Insurance Commons^™

Mda At Your Service: One Way To Free Your Practice From Insurance Plan Restrictions, Rachel Sinacola D.D.S.

The Journal of the Michigan Dental Association

This Q&A-style article provides practical answers to common member questions. Topics include managing in-office dental plans (via Quality Dental Plan), evaluating associate contracts, showcasing MDA membership, handling radiography training course transfers, and understanding patient record retention requirements. The article encourages using MDA-endorsed resources and legal guidance to enhance practice efficiency and compliance.

An Empirical Study On The Economic And Policy Drivers Of Livestock Risk Protection Utilization, Milan Chauhan

Department of Agricultural Economics: Dissertations, Theses, and Student Research

Federally supported risk management programs for livestock producers have existed for the last twenty years. Among these, Livestock Risk Protection (LRP) is a federally subsidized insurance tool available for cattle producers to manage downside price risk. In recent years, participation in LRP has surged. This paper examines the key economic and policy variables that partially drive LRP utilization and analyzes the role of risk management educational efforts in the decision to participate and the intensity of the insurance utilization using unique state-level panel data from 2003 through 2023.

The study analyzes three complementary metrics of insurance utilization: market volume (policies …

Personalized Retention Strategy Optimization Of Auto Insurance Customers Using Churn Prediction Analysis, Sai Charan Kurakula

Electronic Theses, Projects, and Dissertations

Addressing customer churn remains one of the greatest difficulties in the auto insurance sector, frequently caused by unmanaged complaints, service inaction, and insufficient communication regarding the customer’s needs. The goal of this research is to create a framework based on machine learning algorithms that predict whether a customer complaint will be confirmed by the regulatory authority and use this as a proxy to estimate customer churn in the absence of direct cancellation data. Through predicting complaint confirmation, which acts as an indicator of genuine service failure, the model helps in detecting customers with greater risk and aids in formulating individualized …

Where Is Your Crop Insurance Agent? Understanding The Geographical Distribution Of Agents, Cory Walters, Nathan Delay

Cornhusker Economics

Following the modifications to the Standard Reinsurance Agreement (SRA) in 2010, there was limited understanding of the impact of policy changes on agent availability. Our objective is to construct a model of the equilibrium supply of crop insurance agents and to test hypotheses regarding the factors influencing agent concentration, such as commissions, competition, and risk. We developed a theoretical equilibrium model of the federal crop insurance market, which encompasses three tiers: insurance companies, agents, and farmers. The model incorporates key features of the federal program, including government-set premiums and the stipulation that agents cannot refuse coverage or modify premiums for …

The Impact Of High Deductible Health Plans On Mental Health Treatment, Kristian D. Dambrino, Laura Gray, R. David Phillippi

DNP Projects

Background and Rationale: High Deductible Health Plans (HDHPs) are designed to reduce overall healthcare spending by shifting more upfront costs to patients to discourage overutilization of care, yet HDHPs often increase financial burden, particularly in outpatient mental health care. Patients covered by HDHPs often face substantial out-of-pocket costs before reaching their deductible. This can lead to potential delays or discontinuation of psychiatric treatment. Financial transparency interventions by the mental health provider may mitigate these barriers through more-informed patient decision-making regarding payment options. This project evaluates the impact of a financial transparency intervention on reducing payment responsibility for HDHP patients in …

Mda Services: These Three Companies Can Help You Establish Your Own Practice, Reva Darling

The Journal of the Michigan Dental Association

Starting or acquiring a dental practice is a significant but rewarding endeavor. The Michigan Dental Association (MDA) endorses three key companies to assist dentists in this process: Bank of America Practice Solutions for financing, Bridge Commercial Realty for real estate guidance, and PPO Negotiation Solutions for optimizing insurance participation. These vetted partners offer essential support in securing loans, selecting practice locations, negotiating leases, and managing insurance networks, ensuring dentists establish financially sound and sustainable practices.

Mda Insurance: Simple Tips To Improve Your Property’S Insurability, Jeff Spindler Mda Ifg

The Journal of the Michigan Dental Association

The article discusses the importance of proactive home maintenance in maintaining property insurability and managing insurance premiums. It highlights how insurance companies are responding to increased claims from weather events, particularly wind and hail damage in Michigan. The author emphasizes that while insurance covers unexpected damage, it doesn't cover normal wear and tear or deferred maintenance. The piece provides six practical tips for homeowners to reduce risk and prevent insurance claims, ultimately helping to stabilize premium rates.

Cultural Values In The Advertisements Of Islamic And Commercial Insurance Companies: A Comparative Analytical Study Of Social Media Advertisements, Hameed R. Al-Qudaimi

An-Najah University Journal for Research - B (Humanities)

Objective: This study aimed to compare advertisements for Islamic and commercial insurance companies regarding the cultural values used in their advertisements on social media sites like Instagram, X, and YouTube. Method: This study uses content analysis and comparative methods to analyze the content of 300 advertisements during the period of July 1 to September 30, 2023, the study conducted on the Islamic company in Yemen (United Insurance) and the commercial company in Egypt (Allianz). Results: The most important results showed that Allianz was more likely to use individual values, broad influence, avoidance of doubt, masculinity, and long termism, while …

January 15, 2025 — Welcome Letter To Members Of The 119th Congress, American Dental Association

Advocacy in Action letters

No abstract provided.

Evaluation Of Financial Risk Protection Provided By Private Health Insurance In Malaysia, Ng Rui Jie

Student Works (2020-2029)

Private health insurance (PHI) has emerged as an alternative health financing option to public health financing, with the goal of achieving and maintaining universal health coverage. Despite its growing prominence, there is ongoing debate about the extent to which PHI contributes to financial risk protection. In Malaysia, the prevalence of PHI coverage has increased due to factors such as an expanding affluent demographic, government encouragement, and challenges in public healthcare delivery. However, there have been very limited studies assessing the financial risk protection provided by PHI in Malaysia, making this a critical gap that this research aims to address. To …

The Insurance Solution For Financial Advice Failures, Adam J. Gana, Benjamin P. Edwards

Michigan Business & Entrepreneurial Law Review

Solving the retirement savings crisis requires widespread access to reliable financial advice. Yet financial advisers often operate without insurance, collecting fees and commissions from customers and leaving them penniless when substandard advice causes harm. Instituting insurance coverage requirements would protect investors and allow market forces to discipline misconduct. For decades, advocates and regulators have raised awareness about the millions of unpaid arbitration awards each year; an insurance solution would significantly reduce the harm suffered.

This paper aims to create a roadmap to solve the problem. It identifies the problem and maps out the different levers available to policymakers to increase …

Crop Insurance And Weather Risk: Decision Tools And The Effects Of Rising Temperatures In Kentucky, Enil Serrano

Theses and Dissertations--Agricultural Economics

This thesis investigates how rising temperatures and climate variability affect crop insurance decisions and premium rates for corn and soybean farmers in Kentucky. It introduces a new decision-support tool, the "Crop Insurance Decision Maker" (CIDM), which helps producers evaluate the financial trade-offs of various crop insurance products under different risk preferences. The first chapter details the tool’s development, function, and potential to improve farmer understanding of insurance options. The second chapter quantifies how +1°C and +2°C warming scenarios impact yield risk and crop insurance premium rates using 73 years of corn yield data, 51 years for soybean yield, and weather …

Dentistry And The Law: The Difference Between ‘Non-Covered’ Vs. ‘Disallowed’ Services, Daniel Schulte Jd

The Journal of the Michigan Dental Association

The article clarifies the distinction between "non-covered" and "disallowed" services in dental plan audits. Non-covered services are not included in the patient’s dental plan, often due to plan limitations, while disallowed services are covered but deemed non-payable due to issues like claim deficiencies or lack of documentation. Dentists must review their contracts to understand obligations regarding non-covered services and ensure compliance with HIPAA for patient-paid services. For disallowed services, contesting decisions may be possible depending on the agreement with the dental plan.

Safeguard Cyberspace In Ransomware Era: Risk Analysis & Cyber Insurance, Li Huang

Electronic Theses & Dissertations (2024 - present)

The increasing frequency and severity of ransomware attacks pose significant challenges for organizational cybersecurity. Fragmentation across disciplines in cyber defense has created practical gaps in the development of the necessary capabilities needed to address rapidly evolving cyber threats. This study explores the impact of ransomware attacks and the evolving role of cyber insurance as a proactive cybersecurity partner. Bridging the gap between actuarial science and cyber risk management, it proposes an interdisciplinary framework that quantifies the impact of ransomware and integrates cyber insurance into cybersecurity strategies.

The primary contribution of this study is methodology. We present a framework that remains …

A Comparative Study Of Econometric And Deep Learning Models For Forecasting Exchange-Traded Fund Prices In The Thai Market, Witchayut Likhitrattanakon

Chulalongkorn University Theses and Dissertations (Chula ETD)

This study evaluates and compares the forecasting accuracy of ten Exchange-Traded Funds (ETFs) in the Thai market using comprehensive econometric and deep learning models, with Mean Absolute Error (MAE) as the primary performance metric. The research examines DCC-GARCH, CCC-GARCH, standard GARCH-type models and Long Short-Term Memory (LSTM) networks across both raw and processed data environments (from isolation forest and random forest). In the comprehensive model comparison, Univariate LSTM with Real Price input (30 lookback period) achieved the lowest MAE for eight of ten ETFs in raw data and seven of ten in processed data, establishing it as the most effective …

การประยุกต์ใช้การเรียนรู้ของเครื่องร่วมกับดัชนีความเสี่ยงทางภูมิรัฐศาสตร์ในการพยากรณ์ความผันผวนของราคาฟิวเจอร์สสินค้าเกษตร, เจตณัฐ รอดประเสริฐ

Chulalongkorn University Theses and Dissertations (Chula ETD)

การศึกษานี้มีวัตถุประสงค์เพื่อศึกษาผลกระทบของดัชนีความเสี่ยงทางภูมิรัฐศาสตร์ (Geopolitical Risk Index: GPR) ต่อความผันผวนของราคาฟิวเจอร์สสินค้าเกษตร และเพื่อเปรียบเทียบประสิทธิภาพของแบบจำลองทางสถิติและแบบจำลองการเรียนรู้ของเครื่องในการพยากรณ์ โดยใช้ข้อมูลรายเดือนของราคาฟิวเจอร์สข้าวโพดและถั่วเหลืองจากตลาดซื้อขายล่วงหน้าระดับโลก 3 แห่ง ได้แก่ Chicago Mercantile Exchange (CME), Brasil Bolsa Balcão (B3) และ Dalian Commodity Exchange (DCE) ในช่วงเดือนมิถุนายน พ.ศ. 2558 ถึงพฤษภาคม พ.ศ. 2568 แบบจำลองที่ใช้ในการศึกษา ได้แก่ SARIMAX, GARCHX และ Long Short-Term Memory (LSTM) โดยมีดัชนี Geopolitical Risk (GPR), Geopolitical Threats (GPRT), Geopolitical Acts (GPRA), Country-Specific GPR (GPRC) และปริมาณการซื้อขายของสัญญาซื้อขายล่วงหน้าข้าวโพดและถั่วเหลืองเป็นตัวแปรภายนอกในการอธิบายความผันผวนของราคา ทั้งนี้ใช้ค่าความคลาดเคลื่อนเปอร์เซ็นต์สัมบูรณ์เฉลี่ย (Mean Absolute Percentage Error: MAPE) เป็นตัวชี้วัดประสิทธิภาพหลัก ผลการวิจัยชี้ให้เห็นว่าแบบจำลอง LSTM ที่มีการรวมตัวแปรภายนอกนั้นมีประสิทธิภาพมากที่สุดในการคาดการณ์ความผันผวนของราคาฟิวเจอร์สสินค้าการเกษตร โดยในฟิวเจอร์สข้าวโพด แบบจำลอง LSTM (lookback = 12) ให้ผลการคาดการณ์ที่แม่นยำที่สุด ในตลาด CME ตัวแปรภายนอกที่มีประสิทธิภาพสูงที่สุดคือ GPRC BRAZIL ในขณะที่ตลาด B3 มีตัวแปรภายนอกที่ดีที่สุดคือ GPRC USA และสำหรับตลาด DCE ตัวแปรภายนอกที่มีประสิทธิภาพสูงสุดคือ GPRC RUSSIA ขณะที่ในฟิวเจอร์สถั่วเหลือง แบบจำลอง LSTM (lookback = 6) แสดงถึงความแม่นยำสูงสุด โดยตลาด B3 นั้นมีตัวแปรภายนอกที่ได้ผลดีที่สุดคือ GPRA และสำหรับตลาด DCE ตัวแปรภายนอกที่มีประสิทธิภาพสูงสุดคือ GPRC …

Takaful Insurance Industries In Supporting Sustainable Socio-Economic Development In Indonesia, Fera Widyanata, Rasyida Pertiwi, Ahmad Syathiri

Journal of Global Awareness

Over the past four years, the demand for Takaful (Islamic insurance) among Indonesians has risen. Health Takaful has emerged as the most popular, followed by educational Takaful. Health and education are parts of the Human Development Index (HDI) and are closely related to building a stronger foundation for Indonesia's economic development. This study aims to enhance the Islamic finance ecosystem's impact on achieving SDGs, focusing on health (SDG 3), education (SDG 4), and economic growth (SDG 8), which are crucial for Indonesia's development. It discovers a causal relationship between the takaful industry and improvements in the health sector and …

Flood Risks Surge In Unexpected Places, Leaving Americans Unprepared And Uninsured, Genna Y. Contino

Capstones

As weather patterns become more unpredictable, the amount of uninsured property loss is expected to soar – disproportionately impacting communities of color in the U.S. Hurricane Helene, which devastated the western North Carolina mountains, demonstrates this trend. Experts say boosting insurance literacy and updating floodplain maps will better prepare the country as it navigates a changing climate.

https://docs.google.com/document/d/e/2PACX-1vSApu2Io6-IjMynum2d3IakyOV2AZysgayw8f4ypNID6dF0j06vumogvy6tJ9XPvqhXtC76fs8ZHre9/pub

Advocacy Spotlight: Understanding The Mda's Role With Dental Insurance Reimbursement Rates, Daniel Miller D.D.S.

The Journal of the Michigan Dental Association

The Michigan Dental Association (MDA) is dedicated to advocating for members and advancing the dental profession. While federal laws prohibit the MDA from negotiating reimbursement rates with dental insurers, it provides significant support through education, advocacy, and resources.

Key initiatives include enhancing transparency in network leasing, endorsing PPO Negotiation Solutions to help practices optimize contracts, and offering educational programs on billing and coding. The MDA also facilitates peer networking and equips dentists with tools to navigate insurance challenges effectively.

Looking ahead, the MDA remains committed to empowering members through advocacy, guiding future dentists on contract literacy, and fostering a resilient …

Hypertension Screening In Dental Settings And The Need To Address Dental Insurance Literacy, Dorothy Nuckols

Journal of Extension

Extension has an active and dynamic health insurance literacy program with certified educators nationwide, but dental insurance literacy is an unmet need. There is an increasing trend of dental practitioners willing to perform basic preventative health measures, particularly hypertension screening. Lack of insurance literacy is a barrier to screening request and follow-up. Participants in our longitudinal study visited their dentists as regularly as they visited their primary health practitioners. This study shows the need for Extension to add dental insurance literacy to the menu of health insurance literacy programs to impact the prevalence of hypertension.