This speech concentrates on a discussion of the increasing difficulty that school districts are experiencing in obtaining insurance coverage. The speaker offers school administrators some suggestions to assist them in securing the necessary coverage and suggests that when an insurance market is open and competitive, purchasing through bidding is…

This booklet is intended to help students gain a broad understanding of the meaning, characteristics, organization, products, and functions of the insurance industry. The following topics are discussed: the concept of and need for insurance; basic principles of insurance (risk assessment, insurability and insurable interest, determination of…

The pros and cons of state laws mandating mental health insurance are discussed in this report. The history of a 1985 Supreme Court case which held that states could mandate mental health benefits introduces the report. In an overview of the issue, the long-standing argument between the insurance industry and the mental health establishment is…

There are many ways a school district can reduce the cost of insuring employees, equipment, and buildings. (Author/MLF)

Prior to the enactment of the State Children's Health Insurance Program (SCHIP), policymakers examined the need to safeguard the private insurance market from "crowd out," the substitution of public health insurance coverage for private health insurance coverage. This qualitative study examined how 18 states are addressing crowd out, the…

This report explains the major considerations in developing group health insurance coverage for public school personnel. A general overview is given of (1) group health insurance coverage, (2) patterns of group health insurance, (3) group health insurance organizations, (4) eligibility and enrollment practices, and (5) continuous health insurance…

A study examined one state's suggestion for more cost-effective health insurance for teachers. Health insurance coverage for public school teachers in Wisconsin is determined through a collective-bargaining process. The Wisconsin Education Association (WEA) Insurance Corporation is affiliated with the states largest teachers' union and provides…

Professional counselors are often uninformed about insurance matters. This monograph is for counselors who wish to participate in third-party reimbursement activities. The text addresses general issues related to professional counselors and health care reimbursement. It describes major health reimbursement plans such as Blue Cross/Blue Shield,…

Examines the benefits which need to be included in a health care reform program to improve coverage for children and adolescents. Reviews three criteria (medical necessity, insurability, and cost effectiveness) that may be used to develop a benefits package and finds them of limited utility. Maintains that informed consensus is the most reliable…

This report describes the activities of the United States House of Representatives Subcommittee on Health and Long-Term Care in its effort to examine abuses in the sale of nursing home insurance. Earlier Congressional studies of abuses in the sale of health insurance to the elderly are discussed as background material for the present…

The Peoria Public Schools' medical self-insurance program has cut administrative overhead in half. Details of the program are examined. (MLF)

The private health financing system in the United States does not meet the needs of much of the population, especially midlife women (aged 35-65). It is no longer possible for anyone but the richest persons to pay for their own health care. This situation developed during the past 3 decades, during which employer-paid health care expanded…

Examines the claimed advantages and potential disadvantages of managed care plans for children and pregnant women. Although available research does not support most claims that such plans reduce costs and improve care, managed care plans are growing and changing rapidly. Therefore, past experience with managed care may not be a good guide to…

Discusses the advantages and disadvantages of an employer-based health insurance system and the effects of such a system on children. Examines employer decisions regarding coverage, financial limitations, insurer and health plan practices that affect the availability and continuity of coverage, and several new models for providing health insurance…

Although the Medicaid program has brought health insurance coverage to millions of poor children and their families, children continue to make up a disproportionately large share of uninsured Americans. Discusses the various national reform measures under consideration to expand health insurance coverage and contain the costs of such coverage,…