-pocket spending differs from that of urban residents, although the magnitude and direction of these differences may vary for individual beneficiaries. This study used data from the 2006-2010 Medical Expenditure Panel Survey …

Event Program: American Cancer Society Ceos Against Cancer Florida Chapter 2015 Meeting, American Cancer Society

Florida Blue Archives Printed Materials

No abstract provided.

Medicare Secondary Payer And Settlement Delay, Eric Helland, Jonathan Klick

All Faculty Scholarship

The Medicare Secondary Payer Act of 1980 and its subsequent amendments require that insurers and self-insured companies report settlements, awards, and judgments that involve a Medicare beneficiary to the Centers for Medicare and Medicaid Services. The parties then may be required to compensate CMS for its conditional payments. In a simple settlement model, this makes settlement less likely. Also, the reporting delays and uncertainty regarding the size of these conditional payments are likely to further frustrate the settlement process. We provide results, using data from a large insurer, showing that, on average, implementation of the MSP reporting amendments led to …

Disparities In Hospital Services Utilization Among Patients With Mental Health Issues: A Statewide Example Examining Insurance Status And Race Factors From 1999-2010, Viann N. Nguyen-Feng, Hind A. Beydoun, Michael K. Mcshane, James D. Blando

Community & Environmental Health Faculty Publications

There exist many disconnects between the mental and general health care sectors. However, a goal of the Affordable Care Act (ACA) of 2010 is to change this by improving insurance access and the intersection of mental and general health care. As insurance status intersects with race, the present study examines how race, insurance status, and hospital mental health services utilization differ across groups within the state of New Jersey. The present study aims to determine trends in hospital mental health care utilization by insurance status and race from 1999 to 2010. The rate of self-pay for mental health disorders in …

The Implications Of Self-Driving Cars On Insurance, Amanda Lobello

Honors Projects in Mathematics

Self-driving cars, also known as autonomous vehicles, are being researched and tested by automakers, technology industry leaders, and other institutions. Lawmakers and politicians are discussing the legislation that will affect the fate of such technology. Primary benefits include safety, mobility, free time, less traffic, and green effects. However, there are also obstacles to the implementation of self-driving vehicles including consumer acceptance, legal liability, and cost. With the potential shift in responsibility from driver to automaker, rating factors for insurance may change, weighing more heavily on the model of the car as a factor. The fate of auto insurance is in …

Investment Strategies Amongst Property And Casualty Insurance Companies, Ryan J. Conforti

Honors Scholar Theses

The purpose of this work is to take an in-depth look into the investment side of property and casualty insurance. Many P&C companies have thrived over the past century, and much of this success can be attributed to investment income. This thesis will examine how investment philosophy changes from firm to firm, while also looking at how strategies have changed over time. It will also look into the insurance “float,” and examine how investors such as Warren Buffett have utilized this instrument to their favor. Investing is a huge aspect of property and casualty insurance, and this piece will give …

Time To Lift The Veil Of Inequality In Health Care Coverage: Using Corporate Law To Defend The Affordable Care Act, Seema Mohapatra

Faculty Scholarship

No abstract provided.

An Assessment Of The Performances Of Several Univariate Tests Of Normality, James Olusegun Adefisoye

FIU Electronic Theses and Dissertations

The importance of checking the normality assumption in most statistical procedures especially parametric tests cannot be over emphasized as the validity of the inferences drawn from such procedures usually depend on the validity of this assumption. Numerous methods have been proposed by different authors over the years, some popular and frequently used, others, not so much. This study addresses the performance of eighteen of the available tests for different sample sizes, significance levels, and for a number of symmetric and asymmetric distributions by conducting a Monte-Carlo simulation. The results showed that considerable power is not achieved for symmetric distributions when …

Policyholder Exercise Behavior In Life Insurance: The State Of Affairs, Daniel Bauer, Jin Gao, Thorsten Moenig, Eric R. Ulm, Nan Zhu

Risk Management and Insurance Faculty Publications

The paper presents a review of structural models of policyholder behavior in life insurance. We first discuss underlying drivers of policyholder behavior in theory and survey the implications of different models. We then turn to empirical behavior and appraise how well different drivers explain observations. The key contributions lie in the synthesis and the systematic categorization of different approaches. The paper should provide a foundation for future studies, and we describe some important directions for future research in the conclusion.

Rural Implications Of Medicaid Expansion Under The Affordable Care Act, Erika C. Ziller Phd, Jennifer D. Lenardson Mhs, Andrew F. Coburn Phd

Medicaid

In this brief, researchers from the Maine Rural Health Research Center (University of Southern Maine, Muskie School of Public Service) present findings from a SHARE-funded evaluation of the rural implications of Medicaid expansion under the ACA.

The authors examine the following issues:

• The extent to which prior public health insurance expansions have covered rural populations
• Whether rural residents who are expected to be newly eligible for Medicaid in 2014 differ from their urban counterparts
• The extent to which rural individuals might differentially benefit from the ACA Medicaid expansion in light of the expansion becoming optional
• Whether rural enrollees are likely …

The Effect Of Labor Income And Health Uncertainty On The Valuation Of Guaranteed Minimum Death Benefits, Jin Gao, Eric R. Ulm

Risk Management and Insurance Faculty Publications

We examine the effect of labor income and health uncertainty on the optimal choices of policyholders with Guaranteed Minimum Death Benefits embedded in Variable Annuities. These choices are determined in the context of a utility-based life cycle model including bequest motives and optimal term life purchases. We then determine risk-neutral prices from the perspective of the issuing financial institutions. In contrast to previous studies which do not include income and health uncertainty, we find that very risk-averse policyholders in weak job markets would be willing to pay the risk-neutral price in order to receive these benefits. This occurs because an …

On The Interaction Between Transfer Restrictions And Crediting Strategies In Guaranteed Funds, Eric R. Ulm

Risk Management and Insurance Faculty Publications

Guaranteed funds with crediting rates for fixed periods determined by a Pension Provider or Insurance Company are common features of accumulation annuity contracts. Policyholders can transfer money back and forth between these accounts and Money Market accounts which give them features similar to demand deposits and yet they frequently credit a higher rate than the Money Market. Transfer restrictions are commonly employed to prevent arbitrage. In this paper, we model the interaction between company and policyholder as a multiperiod game in which the company maximizes risk-neutral expected present value of profits and the policyholder maximizes his expected discounted utility. We …

Brochure: Clinisanitas: A World Of Health, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

No abstract provided.

2015 Annual Corporate Social Responsibility Report, Florida Blue Foundation

Florida Blue Archives Printed Materials

Annual company report to the community for 2015 detailing Florida Blue Foundation charitable initiatives, community involvement, business operations, financial assets and expenditures, and executive leadership.

Event Invitation: American Cancer Society Ceos Against Cancer Florida Chapter 2015 Meeting, American Cancer Society

Florida Blue Archives Printed Materials

No abstract provided.

Model All-Payer Claims Database Legislation, Lucy Hodder, Jo Porter, Ashley Peters

Law Faculty Scholarship

With support from the Gary and Mary West Health Policy Center, the APCD Council has developed model legislation guidance for states to develop all-payer claims database legislation.

United Way Award To Florida Blue For Its Contributions To The 2015 Campaign, United Way

Florida Blue Archives Printed Materials

No abstract provided.

Liability Insurer Data As A Window On Lawyers’ Professional Liability, Tom Baker, Rick Swedloff

All Faculty Scholarship

Using the best publicly available data on lawyers’ liability claims and insurance – from the largest insurer of large law firms in the U.S., the American Bar Association’s Standing Committee on Professional Liability, and a summary of large claims from a leading insurance broker–this article reports the frequency of lawyers’ liability claims, the distribution and cost of claims by type of practice, the disposition of claims, and lawyers liability insurance premiums from the early 1980s to 2013. Notable findings include remarkable stability over thirty years in the distribution of claims by area of practice among both small and large firms, …

Priority-Setting, Cost-Effectiveness, And The Affordable Care Act, Govind Persad

Georgetown Law Faculty Publications and Other Works

The Affordable Care Act (ACA) may be the most important health law statute in American history, yet much of the most prominent legal scholarship examining it has focused on the merits of the court challenges it has faced rather than delving into the details of its priority-setting provisions. In addition to providing an overview of the ACA’s provisions concerning priority setting and their developing interpretations,this Article attempts to defend three substantive propositions.

First, I argue that the ACA is neither uniformly hostile nor uniformly friendly to efforts to set priorities in ways that promote cost and quality.

Second, I argue …