Insurance, Health: Insurance providing coverage of medical, surgical, or hospital care in general or for which there is no specific heading.Insurance Coverage: Generally refers to the amount of protection available and the kind of loss which would be paid for under an insurance contract with an insurer. (Slee & Slee, Health Care Terms, 2d ed)Insurance: Coverage by contract whereby one part indemnifies or guarantees another against loss by a specified contingency.Insurance, Long-Term Care: Health insurance to provide full or partial coverage for long-term home care services or for long-term nursing care provided in a residential facility such as a nursing home.Insurance, Life: Insurance providing for payment of a stipulated sum to a designated beneficiary upon death of the insured.Health Status: The level of health of the individual, group, or population as subjectively assessed by the individual or by more objective measures.Insurance Carriers: Organizations which assume the financial responsibility for the risks of policyholders.Health Care Reform: Innovation and improvement of the health care system by reappraisal, amendment of services, and removal of faults and abuses in providing and distributing health services to patients. It includes a re-alignment of health services and health insurance to maximum demographic elements (the unemployed, indigent, uninsured, elderly, inner cities, rural areas) with reference to coverage, hospitalization, pricing and cost containment, insurers' and employers' costs, pre-existing medical conditions, prescribed drugs, equipment, and services.Medically Uninsured: Individuals or groups with no or inadequate health insurance coverage. Those falling into this category usually comprise three primary groups: the medically indigent (MEDICAL INDIGENCY); those whose clinical condition makes them medically uninsurable; and the working uninsured.Public Health: Branch of medicine concerned with the prevention and control of disease and disability, and the promotion of physical and mental health of the population on the international, national, state, or municipal level.Insurance Pools: An organization of insurers or reinsurers through which particular types of risk are shared or pooled. The risk of high loss by a particular insurance company is transferred to the group as a whole (the insurance pool) with premiums, losses, and expenses shared in agreed amounts.Delivery of Health Care: The concept concerned with all aspects of providing and distributing health services to a patient population.Health Services Accessibility: The degree to which individuals are inhibited or facilitated in their ability to gain entry to and to receive care and services from the health care system. Factors influencing this ability include geographic, architectural, transportational, and financial considerations, among others.Health Policy: Decisions, usually developed by government policymakers, for determining present and future objectives pertaining to the health care system.Insurance Selection Bias: Adverse or favorable selection bias exhibited by insurers or enrollees resulting in disproportionate enrollment of certain groups of people.Health Benefit Plans, Employee: Health insurance plans for employees, and generally including their dependents, usually on a cost-sharing basis with the employer paying a percentage of the premium.Health Expenditures: The amounts spent by individuals, groups, nations, or private or public organizations for total health care and/or its various components. These amounts may or may not be equivalent to the actual costs (HEALTH CARE COSTS) and may or may not be shared among the patient, insurers, and/or employers.National Health Programs: Components of a national health care system which administer specific services, e.g., national health insurance.Health Care Surveys: Statistical measures of utilization and other aspects of the provision of health care services including hospitalization and ambulatory care.Health Surveys: A systematic collection of factual data pertaining to health and disease in a human population within a given geographic area.Insurance Benefits: Payments or services provided under stated circumstances under the terms of an insurance policy. In prepayment programs, benefits are the services the programs will provide at defined locations and to the extent needed.Insurance, Health, Reimbursement: Payment by a third-party payer in a sum equal to the amount expended by a health care provider or facility for health services rendered to an insured or program beneficiary. (From Facts on File Dictionary of Health Care Management, 1988)Insurance, Dental: Insurance providing coverage for dental care.Health Promotion: Encouraging consumer behaviors most likely to optimize health potentials (physical and psychosocial) through health information, preventive programs, and access to medical care.Health Services: Services for the diagnosis and treatment of disease and the maintenance of health.Mental Health: The state wherein the person is well adjusted.Health Services Needs and Demand: Health services required by a population or community as well as the health services that the population or community is able and willing to pay for.Universal Coverage: Health insurance coverage for all persons in a state or country, rather than for some subset of the population. It may extend to the unemployed as well as to the employed; to aliens as well as to citizens; for pre-existing conditions as well as for current illnesses; for mental as well as for physical conditions.National Health Insurance, United StatesHealth: The state of the organism when it functions optimally without evidence of disease.Quality of Health Care: The levels of excellence which characterize the health service or health care provided based on accepted standards of quality.Attitude to Health: Public attitudes toward health, disease, and the medical care system.Insurance Claim Reporting: The design, completion, and filing of forms with the insurer.Primary Health Care: Care which provides integrated, accessible health care services by clinicians who are accountable for addressing a large majority of personal health care needs, developing a sustained partnership with patients, and practicing in the context of family and community. (JAMA 1995;273(3):192)Health Services Research: The integration of epidemiologic, sociological, economic, and other analytic sciences in the study of health services. Health services research is usually concerned with relationships between need, demand, supply, use, and outcome of health services. The aim of the research is evaluation, particularly in terms of structure, process, output, and outcome. (From Last, Dictionary of Epidemiology, 2d ed)Insurance, Liability: Insurance against loss resulting from liability for injury or damage to the persons or property of others.State Health Plans: State plans prepared by the State Health Planning and Development Agencies which are made up from plans submitted by the Health Systems Agencies and subject to review and revision by the Statewide Health Coordinating Council.Health Planning: Planning for needed health and/or welfare services and facilities.Child Health Services: Organized services to provide health care for children.Health Insurance Portability and Accountability Act: Public Law 104-91 enacted in 1996, was designed to improve the efficiency and effectiveness of the healthcare system, protect health insurance coverage for workers and their families, and to protect individual personal health information.Insurance, Major Medical: Insurance providing a broad range of medical services and supplies, when prescribed by a physician, whether or not the patient is hospitalized. It frequently is an extension of a basic policy and benefits will not begin until the basic policy is exhausted.Insurance, Accident: Insurance providing coverage for physical injury suffered as a result of unavoidable circumstances.Health Behavior: Behaviors expressed by individuals to protect, maintain or promote their health status. For example, proper diet, and appropriate exercise are activities perceived to influence health status. Life style is closely associated with health behavior and factors influencing life style are socioeconomic, educational, and cultural.Medicaid: Federal program, created by Public Law 89-97, Title XIX, a 1965 amendment to the Social Security Act, administered by the states, that provides health care benefits to indigent and medically indigent persons.Health Care Sector: Economic sector concerned with the provision, distribution, and consumption of health care services and related products.United StatesPrivate Sector: That distinct portion of the institutional, industrial, or economic structure of a country that is controlled or owned by non-governmental, private interests.Insurance, Hospitalization: Health insurance providing benefits to cover or partly cover hospital expenses.Socioeconomic Factors: Social and economic factors that characterize the individual or group within the social structure.Health Personnel: Men and women working in the provision of health services, whether as individual practitioners or employees of health institutions and programs, whether or not professionally trained, and whether or not subject to public regulation. (From A Discursive Dictionary of Health Care, 1976)Patient Acceptance of Health Care: The seeking and acceptance by patients of health service.World Health: The concept pertaining to the health status of inhabitants of the world.Oral Health: The optimal state of the mouth and normal functioning of the organs of the mouth without evidence of disease.Health Education: Education that increases the awareness and favorably influences the attitudes and knowledge relating to the improvement of health on a personal or community basis.Health Knowledge, Attitudes, Practice: Knowledge, attitudes, and associated behaviors which pertain to health-related topics such as PATHOLOGIC PROCESSES or diseases, their prevention, and treatment. This term refers to non-health workers and health workers (HEALTH PERSONNEL).Insurance Claim Review: Review of claims by insurance companies to determine liability and amount of payment for various services. The review may also include determination of eligibility of the claimant or beneficiary or of the provider of the benefit; determination that the benefit is covered or not payable under another policy; or determination that the service was necessary and of reasonable cost and quality.Health Status Disparities: Variation in rates of disease occurrence and disabilities between population groups defined by socioeconomic characteristics such as age, ethnicity, economic resources, or gender and populations identified geographically or similar measures.Eligibility Determination: Criteria to determine eligibility of patients for medical care programs and services.Public Health Administration: Management of public health organizations or agencies.Financing, Personal: Payment by individuals or their family for health care services which are not covered by a third-party payer, either insurance or medical assistance.Fees and Charges: Amounts charged to the patient as payer for health care services.Occupational Health: The promotion and maintenance of physical and mental health in the work environment.Insurance, Psychiatric: Insurance providing benefits to cover part or all of the psychiatric care.Health Care Rationing: Planning for the equitable allocation, apportionment, or distribution of available health resources.Mental Health Services: Organized services to provide mental health care.Medical Assistance: Financing of medical care provided to public assistance recipients.Community Health Services: Diagnostic, therapeutic and preventive health services provided for individuals in the community.Environmental Health: The science of controlling or modifying those conditions, influences, or forces surrounding man which relate to promoting, establishing, and maintaining health.Patient Protection and Affordable Care Act: An Act prohibiting a health plan from establishing lifetime limits or annual limits on the dollar value of benefits for any participant or beneficiary after January 1, 2014. It permits a restricted annual limit for plan years beginning prior to January 1, 2014. It provides that a health plan shall not be prevented from placing annual or lifetime per-beneficiary limits on covered benefits. The Act sets up a competitive health insurance market.Poverty: A situation in which the level of living of an individual, family, or group is below the standard of the community. It is often related to a specific income level.Delivery of Health Care, Integrated: A health care system which combines physicians, hospitals, and other medical services with a health plan to provide the complete spectrum of medical care for its customers. In a fully integrated system, the three key elements - physicians, hospital, and health plan membership - are in balance in terms of matching medical resources with the needs of purchasers and patients. (Coddington et al., Integrated Health Care: Reorganizing the Physician, Hospital and Health Plan Relationship, 1994, p7)Healthcare Disparities: Differences in access to or availability of medical facilities and services.Health Priorities: Preferentially rated health-related activities or functions to be used in establishing health planning goals. This may refer specifically to PL93-641.Women's Health: The concept covering the physical and mental conditions of women.Public Health Practice: The activities and endeavors of the public health services in a community on any level.Cost Sharing: Provisions of an insurance policy that require the insured to pay some portion of covered expenses. Several forms of sharing are in use, e.g., deductibles, coinsurance, and copayments. Cost sharing does not refer to or include amounts paid in premiums for the coverage. (From Dictionary of Health Services Management, 2d ed)Rural Health: The status of health in rural populations.Cross-Sectional Studies: Studies in which the presence or absence of disease or other health-related variables are determined in each member of the study population or in a representative sample at one particular time. This contrasts with LONGITUDINAL STUDIES which are followed over a period of time.Outcome Assessment (Health Care): Research aimed at assessing the quality and effectiveness of health care as measured by the attainment of a specified end result or outcome. Measures include parameters such as improved health, lowered morbidity or mortality, and improvement of abnormal states (such as elevated blood pressure).Attitude of Health Personnel: Attitudes of personnel toward their patients, other professionals, toward the medical care system, etc.Urban Health: The status of health in urban populations.Insurance, Physician Services: Insurance providing benefits for the costs of care by a physician which can be comprehensive or limited to surgical expenses or for care provided only in the hospital. It is frequently called "regular medical expense" or "surgical expense".Health Literacy: Degree to which individuals have the capacity to obtain, process, and understand basic health information and services needed to make appropriate health decisions.Rural Health Services: Health services, public or private, in rural areas. The services include the promotion of health and the delivery of health care.Preventive Health Services: Services designed for HEALTH PROMOTION and prevention of disease.Financing, Government: Federal, state, or local government organized methods of financial assistance.Health Insurance Exchanges: State-provided health insurance marketplaces established under the PATIENT PROTECTION AND AFFORDABLE CARE ACT.Social Security: Government sponsored social insurance programs.Community Health Planning: Planning that has the goals of improving health, improving accessibility to health services, and promoting efficiency in the provision of services and resources on a comprehensive basis for a whole community. (From Facts on File Dictionary of Health Care Management, 1988, p299)Politics: Activities concerned with governmental policies, functions, etc.Health Maintenance Organizations: Organized systems for providing comprehensive prepaid health care that have five basic attributes: (1) provide care in a defined geographic area; (2) provide or ensure delivery of an agreed-upon set of basic and supplemental health maintenance and treatment services; (3) provide care to a voluntarily enrolled group of persons; (4) require their enrollees to use the services of designated providers; and (5) receive reimbursement through a predetermined, fixed, periodic prepayment made by the enrollee without regard to the degree of services provided. (From Facts on File Dictionary of Health Care Management, 1988)Community Health Centers: Facilities which administer the delivery of health care services to people living in a community or neighborhood.State Government: The level of governmental organization and function below that of the national or country-wide government.World Health Organization: A specialized agency of the United Nations designed as a coordinating authority on international health work; its aim is to promote the attainment of the highest possible level of health by all peoples.Logistic Models: Statistical models which describe the relationship between a qualitative dependent variable (that is, one which can take only certain discrete values, such as the presence or absence of a disease) and an independent variable. A common application is in epidemiology for estimating an individual's risk (probability of a disease) as a function of a given risk factor.Health Facilities: Institutions which provide medical or health-related services.Insurance, Disability: Insurance designed to compensate persons who lose wages because of illness or injury; insurance providing periodic payments that partially replace lost wages, salary, or other income when the insured is unable to work because of illness, injury, or disease. Individual and group disability insurance are two types of such coverage. (From Facts on File Dictionary of Health Care Management, 1988, p207)Health Manpower: The availability of HEALTH PERSONNEL. It includes the demand and recruitment of both professional and allied health personnel, their present and future supply and distribution, and their assignment and utilization.Health Resources: Available manpower, facilities, revenue, equipment, and supplies to produce requisite health care and services.Quality Assurance, Health Care: Activities and programs intended to assure or improve the quality of care in either a defined medical setting or a program. The concept includes the assessment or evaluation of the quality of care; identification of problems or shortcomings in the delivery of care; designing activities to overcome these deficiencies; and follow-up monitoring to ensure effectiveness of corrective steps.Insurance, Pharmaceutical Services: Insurance providing for payment of services rendered by the pharmacist. Services include the preparation and distribution of medical products.Managed Care Programs: Health insurance plans intended to reduce unnecessary health care costs through a variety of mechanisms, including: economic incentives for physicians and patients to select less costly forms of care; programs for reviewing the medical necessity of specific services; increased beneficiary cost sharing; controls on inpatient admissions and lengths of stay; the establishment of cost-sharing incentives for outpatient surgery; selective contracting with health care providers; and the intensive management of high-cost health care cases. The programs may be provided in a variety of settings, such as HEALTH MAINTENANCE ORGANIZATIONS and PREFERRED PROVIDER ORGANIZATIONS.Cost Control: The containment, regulation, or restraint of costs. Costs are said to be contained when the value of resources committed to an activity is not considered excessive. This determination is frequently subjective and dependent upon the specific geographic area of the activity being measured. (From Dictionary of Health Services Management, 2d ed)Policy Making: The decision process by which individuals, groups or institutions establish policies pertaining to plans, programs or procedures.Federal Government: The level of governmental organization and function at the national or country-wide level.Models, Econometric: The application of mathematical formulas and statistical techniques to the testing and quantifying of economic theories and the solution of economic problems.Income: Revenues or receipts accruing from business enterprise, labor, or invested capital.Employer Health Costs: That portion of total HEALTH CARE COSTS borne by an individual's or group's employing organization.TaiwanRegional Health Planning: Planning for health resources at a regional or multi-state level.Interviews as Topic: Conversations with an individual or individuals held in order to obtain information about their background and other personal biographical data, their attitudes and opinions, etc. It includes school admission or job interviews.Social Justice: An interactive process whereby members of a community are concerned for the equality and rights of all.Consumer Satisfaction: Customer satisfaction or dissatisfaction with a benefit or service received.Employment: The state of being engaged in an activity or service for wages or salary.Health Services Administration: The organization and administration of health services dedicated to the delivery of health care.Medicare: Federal program, created by Public Law 89-97, Title XVIII-Health Insurance for the Aged, a 1965 amendment to the Social Security Act, that provides health insurance benefits to persons over the age of 65 and others eligible for Social Security benefits. It consists of two separate but coordinated programs: hospital insurance (MEDICARE PART A) and supplementary medical insurance (MEDICARE PART B). (Hospital Administration Terminology, AHA, 2d ed and A Discursive Dictionary of Health Care, US House of Representatives, 1976)Public Sector: The area of a nation's economy that is tax-supported and under government control.Tax Exemption: Status not subject to taxation; as the income of a philanthropic organization. Tax-exempt organizations may also qualify to receive tax-deductible donations if they are considered to be nonprofit corporations under Section 501(c)3 of the United States Internal Revenue Code.Aid to Families with Dependent Children: Financial assistance provided by the government to indigent families with dependent children who meet certain requirements as defined by the Social Security Act, Title IV, in the U.S.Consumer Participation: Community or individual involvement in the decision-making process.Electronic Health Records: Media that facilitate transportability of pertinent information concerning patient's illness across varied providers and geographic locations. Some versions include direct linkages to online consumer health information that is relevant to the health conditions and treatments related to a specific patient.Maternal Health Services: Organized services to provide health care to expectant and nursing mothers.Economic Competition: The effort of two or more parties to secure the business of a third party by offering, usually under fair or equitable rules of business practice, the most favorable terms.Questionnaires: Predetermined sets of questions used to collect data - clinical data, social status, occupational group, etc. The term is often applied to a self-completed survey instrument.Health Occupations: Professions or other business activities directed to the cure and prevention of disease. For occupations of medical personnel who are not physicians but who are working in the fields of medical technology, physical therapy, etc., ALLIED HEALTH OCCUPATIONS is available.Ethnic Groups: A group of people with a common cultural heritage that sets them apart from others in a variety of social relationships.Age Factors: Age as a constituent element or influence contributing to the production of a result. It may be applicable to the cause or the effect of a circumstance. It is used with human or animal concepts but should be differentiated from AGING, a physiological process, and TIME FACTORS which refers only to the passage of time.Health Services for the Aged: Services for the diagnosis and treatment of diseases in the aged and the maintenance of health in the elderly.Privatization: Process of shifting publicly controlled services and/or facilities to the private sector.Costs and Cost Analysis: Absolute, comparative, or differential costs pertaining to services, institutions, resources, etc., or the analysis and study of these costs.Marketing of Health Services: Application of marketing principles and techniques to maximize the use of health care resources.Prevalence: The total number of cases of a given disease in a specified population at a designated time. It is differentiated from INCIDENCE, which refers to the number of new cases in the population at a given time.Occupational Health Services: Health services for employees, usually provided by the employer at the place of work.Health Plan Implementation: Those actions designed to carry out recommendations pertaining to health plans or programs.Urban Health Services: Health services, public or private, in urban areas. The services include the promotion of health and the delivery of health care.Comprehensive Health Care: Providing for the full range of personal health services for diagnosis, treatment, follow-up and rehabilitation of patients.Social Class: A stratum of people with similar position and prestige; includes social stratification. Social class is measured by criteria such as education, occupation, and income.Reimbursement Mechanisms: Processes or methods of reimbursement for services rendered or equipment.Social Welfare: Organized institutions which provide services to ameliorate conditions of need or social pathology in the community.Health Care Coalitions: Voluntary groups of people representing diverse interests in the community such as hospitals, businesses, physicians, and insurers, with the principal objective to improve health care cost effectiveness.Public Health Nursing: A nursing specialty concerned with promoting and protecting the health of populations, using knowledge from nursing, social, and public health sciences to develop local, regional, state, and national health policy and research. It is population-focused and community-oriented, aimed at health promotion and disease prevention through educational, diagnostic, and preventive programs.Women's Health Services: Organized services to provide health care to women. It excludes maternal care services for which MATERNAL HEALTH SERVICES is available.Income Tax: Tax on the net income of an individual, organization, or business.Needs Assessment: Systematic identification of a population's needs or the assessment of individuals to determine the proper level of services needed.Dental Health Services: Services designed to promote, maintain, or restore dental health.Infant, Newborn: An infant during the first month after birth.Medical Indigency: The condition in which individuals are financially unable to access adequate medical care without depriving themselves and their dependents of food, clothing, shelter, and other essentials of living.Reproductive Health: The physical condition of human reproductive systems.Government Regulation: Exercise of governmental authority to control conduct.Program Evaluation: Studies designed to assess the efficacy of programs. They may include the evaluation of cost-effectiveness, the extent to which objectives are met, or impact.Quality Indicators, Health Care: Norms, criteria, standards, and other direct qualitative and quantitative measures used in determining the quality of health care.Managed Competition: A strategy for purchasing health care in a manner which will obtain maximum value for the price for the purchasers of the health care and the recipients. The concept was developed primarily by Alain Enthoven of Stanford University and promulgated by the Jackson Hole Group. The strategy depends on sponsors for groups of the population to be insured. The sponsor, in some cases a health alliance, acts as an intermediary between the group and competing provider groups (accountable health plans). The competition is price-based among annual premiums for a defined, standardized benefit package. (From Slee and Slee, Health Care Reform Terms, 1993)Cohort Studies: Studies in which subsets of a defined population are identified. These groups may or may not be exposed to factors hypothesized to influence the probability of the occurrence of a particular disease or other outcome. Cohorts are defined populations which, as a whole, are followed in an attempt to determine distinguishing subgroup characteristics.Educational Status: Educational attainment or level of education of individuals.Rural Population: The inhabitants of rural areas or of small towns classified as rural.Population Surveillance: Ongoing scrutiny of a population (general population, study population, target population, etc.), generally using methods distinguished by their practicability, uniformity, and frequently their rapidity, rather than by complete accuracy.Health Care Costs: The actual costs of providing services related to the delivery of health care, including the costs of procedures, therapies, and medications. It is differentiated from HEALTH EXPENDITURES, which refers to the amount of money paid for the services, and from fees, which refers to the amount charged, regardless of cost.Sex Factors: Maleness or femaleness as a constituent element or influence contributing to the production of a result. It may be applicable to the cause or effect of a circumstance. It is used with human or animal concepts but should be differentiated from SEX CHARACTERISTICS, anatomical or physiological manifestations of sex, and from SEX DISTRIBUTION, the number of males and females in given circumstances.Disabled Children: Children with mental or physical disabilities that interfere with usual activities of daily living and that may require accommodation or intervention.Mandatory Programs: Programs in which participation is required.Demography: Statistical interpretation and description of a population with reference to distribution, composition, or structure.Family Characteristics: Size and composition of the family.Catchment Area (Health): A geographic area defined and served by a health program or institution.Ambulatory Care: Health care services provided to patients on an ambulatory basis, rather than by admission to a hospital or other health care facility. The services may be a part of a hospital, augmenting its inpatient services, or may be provided at a free-standing facility.Vulnerable Populations: Groups of persons whose range of options is severely limited, who are frequently subjected to COERCION in their DECISION MAKING, or who may be compromised in their ability to give INFORMED CONSENT.Adolescent Health Services: Organized services to provide health care to adolescents, ages ranging from 13 through 18 years.Fee-for-Service Plans: Method of charging whereby a physician or other practitioner bills for each encounter or service rendered. In addition to physicians, other health care professionals are reimbursed via this mechanism. Fee-for-service plans contrast with salary, per capita, and prepayment systems, where the payment does not change with the number of services actually used or if none are used. (From Discursive Dictionary of Health Care, 1976)Multivariate Analysis: A set of techniques used when variation in several variables has to be studied simultaneously. In statistics, multivariate analysis is interpreted as any analytic method that allows simultaneous study of two or more dependent variables.Public Health Informatics: The systematic application of information and computer sciences to public health practice, research, and learning.Outcome and Process Assessment (Health Care): Evaluation procedures that focus on both the outcome or status (OUTCOMES ASSESSMENT) of the patient at the end of an episode of care - presence of symptoms, level of activity, and mortality; and the process (ASSESSMENT, PROCESS) - what is done for the patient diagnostically and therapeutically.Mental Disorders: Psychiatric illness or diseases manifested by breakdowns in the adaptational process expressed primarily as abnormalities of thought, feeling, and behavior producing either distress or impairment of function.Retirement: The state of being retired from one's position or occupation.Blue Cross Blue Shield Insurance Plans: Prepaid health and hospital insurance plan.United States Dept. of Health and Human Services: A cabinet department in the Executive Branch of the United States Government concerned with administering those agencies and offices having programs pertaining to health and human services.Medical Savings Accounts: Tax-exempt trusts or custodial accounts established by individuals with financial institutions for saving money for future medical expenses.Chronic Disease: Diseases which have one or more of the following characteristics: they are permanent, leave residual disability, are caused by nonreversible pathological alteration, require special training of the patient for rehabilitation, or may be expected to require a long period of supervision, observation, or care. (Dictionary of Health Services Management, 2d ed)Retrospective Studies: Studies used to test etiologic hypotheses in which inferences about an exposure to putative causal factors are derived from data relating to characteristics of persons under study or to events or experiences in their past. The essential feature is that some of the persons under study have the disease or outcome of interest and their characteristics are compared with those of unaffected persons.Budgets: Detailed financial plans for carrying out specific activities for a certain period of time. They include proposed income and expenditures.African Americans: Persons living in the United States having origins in any of the black groups of Africa.Reproductive Health Services: Health care services related to human REPRODUCTION and diseases of the reproductive system. Services are provided to both sexes and usually by physicians in the medical or the surgical specialties such as REPRODUCTIVE MEDICINE; ANDROLOGY; GYNECOLOGY; OBSTETRICS; and PERINATOLOGY.Financing, Organized: All organized methods of funding.Continental Population Groups: Groups of individuals whose putative ancestry is from native continental populations based on similarities in physical appearance.Health Records, Personal: Longitudinal patient-maintained records of individual health history and tools that allow individual control of access.Longitudinal Studies: Studies in which variables relating to an individual or group of individuals are assessed over a period of time.Cost of Illness: The personal cost of acute or chronic disease. The cost to the patient may be an economic, social, or psychological cost or personal loss to self, family, or immediate community. The cost of illness may be reflected in absenteeism, productivity, response to treatment, peace of mind, or QUALITY OF LIFE. It differs from HEALTH CARE COSTS, meaning the societal cost of providing services related to the delivery of health care, rather than personal impact on individuals.Family Health: The health status of the family as a unit including the impact of the health of one member of the family on the family as a unit and on individual family members; also, the impact of family organization or disorganization on the health status of its members.Government Agencies: Administrative units of government responsible for policy making and management of governmental activities.Residence Characteristics: Elements of residence that characterize a population. They are applicable in determining need for and utilization of health services.Public Policy: A course or method of action selected, usually by a government, from among alternatives to guide and determine present and future decisions.Cost-Benefit Analysis: A method of comparing the cost of a program with its expected benefits in dollars (or other currency). The benefit-to-cost ratio is a measure of total return expected per unit of money spent. This analysis generally excludes consideration of factors that are not measured ultimately in economic terms. Cost effectiveness compares alternative ways to achieve a specific set of results.Hospitalization: The confinement of a patient in a hospital.National Institutes of Health (U.S.): An operating division of the US Department of Health and Human Services. It is concerned with the overall planning, promoting, and administering of programs pertaining to health and medical research. Until 1995, it was an agency of the United States PUBLIC HEALTH SERVICE.Urban Population: The inhabitants of a city or town, including metropolitan areas and suburban areas.Regression Analysis: Procedures for finding the mathematical function which best describes the relationship between a dependent variable and one or more independent variables. In linear regression (see LINEAR MODELS) the relationship is constrained to be a straight line and LEAST-SQUARES ANALYSIS is used to determine the best fit. In logistic regression (see LOGISTIC MODELS) the dependent variable is qualitative rather than continuously variable and LIKELIHOOD FUNCTIONS are used to find the best relationship. In multiple regression, the dependent variable is considered to depend on more than a single independent variable.Quality of Life: A generic concept reflecting concern with the modification and enhancement of life attributes, e.g., physical, political, moral and social environment; the overall condition of a human life.Databases, Factual: Extensive collections, reputedly complete, of facts and data garnered from material of a specialized subject area and made available for analysis and application. The collection can be automated by various contemporary methods for retrieval. The concept should be differentiated from DATABASES, BIBLIOGRAPHIC which is restricted to collections of bibliographic references.Mass Screening: Organized periodic procedures performed on large groups of people for the purpose of detecting disease.Community Mental Health Services: Diagnostic, therapeutic and preventive mental health services provided for individuals in the community.CaliforniaQualitative Research: Any type of research that employs nonnumeric information to explore individual or group characteristics, producing findings not arrived at by statistical procedures or other quantitative means. (Qualitative Inquiry: A Dictionary of Terms Thousand Oaks, CA: Sage Publications, 1997)Health Services, Indigenous: Health care provided to specific cultural or tribal peoples which incorporates local customs, beliefs, and taboos.

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*  Health Insurance Plans in Silver Lake, NY | Wirefly

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*  Get Health Insurance Quotes Online |

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*  If You Can't Get Health Insurance at Work

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*  Insurance Coverage: Obama's Air Ball -

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Contraceptive mandate (United States): A contraceptive mandate is a state or federal regulation or law that requires health insurers, or employers that provide their employees with health insurance, to cover some contraceptive costs in their health insurance plans. In 1978, the U.Project Longshot: Project Longshot was a conceptual design for an interstellar spacecraft, an unmanned probe, intended to fly to and enter orbit around Alpha Centauri B powered by nuclear pulse propulsion.Lincoln Income Life Insurance Company: Lincoln Income Life Insurance Company, originally Income Life Insurance of Kentucky was an insurance corporation based in Louisville, Kentucky. Lincoln Income Life Insurance provided life insurance, accident insurance, and fire insurance for over 70 years until it was acquired in 1986 by Conseco.Self-rated health: Self-rated health (also called Self-reported health, Self-assessed health, or perceived health) refers to both a single question such as “in general, would you say that you health is excellent, very good, good, fair, or poor?” and a survey questionnaire in which participants assess different dimensions of their own health.Munich Reinsurance America: Munich Reinsurance America (also called Munich Re America), formerly known as American Re Corporation before September 2006, is a major provider of property and casualty reinsurance in the United States. Munich Reinsurance America is a subsidiary of Munich Re.Rock 'n' Roll (Status Quo song)Public Health Act: Public Health Act is a stock short title used in the United Kingdom for legislation relating to public health.Dana GoldmanGlobal Health Delivery ProjectHealth policy: Health policy can be defined as the "decisions, plans, and actions that are undertaken to achieve specific health care goals within a society."World Health Organization.DenplanHealthcare in Tanzania: Health care in Tanzania is available depending on one's income and accessibility. People in urban areas have better access to private and public medical facilities.Lifestyle management programme: A lifestyle management programme (also referred to as a health promotion programme, health behaviour change programme, lifestyle improvement programme or wellness programme) is an intervention designed to promote positive lifestyle and behaviour change and is widely used in the field of health promotion.List of largest employers: ==Largest public and private and Government employers in the world==Outstanding claims reserves: Outstanding claims reserves in general insurance are a type of technical reserve or accounting provision in the financial statements of an insurer. They seek to quantify the outstanding loss liabilities for insurance claims which have been reported and not yet settledHalfdan T. MahlerStatutory liability: Statutory Liability is a legal term indicating the liability of a party who may be held responsible for any action or omission due to a related law that is not open to interpretation.Labor Standards Bureau: The is a bureau of the Ministry of Health, labour and Welfare responsible for maintaining work standards in Japan. It is tasked with securing and improving working conditions, ensuring the safety and health of workers, and is also responsible for managing Workers' Accident Compensation Insurance.Behavior: Behavior or behaviour (see spelling differences) is the range of actions and [made by individuals, organism]s, [[systems, or artificial entities in conjunction with themselves or their environment, which includes the other systems or organisms around as well as the (inanimate) physical environment. It is the response of the system or organism to various stimuli or inputs, whether [or external], [[conscious or subconscious, overt or covert, and voluntary or involuntary.List of Parliamentary constituencies in Kent: The ceremonial county of Kent,Private healthcareSchool health education: School Health Education see also: Health Promotion is the process of transferring health knowledge during a student's school years (K-12). Its uses are in general classified as Public Health Education and School Health Education.Behavior change (public health): Behavior change is a central objective in public health interventions,WHO 2002: World Health Report 2002 - Reducing Risks, Promoting Healthy Life Accessed Feb 2015 http://www.who.WHO collaborating centres in occupational health: The WHO collaborating centres in occupational health constitute a network of institutions put in place by the World Health Organization to extend availability of occupational health coverage in both developed and undeveloped countries.Network of WHO Collaborating Centres in occupational health.Biologically based mental illness: One of three major definitions used in state parity laws.An Analysis of the Definitions of Mental Illness Used in State Parity LawsNational Collaborating Centre for Mental Health: The National Collaborating Centre for Mental Health (NCCMH) is one of several centres of the National Institute for Health and Care Excellence (NICE) tasked with developing guidance on the appropriate treatment and care of people with specific conditions within the National Health Service (NHS) in England and Wales. It was established in 2001.Capital Assistance Program: The Capital Assistance Program is a U.S.Comprehensive Rural Health Project: The Comprehensive Rural Health Project (CRHP) is a non profit, non-governmental organization located in Jamkhed, Ahmednagar District in the state of Maharashtra, India. The organization works with rural communities to provide community-based primary healthcare and improve the general standard of living through a variety of community-led development programs, including Women's Self-Help Groups, Farmers' Clubs, Adolescent Programs and Sanitation and Watershed Development Programs.Great Lakes Environmental Research Laboratory: right|300px|thumb|Great Lakes Environmental Research Laboratory logo.Poverty trap: A poverty trap is "any self-reinforcing mechanism which causes poverty to persist."Costas Azariadis and John Stachurski, "Poverty Traps," Handbook of Economic Growth, 2005, 326.Aging (scheduling): In Operating systems, Aging is a scheduling technique used to avoid starvation. Fixed priority scheduling is a scheduling discipline, in which tasks queued for utilizing a system resource are assigned a priority each.Women's Health Initiative: The Women's Health Initiative (WHI) was initiated by the U.S.Society for Education Action and Research in Community Health: Searching}}Supplemental Security Income: Supplemental Security Income (SSI) is a United States government program that provides stipends to low-income people who are either aged (65 or older), blind, or disabled.(SSA "Supplemental Security Income (SSI)" p.Healthy community design: Healthy community design is planning and designing communities that make it easier for people to live healthy lives. Healthy community design offers important benefits:Opinion polling in the Philippine presidential election, 2010: Opinion polling (popularly known as surveys in the Philippines) for the 2010 Philippine presidential election is managed by two major polling firms: Social Weather Stations and Pulse Asia, and several minor polling firms. The polling firms conducted surveys both prior and after the deadline for filing of certificates of candidacies on December 1, 2009.Northeast Community Health CentreState health agency: A state health agency (SHA), or state department of health, is a department or agency of the state governments of the United States focused on public health. The state secretary of health is a constitutional or at times a statutory official in several states of the United States.European Immunization Week: European Immunization Week (EIW) is an annual regional initiative, coordinated by the World Health Organization Regional Office for Europe (WHO/Europe), to promote immunization against vaccine-preventable diseases. EIW activities are carried out by participating WHO/Europe member states.Meredith EatonMinati SenResource leak: In computer science, a resource leak is a particular type of resource consumption by a computer program where the program does not release resources it has acquired. This condition is normally the result of a bug in a program.

(1/2176) Legalized physician-assisted suicide in Oregon--the first year's experience.

BACKGROUND AND METHODS: On October 27, 1997, Oregon legalized physician-assisted suicide. We collected data on all terminally ill Oregon residents who received prescriptions for lethal medications under the Oregon Death with Dignity Act and who died in 1998. The data were obtained from physicians' reports, death certificates, and interviews with physicians. We compared persons who took lethal medications prescribed under the act with those who died from similar illnesses but did not receive prescriptions for lethal medications. RESULTS: Information on 23 persons who received prescriptions for lethal medications was reported to the Oregon Health Division; 15 died after taking the lethal medications, 6 died from underlying illnesses, and 2 were alive as of January 1, 1999. The median age of the 15 patients who died after taking lethal medications was 69 years; 8 were male, and all 15 were white. Thirteen of the 15 patients had cancer. The case patients and controls were similar with regard to sex, race, urban or rural residence, level of education, health insurance coverage, and hospice enrollment. No case patients or controls expressed concern about the financial impact of their illness. One case patient and 15 controls expressed concern about inadequate control of pain (P=0.10). The case patients were more likely than the controls to have never married (P=0.04) and were more likely to be concerned about loss of autonomy due to illness (P=0.01) and loss of control of bodily functions (P=0.02). At death, 21 percent of the case patients and 84 percent of the controls were completely disabled (P<0.001). CONCLUSIONS: During the first year of legalized physician-assisted suicide in Oregon, the decision to request and use a prescription for lethal medication was associated with concern about loss of autonomy or control of bodily functions, not with fear of intractable pain or concern about financial loss. In addition, we found that the choice of physician-assisted suicide was not associated with level of education or health insurance coverage.  (+info)

(2/2176) Use of out-of-plan services by Medicare members of HIP.

Use of out-of-plan services in 1972 by Medicare members of the Health Insurance Plan of Greater New York (HIP) is examined in terms of the demographic and enrollment characteristics of out-of-plan users, types of services received outside the plan, and the relationship of out-of-plan to in-plan use. Users of services outside the plan tended to be more seriously ill and more frequently hospitalized than those receiving all of their services within the plan. The costs to the SSA of providing medical care to HIP enrollees are compared with analogous costs for non-HIP beneficiaries, and the implications for the organization and financing of health services for the aged are discussed.  (+info)

(3/2176) Insurance coverage of unintended pregnancies resulting in live-born infants--Florida, Georgia, Oklahoma, and South Carolina, 1996.

In the United States during 1994, approximately 49% of all pregnancies, excluding miscarriages, were unintended. Unintended pregnancy can result in adverse health outcomes that affect the mother, infant, and family. Little is known about the distribution of unintended pregnancy with respect to the payment source for health care. In the absence of data for periconceptional payment source for health care, prenatal-care payment source is used as a surrogate. To develop recommendations to reduce unintended pregnancy, CDC analyzed insurance coverage-specific prevalences of live-born infants from unintended pregnancies among women aged 20-34 years using data from the Pregnancy Risk Assessment and Monitoring System (PRAMS) for 1996 (the most recent year for which data are available). This report summarizes the results of this analysis, which indicates that the highest rates of unintended pregnancy occurred among women covered by Medicaid, with lower rates among women covered by health-maintenance organizations (HMOs) or private insurance.  (+info)

(4/2176) Explaining the decline in health insurance coverage, 1979-1995.

The decline in health insurance coverage among workers from 1979 to 1995 can be accounted for almost entirely by the fact that per capita health care spending rose much more rapidly than personal income during this time period. We simulate health insurance coverage levels for 1996-2005 under alternative assumptions concerning the rate of growth of spending. We conclude that reduction in spending growth creates measurable increases in health insurance coverage for low-income workers and that the rapid increase in health care spending over the past fifteen years has created a large pool of low-income workers for whom health insurance is unaffordable.  (+info)

(5/2176) Mental health/medical care cost offsets: opportunities for managed care.

Health services researchers have long observed that outpatient mental health treatment sometimes leads to a reduction in unnecessary or excessive general medical care expenditures. Such reductions, or cost offsets, have been found following mental health treatment of distressed elderly medical inpatients, some patients as they develop major medical illnesses, primary care outpatients with multiple unexplained somatic complaints, and nonelderly adults with alcoholism. In this paper we argue that managed care has an opportunity to capture these medical care cost savings by training utilization managers to make mental health services more accessible to patients whose excessive use of medical care is related to psychological factors. For financial reasons, such policies are most likely to develop within health care plans that integrate the financing and management of mental health and medical/surgical benefits.  (+info)

(6/2176) Mixed signals: public policy and the future of health care R&D.

The incentives facing health care research and development (R&D) are influenced by the ambiguous signals sent by private and public insurance decisions affecting the use of, and payments for, existing technologies. Increasingly, that uncertainty is exacerbated by confusion over technologies' impact on health care costs, how costs are to be measured, and the social difficulty of determining medical "need" for purposes of insurance coverage. R&D executives appear to believe that "major" advances are more likely to win such coverage and thus to be profitable. The products that result, therefore, may make the current policy dilemma of cost containment versus service restriction more acute rather than less so. If the aim of policy is to cut costs, innovative remedies are necessary.  (+info)

(7/2176) Is health insurance in Greece in need of reform?

This paper aims to assess the relationship between insurance contributions and health benefits in Greece by using information from sickness funds' accounts. The paper argues that the fragmentation of social health insurance, and the particular ways in which sickness funds' financial services are organized, are a major source of inequity and are grossly inefficient. The survival of these systems in the 1990s cannot be explained except on grounds of inertia and corporate resistance.  (+info)

(8/2176) Health insurance in developing countries: lessons from experience.

Many developing countries are currently considering the possibility of introducing compulsory health insurance schemes. One reason is to attract more resources to the health sector. If those who, together with their employers, can pay for their health services and are made to do so by insurance, the limited tax funds can be concentrated on providing services for fewer people and thus improve coverage and raise standards. A second reason is dissatisfaction with existing services in which staff motivation is poor, resources are not used to best advantage and patients are not treated with sufficient courtesy and respect. This article describes the historical experience of the developed countries in introducing and steadily expanding the coverage of health insurance, sets out the consensus which has developed about health insurance (at least in Western European countries) and describes the different forms which health insurance can take. The aim is to bring out the advantages and disadvantages of different approaches from this experience, to set out the options for developing countries and to give warnings about the dangers of some approaches.  (+info)


  • NEW YORK , Oct. 2, 2012 /PRNewswire/ -- Life insurance is often considered to be something that is advantageous for married couples and for families, but not especially useful for single adults. (
  • The service believes that they can provide a better value in many cases by utilizing the cash value within an already existing policy to fund a new and more advantageous life insurance policy. (

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  •, another name that comes up frequently when searching for life insurance quote sites, is more similar to in that they want contact information up front. (

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  • Instant quote sites claim to give you free, instant life insurance quotes from a number of companies with just the bare minimum of information. (
  • Consumers interested in viewing instant life insurance quotes on term life insurance or permanent life insurance can do so at (

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  • SAN FRANCISCO (MarketWatch) -- Fitch Ratings said late Tuesday it downgraded the insurer financial strength ratings of Genworth Financial Inc.'s GNW, -0.25% life insurance companies to A- from A+. (


  • WFG is a company that is passionate about life insurance. (
  • Also, like LifeQuotes, they give you some information about the life insurance company providing the quote. (
  • LONDON (MarketWatch) -- Dutch insurer Aegon NV AEG, +1.76% NL:30176 said it is improving the the terms of the life insurance component of its KoersPlan and other long-term life insurance spaarkas products, costing the company 200 million euros. (
  • But you'll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance. (
  • Learn the 5 most lenient insurance companies that approve (almost) anyone , including the company we send 90% of our tough cases to. (


  • After we put in our information, we got 16 quotes, most from large, well-known insurance companies, along with any disclaimers, such as exams required and approximate length of time it takes for approval. (


  • A non-profit organization, the I.I.I. argues that insurance is a vital consideration among singles-and that life insurance, in particular, can offer myriad benefits. (
  • To be fair, has more ground to cover because in addition to life insurance, they offer quotes and information for auto, health and home insurance. (


  • In addition to truly instant quotes, there is a ton of information about life insurance available on (
  • only quotes life insurance and has no other information or tools available. (
  •, a service which aids consumers to view the best life insurance quotes available, is today announcing their intention to reevaluate in-force policies which contain a cash value. (


  • The I.I.I. also notes that life insurance funds can go toward paying off "final expenses. (
  • Additionally, charitable contributions are mentioned as a possible way in which life insurance funds can be dispersed. (
  • Public health expenditure consists of recurrent and capital spending from government (central and local) budgets, external borrowings and grants (including donations from international agencies and nongovernmental organizations), and social (or compulsory) health insurance funds. (
  • Any funds left for a child with special needs, whether from an estate or the proceeds of a life insurance policy, should be held in trust for his or her benefit. (


  • If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums. (


  • If the estate is not large enough for this purpose, it can be made large enough through life insurance proceeds. (



  • According to a recent press release from the Insurance Information Institute, however, this way of thinking might be inaccurate. (
  • According to the I.I.I., life insurance is especially important for singles who have children. (
  • Health expenditure, public (% of total health expenditure) in United Kingdom was reported at 83.14 % in 2014, according to the World Bank collection of development indicators, compiled from officially recognized sources. (


  • WFG has responded with a press statement of its own, affirming the important role that life insurance can play, even in the lives of singles. (


  • WFG is also zealous about life insurance, and provides individuals and families with empowering information about the different life insurance options that exist. (
  • Yes, most individuals with Megacolon will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam. (


  • On August 6, 2010, Epstein Becker Green helped its client Fallon Community Health Plan, Inc. ('FCHP') obtain the reversal of the Massachusetts Division of Insurance ('Division') disapproval of certain of FCHP's premium rate increases. (
  • The Division had previously disapproved all premium rate increases filed by FCHP and other health insurance carriers for small business and individual customers that exceeded 7.7 percent - which was 150 percent of the New England Medical CPI for 2009. (
  • FCHP and the other affected health insurance carriers filed administrative appeals of the Division's disapprovals of their premium rates. (
  • The premium of the life insurance will be retroactively capped at 17% of the deposit, and the premium reduced by 10%, effective Jan. 1, 2006. (


  • For those without dependents, life insurance can still serve the purpose of ensuring the final expenditures are taken care of. (


  • WFG believes that education is empowering, and as such it seeks to provide accurate life insurance information to all of its customers. (