Insurance Carriers

保险承运人
  • 文章类型: Journal Article
    背景:由于敦促美国立法者在行为健康方面与幽灵网络作斗争,并解决提供商数据质量问题,更好地描述提供者目录的数据质量变化以了解根本原因并设计解决方案变得很重要。因此,这份手稿检查了地址的一致性,电话号码,以及保险公司从5个国家健康计划提供者目录中获取的医师条目的专业信息,专科医师,和国家。
    方法:我们将所有医生纳入了Medicare提供者注册,链条,和所有权系统(PECOS)在美国5家大型全国性健康保险公司的≥2家健康保险公司医生目录中找到。我们检查了地址一致性的变化,电话号码,以及保险公司在医生之间的专业信息,专科医师,和国家。
    结果:在PECOS数据库中,有634,914名独特的医生,449,282在≥2个目录中找到,并包括在我们的样本中。在保险公司中,地址信息的一致性从16.5%到27.9%不等,电话号码信息的一致性从16.0%到27.4%不等,专业信息的一致性从64.2%到68.0%不等。一般实践,家庭医学,整形手术,皮肤科医生的地址(37-42%)和电话号码(37-43%)的一致性最高,而麻醉学,核医学,放射学,急诊医学在健康保险公司目录中的地址(11-21%)和电话号码(9-14%)一致性最低.地址的一致性有明显的差异,电话号码,和国家的专业信息。
    结论:在评估美国医生的大量国家样本时,我们发现保险公司在提供者目录一致性方面的差异最小,这表明这是一个保险公司尚未解决的系统性问题,在更多面向患者的专业中,具有更高质量数据的医师专业差异很大,这表明医生可能会对提高数据质量的动机做出反应。这些数据突出了新的政策解决方案的重要性,这些解决方案利用以数据质量为目标的技术来集中提供商目录,以免不加强现有的数据质量问题或政策解决方案,以创建针对保险公司和医生团体的国家和州级标准,以最大限度地提高提供商信息的质量。
    BACKGROUND: As U.S. legislators are urged to combat ghost networks in behavioral health and address the provider data quality issue, it becomes important to better characterize the variation in data quality of provider directories to understand root causes and devise solutions. Therefore, this manuscript examines consistency of address, phone number, and specialty information for physician entries from 5 national health plan provider directories by insurer, physician specialty, and state.
    METHODS: We included all physicians in the Medicare Provider Enrollment, Chain, and Ownership System (PECOS) found in ≥ 2 health insurer physician directories across 5 large national U.S. health insurers. We examined variation in consistency of address, phone number, and specialty information among physicians by insurer, physician specialty, and state.
    RESULTS: Of 634,914 unique physicians in the PECOS database, 449,282 were found in ≥ 2 directories and included in our sample. Across insurers, consistency of address information varied from 16.5 to 27.9%, consistency of phone number information varied from 16.0 to 27.4%, and consistency of specialty information varied from 64.2 to 68.0%. General practice, family medicine, plastic surgery, and dermatology physicians had the highest consistency of addresses (37-42%) and phone numbers (37-43%), whereas anesthesiology, nuclear medicine, radiology, and emergency medicine had the lowest consistency of addresses (11-21%) and phone numbers (9-14%) across health insurer directories. There was marked variation in consistency of address, phone number, and specialty information by state.
    CONCLUSIONS: In evaluating a large national sample of U.S. physicians, we found minimal variation in provider directory consistency by insurer, suggesting that this is a systemic problem that insurers have not solved, and considerable variation by physician specialty with higher quality data among more patient-facing specialties, suggesting that physicians may respond to incentives to improve data quality. These data highlight the importance of novel policy solutions that leverage technology targeting data quality to centralize provider directories so as not to not reinforce existing data quality issues or policy solutions to create national and state-level standards that target both insurers and physician groups to maximize quality of provider information.
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  • 文章类型: Journal Article
    背景:最近的研究记录了特定行业中机构投资者共同所有权的日益普遍。那些投资者提供产品,例如共同基金和指数基金,代表他人进行证券交易,并经常拥有同一行业多家公司的股份,以使投资组合多样化。然而,目前,很少有研究关注医疗保健的共同所有权趋势。
    目的:本文研究了机构投资者在2013年至2020年间在MedicareD部分独立处方药计划(PDP)市场提供计划的主要保险公司的共同所有权。
    方法:使用美国证券交易委员会(SEC)数据库和证券价格研究中心的数据,我们计算机构投资者持有的每家保险公司流通股的百分比。数据可视化和网络分析用于评估主要保险公司共同所有权的趋势。
    结果:我们记录了PDP市场中共享机构投资者的高流行率和大幅增长。从2013年到2020年,共有程度平均增加了7%,共同所有权网络变得更加紧密。34个PDP地区的共同所有权也有所不同,具体取决于它们对上市保险公司的依赖程度,在证券交易所交易,提供独立的PDP。
    结论:MedicareD部分PDP市场的高和不断上升的普通股所有权引发了有关对计划产品的潜在影响的政策问题,保费,和消费者的质量。
    BACKGROUND: Recent studies document the rising prevalence of common ownership by institutional investors in specific industries. Those investors offer products, such as mutual and index funds, to trade securities on behalf of others and often own shares of multiple firms in the same industry to diversify portfolios. However, at present, few studies focus on common ownership trends in health care.
    OBJECTIVE: This paper examines institutional investors\' common ownership in the major insurers offering plans in the Medicare Part D stand-alone prescription drug plan (PDP) market between 2013 and 2020.
    METHODS: Using data from the Securities and Exchange Commission (SEC) database and the Center for Research in Securities Prices, we compute the percentages of outstanding shares of each insurer owned by institutional investors. Data visualization and network analysis are employed to assess the trends in common ownership among major insurers.
    RESULTS: We document a high prevalence of and substantial increase in shared institutional investors in the PDP market. From 2013 to 2020, the degree of common ownership increased by 7% on average, and the common ownership network became more connected. Common ownership also varies across the 34 PDP regions depending on their reliance on listed insurers, that are traded in the stock exchange, offering stand-alone PDPs.
    CONCLUSIONS: High and rising common ownership in the Medicare Part D PDP market raises policy questions about potential effects on plan offerings, premiums, and quality for consumers.
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  • 文章类型: Journal Article
    随着人们因COVID-19公共卫生紧急情况的结束而失去医疗补助,许多州将通过同一运营商将前医疗补助管理的医疗参与者转移到“平价医疗法案”市场覆盖范围中。2021年,52.1%的医疗补助管理医疗参与者是由一家运营商注册的,该运营商也在同一县的市场上制定了计划。
    As people lose Medicaid because of the end of the COVID-19 public health emergency, many states will route former Medicaid managed care enrollees into Affordable Care Act Marketplace coverage with the same carrier. In 2021, 52.1 percent of Medicaid managed care enrollees were enrolled by a carrier that also had a plan on the Marketplace in the same county.
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  • 文章类型: Journal Article
    医疗保健组织越来越多地参与活动,以识别和解决患者中健康的社会决定因素(SDOH),以改善健康结果并降低成本。虽然迄今为止的几项研究都集中在医院和医生在这些类型的人口健康活动中不断发展的作用上,人们对健康保险公司可能扮演的角色知之甚少。我们使用2006年至2018年国家公共卫生系统纵向调查的数据,研究了健康保险公司参与人口健康活动和支持这些活动的多部门合作网络的趋势。我们还使用了差异差异方法来研究医疗补助扩展对保险公司参与人口健康网络的影响。在我们的研究期间,保险公司在提供人口健康活动以及融入支持这些活动的协作网络方面的参与都有所增加。保险公司最有可能参加以社区健康评估和政策制定为重点的活动。我们调整后的差异模型的结果表明,保险公司参与人口健康网络与医疗补助扩展之间的关联存在差异(表2)。扩张州的人口健康网络经历了保险公司参与评估的显着增加(4.48个百分点,P<.05)和政策和规划(7.66个百分点,P<.05)活动。通过扩大医疗补助等政策机制来鼓励保险覆盖率,不仅可以改善获得医疗保健服务的机会,而且还可以作为保险公司融入人口健康网络的驱动力。
    Healthcare organizations increasingly engage in activities to identify and address social determinants of health (SDOH) among their patients to improve health outcomes and reduce costs. While several studies to date have focused on the evolving role of hospitals and physicians in these types of population health activities, much less is known about the role health insurers may play. We used data from the National Longitudinal Survey of Public Health Systems for the period 2006 to 2018 to examine trends in health insurer participation in population health activities and in the multi-sector collaborative networks that support these activities. We also used a difference-in-differences approach to examine the impact of Medicaid expansion on insurer participation in population health networks. Insurer participation increased in our study period both in the delivery of population health activities and in the integration into collaborative networks that support these activities. Insurers were most likely to participate in activities focusing on community health assessment and policy development. Results from our adjusted difference-in-differences models showed variation in association between insurer participation in population health networks and Medicaid expansion (Table 2). Population health networks in expansion states experienced significant increases insurer participation in assessment (4.48 percentage points, P < .05) and policy and planning (7.66 percentage points, P < .05) activities. Encouraging insurance coverage gains through policy mechanisms like Medicaid expansion may not only improve access to healthcare services but can also act as a driver of insurer integration into population health networks.
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  • 文章类型: Journal Article
    该观点描述了付款人改善性和性别少数群体健康结果的策略。
    This Viewpoint describes strategies for payers to improve health outcomes among sexual and gender minority people.
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  • 文章类型: Journal Article
    超过70%的医疗补助受益人参加了医疗补助管理式护理(MMC)。因此,MMC提供商网络代表了访问Medicaid计划的关键决定因素。许多MMC保险公司还参与价格高的商业保险市场,一些保险公司行使相当大的市场力量。在本文中,我们使用关联的全国注册数据和提供者目录数据,研究了商业保险公司市场力量与MMC医师网络广度之间的关系.拥有更多商业市场力量的保险公司拥有更广泛的医疗补助医生网络。市场份额超过30%的保险公司的医疗补助网络比没有商业市场份额的同一县的保险公司扩大了37.3%。这些差异是由初级保健提供者之间更大的广度驱动的,以及其他专家,包括妇产科医生,外科医生,神经学家,和心脏病学家。商业保险市场力量可能会对MMC受益人获得护理产生溢出效应。
    Over 70% of Medicaid beneficiaries are enrolled in Medicaid managed care (MMC). MMC provider networks therefore represent a critical determinant of access to the Medicaid program. Many MMC insurers also participate in commercial insurance markets where prices are high, and some insurers exercise considerable market power. In this paper, we examined the relationship between commercial insurer market power and MMC physician network breadth using linked national enrollment data and provider directory data. Insurers with more commercial market power had broader Medicaid physician networks. Insurers with over 30% market share had 37.3% broader Medicaid networks than insurers in the same county that had no commercial market share. These differences were driven by greater breadth among primary care providers, as well as other specialists including OB/GYNs, surgeons, neurologists, and cardiologists. Commercial insurance market power may have spillovers on access to care for MMC beneficiaries.
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  • 文章类型: Journal Article
    暂无摘要。
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    文章类型: Journal Article
    私人健康保险的成本上涨和公共卫生系统内的限制是全球关注的问题。基因检测为医疗保健提供了一个变革性的机会,以增强健康结果并通过个性化医疗优化资源分配,早期诊断,有针对性的治疗,管理式护理,改善药物开发。然而,出现道德和政策问题,包括隐私,歧视和公平获得测试。平衡这些与潜在的健康益处构成了一个复杂的挑战。虽然一些人主张限制健康保险公司使用遗传数据,其他人认为监管良好的私人保险可以确保负担能力,改善健康结果,和创新的护理采用。本文探讨了通过基因检测改善健康结果的例子,确定与保险公司使用遗传数据相关的风险领域,评估新西兰法律框架的充分性,并强调需要道德和公平的政策解决方案。更广泛的数据治理问题,算法中的偏见,人工智能和机器学习的含义需要单独探索。
    The rising cost of private health insurance and constraints within public health systems are global concerns. Genetic testing presents a transformative opportunity for health care to enhance health outcomes and optimise resource allocation through personalised medicine, early diagnosis, targeted treatments, managed care, and improved drug development. However, ethical and policy issues arise, including privacy, discrimination and equitable access to testing. Balancing these against potential health benefits poses a complex challenge. While some advocate for restricting health insurers from using genetic data, others argue that well-regulated private insurance can ensure affordability, improved health outcomes, and innovative care adoption. This article explores examples of improved health outcomes through genetic testing, identifies areas of risk related to insurers\' use of genetic data, evaluates the adequacy of New Zealand\'s legal framework, and emphasises the need for ethical and equitable policy solutions. The broader issues of data governance, biases in algorithms, and implications of artificial intelligence and machine learning warrant separate exploration.
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  • 文章类型: Journal Article
    目的:分析与COVID-19相关的美国商业保险支付与疾病严重程度和持续时间的关系。
    方法:回顾性数据库分析。
    方法:在2020年4月1日至2021年6月30日期间,MerativeMarketScan商业数据库中的COVID-19患者被识别并分层为无症状,温和,中度(有和没有下呼吸道疾病),根据急性COVID-19感染的严重程度,或严重/危急(S/C)疾病。估计所有患者的疾病持续时间(DOD)。DOD超过12周的患者被定义为患有COVID-19后病症(PCC)。结果是整个国防部的全因付款(ACP)和特定疾病付款(DSP)。变量包括急性疾病时的人口统计学和合并症。使用广义线性模型(具有对数链接的γ分布)估计按疾病严重程度调整后的支付。
    结果:共纳入738,339例患者(374,401例无症状,156,220轻度,180,213中度,和27,505个S/C案例)。DSP从无症状病例的217美元(95%CI,214-221美元)增加到中度下呼吸道疾病病例的2744美元(95%CI,2678美元-2811美元)和S/C病例的28,250美元(95%CI,26,963-29,538美元)。ACP从无症状病例的$505(95%CI,$497-$512)增加到S/C病例的$46,538(95%CI,$44,096-$48,979)。DSP和ACP进一步增加了50,736美元(95%CI,45,337美元-56,136美元)和94,839美元(95%CI,88,029美元-101,649美元),分别,在S/C病例中,PCC与DOD小于4周。
    结论:S/C病例的COVID-19支付额比中度病例高10倍以上,在S/C病例中,PCC与DOD不到4周的情况进一步增加了近95,000美元。
    To analyze US commercial insurance payments associated with COVID-19 as a function of severity and duration of disease.
    Retrospective database analysis.
    Patients with COVID-19 between April 1, 2020, and June 30, 2021, in the Merative MarketScan Commercial database were identified and stratified as having asymptomatic, mild, moderate (with and without lower respiratory disease), or severe/critical (S/C) disease based on the severity of the acute COVID-19 infection. Duration of disease (DOD) was estimated for all patients. Patients with DOD longer than 12 weeks were defined as having post-COVID-19 condition (PCC). Outcomes were all-cause payments (ACP) and disease-specific payments (DSP) for the entire DOD. Variables included demographic and comorbidities at the time of acute disease. Adjusted payments by disease severity were estimated using generalized linear models (γ distribution with log link).
    A total of 738,339 patients were included (374,401 asymptomatic, 156,220 mild, 180,213 moderate, and 27,505 S/C cases). DSP increased from $217 (95% CI, $214-221) for asymptomatic cases to $2744 (95% CI, $2678-$2811) for moderate cases with lower respiratory disease and $28,250 (95% CI, $26,963-$29,538) for S/C cases. ACP increased from $505 (95% CI, $497-$512) for asymptomatic cases to $46,538 (95% CI, $44,096-$48,979) for S/C cases. The DSP and ACP further increased by $50,736 (95% CI, $45,337-$56,136) and $94,839 (95% CI, $88,029-$101,649), respectively, in S/C cases with PCC vs a DOD of fewer than 4 weeks.
    COVID-19 payments for S/C cases were more than 10-fold greater than those of moderate cases and further increased by nearly $95,000 in S/C cases with PCC vs a DOD of fewer than 4 weeks.
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  • 文章类型: Journal Article
    目的:为了衡量和比较美国保险公司事先授权(PA)保单的范围,保险公司评估计划医疗必要性的过程,并量化保险公司之间的PA差异,专科医师,和临床服务类别。
    方法:横断面分析。
    方法:为美国私人管理的MedicareAdvantage覆盖的大多数受益人提供服务的五家保险公司的PA政策,2021年,适用于MedicareB部分中观察到的使用模式。
    方法:传统MedicareB部分中的30540086受益人。
    方法:根据MedicareAdvantage保险公司规则,政府管理的传统MedicareB部分支出和使用的比例。
    结果:保险公司要求在14130项临床服务中的944至2971项(中位数为1899;加权平均值为1429)占B部分支出的17%至33%(中位数为28%;加权平均值为23%)和B部分利用率的9%至41%(中位数为22%;加权平均值为18%)。40%的支出(570亿美元;450亿英镑;530亿欧元)和48%的服务利用率将需要至少一家保险公司的PA;12%的支出和6%的利用率将需要所有保险公司的PA。93%的B部分药物支出,或74%的药物使用,至少有一家MedicareAdvantage保险公司会要求PA。对于所有MedicareAdvantage保险公司,血液学和肿瘤学药物占PA支出的最大比例(范围27-34%;中位数33%;加权平均30%)。PA费率在各专业之间差异很大。
    结论:美国私人保险公司的PA政策差异很大。尽管达成了有限的共识,所有保险公司都广泛要求PA,特别是医生服用的药物。这些发现表明,政府管理的医疗保险和私人管理的医疗保险在覆盖政策方面存在巨大差异。结果可能会告知正在进行的努力,以更有效地将PA集中在低价值服务上,并减轻临床医生和患者的行政负担。
    To measure and compare the scope of US insurers\' policies for prior authorization (PA), a process by which insurers assess the necessity of planned medical care, and to quantify differences in PA across insurers, physician specialties, and clinical service categories.
    Cross sectional analysis.
    PA policies for five insurers serving most of the beneficiaries covered by privately administered Medicare Advantage in the US, 2021, as applied to utilization patterns observed in Medicare Part B.
    30 540 086 beneficiaries in traditional Medicare Part B.
    Proportions of government administered traditional Medicare Part B spending and utilization that would have required PA according to Medicare Advantage insurer rules.
    The insurers required PA for 944 to 2971 of the 14 130 clinical services (median 1899; weighted mean 1429) constituting 17% to 33% of Part B spending (median 28%; weighted mean 23%) and 9% to 41% of Part B utilization (median 22%; weighted mean 18%). 40% of spending ($57bn; £45bn; €53bn) and 48% of service utilization would have required PA by at least one insurer; 12% of spending and 6% of utilization would have required PA by all insurers. 93% of Part B medication spending, or 74% of medication use, would have required PA by at least one Medicare Advantage insurer. For all Medicare Advantage insurers, hematology and oncology drugs represented the largest proportion of PA spending (range 27-34%; median 33%; weighted mean 30%). PA rates varied widely across specialties.
    PA policies varied substantially across private insurers in the US. Despite limited consensus, all insurers required PA extensively, particularly for physician administered medications. These findings indicate substantial differences in coverage policies between government administered and privately administered Medicare. The results may inform ongoing efforts to focus PA more effectively on low value services and reduce administrative burdens for clinicians and patients.
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