Insurance Carriers

保险承运人
  • 文章类型: Journal Article
    背景:全膝关节置换术(TKA)是一种常见的膝关节手术,并且先前的关节镜半月板切除术(AM)与普通人群中TKA的风险增加有关。
    目的:研究受伤工人的AM和TKA之间的关系,这些工人的医疗费用是根据工人补偿(WC)支付的。
    方法:追踪描述2007年至2017年进行的所有关节镜膝关节外科手术的17,247个损失时间索赔,并进行分析。
    结果:接受TKA的优势比为2.20,控制年龄,性别,和律师的参与。
    结论:接受AM与WC索赔人的TKA风险增加有关。
    BACKGROUND: Total knee arthroplasty (TKA) is a commonly performed knee surgery and prior arthroscopic meniscectomy (AM) has been linked to an increased risk of TKA in the general population.
    OBJECTIVE: To study the relationship between AM and TKA among injured workers whose medical care is paid for under workers\' compensation (WC).
    METHODS: A total of 17,247 lost-time claims depicting all arthroscopic knee surgical procedures performed from 2007 to 2017 were followed to the end of 2022 and analyzed.
    RESULTS: The odds ratio of undergoing a TKA for those with a preceding AM is 2.20, controlling for age, sex, and attorney involvement.
    CONCLUSIONS: Undergoing an AM is associated with an increased risk of TKA in WC claimants.
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  • 文章类型: Journal Article
    打击医疗保险欺诈对医生来说至关重要,病人,和健康保险公司。深入研究医患之间的医疗保险欺诈机制,本研究运用进化博弈理论构建了一个综合考虑道德风险的模型,欺诈成本,奖励,惩罚,病人的贿赂,和其他因素。通过对该模型的理论分析和数值模拟,研究发现,医疗保险欺诈治理行为的演变与其支付矩阵的初始构建和支付矩阵参数的初始选择密切相关。此外,加大对欺诈行为的惩罚力度,增加了医生和患者的欺诈成本,减少两者的道德风险可以有效地推动系统的最终战略走向非欺诈状态。这项研究旨在为医生提供有价值的见解和建议,病人,和医疗保险机构建立健全治理医疗保险欺诈行为的治理环境。
    Combating health insurance fraud is of utmost importance to physicians, patients, and health insurers. To delve into the mechanisms of health insurance fraud between doctors and patients, this study employed evolutionary game theory to construct a model that comprehensively considers moral hazard, fraud cost, reward, punishment, bribes from patients, and other factors. Through theoretical analysis and numerical simulation of the model, the study discovered that the evolution of governance behavior in health insurance fraud is closely linked to its initial construction of the payment matrix and the initial selection of parameters for the payment matrix. Additionally, increasing penalties for fraudulent behavior, increasing the cost of fraud for both doctors and patients, and reducing moral hazard for both can effectively drive the final strategy of the system toward a non-fraudulent state. The study aims to provide valuable insights and recommendations to doctors, patients, and medical insurance institutions in establishing a sound governance environment for managing fraud behavior in health insurance.
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  • 文章类型: Journal Article
    背景:日本自2008年以来一直在全国范围内进行年度健康检查计划,重点关注代谢综合征和随后对心血管疾病高危人群的健康指导。然而,在以往的报告中,健康指导邀请的依从率被认为较低.因此,本研究旨在表征项目的依从性模式,并确定健康指导邀请依从性的主要预测因子.
    方法:我们研究了186,316名成年人(40-74岁),他们在2017财年初被纳入日本全国雇主赞助的保险公司数据库。我们首先描述了坚持健康检查,高心血管风险个体的比例,坚持健康指导邀请。然后在符合条件的高风险个体中确定遵守邀请的预测因素。
    结果:在2017年,71.7%的研究人群(n=133,573)接受了健康检查,其中23.2%(n=30,979)因心血管风险高被邀请接受健康指导。在这些人中,35.2%(n=10,614)接受健康指导。改善对健康指导邀请的依从性的预测因素是年龄较大,更多关于血压或实验室数据结果,以及自我报告的改变生活方式的动机。
    结论:尽管70%的合格成年人参加了日本的年度心血管风险检查,只有35%的心血管疾病高危人群接受了健康指导邀请.未来的政策改革,以提高对这一计划的坚持应针对年轻的个人和那些患有轻度高血压的人,糖尿病,或血脂异常。
    Japan has conducted a nationwide annual health check-up program since 2008, focusing on metabolic syndrome and subsequent health guidance in individuals at high risk for cardiovascular disease. However, the adherence rate to health guidance invitations was assumed to be low in previous reports. Therefore, this study aimed to characterize adherence patterns in the program and identify major predictors of adherence to health guidance invitations.
    We studied 186,316 adults (aged 40-74 years) who were included in a nationwide employer-sponsored insurer\'s database in Japan at the beginning of the fiscal year 2017. We first described adherence to health check-ups, the proportion of individuals with high cardiovascular risk, and adherence to health guidance invitations. Predictors of adherence to the invitation were then identified among eligible high-risk individuals.
    In 2017, 71.7% of the study population (n = 133,573) underwent health check-ups, among whom 23.2% (n = 30,979) were invited for health guidance because of their high cardiovascular risk. Among those individuals, 35.2% (n = 10,614) received health guidance. Predictors of improved adherence to health guidance invitation were older age, more concerning blood pressure or laboratory data results, and self-reported motivation for a lifestyle change.
    Though 70% of eligible adults attended Japan\'s annual cardiovascular risk check-ups, only 35% of individuals with high cardiovascular risk adhered to health guidance invitations. Future policy reforms to improve adherence to this program should target younger individuals and those with mild stages of hypertension, diabetes, or dyslipidemia.
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  • 文章类型: Observational Study
    目的:探讨COVID-19相关损害的长期持续性和急性期后的工作能力。
    方法:分析了2020年1月1日至2021年12月31日之间提交的19,101名COVID-19工人的赔偿要求,随访至2022年5月31日。
    结果:平均工作损失时间从2020年第一季度的77.0天下降到2021年第四季度的9.2天,损失时间在30天或以上的索赔比例从40.4%下降到2.8天。
    结论:SARS-CoV-2大流行后期提出的COVID-19赔偿索赔的平均工作时间损失要低得多,WC索赔的比例要低得多,损失时间>30、60和150天。
    To explore the long-term persistence of COVID-19-related impairment and the ability to work after the acute phase of the illness.
    The 19,101 COVID-19 workers\' compensation claims filed between January 1, 2020, and December 31, 2021, with follow-up to May 31, 2022, were analyzed.
    The average time lost from work decreased from 77 days in the first quarter of 2020 to 9.2 days in the fourth quarter of 2021, and the proportion of claims with 30 days or more of lost time decreased from 40.4% to 2.8 days in the same time frame.
    COVID-19 indemnity claims filed in later quarters of the SARS-CoV-2 pandemic have much lower average time lost from work and lower proportions of workers\' compensation claims with more than 30, 60, and 150 days of lost time compared with earlier quarters.
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  • 文章类型: Journal Article
    Audit and feedback (A&F) is a valuable quality improvement strategy, which can contribute to de-implementation of low-value care. In the Netherlands, all health insurers collaboratively provide A&F to general practitioners (GPs), the \'Primary Care Practice Report\' (PCPR). Unfortunately, the use of this report by GPs is limited. This study examined the thoughts of GPs on the usability of the PCPR and GPs recommendations for improving the PCPR.
    We used an interpretative qualitative design, with think-aloud tasks to uncover thoughts of GPs on the usability of the PCPR and semistructured interview questions to ask GPs\' recommendations for improvement of the PCPR. Interviews were audiorecorded and transcribed ad verbatim. Data were analysed using thematic content analysis.
    We identified two main themes: \'poor usability of the PCPR\', and \'minimal motivation to change based on the PCPR\'. The GPs found the usability of the PCPR poor due to the feedback not being clinically meaningful, the data not being recent, individual and reliable, the performance comparators offer insufficient guidance to assess clinical performance, the results are not discussed with peers and the definitions and visuals are unclear. The GPs recommended improving these issues. The GPs motivation to change based on the PCPR was minimal.
    The GPs evaluated the PCPR as poorly usable and were minimally motivated to change. The PCPR seems developed from the perspective of the reports\' commissioners, health insurers, and does not meet known criteria for effective A&F design and user-centred design. Importantly, the GPs did state that well-designed feedback could contribute to their motivation to improve clinical performance.Furthermore, the GPs stated that they receive a multitude of A&F reports, which they hardly use. Thus, we see a need for policy makers to invest in less, but more usable A&F reports.
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  • 文章类型: Journal Article
    早期的研究表明,残疾索赔经验与返回工作成果之间存在相关性。因此,保险公司的角色和行为可能会影响残疾工人的自我评估健康和职业康复的结果。这项研究使有关保险公司在康复过程中的作用的现有经验证据多样化,并揭示了最能促进成功的关键行动。
    探索性因子分析(EFA)和验证性因子分析(CFA),其次是二元回归,用于分析在芬兰与收入相关的养老保险系统中经历过职业康复的残疾工人(n=661)的调查数据。
    索赔人对保险人的看法(1)高质量的通知和指导,(2)客户导向,(3)平稳的流程和(4)积极的服务态度在调整了所有可能的混杂变量后,对职业康复的成功具有实质性和统计学上的显着影响。
    保险公司的行为是职业康复结果的重要预测因素。保险公司可以通过确保流程顺畅和采用以客户为导向的方法,最有效地促进康复者的健康。
    Earlier studies indicate a correlation between disability claims experience and return to work outcomes. Thus, the insurer\'s role and actions may affect the self-rated health of the disabled worker and the outcomes of occupational rehabilitation. This study diversifies the existing empirical evidence on the role of the insurer in the rehabilitation process and reveals the critical actions that best promote success.
    Explorative factor analysis (EFA) and confirmatory factor analysis (CFA), followed by binary regression, were used to analyse survey data of disabled workers (n = 661) who had undergone an occupational rehabilitation within an earnings-related pension insurance system in Finland.
    The claimant\'s perceptions of the insurer\'s (1) high-quality informing and guidance, (2) customer orientation, (3) smooth process flow and (4) positive service attitude had substantial and statistically significant effects on the success of occupational rehabilitation after adjusting for all likely confounding variables.
    The insurer\'s actions are significant predictors of the outcome of occupational rehabilitation. The insurer can promote the health of rehabilitees most effectively by ensuring a smooth process flow and adopting a customer-oriented approach.
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  • 文章类型: Journal Article
    Digital health technologies enable patients to make a personal contribution to the improvement of their health by enabling them to manage their health. In order to exploit the potential of digital health technologies, Internet-based networking between patients and health care providers is required. However, this networking and access to digital health technologies are less prevalent in sociodemographically deprived cohorts. The paper explores how the use of digital health technologies, which connect patients with health care providers and health insurers has changed during the COVID-19 pandemic.
    The data from a German-based cross-sectional online study conducted between April 29 and May 8, 2020, were used for this purpose. A total of 1.570 participants were included in the study. Accordingly, the influence of sociodemographic determinants, subjective perceptions, and personal competencies will affect the use of online booking of medical appointments and medications, video consultations with providers, and the data transmission to health insurers via an app.
    The highest level of education (OR 1.806) and the presence of a chronic illness (OR 1.706) particularly increased the likelihood of using online booking. With regard to data transmission via an app to a health insurance company, the strongest increase in the probability of use was shown by belonging to the highest subjective social status (OR 1.757) and generation Y (OR 2.303). Furthermore, the results show that the higher the subjectively perceived restriction of the subjects\' life situation was due to the COVID-19 pandemic, the higher the relative probability of using online booking (OR 1.103) as well as data transmission via an app to a health insurance company (OR 1.113). In addition, higher digital literacy contributes to the use of online booking (OR 1.033) and data transmission via an app to the health insurer (OR 1.034).
    Socially determined differences can be identified for the likelihood of using digital technologies in health care, which persist even under restrictive conditions during the COVID-19 pandemic. Thus, the results indicate a digital divide with regard to the technologies investigated in this study.
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  • 文章类型: Journal Article
    健康保险是在获得医疗保健过程中防止经济困难的重要机制。自2005年尼日利亚国家健康保险计划(NHIS)启动以来,只有5%的尼日利亚人拥有健康保险,70%的人仍通过自费(OOP)支出为医疗保健提供资金。了解参与NHIS的利益相关者的背景观点对于推进和实施必要的改革以扩大尼日利亚国家和国家以下各级的健康保险覆盖面至关重要。本研究探讨了国家以下一级的行为者/利益相关者对尼日利亚NHIS设计和实施挑战的看法。
    本研究采用描述性案例研究设计。数据是在伊巴丹收集的,奥约州在2016年从健康保险监管机构,医疗保健提供者,和政策制定者。在有意选择的利益相关者中进行了关键线人访谈(KII),以检查他们对尼日利亚国家健康保险计划的设计和实施挑战的看法。借助NVIVO软件包11版,使用归纳和演绎主题方法对数据进行分析。
    确定的实施挑战包括赤贫,认识水平低,(对计划的)低兴趣,迷信信仰,低效的支付方式,药品缺货,行政和监督能力弱。该计划被认为为正规部门提供了更多的覆盖面,其自愿性和国家以下各级缺乏法律框架被视为总体政策挑战。目前只有NHIS工作人员为该计划提供所需的财务共同捐款,因为所有其他联邦雇员都由(联邦)政府支付。
    国家以下各级政府应建立法律框架,在国家以下各级建立强制性健康保险计划。需要有效和高效的平台来使非正规部门加入该计划。CBHI计划和目前批准的国家支持的健康保险计划可能比NHIS提供更可接受的平台,特别是在农村非正规部门。另外两个应该推广。还应提高认识和教育,以启发公民。利益相关者需要解决这些差距以及贫困问题。
    Health insurance is an important mechanism to prevent financial hardship in the process of accessing health care. Since the launch of Nigeria\'s National Health Insurance Scheme (NHIS) in 2005, only 5% of Nigerians have health insurance and 70% still finance their healthcare through Out-Of-Pocket (OOP) expenditure. Understanding the contextualized perspectives of stakeholders involved in NHIS is critical to advancing and implementing necessary reforms for expanding health insurance coverage at national and sub-national levels in Nigeria. This study explored the perspectives of sub-national level actors/stakeholders on the design and implementation challenges of Nigeria\'s NHIS.
    A descriptive case study design was used in this research. Data were collected in Ibadan, Oyo State in 2016 from health insurance regulators, healthcare providers, and policymakers. Key informant interviews (KII) were conducted among purposively selected stakeholders to examine their perspectives on the design and implementation challenges of Nigeria\'s National Health Insurance Scheme. Data were analysed using inductive and deductive thematic approaches with the aid of NVIVO software package version 11.
    Implementation challenges identified include abject poverty, low level of awareness, low interest (in the scheme), superstitious beliefs, inefficient mode of payment, drug stock-out, weak administrative and supervisory capacity. The scheme is believed to have provided more coverage for the formal sector, its voluntary nature and lack of legal framework at the subnational levels were seen as the overarching policy challenge. Only NHIS staff currently make required financial co-contribution into the scheme, as all other federal employees are been paid for by the (federal) government.
    Sub-national governments should create legal frameworks establishing compulsory health insurance schemes at the subnational levels. Effective and efficient platforms to get the informal sector enrolled in the scheme is desirable. CBHI schemes and the currently approved state supported health insurance programmes may provide a more acceptable platform than NHIS especially among the rural informal sector. These other two should be promoted. Awareness and education should also be raised to enlighten citizens. Stakeholders need to address these gaps as well as poverty.
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  • 文章类型: Journal Article
    BACKGROUND: Consumer mobility is an important aspect of a health insurance system based on managed competition. Both the general population and insured with a chronic illness should enjoy an equal opportunity to switch their insurer every year. We studied possible differences in the rates of switching between these two groups in the Netherlands.
    METHODS: A structured questionnaire was sent to 1500 members of Nivel\'s Dutch Health Care Consumer Panel (response rate: 47%) and to 1911 chronically ill members of the National Panel of the Chronically ill and Disabled (response rate: 84%) in February 2016. Associations between switching and background characteristics were estimated using logistic regression analyses with interaction effects.
    RESULTS: In general, we did not find significant differences in switching rates between the general population and chronically ill population. However, a combination of the population and background characteristics demonstrated that young insured with a chronic illness switched significantly less often than young insured from the general population (1% versus 17%).
    CONCLUSIONS: Our results demonstrated that the group of young people with a chronic illness is less inclined to switch insurer. This observation suggests that this group might either face difficulties or barriers which prevents them from switching, or that they experience a high level of satisfaction with their current insurer. Further research should therefore focus on unravelling the mechanisms which explain the differences in switching rates.
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  • 文章类型: Journal Article
    NetworkZ is a national, insurer-funded multidisciplinary simulation-based team-training programme for all New Zealand surgical teams. NetworkZ is delivered in situ, using full-body commercial simulators integrated with bespoke surgical models. Rolled out nationally over 4 years, the programme builds local capacity through instructor training and provision of simulation resources. We aim to improve surgical patient outcomes by improving teamwork through regular simulation-based multidisciplinary training in all New Zealand hospitals.
    Our primary hypothesis is that surgical patient outcomes will improve following NetworkZ. Our secondary hypotheses are that teamwork processes will improve, and treatment injury claims will decline. In addition, we will explore factors that influence implementation and sustainability of NetworkZ and identify organisational changes following its introduction. The study uses a stepped-wedge cluster design. The intervention will roll out at yearly intervals to four cohorts of five District Health Boards. Allocation to cohort was purposive for year 1, and subsequently randomised. The primary outcome measure is Days Alive and Out of Hospital at 90 days using patient data from an existing national administrative database. Secondary outcomes measures will include analysis of postoperative complications and treatment injury claims, surveys of teamwork and safety culture, in-theatre observations and stakeholder interviews.
    We believe this is the first surgical team training intervention to be implemented on a national scale, and a unique opportunity to evaluate a nation-wide team-training intervention for healthcare teams. By using a pre-existing large administrative data set, we have the potential to demonstrate a difference to surgical patient outcomes. This will be of interest to those working in the field of healthcare teamwork, quality improvement and patient safety. New Zealand Health and Disability Ethic Committee approval (#16/NTB/143).
    Australian and New Zealand Clinical Trials Registry ID ACTRN12617000017325 and the Universal Trial Number is U1111-1189-3992.
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