Insurance

保险
  • 文章类型: Journal Article
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  • 文章类型: Journal Article
    背景:综合计算机步态分析(CGA)改变了骨科手术计划并改善了预后。尽管有这些记录的好处,CGA并不广泛适用于所有可以得到它帮助的患者。
    目标:健康的社会决定因素是否影响获得CGA?
    方法:对2021年至2022年CGA患者的回顾性回顾。转诊日期,保险批准和完成CGA,从患者记录中提取人口统计学和保险类型.邮政编码用于确定邻里社会经济地位(SES)。使用非参数统计学分析数据。
    结果:保险类型受授权时间影响(私人保险/自付:中位数9天;HMO保险:中位数51.5天;公共保险:中位数27天;p=0.0004)。一旦授权,保险类型不影响计划和完成CGA的时间(p=0.76).较低的邻域SES与较长的授权时间相关,但一旦授权,完成CGA的时间较短。重新安排时间与获得授权后完成CGA的时间更长(中位数29.5vs.16天,p<0.0001)。白色,非西班牙裔家庭比非白人或西班牙裔家庭更倾向于重新安排时间(35%与18%,p=0.07)。
    结论:了解CGA的障碍是必要的,以便设计和实施有效的策略,扩大其对所有可能受益的人的可用性。健康和保险类型的社会决定因素与CGA授权的延迟有关。与PPO/自付患者相比,拥有公共保险和HMO保险的家庭在获得保险授权方面会出现延迟,其测试不需要事先授权。然而,一旦授权,安排和完成CGA也可能会延迟。这是一个多方面的问题,需要进一步研究。
    BACKGROUND: Comprehensive computerized gait analysis (CGA) alters orthopedic surgical plans and improves outcomes. Despite these documented benefits, CGA is not widely available to all patients who could be helped by it.
    OBJECTIVE: Do social determinants of health impact access to CGA?
    METHODS: Retrospective review of patients seen for CGA from 2021 to 2022. Dates of referral, insurance approval and completion of CGA, demographics and insurance type were extracted from patient records. Zip codes were used to determine the neighborhood socioeconomic status (SES). Data were analyzed using non-parametric statistics.
    RESULTS: Insurance type affected time to authorization (private insurance/self-pay: median 9 days; HMO insurance: median 51.5 days; public insurance: median 27 days; p=0.0004). Once authorized, insurance type did not affect time to schedule and complete CGA (p=0.76). Lower neighborhood SES was associated with longer time to authorization but shorter time to complete CGA once authorized. Rescheduling was associated with longer time to complete CGA once authorized (median 29.5 vs. 16 days, p<0.0001). White, non-Hispanic families tended to reschedule more often than non-white or Hispanic families (35 % vs. 18 %, p=0.07).
    CONCLUSIONS: Knowledge of barriers to CGA is necessary in order to design and implement effective strategies to widen its availability to all whom it could benefit. Social determinants of health and insurance type are associated with delays in authorization for CGA. Families with public insurance and HMO coverage experience delays in obtaining insurance authorization compared to PPO/self-pay patients, whose tests did not require prior authorization. However, there can also be delays in scheduling and completing CGA once authorized. This is a multi-faceted issue that requires further research.
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  • 文章类型: Journal Article
    菲律宾是许多国家的劳动力来源。大约有1000万海外菲律宾人在菲律宾境外工作和生活。本文考察了社会人口统计学特征(性别,年龄,教育水平,和收入)和自我评估的身心健康,获得医疗保健,生活在圣克鲁斯德特内里费岛的菲律宾人的健康习惯,西班牙。通过方便的采样,年龄在18岁及以上的菲律宾移民(n=103)在2022年10月至2023年3月期间参加了在线调查。采用描述性统计分析和卡方法分析数据。几乎所有受访者都将自己的健康状况评为优秀和非常好。女性受访者更容易受到心理健康的影响。大多数人都参加了西班牙的全民卫生系统(公共保险)。在60岁及以上的受访者和高收入者中,私人健康保险的利用率更高。吸烟和饮酒与男性有关。超过一半的受访者每周偶尔或从不进行锻炼。这些发现表明,可能需要有针对性的干预措施,重点是预防性健康和促进健康的生活方式,特别是在经济上处于不利地位的移民中,他们获得的健康机会较少。
    The Philippines is a source of labor for many countries. Roughly 10 million overseas Filipinos are working and living outside of the Philippines. This paper examines the association between sociodemographic characteristics (sex, age, educational level, and income) and self-rated physical and mental health, access to healthcare, and health habits among immigrant Filipinos living in Santa Cruz de Tenerife, Spain. Through convenience sampling, Filipino migrants (n = 103) aged 18 years and above participated in the online survey between October 2022 and March 2023. The data were analyzed using descriptive statistical analysis and chi-square. Almost all respondents self-rated their health as excellent and very good. Female respondents are more affected by mental health. Most are enrolled in the Universal Health System of Spain (public insurance). There is more utilization of private health insurance among respondents aged 60 years and above and high-wage earners. Cigarette smoking and alcohol drinking are associated with males. More than half of the respondents perform weekly exercise occasionally or never. These findings suggest a potential need for targeted interventions with an emphasis on the practice of preventive health and the promotion of healthy lifestyles, especially among financially disadvantaged migrants with lesser health access.
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  • 文章类型: Journal Article
    本研究的主要目的是提出一种称为模糊网络数据包络分析(FNDEA)的创新方法,以评估具有两阶段结构的网络决策单元(DMU)的性能,同时考虑到数据的不确定性。为了实现这一目标,我们利用各种方法,包括非合作博弈(领导者-追随者)NDEA方法,Z数的概念,可信性理论,和机会约束规划(CCP)来建立模糊NDEA方法的模型。FNDEA方法提供了几个优点,例如所提出的FNDEA模型的线性,在模糊的情况下对两级DMU进行排名的能力,在不确定环境中提供独特的效率分解方法,以及处理Z信息的能力。为了证明所提出方法的适用性和有效性,在评估伊朗私人保险公司的绩效时,我们采用了Z-number网络数据包络分析(ZNDEA)方法。该实施的结果表明,所提出的ZNDEA方法适用于在存在数据歧义的情况下对保险公司进行测量和排名是有效的。
    The main aim of this research is to present an innovative method known as fuzzy network data envelopment analysis (FNDEA) in order to assess the performance of network decision-making units (DMUs) that possess a two-stage structure while taking into account the uncertainty of data. To attain this goal, we utilize various methodologies including the non-cooperative game (leader-follower) NDEA method, the concept of Z-number, credibility theory, and chance-constrained programming (CCP) to develop a model for the fuzzy NDEA approach. The FNDEA approach offers several advantages, such as the linearity of the presented FNDEA models, the ability to rank two-stage DMUs in situations of ambiguity, the provision of a unique efficiency decomposition method in an uncertain environment, and the capability to handle Z-information. To demonstrate the applicability and effectiveness of the proposed approach, we implement the Z-number network data envelopment analysis (ZNDEA) approach in assessing the performance of Iranian private insurance companies. The results of this implementation reveal that the proposed ZNDEA method is suitable and effective for measuring and ranking insurance companies in situations where data ambiguity is present.
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  • 文章类型: Journal Article
    背景:抑郁症显著影响冠心病患者的生活质量和医疗护理。这项研究评估了40岁及以上冠心病患者的抑郁负担,并评估了该人群中抑郁的预测因素。据报道,大约17-44%的CHD患者被诊断患有严重的抑郁症,并且近27%的接受冠状动脉旁路移植手术的个体在手术后患有抑郁症。方法:使用2022年全国健康访谈调查数据。样本由40岁及以上患有冠心病的成年人组成。卡方分析用于确定抑郁症患者与抑郁症患者之间的差异。Logistic和序数回归分析用于确定抑郁症和重度抑郁症的预测因子。分别。
    结果:40岁及以上的冠心病患者报告患有抑郁症的比例为863/1700(50.5%)。在≥65岁的人群中,报告抑郁症和未报告抑郁症的比例相似(49.3%vs.50.7%)。大多数女性报告患有抑郁症(57.4%vs.42.6%),而较少的男性报告患有抑郁症(46.3%vs.53.7%)。抑郁症的积极预测因素包括被保险(赔率比(OR)1.26(1.05-1.53),p=0.016),大学学位(OR1.09(1.01-1.18),p=0.040),糖尿病(OR1.28(1.15-1.42),p<0.001),和高血压(OR1.34(1.24-1.44),p<0.001)。抑郁的阴性预测因素是年龄≥65(OR0.74(0.69-0.80),p<0.001),男性(OR0.54(0.50-0.58),p<0.001),家庭收入比率(RFI)≥1(OR0.68(0.61-0.77),p<0.001)。严重抑郁症的阳性预测因子包括糖尿病(OR1.38(1.06-1.81),p=0.019)和当前香烟使用(OR2.10(1.44-3.07),p<0.001)。
    结论:40岁及以上的冠心病成年人中有很大一部分患有抑郁症,社会经济和心血管危险因素与抑郁症的可能性很高。心血管危险因素单独预测严重抑郁症的可能性。应对冠心病抑郁症的干预措施应特别针对这些高危人群。
    BACKGROUND: Depression significantly impacts the quality of life and medical care in patients with coronary heart disease (CHD). This study assesses the burden of depression in adults aged 40 years and above with CHD and evaluates predictors of depression in this population. It has been reported that approximately 17-44% of persons with CHD have a major depression diagnosis and that nearly 27% of individuals undergoing coronary artery bypass graft operation suffer depression following the procedure.  Methods: Data from the 2022 National Health Interview Survey was used. The sample was made up of adults 40 years and above with CHD. A chi-square analysis was used to identify differences between those who were depressed and those who were not. Logistic and ordinal regression analyses were used to identify predictors of depression and severe depression, respectively.
    RESULTS: The proportion of adults 40 years and above with CHD who reported having depression was 863/1700 (50.5%). Among those who were ≥65, the proportion of those who reported depression and those who did not were similar (49.3% vs. 50.7%). Most women reported having depression (57.4% vs. 42.6%), while fewer men reported having depression (46.3% vs. 53.7%). The positive predictors of depression include being insured (odds ratio (OR) 1.26 (1.05-1.53), p = 0.016), college degree (OR 1.09 (1.01-1.18), p = 0.040), diabetes mellitus (OR 1.28 (1.15-1.42), p < 0.001), and hypertension (OR 1.34 (1.24-1.44), p < 0.001). The negative predictors of being depressed were age ≥65 (OR 0.74 (0.69-0.80), p < 0.001), male sex (OR 0.54 (0.50-0.58), p < 0.001), and ratio of family income (RFI) ≥1 (OR 0.68 (0.61-0.77), p < 0.001). The positive predictors of severe depression include diabetes mellitus (OR 1.38 (1.06-1.81), p = 0.019) and current cigarette use (OR 2.10 (1.44-3.07), p < 0.001).
    CONCLUSIONS: A significant proportion of adults 40 years and above with CHD have depression, and socioeconomic and cardiovascular risk factors are associated with a high likelihood of depression. Cardiovascular risk factors alone predict the likelihood of severe depression. Interventions to address depression in CHD should target specifically these high-risk individuals.
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  • 文章类型: Journal Article
    背景:保险公司通常在批准无创伤性肩袖(RTC)撕裂患者的MRI之前,必须进行6周的物理治疗(PT)。虽然这是为了限制不必要的成像顺序,它可以增加医疗成本和延迟诊断和手术。这项研究调查了骨科提供者在初次咨询肩痛时订购MRI时,全厚度和部分厚度撕裂的发生率。
    方法:对因慢性肩痛在初次骨科会诊后进行MRI检查的患者进行回顾性分析。测量的主要结果是由MRI报告确定的RTC撕裂的存在。从我们机构的财务数据库中收集了这些患者的6周PT费用与立即MRI费用的比较。方差分析,独立的T检验,采用卡方检验分析组间差异。
    结果:共纳入365例患者。患者之间的人口统计学没有显着差异,局部,或者没有眼泪,除了全层泪液患者年龄较大。具体来说,43.0%有全层撕裂,24.7%有部分厚度撕裂,32.2%的MRI无撕裂。总共56.1%的全层撕裂进行了手术。没有对比的上肢MRI的平均费用为2,268美元,而为期六周的每周两次PT总计为2,328美元。
    结论:在没有保守治疗史的情况下,超过67%的MRI医嘱显示出RTC撕裂的阳性结果,保持在67.2%。验证专家对RTC撕裂的临床怀疑和MRI的指征。因此,当骨科提供者认为MRI用于临床决策时,满足保险要求的预MRIPT可能会延迟干预并增加医疗保健成本。
    BACKGROUND: Insurance companies often mandate six weeks of physical therapy (PT) prior to approving MRIs for patients with atraumatic rotator cuff (RTC) tears. While this is designed to limit unnecessary imaging orders, it can increase healthcare costs and delay diagnosis and surgery. This study investigated the incidence of full- and partial-thickness tears when an MRI was ordered at the time of initial consultation for shoulder pain by an orthopedic provider.
    METHODS: A retrospective review of patients who had an MRI ordered upon initial orthopedic consultation for chronic shoulder pain was conducted. The primary outcome measured was the presence of RTC tears as determined by the MRI report. The cost of six weeks of PT versus the cost of immediate MRI in these patients was collected from our institution\'s financial database. ANOVA, independent T-test, and chi-square test were used to analyze the differences between groups.
    RESULTS: A total of 365 patients were included. There were no significant differences in demographics between patients with full, partial, or no tears, with the exception that patients with full-thickness tears were older. Specifically, 43.0% had a full-thickness tear, 24.7% had a partial-thickness tear, and 32.2% had no tear on MRI. A total of 56.1% of the full-thickness tears proceeded to surgery. The cost of an upper extremity MRI without contrast averages $2,268, while two sessions of PT per week for six weeks totals $2,328.
    CONCLUSIONS: Over 67% of MRI orders yielded a positive finding of an RTC tear and remained at 67.2% in the absence of a history of conservative treatment, validating a specialist\'s clinical suspicion for an RTC tear and indication for MRI. Pre-MRI PT to satisfy insurance requirements may therefore delay intervention and increase healthcare costs when an orthopedic provider believes an MRI is warranted for clinical decision-making.
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  • 文章类型: Journal Article
    在COVID-19大流行之前,在医疗保健环境之外,使用现场护理(POC)测试相对罕见。对于大流行期间公众对POC测试的看法如何变化知之甚少。
    我们向无偿志愿者重新部署了经过验证的调查,以评估2022年6月至9月之间对即时护理测试(POCT)福利和担忧的偏好。我们共收到292份已完成的调查。线性回归分析用于比较2020年至2022年调查平均响应分数(ARSs)的差异。
    受访者表示,2022年同意所有16项POCT福利。在14个POCT问题中,受访者最常同意的只有两种说法,其中“保险可能不包括POC测试的费用”(ARS0.9,±1.0)和“POC测试可能无法提供明确的结果”(ARS0.1,±1.0)。此外,在比较2020年至2022年的调查回复时,我们观察到POCT危害和益处的8个显著趋势。
    随着时间的推移,公众对POC测试的看法变得更加有利。然而,对POCT结果的可负担性和可靠性的担忧仍然存在。我们建议利益相关者通过开发准确的POC测试来解决这些问题,以继续改善护理并促进所有人获得医疗保健。
    UNASSIGNED: The use of point-of-care (POC) tests prior to the COVID-19 pandemic was relatively infrequent outside of the health care context. Little is known about how public opinions regarding POC tests have changed during the pandemic.
    UNASSIGNED: We redeployed a validated survey to uncompensated volunteers to assess preferences for point-of-care testing (POCT) benefits and concerns between June and September 2022. We received a total of 292 completed surveys. Linear regression analysis was used to compare differences in survey average response scores (ARSs) from 2020 to 2022.
    UNASSIGNED: Respondent ARSs indicated agreement for all 16 POCT benefits in 2022. Of 14 POCT concerns, there were only 2 statements that respondents agreed with most frequently, which were that \"Insurance might not cover the costs of the POC test\" (ARS 0.9, ± 1.0) and \"POC tests might not provide a definitive result\" (ARS 0.1, ± 1.0). Additionally, when comparing survey responses from 2020 to 2022, we observed 8 significant trends for POCT harms and benefits.
    UNASSIGNED: The public\'s opinion on POC tests has become more favorable over time. However, concerns regarding the affordability and reliability of POCT results persist. We suggest that stakeholders address these concerns by developing accurate POC tests that continue to improve care and facilitate access to health care for all.
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  • 文章类型: Journal Article
    欺诈活动,特别是在汽车保险和信用卡交易中,给企业和个人造成了巨大的经济损失。为了克服这个问题,我们提出了一种新的欺诈检测方法,将卷积神经网络(CNN)与支持向量机(SVM)相结合,k最近邻(KNN),朴素贝叶斯(NB),和决策树(DT)算法。这种方法的核心在于利用从CNN提取的深层特征作为各种机器学习模型的输入。从而大大有助于提高欺诈检测的准确性和效率。我们的研究结果表明,与以前的研究相比,我们的研究表现优异,突出了我们的模式在打击欺诈活动中被广泛采用的潜力。
    Fraudulent activities especially in auto insurance and credit card transactions impose significant financial losses on businesses and individuals. To overcome this issue, we propose a novel approach for fraud detection, combining convolutional neural networks (CNNs) with support vector machine (SVM), k nearest neighbor (KNN), naive Bayes (NB), and decision tree (DT) algorithms. The core of this methodology lies in utilizing the deep features extracted from the CNNs as inputs to various machine learning models, thus significantly contributing to the enhancement of fraud detection accuracy and efficiency. Our results demonstrate superior performance compared to previous studies, highlighting our model\'s potential for widespread adoption in combating fraudulent activities.
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  • 文章类型: Journal Article
    目的:本研究旨在使用全球共识标准调查营养不良与医疗和长期护理综合设施(IFLC)居民的食物质地水平之间的关系。这是日本新的长期护理保险设施。
    方法:这项单中心研究采用回顾性横断面设计。该研究于2021年11月1日至30日进行,研究参与者是研究期间进入IFMLC的居民。根据全球营养不良领导力倡议(GLIM)标准诊断营养不良。根据国际吞咽困难饮食标准化倡议(IDDSI)框架对患者入院时消耗的食物质地水平进行分类。使用多变量逻辑回归模型来确定所消耗的食物质地水平与营养不良之间的关联。
    结果:本研究共分析了98名老年居民。参与者的平均年龄为88岁,68(69%)女性参与者被纳入。IDDSI框架水平在7级和6级为24%,在5级和4级为26%。低BMI的患病率存在显着差异,肌肉质量减少,在IDDSI框架水平4和7之间注意到食物摄入或同化减少。多因素logistic回归分析营养不良,同时调整潜在的混杂因素。IDDSI4级(赔率比,5.074;95%置信区间,1.059-28.092;p=0.042)消费与营养不良独立相关。
    结论:使用IDDSI框架分类的较低食物质地水平的消费与IFMLC居民较高的营养不良患病率相关。
    OBJECTIVE:  This study aims to investigate the association between malnutrition using the global consensus criteria and food texture levels in residents of Integrated Facilities for Medical and Long-Term Care (IFMLCs), which are new long-term care insurance facilities in Japan.
    METHODS: This single-center study had a retrospective cross-sectional design. The study was conducted from November 1 to 30, 2021, and the study participants were residents admitted to an IFMLC during the study period. Malnutrition was diagnosed according to the Global Leadership Initiative on Malnutrition (GLIM) criteria. Food texture levels consumed by patients at admission were categorized based on the International Dysphagia Diet Standardization Initiative (IDDSI) framework. Multivariate logistic regression models were used to determine the association between the food texture levels consumed and malnutrition.
    RESULTS: A total of 98 older residents were analyzed in this study. The median age of the participants was 88 years, and 68 (69%) female participants were included. The IDDSI framework levels were 24% in levels 7 and 6 and 26% in levels 5 and 4. A significant difference in the prevalence of low BMI, reduced muscle mass, and reduced food intake or assimilation was noted between IDDSI framework levels 4 and 7. Multivariate logistic regression analysis was performed for malnutrition, adjusting simultaneously for potential confounders. IDDSI level 4 (odds ratio, 5.074; 95% confidence interval, 1.059-28.092; p=0.042) consumption was independently associated with malnutrition.
    CONCLUSIONS: The consumption of lower food texture levels categorized using the IDDSI framework was associated with a higher malnutrition prevalence in IFMLC residents.
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  • 文章类型: Journal Article
    作者为胸外科医生提供了一个简短的概述,主题对于实现学生的财务福祉至关重要。实习生,执业外科医生,和超越。虽然性质广泛,作者的文章很全面,它们涵盖的主题包括学生贷款,资产和财富管理,投资机会,财务和遗产规划,和保险。希望提供的信息将使胸外科医师更加熟悉与胸外科医师有关的财务主题,并提供介绍,以更彻底地探索财务健康和素养。
    The authors provide a brief overview for thoracic surgeons in topics essential to achieving financial well-being as a student, trainee, practicing surgeon, and beyond. While broad in nature, the authors\' article is comprehensive, and they cover topics including student loans, asset and wealth management, investment opportunities, financial and estate planning, and insurances. It is hoped that the information provided will allow thoracic surgeons to become more familiar with the financial topics that pertain to thoracic surgeons and provide an introduction to explore financial wellness and literacy more thoroughly.
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