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  • insurers
  • Neither the candidates' plans nor your editorial addresses one of the most glaring problems that I see in my legal practice, of health insurers' knee-jerk denial of claims and/or permission for treatment. (nytimes.com)
  • Any proposed presidential plan must include a mechanism to closely monitor and regulate the health insurers and give citizens a vehicle to have a government agency enforce their health policy entitlements. (nytimes.com)
  • While pharmaceutical companies were the third-most profitable industry last year, with a 19.3 percent profit margin, health insurers ranked 35th, with a 2.2 percent profit margin. (marginalrevolution.com)
  • To support a reduction in the role of private insurance companies (either via a public option, or even single (government) payer, it is not necessary to show that insurers are excessively profitable. (marginalrevolution.com)
  • Medicare's current payment rates for providers are lower than those paid by commercial insurers, and the program's administrative costs are lower than those for individually purchased insurance. (washingtonpost.com)
  • Insurers are applying managed care techniques to promote lower cost, high quality care whenever possible and typically offer plans with varied levels of controls ranging from tighter, in-network provider choices in Health Maintenance Organizations (HMOs) to hybrid approaches called Point of Service (POS) plans, to more costly and greater individual choice options known as Preferred Provider Organizations (PPOs). (resolve.org)
  • Further to this, Ghana Insurers Association (GIA) as a way of building capacity and positioning itself to adequately handle all related insurances on oil and energy risks, and form a pool. (wikipedia.org)
  • SIC Insurance's responsibility involves dealing with all the Ghana insurance companies participating in the pool, the clients and other stakeholders as well as the overseas re-insurers. (wikipedia.org)
  • Zvolenska listed three ways in which it can create a single health insurance company: acquiring the shares of the private health insurance companies, taking over the management of the private insurers' client portfolios, and expropriating the private health insurers for an appropriate sum, with the first option cited as the best alternative. (wikipedia.org)
  • Insurance IP Bulletin, February 15, 2009 Business Method Patents: Insurance Companies Fighting over Patented Annuity Plans Patently O blog, June 23, 2010 Shaheen Samavati "Progressive files suit against Liberty Mutual", The Plain Dealer, June 21, 2010 Bowers, Barbara "Patents Pending, Insurers no longer enjoy open season on the product innovations of competitors. (wikipedia.org)
  • nonprofit
  • It's unknown why the startup nonprofit is drawing more customers than Anthem Blue Cross Blue Shield, a longtime health insurance provider in the state. (pressherald.com)
  • Nonprofit cooperatives would be established as an alternative to for-profit insurance companies, giving consumers more choices. (ljworld.com)
  • The University of Pittsburgh Medical Center (UPMC) is a $16 billion integrated global nonprofit health enterprise that has 80,000 employees, over 30 hospitals with more than 8,000 licensed beds, 600 clinical locations including outpatient sites and doctors' offices, a 3.2 million-member health insurance division, as well as commercial and international ventures. (wikipedia.org)
  • Excellus BCBS is upstate New York's largest nonprofit health plan. (wikipedia.org)
  • employee
  • The company became extremely successful during this period when several major contracts were awarded by large companies and public sector employers for their employee benefit plans, leading to the acquisition of the group business sectors of Ontario Blue Cross and Quebec Blue Cross. (wikipedia.org)
  • compete
  • In practice, what they managed to do was strip from the ACA a " public option ," which would have allowed the government to compete with the corporations in offering medical insurance. (huffingtonpost.com)
  • group
  • Dr. Townsend was responsible for both the Liberty Medical Group (LMG) a large 3,000 physician multispecialty medical group that provided health care to two million subscribers and the Liberty Medical Plan (LMP), a non-profit insurance company. (stanford.edu)
  • It's unclear whether the fee, designed to create competition in the insurance market, would win support of two key Republicans in the group: Chuck Grassley of Iowa and Mike Enzi of Wyoming. (ljworld.com)
  • Some people do not have access to a group plan and thus purchase individual insurance policies for themselves and their families. (resolve.org)
  • Green Shield Canada Not-for-profit insurer specializing in individual and group health and dental plans. (wikipedia.org)
  • TD Insurance is the insurance arm of TD Bank Financial Group. (wikipedia.org)
  • The plan sponsor (also known as the "employer" or "group") is the entity that sponsors, crafts, offers, maintains, and funds the plan. (wikipedia.org)
  • The plans caused controversy when Achmea, a Dutch private insurance group, filed a lawsuit against the Slovak state, after legislation was passed prohibiting it from extracting profits. (wikipedia.org)
  • George Russell establishes Russell 20-20, a group of independent money managers and plan sponsors who explore emerging markets with an eye toward investment opportunities. (wikipedia.org)
  • business
  • Company Overview of Harvest Fund Management Co. Ltd". Bloomberg Business Week. (wikipedia.org)
  • Sponsored by the California Nurses Association working with hundreds of other labor, business, professional and lay organizations SB 562 will pool health care funds into one publicly run health care insurance plan that covers everyone who lives in the state. (khsu.org)
  • The plan also imposes new restrictions on the ways that companies can do business in the health insurance sector. (infobarrel.com)
  • Aviva Canada Aviva Canada is the second largest Property & Casualty Insurer in Canada with a market share of 8.7% and Gross Written Premium (GWP) of $3.155B Blue Cross CAA Health & Dental Insurance The Co-operators: Largest Canadian-owned insurance business in Canada. (wikipedia.org)
  • In the light of the oil find along the western coast of Ghana, SIC Insurance positioned itself to underwrite oil and gas and other ancillary business in Ghana. (wikipedia.org)
  • The company operates in three business segments: Institutional Securities, Wealth Management, and Investment Management. (wikipedia.org)
  • On February 5, 1997 the company merged with Dean Witter Reynolds and Discover & Co., the spun-off financial services business of Sears Roebuck. (wikipedia.org)
  • The essence of the concept is that a business that is liable for some risk, such as health costs, chooses to "carry the risk" itself and not take out insurance through an insurance company. (wikipedia.org)
  • Unlike many insurance company and bank owned super funds, industry funds are not in business to make a profit for shareholders. (wikipedia.org)
  • The company does business across the country. (wikipedia.org)
  • Insurance Business method patent Chartrand, Sabra "Protecting Ideas in the Insurance Business" New York Times June 30, 2003 Google patent search on "insurance policy" Insurance IP Bulletin, February 2007, "Statistics" David G. Luettgen, "Foley Sponsors Conference on Business Method Patents for the Financial Services Industry", Sept. 12, 2006 Archived 2007-05-06 at the Wayback Machine. (wikipedia.org)
  • state's
  • Maine Community Health Options, the co-op that's competing for customers in the state's new health insurance marketplace, is so far capturing nearly three of every four people who are signing up for benefits through www.healthcare.gov, the co-op's top official said Thursday. (pressherald.com)
  • employers
  • Self-Insuring Groups such as employers who pay benefit claims directly rather than using an outside insurance carrier (which might be hired to serve as the benefits manager). (resolve.org)
  • market reforms have invalidated many plan designs that were previously used, and now that employees are required to have health insurance and many employers are required to offer health benefits as well, the self-funded industry has enlarged. (wikipedia.org)
  • Employers that sponsor self-funded insurance plans often contract with a third-party administrator (TPA), which is an entity that provides ministerial services on behalf of the health plan and the plan sponsor. (wikipedia.org)
  • basics
  • It was a careful balance finding a plan that gave me the basics (once a year health checks, an annual OBGYN testing, etc.) without going overboard. (wisebread.com)
  • make
  • And it is considered a legal meaning and purpose of insurance you won't want to work, and many firms make great earnings way. (bestquotesforinsurance.com)
  • Having a choice would force for-profit insurance companies to make their plans a better value. (dailypress.com)
  • I don't like profit margins and comparing them to other medical companies doesn't make much sense either. (marginalrevolution.com)
  • The LIC Profit Plus plan is a unit linked endowment plan under which the policyholder has the option to make a single payment in the form of a lump sum towards his or her premium or choose to make premium payments in a uniform manner over a period of 3 years, 4 years or 5 years. (bankbazaar.com)
  • An individual who purchases the LIC Profit Plus Plan can either choose to make premium payments either as a single lump sum payment at the commencement of the policy or via monthly, quarterly, half-yearly or yearly installments for 3, 4, or 5 year policy paying terms. (bankbazaar.com)
  • They should be free to make a profit. (ljworld.com)
  • The plan to grant tax credits for insurance policy payments seeks to make such policies less expensive. (infobarrel.com)
  • if a determination requires interpretation of the governing plan document, most TPAs do not make it but instead require the plan administrator to provide its own determination. (wikipedia.org)
  • individual
  • As per the policy terms, the individual can decide the amount of cover based on factors such as the policy term that has been chosen, the amount of premium that the individual has agreed to pay and whether the plan is a Single Premium contract or a Limited Premium contract. (bankbazaar.com)
  • Health insurance guarantees that an individual will not have to bear the entire burden of his/her health care expenses. (resolve.org)
  • However, it is often difficult and very expensive to purchase individual insurance policies. (resolve.org)
  • With the creation of Canada's publicly funded universal health care system in the 1960s, the Blue Cross organizations began to evolve, providing travel insurance and individual health plans to supplement the publicly funded health care provided by each province. (wikipedia.org)
  • subsidiary
  • Harvest Global Investments (UK) Ltd ("HGIUK") was established in London as a wholly owned subsidiary of Harvest Global Investments with the intention of continuing the expansion of Harvest globally and is the first Chinese-parent fund company to choose London as a base outside of China and Hong Kong. (wikipedia.org)
  • date=June 2016} Allstate Insurance Company of Canada Canadian subsidiary of US parent company. (wikipedia.org)
  • Although its global head office is located in Toronto, Ontario, Manulife has worldwide operations, most notably in the United States (through its subsidiary, John Hancock Insurance) and in 19 unique Asian countries and territories. (wikipedia.org)
  • people
  • We have so many people with no health insurance, especially with the massive layoffs. (dailypress.com)
  • These people are not without insurance by choice. (dailypress.com)
  • It speaks to the value we bring to Maine people, the design of the plans, the value we bring and the price," Lewis said. (pressherald.com)
  • So far, he said, numbers indicate that more people in their 40s and 50s are signing up for health insurance, and not as many young people. (pressherald.com)
  • Any dummy can see that the profit motive is what has poxed the U.S. health care system, and if people in Canada and Europe hate their systems so much, why are they not clamoring to get treated over here? (sfgate.com)
  • The fact that these people, the usual suspects, offered last week to strip $2 trillion over 10 years out of their profits should show you the kind of profits they are currently making. (sfgate.com)
  • 2016 Green Party Presidential Candidate Jill Stein lives and breathes the Green Party Platform for People, Planet and Peace Over Profit. (khsu.org)
  • If you go to the second link you'll see lots of people claiming the companies are very profitable and should be squeezed in some manner. (marginalrevolution.com)
  • People often roll their eyes at the mention of a high-deductible health plan. (wisebread.com)
  • The company also distributed paper models of people such as a policement or jockey with a toothpick as an axle. (wikipedia.org)
  • From the late 18th century a number of Friendly Societies had been set up to help working-class people with such things as health insurance, death benefits, etc. (wikipedia.org)
  • controversy
  • This is causing controversy in the insurance industry as some see it as a positive development and others see it as a negative development. (wikipedia.org)
  • employer
  • Insurance policies vary widely and may even differ from employer to employer from the same insurer. (resolve.org)
  • In self-funded health care, the employer ultimately retains the full risk of paying claims, in contrast to traditional insurance, where all risk is transferred to the insurer. (wikipedia.org)
  • In the United States, a self-funded health plan is generally established by an employer as its own legal entity, similar to a trust. (wikipedia.org)
  • While the duties of a plan administrator may be delegated to an entity other than the employer, the law invariably requires that the employer be considered the plan sponsor. (wikipedia.org)
  • In general, the plan administrator is the employer - but new trends in the industry are seeing more and more groups outsourcing plan administrator duties to TPAs or other entities for a fee. (wikipedia.org)
  • medical
  • Profit is their sole motive, which Cook considers an outrageous betrayal of his medical oath. (huffingtonpost.com)
  • Actually, they wring profits out of their customers by layering corporate bureaucrats on top of medical providers. (huffingtonpost.com)
  • They don't see the benefit of such a plan - especially since I'm not likely to use anywhere near $5,000 in medical services in a typical year. (wisebread.com)
  • My parents, who are older, have a few medical conditions, and use services more regularly, wouldn't get as much mileage from this type of plan. (wisebread.com)
  • Leave existing insurance on the table for those who enjoy spending large sums of money for medical insurance. (ljworld.com)
  • Already having worked out informal agreements for teaching and staffing privileges with a number of local hospitals, Pitt and its School of Medicine desired to establish an academic medical center, and by the mid-1920s had formed a plan with a coalition of city hospitals to have them relocate to the Oakland neighborhood of the city that the university had itself moved to in 1909. (wikipedia.org)
  • By the end of the 1930s, the University of Pittsburgh had helped to form the "University Medical Center" which included Falk Clinic, Children's, Eye and Ear, Libby Steele Magee, Presbyterian General, and Women's Hospital, as well as the planned Municipal Hospital. (wikipedia.org)
  • A medical benefit is something that your insurance plan has agreed to cover. (resolve.org)
  • Lombart established an insurance plan for the workers to cover workplace accidents, including a daily allowance during sickness, medical attention and help with funeral expenses. (wikipedia.org)
  • distributes
  • Furthermore, the company distributes its products and provides support to its customers through salaried consultants located at its head office and in 36 regional field offices located across the continental United States and in Alaska and Hawaii. (wikipedia.org)
  • illness
  • Many of my friends were smokers, had a long list of pre-existing conditions, or just waited until they had an illness to look into getting a self-insured plan. (wisebread.com)
  • Include
  • Key provisions of this Act include: Every California resident will have one plan and the ability to choose their provider. (khsu.org)
  • carrier
  • Desjardins is the 6th largest financial institution in Canada and 2nd largest property and casualty insurance carrier, after it purchased State Farm Canada in 2014. (wikipedia.org)
  • itself
  • These plans continue to rely on a privately run insurance system that has shown itself to be too costly, too inflation-prone and too unreliable to meet our needs. (nytimes.com)
  • entities
  • There are two primary entities involved in the formation and administration of a health plan - the plan sponsor and the plan administrator. (wikipedia.org)
  • the plan administrator can share the fiduciary duty with other entities, but the plan administrator is required to assume some fiduciary duty and cannot disclaim that duty. (wikipedia.org)
  • services
  • Insurance companies determine what tests, drugs and services they will cover. (resolve.org)
  • It is important to thoroughly review and seek clarification about the provisions of a particular plan, paying specific attention to covered benefits, exclusions and restrictions as they relate to reproductive health services and infertility diagnosis and treatment. (resolve.org)
  • RAA services operate on a break-even basis and the organisation looks to generate a profit through its commercial and investment activities. (wikipedia.org)
  • hospital
  • Affiliated with the Canadian Association of Blue Cross Plans, Medavie Blue Cross traces its history to E.A. van Steenwyk's 1933 creation of the Hospital Service Association of Minnesota, which became known as Blue Cross. (wikipedia.org)