33 Matching Annotations
  1. Last 7 days
  2. Nov 2021
  3. Aug 2021
    1. Marc Lipsitch. (2021, July 20). At the risk of boiling down too much and certainly losing some detail, one way to summarize this wonderful thread is that when we think about vaccine effectiveness, we should think of 4 key variables: 1 which vaccine, 2 age of the person, 3 how long after vax, 4 vs what outcome. [Tweet]. @mlipsitch. https://twitter.com/mlipsitch/status/1417595538632060931

    1. Unfortunately, some patients receive "surprise doctor bills" when treated at an in-network facility (e.g., hospital) but not all the physicians who practice at that facility participate in their health plan's network. If you need to go to the hospital for a procedure that's not an emergency, ask whether every provider is in your health plan's network.

      A hospital might accept a specific insurance plan, but the doctor treating you might not. This means that patients have to do their due diligence in finding out if their physicians are in their net-work. This will avoid 'surprise doctor bills'.

    2. Keep in mind potential for waste or unnecessary spending. I think patients are starting to pay closer attention to the necessity of care rendered now because as more patients have high-deductible insurance plans, how they spend their money becomes critically relevant to them.

      A high-deductiable plan is an insurance which has a lower monthly payment at the cost of higher fees before the insurance covers the cost (deductible).

      Dr. Bauer from Hackensack Meridian Health sees more patients having higher-deductible insurance plans. This results in patients scrutinizing costs and tests because they have to pay for those directly.

  4. Jul 2021
    1. the underprivileged are priced out of the dental-treatment system yet perversely held responsible for their dental condition.

      How does this happen?

      Is it the idea of "personal responsibility" and "pull yourself up by the bootstraps" philosophy combined with lack of any actual support and/or education?

      There has to be a better phrase or word to define the perverse sort of philosophy espoused by many in the Republican party about this sort of "personal responsibility".

      It feels somewhat akin to the idea of privatize profits and socialize the losses. The social loss is definitely one that is pushed off onto the individual, but who's profiting? Is it really so expensive to fix this problem? Isn't the loss to society and public health akin to the Million Dollar Murray problem?

      Wouldn't each individual's responsibility be better tied to the collective good as well as their own outcomes? How can the two be bound together to improve outcomes for everyone all around?

    2. It was lack of insurance, lack of knowledge, lack of good nutrition – poverties into which much of the country was born.

      Poverty and thus lack of knowledge, lack of good nutrition, and lack of dental insurance are the cause of bad teeth in America. Apparently it's not drugs or sugar, though they surely don't help.

  5. Mar 2021
  6. Dec 2020
  7. Oct 2020
    1. Anomie (/ˈænəˌmi/) is a "condition in which society provides little moral guidance to individuals".[1] It is the breakdown of social bonds between an individual and the community, e.g., under unruly scenarios resulting in fragmentation of social identity and rejection of self-regulatory values.

      I can't help but see this definition and think it needs to be applied to economics immediately. In particular I can think of a few quick examples of economic anomie which are artificially covering up a free market and causing issues within individual communities.

      College Textbooks: Here publishers are marketing to professors who assign particular textbooks and subverting students which are the actual market and consumers of those textbooks. This causes an inflated market and has allowed textbook prices to spiral out of control.

      The American Health Care Market In this example, the health care providers (doctors, hospitals, etc.) have been segmented away from their consumers (patients) by intermediary insurance companies which are driving the market to their own good rather than a free-er set of smaller (and importantly local) markets that would be composed of just the sellers and the buyers. As a result, the consumer of health care has no ability to put a particular price on what they're receiving (and typically they rarely ever ask, even more so when they have insurance). This type of economic anomie is causing terrific havoc within the area.

      (Aside: while the majority of health care markets is very small in size (by distance), I will submit that the advent of medical tourism does a bit to widen potential markets, but this segment of the market is tiny and very privileged in comparison.)

  8. Sep 2020
    1. That’s what happened in Florida. Hurricane Andrew reduced parts of cities to landfill and cost insurers nearly $16 billion in payouts. Many insurance companies, recognizing the likelihood that it would happen again, declined to renew policies and left the state. So the Florida Legislature created a state-run company to insure properties itself, preventing both an exodus and an economic collapse by essentially pretending that the climate vulnerabilities didn’t exist.

      This is an interesting and telling example.

  9. Aug 2020
  10. Jun 2020
    1. We are an international financial and emigration services organisation

      Alexander Beard Group - International financial emigration services organisation, from life insurance, pensions to investment, we can help you in South Africa, USA, UK & France

  11. Feb 2020
    1. Every mortgage settlement requires at least two parties—the lender and the borrower. Nearly all mortgages, however, also involve various third parties.

      Annotation text

  12. Sep 2019
    1. But sustained Saudi outage of several million daily barrels would rattle markets, because of the lack of other players big enough to step in and provide enough supply to cover the shortfall longer term. Even if Saudi officials were successful in restoring all or most of the lost production, the attack demonstrates a new vulnerability to supply lines across the oil-rich Gulf. Tankers have been paying sharply higher insurance premiums, while shipping rates have soared in the region after a series of maritime attacks on oil-laden vessels, which the U.S. has blamed on Iran.
  13. Dec 2018
    1. Looking for cheap car insurance in Virginia should be carefully reviewed. Buying an car is expensive and you will be tempted to compensate the expense with cheap insurance. Cheap car insurance will result in being cost effective at the time of accident. You should buy inexpensive car insurance that gives you the compulsory minimum cover requisite in the Commonwealth of Virginia, the important covers to take care of your major expenses during an accident, and eliminates minor covers that may saddle you with a hefty premium payment. This will give you the satisfaction of driving a car with the support of adequate car insurance.
    2. Cheap Car Insurance in VA

      Virginia Car Insurance Laws The state of Virginia is unique among all other states when it comes to auto insurance requirements because it is possible to avoid having to buy and maintain a liability policy for price. Considered a bribe to the state by many, a UMV (Uninsured Motor Vehicle) fee of $500 may be paid to the state on a yearly basis which provides no coverage, but allows you to drive on the highways and roads at your risk. Not exactly a wise move in the current lawsuit-happy society that is USA, for those who wish to get real financial protection for themselves, the state also mandates minimum levels of liability insurance requirement that you can get Virginia insurance quotes for as well.

  14. Oct 2018
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