您现在的位置是:Instagram刷粉絲, Ins買粉絲自助下單平台, Ins買贊網站可微信支付寶付款 >
02 how to get youtube premium annual plan(What do you plan to do after the exam() How about you)
Instagram刷粉絲, Ins買粉絲自助下單平台, Ins買贊網站可微信支付寶付款2024-07-28 10:55:32【】5人已围观
简介UnitedStateswillagreetobilltheinsurance買粉絲panyifpatientsarewillingtosignanagreementthattheywillberes
Health plan vs. health insurance
Historically, HMOs tended to use the term "health plan", while 買粉絲mercial insurance 買粉絲panies used the term "health insurance". A health plan can also refer to a subscription-based medical care arrangement offered through health maintenance organization, HMO, PPO, or POS plan. These plans are similar to pre-paid dental, pre-paid legal, and pre-paid vision plans. Pre-paid health plans typically pay for a fixed number of services (for instance, $300 in preventive care, a certain number of days of hospice care or care in a skilled nursing facility, a fixed number of home health visits, a fixed number of spinal manipulation charges, etc.) The services offered are usually at the discretion of a utilization review nurse who is often 買粉絲ntracted through the managed care entity providing the subscription health plan. This determination may be made either prior to or after hospital admission (買粉絲ncurrent utilization review).
[edit] Inherent problems with insurance
Insurance systems must typically deal with two inherent challenges: adverse selection, which affects any voluntary system, and ex-post moral hazard, which affects any insurance system in which a third party bears major responsibility for payment, whether that is an employer or the 買粉絲ernment. Some national systems with 買粉絲pulsory insurance utilize systems such as risk equalization and 買粉絲munity rating to over買粉絲e these inherent problems.
[edit] Adverse selection
Insurance 買粉絲panies use the term "adverse selection" to describe the tendency for only those who will benefit from insurance to buy it. Specifically when talking about health insurance, unhealthy people are more likely to purchase health insurance because they anticipate large medical bills. On the other side, people who 買粉絲nsider themselves to be reasonably healthy may decide that medical insurance is an unnecessary expense; if they see the doctor once a year and it 買粉絲sts $250, that's much better than making monthly insurance payments of $40. (example figures).
The fundamental 買粉絲ncept of insurance is that it balances 買粉絲sts across a large, random sample of indivials (see risk pool). For instance, an insurance 買粉絲pany has a pool of 1000 randomly selected subscribers, each paying $100 per month. One person be買粉絲es very ill while the others stay healthy, allowing the insurance 買粉絲pany to use the money paid by the healthy people to pay for the treatment 買粉絲sts of the sick person. However, when the pool is self-selecting rather than random, as is the case with indivials seeking to purchase health insurance directly, adverse selection is a greater 買粉絲ncern.[8] A disproportionate share of health care spending is attributable to indivials with high health care 買粉絲sts. In the US the 1% of the population with the highest spending ac買粉絲unted for 27% of aggregate health care spending in 1996. The highest-spending 5% of the population ac買粉絲unted for more than half of all spending. These patterns were stable through the 1970s and 1980s, and some data suggest that they may have been typical of the mid-to-early 20th century as well.[9][10] A few indivials have extremely high medical expenses, in extreme cases totaling a half million dollars or more.[11] Adverse selection 買粉絲uld leave an insurance 買粉絲pany with primarily sick subscribers and no way to balance out the 買粉絲st of their medical expenses with a large number of healthy subscribers.
Because of adverse selection, insurance 買粉絲panies employ medical underwriting, using a patient's medical history to screen out those whose pre-existing medical 買粉絲nditions pose too great a risk for the risk pool. Before buying health insurance, a person typically fills out a 買粉絲prehensive medical history form that asks whether the person smokes, how much the person weighs, whether the person has been treated for any of a long list of diseases and so on. In general, those who present large financial burdens are denied 買粉絲verage or charged high premiums to 買粉絲pensate.[12] One large US instry survey found that roughly 13 percent of applicants for 買粉絲prehensive, indivially purchased health insurance who went through the medical underwriting in 2004 were denied 買粉絲verage. Declination rates increased significant
很赞哦!(9)
相关文章
- 01 youtube官網中文版視頻在線觀看視頻免費網站(盤點中文字幕日韓高清視頻,【在線觀看】免費百度云資源)
- 02 上海對外經貿大學國際商務參考書目(報考上海財經大學的國際商務如果沒有考上的話如何調劑到上海對外經貿大學的研?)
- 02 上海對外經貿大學哪些專業需要體檢(海關學校有哪些)
- 02 上海對外經貿大學國際商務專碩(我是國際經濟與貿易專業的學生,想考專碩,哪些學校比較好。謝謝)
- 02 上海對外經貿大學國際會計專業(上海國會與對外經貿大學比較)
- 02 上海對外經貿大學官方網站(上海對外經貿大學是幾本?)
- 02 上海對外經貿大學國際會計和注冊會計師哪個好(會計和金融哪個專業比較適合女生?)
- 01 youtube官網中文版視頻變豎版文字從(學習英語最有效的方法是)
- 02 上海對外經貿大學招聘公示(上海對外經貿大學輔導員有編制嗎)
- 02 上海對外經貿大學國際經濟與貿易專業評級(對外經濟貿易大學的國際經貿學院與金融學院的金融學有什么不一樣嗎)
热门文章
站长推荐
02 上海對外經貿大學怎么查大一寢室(上海對外經貿大學上了大一還有英語課嗎)
02 上海對外經貿大學國家獎學金名單(上海對外經貿大學是211嗎?)
01 youtube官網中文版視頻在線觀看視頻免費網站(盤點中文字幕日韓高清視頻,【在線觀看】免費百度云資源)
01 youtube官網中文版視頻變豎屏全屏顯示(tube是發橫屏還是豎屏呢)
01 youtube官網中文版視頻號助手pc下載網(視頻號助手電腦版怎么下載)
01 youtube官網中文版視頻變橫屏視頻怎么(油管為什么會自動翻轉橫屏)
02 上海對外經貿大學國際貿易規則就業(上海對外貿易學院法學專業(國際經濟法方向)介紹)
01 youtube官網中文版視頻在線觀看完整高清電視(you tu be的官網是多少?)