Medical Claims According to Wellness Program Participation for a Large Insurance Company in the United States

2018 ◽  
Vol 60 (11) ◽  
pp. 985-989
Author(s):  
Ray M. Merrill
1938 ◽  
Vol 12 (5) ◽  
pp. 65-75
Author(s):  
J. Owen Stalson

Colonial America gave little thought to life insurance selling. The colonists secured protection against marine risks from private underwriters, first in London, eventually at home. It has been asserted that Philadelphia had no fire insurance until 1752; Boston none before 1795. The first corporations formed in this country for insuring lives were those of the Presbyterian Ministers Fund (1759) and a similar company organized for the benefit of Episcopal ministers (1769). Neither of these corporations offered insurance to the general public. In the last decade of the eighteenth century many insurance companies were formed in the United States. At least five were chartered to underwrite life risks, but only one, The Insurance Company of North America, appears to have accepted any. There is no basis for saying that any of these early companies tried to sell life insurance.


1957 ◽  
Vol 16 (1) ◽  
pp. 16-20 ◽  
Author(s):  
Cara Richards ◽  
Henry Dobyns

This paper deals with a problem long debated by anthropologists—the relationship between environment and culture. We analyze effects of topography on cultural change in situations of contact between two social systems, one more powerful than the other and inclined to enforce its behaviors on the weaker. We do this by examining cultural changes in one work-unit within a large insurance company in the United States.


1969 ◽  
Vol 5 (2) ◽  
pp. 274-279
Author(s):  
V. Benedikt ◽  
Herbert L. Feay

Mr. Benedikt uses “chain relatives” based on the incurred claim totals included in Part 5 of Schedule “P” of the annual statement required for fire and casualty companies in the United States. Each total is for the losses as developed to end of calendar year (j) for claims incurred because of accidents in calendar year (i). Each total is the sum of the actual payments made before the end of year (j) plus the reserve for estimated payments to be made after the end of year (j) for claims incurred in year (i). The “chain relatives” are ratios. The “chain relative” ai,j is the ratio of developed losses to end of (j + 1) to the developed losses at the end of year (j).Each total of Part 5 of Schedule “P” equals the sum of the total payments to date plus the total reserves for future payments for the corresponding classification of claims. Separate totals for these amounts are given in Part 1 of Schedule “P”. The totals of Part 5 are not secured directly from Part 1 because Part 1 gives totals by policy year of issue only and Part 5 separates the totals by policy of issue by calendar year in which claims are incurred. The two parts are prepared from the same basic claim information and agree in total.The accumulated total paid losses for most casualty lines increase with passage of time. This accumulated total for paid losses can be reduced only if there are recoveries for losses previously paid, such as can occur for auto collision. For auto collision, the insurance company for this insurance can pay the insured for the damage to his car and then later recover from the insurance company that provided the liability insurance for another car involved in the same accident. Such substantial recoveries normally do not occur for auto liability insurance for bodily injury and property damage.


2019 ◽  
Vol 6 (Supplement_2) ◽  
pp. S959-S960 ◽  
Author(s):  
Lindsay Bengtson ◽  
Gary S Marshall ◽  
Ami R Buikema ◽  
Eleena Koep ◽  
Patricia Novy ◽  
...  

Abstract Background Quadrivalent conjugate and polysaccharide meningococcal vaccines (MenACWY) have been recommended in the United States for patients at high-risk due to functional or anatomic asplenia, complement component deficiency (CD) and human immunodeficiency virus (HIV) infection. Serogroup B vaccines (MenB) are recommended for patients ≥10 years of age with asplenia or CD. Little is currently known about meningococcal vaccine uptake and time to vaccination among patients with incident high-risk diagnoses. Methods Patients newly diagnosed (1 inpatient or ≥2 outpatient medical claims with evidence of the condition ≥30 days apart) with functional or anatomic asplenia (excluding sickle cell disease), CD or HIV infection were identified in the Optum Research Database. Continuous enrollment for ≥12 months before and ≥6 months after the diagnosis date (index date) was required. Patients with evidence of pre-existing conditions were excluded. MenACWY uptake was assessed among patients ≥2 years of age at index date from January 1, 2010 for asplenia and CD, and January 1, 2016 for HIV infection, through March 31, 2018; and MenB uptake among patients ≥10 years of age at index date from January 1, 2015 through March 31, 2018. Current Procedural Terminology and National Drug Codes on medical claims were used to capture vaccinations. For each condition, Kaplan–Meier analysis was used to estimate uptake and time to receipt of ≥1 dose of each vaccine for up to 5 years post-index date; vaccinations within 90 days before the index date were also included in calculations. Results Among asplenia patients, the percentage with receipt of ≥1 dose of MenACWY at 1, 2.5, and 5 years post-index date was 6.6%, 9.4%, and 13.3%, respectively; for CD patients the corresponding percentages were 2.2%, 4.8%, and 8.3%; and for HIV patients at 1 and 2.5 years post-index date the percentages were 10.8% and 19.8% (Figure 1). Receipt of ≥1 dose of MenB at 1 and 2.5 years post-index date was 1.7% and 3.1%, respectively, for asplenia patients and 1.1% and 2.5%, respectively, for CD patients (Figure 2). Conclusion Uptake of meningococcal vaccines in patients newly diagnosed with high-risk conditions is very low and the time to vaccination is long, leaving patients vulnerable to invasive meningococcal disease for extended periods of time. Disclosures All authors: No reported disclosures.


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