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PubMed1981

Private health insurance plans in 1978 and 1979: a review of coverage, enrollment, and financial experience.

The private health insurance industry collected $55.9 billion in premiums in 1979 and returned $50.2 billion in benefits to its subscribers. Premiums rose 12.4 percent, slightly faster than in 1978 when premiums rose 11.4 percent, to $49.7 billion. Benefits rose 11.4 percent in 1979, down from the 12.6 rate in 1978. After operating expenses were deducted, the industry showed underwriting losses of $1.4 billion in 1979 and $1.5 billion in 1978. About 78 percent of the population was insured for hospital care, 76 percent for x-ray and laboratory examinations, and about 76 percent for surgical services in 1979. Smaller percentages had coverage for other types of care. An estimated 64 percent of the aged bought private hospital insurance, and about 43 percent bought surgical insurance, mostly to supplement Medicare benefits. An estimated 12 percent of persons under age 65 had no protection against the cost of hospital care either through private insurance or a public program such as Medicare or Medicaid.

Insurance↗
PubMedDate not supplied

Liability crisis: the insurer's point of view.

Insurers now find themselves caught in the negative results of business and investment decisions made during times of high interest rates. High premiums and low coverage have been the tactic for recovery, but it ill-behooves insurance buyers to now forget that they benefited from that period of low premiums and easy access to insurance.

Health Facilities↗
PubMedDate not supplied

Financing long-term care: exploration, experiment and experience.

While the talk about how to pay for long-term care goes on, the need to act is upon us. Efforts are under way in the private sector to develop and test a variety of funding methods, and new ideas continue to surface. The Vice President, Regulatory Affairs, of the nation's largest geriatric rehabilitation services provider dissects a dozen private market approaches and their promises for the future.

Aged↗