Description: Presented at April 1985 Spring Meeting. Addresses questions being asked about the future of health care financing: 1. Will the traditional insurer-based program be the predominant financing mechanism in the future? 2. Will Preferred Provider Organizations, Health Maintenance Organizations or other mechanisms displace current approaches? What additional institutions will enter this field? 3. What major factors will determine the outcome?

Description: Presented at October 1986 Annual Meeting. This session discussion is about joint ventures between Health Maintenance Organizations 'HMOs' and insurance companies, dual or triple option rating strategies, how these ventures are structured from a financial standpoint, and how separate organizational objectives are met.

Description: Medical management programs have traditionally addressed more acute and short-term issues with chronic disease. As LTC becomes an important product in the insurance industry, including disease management is likely to be valuable for reducing costs and prolonging the healthy, premium-paying portion of a claimant's life.

Description: Mental health spending has reached $147 billion in the United States with demand only increasing greatly impacting society as nearly 1 in 5 experience these issues. There are even more indirect costs associated with mental health causing a national crisis surpassing 1 percent of the GDP. These costs coupled with the severe lack of licensed clinicians calls for an innovative solution. Through years of development and completion of a randomized controlled trial, Prevail has built and validated a low-cost, scalable solution. Prevail's clinically proven digital mental health treatment provides increased access to care while reducing overall health costs. Private and public payors should being reimbursing this model and offering it to their members.

Description: Shannon Brownlee shares her perspectives on the current health care crisis, including: inconsistent treatment patterns across providers and geographic regions, providers lacking evidence-based guidelines, the need for better independent clinical research to establish those guidelines, and the limits to consumerism's potential to fix the crisis.

Description: This session discusess managing mental health cost through benefit structures, utilization review, and mandated benefits. From the Record of the SOA 1990 Vol. 16 No. 1

Description: The Affordable Act's risk corridor program is a temporary feature that applies to individual and small group QHPs from 2014 through 2016. Designed to protect insurers against pricing uncertainty, the program appears straightforward but has many subtle consequences. In this article, we review the need for risk corridors, the calculation itself, and the implications that result.

Description: Presented at April 1985 Spring Meeting. This session discussed: Products - design, policy provisions, impact from changes in the health care system, Marketing - traditional and alternative distribution systems and concept of product brokerage, and Administration - cost effectiveness, group trust mechanisms, use of technology, regulatory environment.

Description: Presented at October 1986 Annual Meeting. This session discussion is about recent trends in direct response marketing. This discussion will be led by two prominent direct response marketing professionals. Their initial remarks will provide a contrast of the growth strategies of a large established direct response company with those of a smaller, more recent entrant into this increasingly competitive market.

Description: Discussion of LTC insurance product developments being spurred by recent demographic and regulatory trends, especially combination products such as LTC benefits with disability income, annuities, and life insurance. Several viable product styles are considered, along with the pros and cons of each.