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Why do people buy health insurance? Conventional theory holds that people purchase insurance because they prefer the certainty of paying a small premium to the risk of getting sick and paying a large medical bill. Conventional theory also holds that any additional health care that people purchase when they are insured is of such low value that it is not worth the costs of providing it. As a result, economists have promoted policies, such as cost sharing and managed care, to reduce consumption of this "low-value" care. This book presents a new theory of consumer demand for heath insurance. It holds that people purchase insurance to obtain additional "income" when they become ill. In effect, insurance companies take the premiums paid by those who remain relatively healthy and transfer them to those who come down with a serious disease. This additional income often allows sick persons to obtain medical care that they may not otherwise be able to afford. The value of health insurance, therefore, stems largely from the value of the additional health care that insurance makes possible, and has little, if anything, to do with preferences for certainty. Because its value lies largely in providing access to necessary health care, health insurance is held to be much more valuable under the new theory than the old. The new theory also implies that cost sharing and managed care -- central health policies of the last 30 years -- were largely directed at solving problems that did not exist. Because these policies either reduced the "income" transferred to ill persons or limited access to additional health care, they may have done more harm than good. The new theory suggests that insurancecoverage should be extended to the uninsured. It also provides a solid theoretical justification for implementing some form of national health insurance. The new theory emphasizes three constraints.

This current, accurate and detailed industry guide for financial service professionals examines life and health insurance "simultaneously from the viewpoints of the buyer, the advisor, and the insurer"--providing a comprehensive and unbiased treatise on individual and group life; a forthright appraisal of life and health insurance industry products with careful consideration of the environment; and a complete examination of life insurance company operations and regulation. Bases financial treatment of life insured operations on modern financial theory, and devotes entire chapters to the economics of life and health insurance; individual life and health insurance policies; life and health insurance evaluation; the uses of life and health insurance in personal and business planning; government and employee benefit plans; and the management, operation, and regulation of life insurance companies. Offers a strong global orientation, supporting fundamental concepts with an extensive integration of economic and financial theory and international comparisons, and examines how today's health insurance products fit into a broad framework from a contractual, cost, and performance viewpoints. New chapters on the tax treatment of life and health insurance address such areas as estate planning, retirement planning, and the business uses of life and health insurance. For financial planners, salesmen, actuaries, investment managers, attorneys, CPAs, and other financial service professionals.

Oxford Health Plans - Founded in 1984, Oxford Health Plans, LLC, A UnitedHealthcare Company, provides health plans to employers and individuals primarily in New York, New Jersey and Connecticut, through its direct sales force, independent insurance agents and brokers. Oxford’s commercial insured products and services include traditional health maintenance organizations, preferred and exclusive provider organizations, point-of-service plans and consumer-directed health plans.

Commerce National Insurance - Commerce National Insurance, Commerce National Insurance Services, or Commerce Insurance Services is the insurance subsidiary of Commerce Bancorp and maintains its headquarters in Cherry Hill, New Jersey. Commerce National is one of the 25 largest insurance agencies in the United States, and is licensed in all 50 states.

Federal Employees Health Benefit Plan - The Federal Employee Health Benefit Plan is a system of "managed competition" though which employee benefits are provided to full-time permanent civilian employees of the United States Government. It allows insurance companies and employee associations such as labor unions to develop health, dental, and allied plans to be marketed to governmental employees.

School of Health Sciences, Nanyang Polytechnic - Since 1992, the Nanyang Polytechnic School of Health Sciences (NYP SHS) is an establishment which develops skills for careers in Nursing, Physiotherapy, Occupational Therapy, Diagnostic Radiography and Radiation Therapy in Singapore. A new Diploma in Dental Therapy was offered for "O" level leavers from July 2003.

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