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ActuarialOutpost Large LTC providers?  
11:16 16-May-08   [Replies: 0, Views: 10]    By: Unnamed
What are some large LTC providers? Is there a good place on the internet to start looking for companies that do LTC? I'm in life and have no idea where to start on this one. Thanks ...
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ActuarialOutpost DI Premium comparison  
14:39 9-May-08   [Replies: 0, Views: 117]    By: Unnamed
Are there any sites that show general premium comparisons for individual disability? I work in Life and know there are plenty of places to compare life insurance rates. Also, is a catastrophi...
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ActuarialOutpost Risk-based capital reserving method for self-funded employer  
14:51 5-May-08   [Replies: 0, Views: 156]    By: Unnamed
I noted that CalPERS has implemented the RBC reserving method in May 2004. I have been doing a lot of web surfing but no luck in finding details on the CalPERS RBC method (besides that it's set a...
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Health Boards Nightmare trying to get the IUD  
21:44 2-May-08   [Replies: 0, Views: 129]    By: Unnamed
***I'm sorry this is very long, but to really understand the situation I have to explain everything*** I'm trying to get Mirena IUD. I have been on birth control for about 10 years and I've t...
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ActuarialOutpost Congress votes to ban genetic discrimination  
15:41 1-May-08   [Replies: 9, Views: 250]    By: Unnamed
http://www.reuters.com/article/healt...39965520080501 [http://www.reuters.com/article/healthNews/idUSN0139965520080501]> Quote: A landmark bill to forbid discrimination ag...
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Health Boards Any Suggestions????  
14:59 29-Apr-08   [Replies: 0, Views: 149]    By: Unnamed
Two weeks ago my son got a prescription from his doctor that needs approved by his insurance company for payment. Still no word. He has called the pharmacy who is waiting for the approval, the doc...
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ActuarialOutpost Premium Deficiency Reserve Offsets  
12:22 28-Apr-08   [Replies: 10, Views: 332]    By: Unnamed
SSAP 54, paragraph 18 “For purposes of determining if a premium deficiency exists, contracts shall be grouped in a manner consistent with how policies are marketed, serviced and measured.” I...
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Health Boards guarantee issue/high risk pool states  
17:46 27-Apr-08   [Replies: 1, Views: 119]    By: Unnamed
Please let me know if I am wrong in my understanding of this issue. I live in NJ and NJ is guaranteed issue state. Basically I think it means that everybody in NJ can get health insurance insuranc...
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ActuarialOutpost Disability tables for Asian countries  
07:26 26-Apr-08   [Replies: 4, Views: 225]    By: Unnamed
Dear all, My boss wanted me to find some disability tables (incidence and termination rate) for Asian countries. Is there any table available? I tried to search for it but got nothing and the ...
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Health Boards Need Help With Healthcare!  
16:23 25-Apr-08   [Replies: 1, Views: 155]    By: Unnamed
I'm in pretty big trouble and I need some good advice. I injured my back a while back, and it's been keeping me from work. I'm self-employed and have no benefits. I've been getting treatment, but ...
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Health Boards Has Anyone Ever Had this Problem?????  
08:11 25-Apr-08   [Replies: 6, Views: 283]    By: Unnamed
I have insurance - I went to the doctor. Had lab work done. The doctor was a network provider. That was paid as an in-network expense. BUT the network provider sent the lab work to a n...
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ActuarialOutpost Best way to measure book of business trend  
16:09 24-Apr-08   [Replies: 10, Views: 293]    By: Unnamed
Group health insurance. Employer groups. I'm looking at final CAGR's regardless of time in our program. So, if a group was with us for 5 years, I am calculating an annual trend rate from yea...
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Health Boards hipaa question  
22:04 23-Apr-08   [Replies: 9, Views: 307]    By: Unnamed
I've been on my husband's insurance plan for the past several years. During that time I have become disabled (bipolar disorder). We are going to get our own insurance for him, myself and our da...
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ActuarialOutpost Individual Health Insurance  
16:59 23-Apr-08   [Replies: 6, Views: 364]    By: Unnamed
I thought I had asked this question before, but I can't find it. Does anyone know of any good sources for researching commercially available individual health policies? I live in TX if that matter...
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ActuarialOutpost GINA  
07:55 23-Apr-08   [Replies: 26, Views: 672]    By: Unnamed
http://www.nytimes.com/2008/04/23/bu...ss&oref=slogin [http://www.nytimes.com/2008/04/23/business/23gene.html?_r=1&ref=business&oref=slogin]> Is there a lot of talk in individual h...
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Health Boards Desperate - COBRA - TERMINATION - HOW DO REINSTATE?  
21:25 21-Apr-08   [Replies: 0, Views: 126]    By: Unnamed
On April 14, 2008, I received a letter from Ceridian, my COBRA provider, dated April 7, 2008, advising me that they terminated my health insurance benefits as of February 29, 2008 for lack of time...
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ActuarialOutpost Medicare bid process  
14:56 21-Apr-08   [Replies: 0, Views: 201]    By: Unnamed
Would anyone jump in and just explain the general concept? I know that the bidding process is involved, but I am just looking for the overall explanation of what this is. Any help is appreciated...
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Health Boards bipolar and finding new insurance  
11:36 19-Apr-08   [Replies: 1, Views: 161]    By: Unnamed
My husband recently quit his job and we intend to go on Cobra for as long as we can. Then we will have to find our own insurance as my husband will be working from home with his own little busine...
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Health Boards My experience with Private Insurance  
13:50 16-Apr-08   [Replies: 0, Views: 137]    By: Unnamed
I wanted to drop a line on getting long term disability from a private insurer. My work provides 15 weeks of short term disability and at 17 weeks it goes over to a private insurer for disability...
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Health Boards New to health care  
15:55 15-Apr-08   [Replies: 3, Views: 204]    By: Unnamed
I have health care in the U.S. through my job, and I don't understand some fundamental things about how it works. So I'd like to ask two questions: -- Where can I find a basic FAQ about what I...
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ActuarialOutpost Tier IV drugs  
10:50 14-Apr-08   [Replies: 12, Views: 480]    By: Unnamed
The copays on these make me ashamed to be part of the health insurance industry. Yes, I know they keep premiums down, but what are premiums for if not to give people peace of mind? If you get seri...
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Health Boards No help for my daughter  
09:42 13-Apr-08   [Replies: 10, Views: 363]    By: Unnamed
My daughter is disabled, she was going to get reg SS & medicare since she had problems as a child. Last minute they cahnged it to SSI & medicaid saying no proof of childhood problem. The t...
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ActuarialOutpost Mortality Higher for Uninsured  
16:34 11-Apr-08   [Replies: 5, Views: 417]    By: Unnamed
Lying with statistics (or, how did this get to be today's news?): Quote: Reports Shows How Many People Are Likely to Die in Each State Due to Lack of Health Coverage WA...
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ActuarialOutpost Reported Loss Ratios  
10:33 8-Apr-08   [Replies: 5, Views: 388]    By: Unnamed
I work with a small group health LOB and we're trying to spur some sales in South Dakota. An agnecy pointed me to the following on the state DOI website: http://www.state.sd.us/drr2/reg/insu....
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ActuarialOutpost AHWG/LHATF March 2008  
11:02 31-Mar-08   [Replies: 1, Views: 259]    By: Unnamed
Quote: Accident and Health Working Group of the Life and Health Actuarial Task Force Saturday, March 29, 2008. ... Discussed modifications to the Actuarial Opinion s...
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