...qwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwer...
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...Health Care Spending Analysis Y Grand Canyon University: HCA-530 November 19, 2014 Health Care Spending Analysis Health care spending in the United States has been on a steady rise with no signs of slowing down. It is also the highest among developed countries in the world. Although Americans spend the most on health care, this does not translate into the best care available. Many developed countries outrank the U.S. in quality and access of care. Before the Affordable Care Act came along, many individuals and families would forgo purchasing insurance premiums due to the high costs and only utilize emergency rooms when in need of care. Health care reform ideally will address the millions who are without health insurance and provide a higher standard quality of care. The reform of the health insurance system aims to reduce national spending by making changes to the law to incentivize health care providers and organizations to reduce unnecessary spending and focus on increasing access to meet the new demand of the newly insured. Profit vs. Non-Profit Consider for a moment that the majority of health services spending is done by non-profits. These same non-profit organizations are now held to a higher standard, specifically, what exactly they are doing to serve the underserved in their local markets. Recent healthcare reform is a mixed blessing for non-profit and for profit hospitals. Over 30 million Americans previously uninsured Americans will now have the ability...
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...Microinsurance delivery channels Insurance culture can be developed by two important elements, understanding and trust. To be able to be aware of the positive effects of MI people need to be able to understand the product and to identify the need for it .As Michal Matul of MI innovations facility clearly explains some of the barriers,’ In most of the developing countries , low income clients think they do not need insurance they do not trust insurance , they do not understand fully the risk pooling concept and strongly believe that the insurance is just for the rich and they do not have enough resources to pay for it’ A variety of channels are needed to reach the target groups largely depending on the literacy levels of our future customers. Religious institutions: Many religious institutions have been in the market specially in sub-Saharan Africa for funeral insurance and South Asia for savings services.A few examples are as follows: Takaful/Indonesia: An Islamic insurance system:Takaful meaning joint guarantee in Arabic complies with the Arabic law. Interest rates, gambling, uncertainty of profits and losses are avoided as they are deemed unislamic.Growth rate was 5% 2004-2007 according to Swiss Re.Allianz Indonesia ‘Payung Keluarga’(family umbrella) offers a microtakaful life insurance which is distributed through MFI’s to its lenders which provides coverage in case of the death of a bread winner. According to the study done by the insurance provisions in the world’s...
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...gov). Even though this program is not income specific, it does help more low income people and individuals who have bad health issues and it is also a target for political battles (Tietelbaum & Wilensky, 2014).There are Republicans who are opposed to Obamacare and want to run Medicare their way. Then there are Democrats who want the program ran another way. They are in favor of Obamacare and see a positive outcome now and in the future. As for the public, the divide among politicians is equally the same amongst Americans. There are individuals who are in favor of Obamacare and there are others who are opposed to it. There are the hospitals and its doctors and staff who will be affected through the number of patients seen and Medicare payments, to name a couple. Overall, Obamacare gives consumers the power to regulate their own healthcare needs (hhs.gov). It allows healthcare beneficiaries...
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...providing new health insurance coverage, the ACA implemented several components that can expand access to health care. One policy change will allow single adults, who are in school to remain on their parents’ insurance until they are 26. Another policy prevents denying children health insurance due to pre-existing conditions, this same protection will be provided to adults beginning in 2014. Rural communities are now expected to have greater access to health care as a result of increased payments for physicians willing to relocate. Additionally, the National Health Service Corps expanded to provide more health care providers to underserved areas. Community health centers are also expanding to provide care to those with little or no income. As an incentive the government is also offering tax credits to small business owners in order to make health coverage more affordable for their employees. One aspect of the ACA covers preventative care services without out-of pocket expenses through co-payment, co-insurance, or deductibles. The aim is to decrease health care cost through prevention, early treatment, and detection. Examples include mammograms, colonoscopies, cervical cancer screening, HIV testing, well woman visits, obesity screening and counseling, and immunizations (U.S. Department of...
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...Pros & Cons of Cutting the Phone Line Other Things to Consider Pros: Cost: Most wire line phone companies charge more than what you'd pay for most alternatives, and they are taxed more as well. There are some locations where getting new wired phone service is prohibitively expensive or even impossible. Long Distance and extra features like Call Waiting are normally included with alternative phones. These calling features aren't regulated so they can be very pricey. More Features: Cellular and broadband phones normally include Long Distance, Voice Mail, Caller ID, Call Forwarding and more, usually at no additional charge. They also have Text Messaging and various forms of data service which are unavailable with most landlines. Portability: If you move your home more than average (or if it's on wheels), your phone and your number can stay with you. There are no "installation" charges. Temporary Usage: You can have phone service for the season in a vacation home or cabin or on an extended stay at a hotel or home of a friend or relative without installing a separate line. Fewer Telemarketers: Nuisance calls are reduced because telemarketers want to target customers in certain geographic areas. With cellular and broadband phones they won't know where you are. Most Telco’s provide your landline number to telemarketers. With cellular it's illegal...for now. With broadband, it depends on the carrier who sets up your number. Internet Access: Your wireless...
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...UNIT LINKED INSURANCE PLAN (ULIP) Definition, Working principle, Comparison with Term Plan & Mutual Funds, Benefits & Shortcomings of ULIP, IRDA Guidelines of 2010 & their Impact, Summary DEFINITION * A Unit Linked Insurance Plan (ULIP) is a product offered by insurance companies that unlike a pure insurance policy gives investors the benefits of both insurance and investment under a single integrated plan. * This is an insurance policy that combines life insurance, with investing in the market. * As these investments in the market perform, the investor gets her returns. Several pension plans, child plans or retirement plans are actually ULIPs, in that they follow the same philosophy of investing money in the markets. HISTORY * The first ULIP was launched in India in 1971 by Unit Trust of India (UTI). * With the Government of India opening up the insurance sector to foreign investors in 2001 and the subsequent issue of major guidelines for ULIPs by the Insurance Regulatory and Development Authority (IRDA) in 2005, several insurance companies forayed into the ULIP business leading to an overabundance of ULIP schemes being launched to serve the investment needs of those looking to invest in an investment cum insurance product. WORKING PRINCIPLE * A ULIP is basically a combination of insurance as well as investment. * A part of the premium paid is utilized to provide insurance cover to the policy holder while the remaining portion...
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...Links between Ghoshal's article, Agency Theory and the 2008 Global Recession. We are all too familiar with the mayhem caused by the global financial crisis; we are still recovering from the after effects of this mayhem. In this essay I will try to investigate the relationships between the Agency theory, Ghoshal’s article on how bad management theories are destroying good management practices and the Global Financial Crisis of 2008. I will start off by introducing the Agency theory and looking at some of its pros and cons, then I will go on to relate the theory to the causes of the global financial crisis of 2008 and finally show how some of the actions based on the Agency theory could have been the foundations of the meltdown. I will then talk about how Ghoshal, in his article, talks about the complete amoral education and scientific measurement methods of the new age management schools which are fueling an ever increasing mistrust between the stakeholders and management. “Agency Theory concerns how two parties in a contractual relationship may interact depending on their attitude towards risks and whether their individual goals align” (Jon Tan, 2009). The agency theory sees two problems that can occur in an agency relationship where one party (stakeholder) delegates work to the agent. The first problem arises when the desired goals of the principal (stakeholder) are not aligned with those of the agent and it is difficult or expensive for the principal to verify what the...
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...Overview………………………………………………………2 2.0 Scope of Coverage and Pricing Policy 3 2.1 Scope of Coverage………………………….…………………3 2.2 Pricing Policy…………………………………………………7 3.0 Relation to Current Practice in Malaysia 11 4.0 The Growth of Individual Health Insurance 15 5.0 References………………………………………………….……….19 1.0 Overview and Objectives 1.1 Overview Commercial Property Insurance (CPI) is an insurance that is used to cover risk of loss to an organization’s properties. Business owners can buy commercial property insurance regardless of whether they own, rent, or lease a building. Commercial Property Insurance provided either replacement cost coverage, actual cash value coverage, or a combination of both. Replacement cost coverage is to cover the payment of replace your property with new property while actual cash value coverage is to pay the replacement cost of the property minus depreciation. Although replacement cost coverage is more expensive than actual cash value coverage, it might better ensure that your business fully recovers after a significant loss. Commercial Property Insurance distribute to few parts, it included Fire Insurance, Fire Consequential Loss, Burglary & Robber Insurance, Plate Glass Insurance, Employer Liability and Public Liability. Fire insurance is an insurance that covers damage or loss caused by fire, lightning and domestic gas explosion. It can be extended to cover extraneous...
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...Social Responsibility Strategy for Metropolitan Hospital Every industry has the duty to do the right thing, or be socially responsible, but this is especially true in healthcare where the very foundation is preserving life and doing no harm. This report will consider environmental, ethical leadership, organizational viability and legal aspects pertaining to Metropolitan Hospital and make recommendations for a corporate social responsibility (CSR) strategy in each area. A.1. Environmental Considerations and Recommendations Healthcare has a tremendous impact on the environmental footprint. Consider the amount of waste the healthcare industry produces; the EPA estimates that hospitals produce 7000 tons of waste per day (Sustainable Healthcare, n.d.). This waste includes regulated medical waste (infectious, biohazardous or red bag waste), solid waste, hazardous waste, recycling, pharmaceutical waste and construction or demolition debris. Some of these wastes have a direct effect on global warming by releasing harmful greenhouse gases into the atmosphere. Harmful greenhouse gases (GHG) that hospitals produce include carbon dioxide, methane, nitrous oxide and fluorinated gases such as sevoflurane, isoflurane and desflurane. Incineration and landfill disposal of solid waste causes carbon dioxide to be emitted into the atmosphere. Methane, with six times the global warming capacity of carbon dioxide, is also a by-product of landfills. Nitrous oxide and fluorinated gases are common...
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...Implementing Successful Transitional Care: A structured move from Acute to Sub-Acute or Ambulatory Care Introduction Transitional care is defined as a set of actions designed to ensure the coordination and conti- nuity of health care as patients transfer between different locations or different levels of care. Representative locations include (but are not limited to) hospitals, sub-acute and post-acute nursing homes, the patient’s home, primary and specialty care offices, and long-term care fa- cilities. Transitional care is based on a comprehensive plan of care and the availability of health care practitioners who are well-trained in chronic care and have current information about the patient’s goals, preferences, and clinical status. It includes logistical arrangements, education of the patient and family, and coordination among the health professionals involved in the transition. Transitional care, which encompasses both the sending and the receiving aspects of the transfer, is essential for persons with complex care needs.1 Contents 1 Introduction 1 Historical Problems 2 Attempted Solutions 3 AmerisourceBergen Solution 3 Benefits 5 Outcomes 5 Summary Historical Problems with Transitional Care Despite considerable attention focused on improving 30-day readmission rates to hospitals, only modest change has been achieved according to the Centers for Medicare & Medicaid Services (CMS). Medicare Readmission Penalties Max Penalty 278 Hospitals ...
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...KING SAUD UNIVERSITY NURSING COLLEGE MASTER PROGRAM 502 NUR HEALTH CARE DELIVERY SYSTEM Health care system Environment Presented by :EIDAH ALHARTHI, Supervised by : Dr. MELENA Outline : * Introduction * Goals of health care system. * The scope and size of healthcare system. * The basic functions of healthcare system: financing; insurance; payment; delivery (Providers). * Health care system: * A health care delivery system is a mechanism for providing services that meet the health-related needs of individuals. * Goles of health care system: * There are two key objectives of a health care delivery system: * To provide universal access and to deliver services that are cost-effective. * To meet pre-established standards of quality. * Health care services in Saudi Arabia have been given a high priority by the government. During the past few decades, health and health services have improved greatly in terms of quantity and quality. * HOW !! * Gallagher has stated that: “Although many nations have seen sizable growth in their health care systems, probably no other nation (other than Saudi Arabia] of large geographic expanse and population has, in comparable time, achieved so much on a broad national scale, with a relatively high level of care made available to virtually all seg- ments of the population. * According to the World Health Organization (WHO) , the Saudi health care system is ranked 26th among 190 of...
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...Introduction to Data Warehousing and Business Intelligence Slides kindly borrowed from the course “Data Warehousing and Machine Learning” Aalborg University, Denmark Christian S. Jensen Torben Bach Pedersen Christian Thomsen {csj,tbp,chr}@cs.aau.dk Course Structure • Business intelligence Extract knowledge from large amounts of data collected in a modern enterprise Data warehousing, machine learning Acquire theoretical background in lectures and literature studies Obtain practical experience on (industrial) tools in practical exercises Data warehousing: construction of a database with only data analysis purpose • Purpose Business Intelligence (BI) Machine learning: find patterns automatically in databases 2 •1 Literature • Multidimensional Databases and Data Warehousing, Christian S. Jensen, Torben Bach Pedersen, Christian Thomsen, Morgan & Claypool Publishers, 2010 • Data Warehouse Design: Modern Principles and Methodologies, Golfarelli and Rizzi, McGraw-Hill, 2009 • Advanced Data Warehouse Design: From Conventional to Spatial and Temporal Applications, Elzbieta Malinowski, Esteban Zimányi, Springer, 2008 • The Data Warehouse Lifecycle Toolkit, Kimball et al., Wiley 1998 • The Data Warehouse Toolkit, 2nd Ed., Kimball and Ross, Wiley, 2002 3 Overview • • • • Why Business Intelligence? Data analysis problems Data Warehouse (DW) introduction DW topics Multidimensional modeling ETL Performance optimization 4 •2 What is Business Intelligence (BI)? • From...
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...CONTROLLING HEALTH CARE COSTS WHILE PROMOTING THE BEST POSSIBLE HEALTH OUTCOMES American College of Physicians A White Paper 2009 Controlling Health Care Costs While Promoting the Best Possible Health Outcomes Summary of Position Paper Approved by the ACP Board of Regents, September 2009 What are the Major Drivers of Health Care Costs? Major drivers of health care costs include: inappropriate utilization especially of advanced medical technology, lack of patient involvement in decision-making, payment system distortions that encourage over-use, high prices for health care services, a health care workforce that is not aligned with national needs, excessive administrative costs, medical liability and defensive medicine, more Americans with declining health status and chronic disease, and demographic changes including an increase in elderly persons. This paper addresses each of these drivers of health care costs and provides recommendations for controlling them. Why Do We Need to Control Health Care Costs? Improvements in health care have the ability to provide opportunities for all people to live better, healthier lives. However, the rate of increase in U.S. spending on health care continues to exceed economic growth at an unsustainable pace. The rate of growth in health care spending is the single most important factor undermining the nation’s long-term fiscal condition. Why Should Controlling Health Care Costs be Linked to Promoting Good Health Outcomes? Increasing pressure...
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...Landscape Final Report Team Four: Fearless Leaders Leading Healthcare Organizations May 10, 2015 Rachel Gutman Josh Freeman Brad Mountcastle Alicia Spitznagel I. Executive Summary Physician care is the cornerstone of patient health and could possibly be the gateway to comprehensive wellness on a national scale. Research demonstrates that a monumental shift is underway in America’s physician industry as more and more doctors are “voting with their feet” and curtailing their practices by joining larger institutions, retiring early or joining concierge medicine (Rabin, 2014). Studies show that physicians are frustrated with our current ‘value by number’ system; they argue that they are overworked due to discounted insurance payments and increasing oversight. Our research foretells two alarming trends within the US physician landscape. The first concern is that there will be a shortage in primary-care physicians as early as the year 2020 and secondly, most medical practices will be owned by a hospital or affiliated with a large network within the next ten years (Kirchoff, 2013). The former concern places population health at risk and could reduce access to care while the latter has the potential to increase overall costs and reduce competition and innovation in the health care industry. The Affordable Care Act (ACA) marks a milestone in our nation’s history; it requires every U.S. citizen to obtain medical insurance or pay penalty and also, it places greater...
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