Description: Direct Primary Care (DPC) is a newer model of primary care delivery in which patients or employers pay for care directly on a membership basis; insurance and other third-party payment is not used. Early studies show significantly improved patient health outcomes and lower expenditures for DPC patients compared with similar patients receiving traditionally delivered primary care. Additional research is needed to better understand physician perspectives about the model and the role of patient selection in early results.In this session we discuss research projects that may shed light on the DPC model and on whether early results indicate more about the model or about the patients who use it.We discuss an SoA research project that interviews DPC physicians to better understand their views about the model and its early results. We also discuss a paper that analyzes characteristics of patients who receive primary care from a DPC physician and compares them to characteristics of patients who receive primary care in more traditional ways. This cross-sectional study surveys all adult patients of a convenience sample of several DPC practices. Variables include demographics, socio-economic status (SES), type of additional coverage (if any), whether DPC fees are paid by an employer, and self-reported health status. The Medical Expenditure Panel Survey is the main source of comparison data. For a given cohort of demographics and additional coverage, we determine whether DPC patients have similar health status, demographics and SES as non-DPC patients. This study will provide insight into the degree of selection into DPC by observable patient characteristics.

Description: Employers who purchase disability insurance are increasingly interested in obtaining assistance with broader absence management services. At the same time, paid family leave is gaining in popularity both as a government-mandated benefit and in the context of private insurance plans. The speakers in this session review recent developments in the full spectrum of leave programs, including plan design, pricing and administration.

Description: The fundamentals of insurance, including claims management, are at the inception of true disruption. Insurtechs are using new business models via cutting-edge technologies to impact claims and other functions. Automation, machine learning and other aspects of tech are changing the way consumers experience claims.

Description: Top 10 myths and truths about EHRs.

Description: Medical/Technological Advances

Description: Forming a view on what the tail looks like for various risk factors involves both technical know-how and considerable judgment. The presenters focus on what needs to be addressed when setting financial market risk and insurance risk assumptions, in particular when assessing the question of diversification and the treatment of tail dependencies between risks and lines of business:

Description: This interactive panel discussion will cover perspectives on:</p><ul><li>the evolution of AG51 requirements, including practical considerations for implementation</li><li>the general evolution of long-term care insurance regulation</li><li>how both the public and private sector can help invigorate sales of long-term care insurance

Description: Over the last few years, many direct companies have started inforce management programs and are now navigating what actions can be taken to optimize the business. At the same time, the legal, compliance, and regulatory environments are also changing. The presenters will explore the development and implementation of programs such as changing non-guaranteed elements or efforts to improve experience while considering the changing compliance environment, including New York Regulation 210, ASOP2 and litigation challenges.

Description: Innovation has become a buzz word for insurers in recent years, with boards demanding more innovation and a trend to establish innovation teams and chief innovation officers.

Description: Predictive Analytics and Epigenetics are two of the most impactful driving forces for the future of healthcare, precision medicine, and insurance. Learn why this is true, how if will change the way our industry operates, and how you can stay viable and contribute to the betterment of humanity while also protecting the actuarial profession from obsolescence. Learn how personalized medicine keying off genetic testing is saving life insurers big dollars. The only limit seems to be testing access for their insureds.