FALL 2005
IN THIS ISSUE

    OUTLOOK FOR 2006
    UP CLOSE
    D DAY FOR MEDICARE
    AHIP BUSINESS FORUM
    NEWS YOU CAN USE

 
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Understanding Carve-Out Coverage

For some time now, the HMO/Managed Care Industry has embraced the concept of disease management for chronic disease states such as asthma, diabetes, COPD, CHF and others for reasons that are very clear:

  1. They found they can more effectively provide continuity of care across a wide spectrum of complex medical needs, which result in better clinical outcomes.

  2. Quality care is cost effective care, and the economic outcomes achieved and
    support it.

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Outlook for 2006


Although the impact of the season’s three big hurricanes have dominated the news about the property & casualty reinsurance insurance industry, the severe weather will not have a major, direct
impact on the healthcare reinsurance industry.

As of late October, the three hurricanes were expected to generate more than $30 billion in claims, prompting many P&C insurance companies to declare losses for the quarter and to announce rate increases for 2006.

A few large reinsurance carriers that offer both P&C and health reinsurance have separate divisions and separate reserve accounts for the business units. Other health reinsurance carriers have no P&C business.

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