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The following HTML text is provided to enhance online readability. Many aspects of typography translate only awkwardly to HTML. Please use the page image as the authoritative form to ensure accuracy. American College of Surgeons, 63 American Medical Association opposition to group health plans by, 70 opposition to social insurance proposals by, 59-60, 63, 65 American Risk and Insurance Association, 41 n.6 Americans with Disabilities Act of 1990, 117-118, 148, 316-317 application to risk selection, 185-187 confidentiality provisions of, 246 legal uncertainties in, 186 medical records management in, 17 medical underwriting in, 182 B Benefit, definition of, 43, 335 Benefit design, 114-115 basic benefits, 19-20, 193, 249, 258 cost management in, 74-75 diversity in, 10, 122-126, 237-238, 242 employee assistance programs in, 118-119 employee concerns about, 136-137, 145-149 evolution of, 101-102 in health maintenance organizations, 102 health promotion programs in, 116-119 influence on risk selection of, 171-172, 173-174 innovation in, 10, 71-72, 238-239, 242 insurable events in, 44-45, 338 Medicare, 78-79 mental health care in, 104-106 planning, in case study, 130-133, 137-139 regulating, 19-20, 193-194, 249, 258 risk selection affecting, 184-185 in sample request for proposal, 156-158, 162-165 in social insurance, 41-42, 56-57 in workers' compensation programs, 115-116 Biased risk selection, see Risk selection Blue Cross plans costs of, 219 HMO sponsorship by, 126 Blue Shield plans HMO sponsorship by, 126 in Medicare program, 78-79 origins of, 54 n.3, 68-69, 295 Bureau of the Census, Current Population Survey, 88, 93, 96 C Cafeteria plan, 335 Canada, 22, 32, 33, 110, 151, 252 Capital expenditures, regulation of, 208-209 Capitation, 335 Carve-outs, for retirees, 94-95 n.6 Case management, 335 Case study contrasting cases, 142-145 employee advisory group in, 135-137 evaluating benefit plans in, 131-133 evaluating proposals in, 137-140 financial management in, 133 goal setting in, 130 implementing new benefit plan in, 140-142 legal issues in, 134 request for proposals in, 137, 155-166 small business concerns in, 143 Catastrophic expense protection, 335 Certificates of need, 209
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