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State Of Florida Employees Group Health Self-Insured Program, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

State of Florida Employees Group Health Self-Insured Program.

Spectrum Of Insurer/Managed Care Options- The Boston Consulting Group, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Spectrum of Insurer/Managed Care Options- The Boston Consulting Group.

Marketing Education & Development Winter 1994, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Winter 1994 quarterly newsletter published to inform, update and inspire the BCBSF marketing staff.

Compass: Charting The Course For Business Conduct, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

1994 Compass Program guide to Blue Cross and Blue Shield of Florida’s business conduct policies. Attachments included: Compass Program Education TGO; Compass Program Education TGO with personal notes; Questions and Answers; On Course with Compass stickers; Employee Contacts for the Compass Program magnet.

Journal Of Actuarial Practice, Volume 2, No. 1, 1994, Colin Ramsay , Editor

Journal of Actuarial Practice (1993–2006)

ARTICLES

Health Insurance Reform and its Effects on the Small Employer Market: A Review of H.R. 3626 • P. Anthony Hammond

An Introduction to Individual Disability Income Insurance • Mark J. Chartier

Cost Containment in Workers' Compensation: Evaluating Medical Fee Schedules • David L. Durbin and Barry I. Llewellyn

The Markov Chain Interest Rate Scenario Generator Revisited • Sarah L.M. Christiansen

Managing the Costs and Risks of Housing Finance: A New Role For Actuaries • Anthony Asher

Reconciling Two Rate Level Indications: A Chain Rule Approach • Cheng-Sheng Peter Wu

Tax Assistance to Qualified Retirement Savings Plans: Deferral or Waiver? …

A Time To Remember: Toys For Tots 20th Annual Variety Show, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Toys for Tots 20th Annual Variety Show program. Circa 1994.

Fast Facts About Health Options, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Fast Facts About Health Options.

Journal Of Actuarial Practice, Volume 2, No.2, 1994, Colin Ramsay , Editor

Journal of Actuarial Practice (1993–2006)

ARTICLES

Disenrollment Patterns of Elderly in Managed Care and Fee for Service • Kenneth G. Manton, H. Dennis Tolley, Robert Newcomer, James C. Vertrees, and Charlene Harrington

Modeling Insurance Cash Flows for Universal Life Policies • Robert E. Hoyt

Modal Premium Factors in Ordinary Life Insurance • James B. Ross and Criss G. Woodruff

Predicting Automobile Insurance Multi-Regional Base Pure Premiums • Edward Nissan and Iskandar S. Hamwi

A Statistical Approach to IBNR Reserves • Bradford S. Gile

Safety First and Ambiguity • Lawrence A. Berger and Howard Kunreuther

Discussion of Robert L. Brown's "Tax Assistance to Qualified Retirement Savings …

Disenrollment Patterns Of Elderly In Managed Care And Fee For Service, Kenneth G. Manton, Dennis H. Tolley, Robert Newcomer, James C. Vertrees, Charlene Harrington

Journal of Actuarial Practice (1993–2006)

As the trend to provide health care through managed care facilities increases, the need to examine ,vhy insured individuals voluntarily terminate managed care coverage grows. Voluntary termination of coverage, or dis enrollment, has both social and fiscal implications. Particularly among the elderly, patterns of disenrollment likely are related to self assessment of care needs and levels of health. In this paper we examine the patterns of dis enrollment among elderly enrollees as a function of health status and disability. We focus on disenrollment patterns from an experimental prepaid extended care facility, called a social HMO (S/HMO) and compare this pattern …

Cost Containment In Workers' Compensation: Evaluating Medical Fee Schedules, David L. Durbin, Barry I. Llewellyn

Journal of Actuarial Practice (1993–2006)

Medical expenditures in workers' compensation programs have been subjected to few cost containment strategies. As workers' compensation costs have escalated, however, increasing attention is being given to the role of medical fee schedules in containing the prices of medical services. To this end, we develop a model for estimating the potential cost savings from implementing medical fee schedules. A market basket of medical services received by injured workers is constructed. This basket is used to estimate the parameters of the model. In addition, the basket is used to determine the impact of imposing a fee schedule linked to usual and …

The Markov Chain Interest Rate Scenario Generator Revisited, Sarah L.M. Christiansen

Journal of Actuarial Practice (1993–2006)

This paper furthers the development of the Markov chain interest rate generator. Though the basic technique remains essentially unchanged, there are still many significant changes to the model. For example: (i) the long (key) rates are now are generated by a mean reversionary process; (ii) the number of shapes is increased from seven to 11; (iii) the limitation of changing by only two shape codes per year is removed; and (iv) the random walk matrix that determines the shapes is revised to be more realistic. An algorithm is developed to determine the shape code of the original yield curve, thus …

An Introduction To Individual Disability Income Insurance, Mark J. Chartier

Journal of Actuarial Practice (1993–2006)

There are several actuarial software packages purporting to calculate expected benefit cash flows on disability income insurance policies. To the author's knowledge, however, there is no published text that explains how to perform these calculations. This paper is intended to fill this gap in the literature. It describes some of the more common techniques for pricing disability income insurance. Those techniques for which claim costs can be used and those for which the pricing actuary must project cash flows are identified.

Tax Assistance To Qualified Retirement Savings Plans: Deferral Or Waiver?, Robert L. Brown

Journal of Actuarial Practice (1993–2006)

There exist significant tax incentives for retirement savings plans in Canada and the United States. Qualified employer and employee contributions, within limits, are tax deductible to the employer and nontaxable to the employee. Also, investment income is not taxed until taken. On the other hand, monies received from funds having such tax incentives are taxable in full as income to the recipient when taken. This paper analyzes the two tax advantages of qualified retirement savings plans: the tax deductibility of contributions and the nontaxation of investment income until it has been distributed. The algebraic analysis shows that the deductibility of …

"Tax Assistance To Qualified Retirement Savings Plans: Deferral Or Waiver": Author's Reply To Previous The Discussion*, Robert L. Brown

Journal of Actuarial Practice (1993–2006)

No abstract provided.

Safety First And Ambiguity, Lawrence A. Berger, Howard Kunreuther

Journal of Actuarial Practice (1993–2006)

There is considerable empirical evidence suggesting that ambiguity (i.e., parameter risk) impacts pricing decisions by actuaries and underwriters and their desire to provide coverage. Stone proposed a safety first model of choice that provides a possible explanation for this behavior. This paper analyzes Stone's proposed stability and survival constraints and compares the results with those predicted by expected utility theory. The analysis is motivated by insurers' increasing reluctance to provide coverage for certain specific risks such as earthquake damage insurance where the probability of loss is ambiguous. We show that such behavior is consistent with safety first but is difficult …

Reconciling Two Rate Level Indications: A Chain Rule Approach, Cheng-Sheng Peter Wu

Journal of Actuarial Practice (1993–2006)

The problem considered is that of reconciling two rate level indications that are based on several common factors, but have been made at different review periods. A popular approach to this problem is the so-called sequential replacement method, which calculates the impact of each individual factor. Unfortunately, this method has a serious deficiency: the estimated impact of a factor depends upon the order of the replacement. To counteract this defect, a new approach, called the chain rule approach, is developed. Using this approach, an explicit formula is given for calculating the impact and the marginal impact of each factor.

Profile Vol: 42 No: 13 December 17, 1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

December 17, 1993 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida.

Statement On Reimbursement, 12/9/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release about a statement on reimbursement from December 9, 1993.

Profile Vol: 42 No: 12 December 7, 1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

December 7, 1993 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida.

Florida Trends, “New Strength In The Shield.”, Rosalind Resnick

Florida Blue Archives Printed Materials

No abstract provided.

Media Advisory: Area Students To Get Tips On Bicycle Safety, 10/25/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A media advisory about Area Students to get tips on Bicycle Safety from October 25, 1993.

Profile Vol: 42 No: 11 October 25, 1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

October 25, 1993 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida.

Fact Sheet: Florida’S Senior Population, 10/20/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A fact sheet about Florida's senior population from October 20, 1993.

Blue Cross And Blue Shield Of Florida To Sponsor Total Wellness After 65-A Senior’S Symposium, 10/20/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about the company sponsoring Total Wellness After 65-A senior's Symposium from October 20, 1993.

Founder Of Aerobic Exercise And International Health Expert-Dr. Kenneth Cooper-Keynote Speaker, Controlling Health Care Costs Through Wellness Programs, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Media Advisory: Founder of Aerobic Exercise and International Health Expert-Dr. Kenneth Cooper-Keynote speaker, Controlling Health Care Costs Through Wellness Programs, 10/19/1993, with attachment: About Dr. Kenneth H. Cooper, M.D.

Media Advisory: Blue Cross And Blue Shield Of Florida To Introduce Hmo In Lee County, 10/15/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A media advisory from BCBSF about HMO being introduced in Lee county from October 15, 1993.

Blue Cross Blue Shield Of Florida Total Wellness After 65, 10/12/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF total Wellness after 65 from October 12,1993.

Broadcast Psa On Health Symposium, 10/12/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A Broadcast PSA on a Health Symposium from October 12, 1993.

Profile Special United Way Issue Vol: 42 No: 10 October 11, 1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

October 11, 1993 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida. Special United Way Issue.

Blue Cross Y Blue Shield De Florida Declaracian En La Propsicion Del Cuidado De Salud, 9/28/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release in Spanish from BCBSF about President Clinton from September 28, 1993.