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Comorbid Illness, Injuries and Health Insurance Subscription Among Self-Reported Mentally Disabled Subjects of Tamil Nadu, India. 印度泰米尔纳德邦自述智障受试者的共病、伤害和健康保险认购情况
Q3 Medicine Pub Date : 2018-01-01 Epub Date: 2019-02-19 DOI: 10.17849/insm-47-04-1-11.1
A M Anusa, C Ramasubramaniam, Thavarajah Rooban

Background: -Mentally Disabled (MD) subjects often have multiple co-morbidities and also experience injuries, acute and chronic illness like the general population. Details of such episodes and the impact of health insurance have not been described for Tamil Nadu, an Indian state population. This manuscript intends to report on this experience.

Materials and method: -Secondary Data Analysis of District Level Household and Facility survey-4 (2012-13) were employed for this study. Comparison of MD with the normal population was performed. Demographic characteristics along with injury (in preceding year), acute illness (within past 15 days) and the experience of chronic illness (requiring treatment for 1 month), treatment seeking behavior and health insurance coverage formed the variables. Descriptive statistics, chi-square and odds ratio are presented. P≤0.005 was considered as statistical significance.

Result: -Of the 179381 surveyed, 565(0.3%) had some form of MD and 169938 (94.7%) had no disabilities. The two groups varied in age, gender, and marital status. MD population had nearly 4 times the incidence of injury (P = 0.000) in the past 1 year, more commonly requiring in-patient treatment. Epilepsy was more common among individuals with MD with odds ratio of 7.159 [P = 0.015]. Health insurance cover and its influence on treatment seeking behavior are presented.

Discussion: -The experience of injuries, acute and chronic illness by individuals with MD, to the best of our knowledge has been described for the first time in Tamil Nadu. Individuals with MD and without health insurance often do not take treatment. The absence of health insurance with the resulting increased cost of out-of-pocket expense for chronic illness may force them to neglect their health. These factors are discussed along with recommendations for policy makers.

背景:-精神残疾(MD)受试者通常有多种合并症,也像一般人群一样经历损伤,急性和慢性疾病。这些事件的细节和医疗保险对印度泰米尔纳德邦的影响尚未得到描述。这篇稿子打算报道这一经历。资料与方法:-采用2012- 2013年区级住户和设施调查第4期二级数据分析。将MD与正常人群进行比较。人口统计学特征与伤害(前一年)、急性疾病(过去15天内)和慢性疾病经历(需要治疗1个月)、寻求治疗行为和健康保险覆盖构成了变量。给出了描述性统计、卡方和比值比。P≤0.005认为有统计学意义。结果:在接受调查的179381人中,565人(0.3%)患有某种形式的MD, 169938人(94.7%)没有残疾。这两组人的年龄、性别和婚姻状况各不相同。MD人群在过去1年的损伤发生率是MD人群的近4倍(P = 0.000),更常见的是需要住院治疗。癫痫在MD患者中更为常见,比值比为7.159 [P = 0.015]。健康保险覆盖范围及其对就医行为的影响。讨论:-据我们所知,在泰米尔纳德邦首次描述了MD患者的损伤,急性和慢性疾病的经验。患有MD但没有医疗保险的人通常不接受治疗。由于没有医疗保险,慢性病的自付费用增加,这可能迫使他们忽视自己的健康。讨论了这些因素以及对决策者的建议。
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引用次数: 0
JIM Reading List. 吉姆阅读清单。
Q3 Medicine Pub Date : 2018-01-01 DOI: 10.17849/insm-47-03-194-200.1
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引用次数: 0
Thyroid Cancer: 20-Year Comparative Mortality and Survival Analysis of Six Thyroid Cancer Histologic Subtypes by Age, Sex, Race, Stage, Cohort Entry Time-Period and Disease Duration (SEER*Stat 8.3.2) A Systematic Review of 145,457 Cases for Diagnosis Years 1993-2013. 甲状腺癌:按年龄、性别、种族、分期、队列入组时间和病程划分的6种甲状腺癌组织学亚型20年死亡率和生存率比较分析(SEER*Stat 8.3.2)。
Q3 Medicine Pub Date : 2018-01-01 DOI: 10.17849/insm-47-03-143-158.1
Anthony F Milano

Background: -Incidence and prognosis of cancers of the endocrine glands vary greatly by stage and histologic type, and, thyroid cancer accounts for most (92%) of the cancers of the endocrine glands. It is the 8th most common of cancers and has been rising in incidence since 1975. It remains a formidable health threat in the United States in 2016 with estimated cases of 64,300 and 1980 deaths.

Objective: -Provide 20-year comparative mortality analysis of thyroid cancer in a recent group of 145,457 staged cases (97.5%) of a total of 149,202 patients during the 1993-2013 entry time-period in six histologic subtypes by age, sex, race, stage and disease duration.

Methods: -Population-based data from SEER registries, 1 1973-2013, (SEER*Stat 8.3.2.) were analyzed.

Results: - Tables 1 - 8 provide basic SEER epidemiologic, demographic, case-statistics, and comparative mortality follow-up data of 4 principal and 2 supplementary thyroid cancer oncotypes by age, sex, race, stage and disease duration of patients in the 1993-2013 time-period. [Table: see text] [Table: see text] [Table: see text] [Table: see text] [Table: see text] [Table: see text] [Table: see text] [Table: see text] Conclusions.-Thyroid cancer when localized has a very good prognosis, with no significant excess mortality after diagnosis in papillary and papillary follicular variant cancers (PFV). Because nearly two thirds of thyroid cancers are localized, and excess death rate (EDR) is small in patients with regional cancer under age 50, overall excess mortality for all ages also virtually disappeared after 10 years in papillary and follicular cancer. Overall, the 5-year survival rate is greater than 90% for papillary and follicular carcinomas. Nevertheless, because of the marked predominance of papillary carcinoma, the continued increase in its relative frequency and annual projected deaths, thyroid carcinoma remains a significant health concern in the current era.

背景:内分泌腺癌的分期和组织学类型不同,其发病率和预后差异很大,其中甲状腺癌占内分泌腺癌的大多数(92%)。它是第八大最常见的癌症,自1975年以来发病率一直在上升。2016年,在美国,它仍然是一个可怕的健康威胁,估计有64300例病例和1980例死亡。目的:在1993-2013年入组期间,对149,202例患者中的145,457例(97.5%)按年龄、性别、种族、分期和病程分为6种组织学亚型,提供20年甲状腺癌的比较死亡率分析。方法:对1973-2013年1月(SEER*Stat 8.3.2.) SEER登记的人群数据进行分析。表1 - 8提供了1993-2013年期间按年龄、性别、种族、分期和病程划分的4种主要和2种辅助甲状腺癌癌型的基本SEER流行病学、人口学、病例统计和比较死亡率随访数据。[表:见正文][表:见正文][表:见正文][表:见正文][表:见正文][表:见正文][表:见正文][表:见正文][表:见正文][表:见正文]结论。甲状腺癌在局部时有很好的预后,诊断为乳头状癌和乳头状滤泡变异型癌(PFV)后没有明显的超额死亡率。由于近三分之二的甲状腺癌是局部的,而50岁以下的区域性癌症患者的超额死亡率(EDR)很小,所有年龄段的乳头状癌和滤泡癌的总体超额死亡率在10年后几乎消失。总的来说,乳头状癌和滤泡癌的5年生存率大于90%。然而,由于乳头状癌明显占主导地位,其相对频率和每年预计死亡人数持续增加,甲状腺癌仍然是当今时代一个重大的健康问题。
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引用次数: 29
Mortality Rates and Excess Death Rates for the Seriously Mentally Ill. 严重精神病患者的死亡率和超额死亡率。
Q3 Medicine Pub Date : 2018-01-01 Epub Date: 2019-01-17 DOI: 10.17849/insm-47-04-1-8.1
Robert J Reynolds, Steven M Day, Alan Shafer, Emilie Becker

Objectives: -To compute mortality rates and excess death rates for patients with serious mental illness, specific to categories of gender, age and race/ethnicity.

Background: -People with serious mental illness are known to be at greatly increased risk of mortality across the lifespan. However, the measures of mortality reported for this high-risk population are typically only summary measures, which do not provide either the mortality rates or excess death rates needed to construct life tables for individuals with serious mental illness.

Methods: -Mortality rates were computed by dividing the number of deaths by the amount of life-years lived in strata specific to gender, age and race/ethnicity. Age-specific excess death rates were determined as the difference between the study population rate and the corresponding general population rate in each stratum. To compute excess death rates beyond observed ages in the cohort, a method with documented reliability and validity for chronic medical conditions was used.

Results: -For the cohort with mental illness, mortality rates for Black and White females were mostly equal, and consistently greater than those for Hispanic females; excess death rates for females displayed a similar pattern. Among males, mortality rates were highest for Whites, with Hispanics and Blacks close in magnitude at all ages. Excess death rates for males showed more divergence between the categories of race/ethnicity across the age range.

Conclusions: -Mortality rates specific to categories of gender, age and race/ethnicity show sufficient differences as to make them the preferred way to construct life tables. This is especially true in contrast to broader summary measures such as risk ratios, standardized incidence rates, or life expectancy.

目标:-计算严重精神疾病患者的死亡率和超额死亡率,具体到性别、年龄和种族/民族类别。背景:众所周知,患有严重精神疾病的人在整个生命周期中死亡的风险大大增加。然而,对这一高危人群报告的死亡率措施通常只是概括性措施,既没有提供死亡率,也没有提供为患有严重精神疾病的个人编制生命表所需的超额死亡率。方法:死亡率的计算方法是将死亡人数除以按性别、年龄和种族/民族特定阶层生活的寿命年数。特定年龄的超额死亡率被确定为研究人群率与每个阶层相应的一般人群率之间的差异。为了计算队列中超过观察年龄的超额死亡率,采用了一种对慢性疾病具有文献可靠性和有效性的方法。结果:对于患有精神疾病的队列,黑人和白人女性的死亡率基本相等,并且始终高于西班牙裔女性;女性的高死亡率也表现出类似的模式。在男性中,白人的死亡率最高,西班牙裔和黑人在所有年龄段的死亡率都接近。在整个年龄范围内,男性的超额死亡率在种族/族裔类别之间表现出更大的差异。结论:-不同性别、年龄和种族/民族类别的死亡率显示出足够的差异,使它们成为构建生命表的首选方法。与风险比、标准化发病率或预期寿命等更广泛的总结性指标相比,这一点尤其正确。
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引用次数: 1
Plasma Cell Myeloma - 20-Year Comparative Survival and Mortality of Three Plasma Cell Myeloma ICD-O-3 Oncologic Phenotypes by Age, Sex, Race, Stage, Cohort Entry Time-Period and Disease Duration: A Systematic Review of 111,041 Cases for Diagnosis Years 1973-2014: (SEER*Stat 8.3.4). 浆细胞骨髓瘤-三种浆细胞骨髓瘤ICD-O-3肿瘤表型按年龄、性别、种族、分期、队列入组时间和病程划分的20年生存率和死亡率比较:1973-2014年111,041例诊断病例的系统评价:(SEER*Stat 8.3.4)。
Q3 Medicine Pub Date : 2018-01-01 Epub Date: 2019-01-22 DOI: 10.17849/insm-47-04-1-9.1
Anthony F Milano

Background: -The values of SEER site recode variables are based on the primary site and histology data fields submitted to SEER by the registries. The site recode variables define the major cancer site/histology groups that are commonly used in the reporting of cancer incidence data and are added to the SEER databases as a convenience for researchers. These codes and definitions are periodically updated and changed by the National Cancer Institute as newer and more applicable information becomes available. Because this myeloma analysis includes cases diagnosed 2010+, the ICD-O-3 recode-updates with adjustment for WHO 2008 hematopoietic histologies that account for changes in the obsolete classification of hematopoietic histology codes, and the assignment of new names (ie, multiple myeloma-MM - to - plasma cell myeloma-PCM) is adhered to and used here. Plasma cell myeloma (PCM) is a bone-marrow based multifocal plasma cell malignancy (primary site C421). PCM is characterized by a single clone of plasma cells, believed to be derived from lymphoid B cells, and spans a clinical spectrum from asymptomatic to aggressive forms, plus disorders caused by the deposition of abnormal immunoglobulin chains in tissue. The current myeloma group ICD-O-3 histologic morphology types consists of: ICD-O-3 9731: Plasmacytoma, NOS, occurring in bone (osseous plasmacytoma malignancy data reportable to SEER only beginning since 1986); ICD-O-3 9732: Plasma cell myeloma - composed of three clinical variants: a) asymptomatic, b) Non-secretory myeloma, and c) Plasma cell leukemia (all coded to 9732); ICD-O-3 9734: Extramedullary plasmacytoma; anatomic sites other than bone.

Objective: -Using the statistical database of SEER*Stat 8.3.4 (produced 4/14/2017 for diagnosis years 1973-2014), to assess, determine, compare, and summarize the occurrence, long-term survival and mortality indices of the three morphologic types of myeloma by age, sex, race and stage in two-cohort entry time-periods (1973-1994 and 1995-2014). All analyses are accomplished within the context of current SEER Site Recode ICD-O-3 (1/27/2003) definitions, terminologies and descriptions, and also in accordance with the rules of the consolidated Hematopoietic and Lymphoid Neoplasm Coding Manual data base (effective 1/1/2010 - release date January 2015).

Methods: -Population data including 111,041 cases collected by the National Cancer Institute's Surveillance, Epidemiology, and End Results (SEER) Frequency Database (18 SEER Registries Research Data + Hurricane Katrina Impacted Louisiana Cases, November 2016 Submission, 1973-2014 varying) for diagnosis years 1973-2014: Relative Survival Statistics were analyzed in two cohorts: 1973-1994 and 1995-2014. Survival statistics were derived from: SEER*Stat Database: Incidence - SEER 9 Regs Research Data, November 2016 Submission (1973-2014) Released April 2017.

背景:SEER站点编码变量的值基于注册中心提交给SEER的主要站点和组织学数据字段。位点编码变量定义了主要的癌症位点/组织学组,这些组通常用于报告癌症发病率数据,并被添加到SEER数据库中以方便研究人员。这些代码和定义由国家癌症研究所定期更新和更改,以获得更新和更适用的信息。由于该骨髓瘤分析包括2010年以上诊断的病例,因此本文坚持并使用ICD-O-3编码更新,并对WHO 2008年造血组织学进行了调整,以解释过时的造血组织学编码分类的变化,并分配了新的名称(即多发性骨髓瘤- mm -到浆细胞骨髓瘤- pcm)。浆细胞骨髓瘤(PCM)是一种基于骨髓的多灶浆细胞恶性肿瘤(原发部位C421)。PCM的特点是浆细胞单克隆,据信来源于淋巴样B细胞,其临床表现从无症状到侵袭性,再加上组织中异常免疫球蛋白链沉积引起的疾病。目前骨髓瘤组ICD-O-3的组织学形态类型包括:ICD-O-3 9731:浆细胞瘤,NOS,发生于骨(骨性浆细胞瘤恶性数据自1986年才开始报告到SEER);ICD-O-3 9732:浆细胞骨髓瘤-由三种临床变异组成:a)无症状,b)非分泌性骨髓瘤和c)浆细胞白血病(所有编码为9732);ICD-O-3 9734:髓外浆细胞瘤;骨骼以外的解剖部位。目的:利用SEER*Stat 8.3.4统计数据库(于2017年4月14日发布,诊断年为1973-2014年),对1973-1994年和1995-2014年两组队列入组期间按年龄、性别、种族、分期划分的3种形态类型骨髓瘤的发生、长期生存和死亡指标进行评估、确定、比较和总结。所有的分析都是在当前的SEER站点编码ICD-O-3(2003年1月27日)的定义、术语和描述的背景下完成的,并且也符合统一的造血和淋巴肿瘤编码手册数据库的规则(2010年1月1日生效-发布日期2015年1月)。方法:人口数据包括由美国国家癌症研究所的监测、流行病学和最终结果(SEER)频率数据库(18个SEER注册研究数据+卡特里娜飓风影响路易斯安那州病例,2016年11月提交,1973-2014年变化)收集的1973-2014年诊断年份的111,041例病例:相对生存统计数据分为1973-1994年和1995-2014年两个队列进行分析。生存统计数据来源于:SEER*Stat数据库:发病率- SEER 9 Regs Research Data, 2016年11月提交(1973-2014)2017年4月发布。结果:表1-3提供了1973-2014年期间三种骨髓瘤癌型按患者年龄、性别、分期和病程划分的基本SEER生存率和死亡率比较数据。从最新的NCI癌症统计综述(CSR 2010-2014)中提取的流行病学、人口学和病例统计数据被纳入。结论:2011-2014年,所有种族经年龄调整的SEER发病率呈下降趋势,年百分比变化(APC)为-2.5% /年。浆细胞骨髓瘤(PCM)患者的平均年龄男性(67.8岁)比女性(69.2岁)小1岁左右。PCM伴随着非常高的死亡率和大大降低的5年相对生存率,特别是在老年群体中。一般来说,第一年超额死亡率(edr)随病程的延长而降低,但随入职年龄的增加而增加,并且没有性别差异。所有年龄段的黑人第一年的edr都相当高,但低于白人。随着年龄的增加,中位生存期、实际生存期和5年相对生存率急剧下降到极低的水平,证明了这种疾病的致命性,特别是在老年患者中。
{"title":"Plasma Cell Myeloma - 20-Year Comparative Survival and Mortality of Three Plasma Cell Myeloma ICD-O-3 Oncologic Phenotypes by Age, Sex, Race, Stage, Cohort Entry Time-Period and Disease Duration: A Systematic Review of 111,041 Cases for Diagnosis Years 1973-2014: (SEER*Stat 8.3.4).","authors":"Anthony F Milano","doi":"10.17849/insm-47-04-1-9.1","DOIUrl":"https://doi.org/10.17849/insm-47-04-1-9.1","url":null,"abstract":"<p><strong>Background: </strong>-The values of SEER site recode variables are based on the primary site and histology data fields submitted to SEER by the registries. The site recode variables define the major cancer site/histology groups that are commonly used in the reporting of cancer incidence data and are added to the SEER databases as a convenience for researchers. These codes and definitions are periodically updated and changed by the National Cancer Institute as newer and more applicable information becomes available. Because this myeloma analysis includes cases diagnosed 2010+, the ICD-O-3 recode-updates with adjustment for WHO 2008 hematopoietic histologies that account for changes in the obsolete classification of hematopoietic histology codes, and the assignment of new names (ie, multiple myeloma-MM - to - plasma cell myeloma-PCM) is adhered to and used here. Plasma cell myeloma (PCM) is a bone-marrow based multifocal plasma cell malignancy (primary site C421). PCM is characterized by a single clone of plasma cells, believed to be derived from lymphoid B cells, and spans a clinical spectrum from asymptomatic to aggressive forms, plus disorders caused by the deposition of abnormal immunoglobulin chains in tissue. The current myeloma group ICD-O-3 histologic morphology types consists of: ICD-O-3 9731: Plasmacytoma, NOS, occurring in bone (osseous plasmacytoma malignancy data reportable to SEER only beginning since 1986); ICD-O-3 9732: Plasma cell myeloma - composed of three clinical variants: a) asymptomatic, b) Non-secretory myeloma, and c) Plasma cell leukemia (all coded to 9732); ICD-O-3 9734: Extramedullary plasmacytoma; anatomic sites other than bone.</p><p><strong>Objective: </strong>-Using the statistical database of SEER*Stat 8.3.4 (produced 4/14/2017 for diagnosis years 1973-2014), to assess, determine, compare, and summarize the occurrence, long-term survival and mortality indices of the three morphologic types of myeloma by age, sex, race and stage in two-cohort entry time-periods (1973-1994 and 1995-2014). All analyses are accomplished within the context of current SEER Site Recode ICD-O-3 (1/27/2003) definitions, terminologies and descriptions, and also in accordance with the rules of the consolidated Hematopoietic and Lymphoid Neoplasm Coding Manual data base (effective 1/1/2010 - release date January 2015).</p><p><strong>Methods: </strong>-Population data including 111,041 cases collected by the National Cancer Institute's Surveillance, Epidemiology, and End Results (SEER) Frequency Database (18 SEER Registries Research Data + Hurricane Katrina Impacted Louisiana Cases, November 2016 Submission, 1973-2014 varying) for diagnosis years 1973-2014: Relative Survival Statistics were analyzed in two cohorts: 1973-1994 and 1995-2014. Survival statistics were derived from: SEER*Stat Database: Incidence - SEER 9 Regs Research Data, November 2016 Submission (1973-2014) <Katrina/Rita Population Adjustment> Released April 2017.</p><p","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"36884250","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 9
Merit-based Claim Adjudication for Cancer Treatment Toxicities - Policy Trends that Lower Downstream Costs. 基于价值的癌症治疗毒性索赔裁决-降低下游成本的政策趋势。
Q3 Medicine Pub Date : 2018-01-01 Epub Date: 2019-02-19 DOI: 10.17849/insm-47-4-1-13.1
Ricky McCullough

Background: -Due largely to the lack of effective therapeutic options, between 1973-2013, chemoradiation toxic mucositis (CRTM) has remained an uncapped expenditure for 40 years, with incremental costs of $17,000-$40,000 per patient per episode. Costs in patient morbidity and mortality have continued as well. A recent therapeutic option associated with complete prevention and/or rapid sustained elimination (high potency polymerized cross-linked sucralfate, HPPCLS) delivers value by eliminating downstream costs CRTM experienced in the first 12 months. While many insurers carry the therapy as a specialty pharmacy support drug, few are familiar with the associated health economic benefits and the statutory requirements driving its coverage.

Purpose: -To present the rationale behind early policy trends that frame CRTM as an emergent/urgent medical condition mandated coverage as an essential health benefit. Rather than problematic for costs, this coverage trend appears to be value-based.

Methods: -Discuss early adverse claim experience of HPPCLS. Present the costs, tenets and statutes driving policy trend toward obligatory coverage of CRTM. Review the ethical (fiduciary) and statutory requirements for CRTM coverage.

Results: -CRTM coverage is ethically responsible since it is a direct consequence of authorized cancer treatment. The symptom/signs complex of CRTM meets the 'prudent layperson' statutory definition of emergency medical condition. All previously uncapped downstream costs of CRTM can be reduced to the cost of therapy, saving $15-$30K per patient per CRTM episode.

Conclusions: -Policy trend of CRTM coverage as an emergent/urgent medical condition is a value-based approach of toxicity management, conserving resources, cutting costs and eliminating patient morbidity and mortality.

背景:主要由于缺乏有效的治疗选择,1973-2013年间,放化疗毒性粘膜炎(CRTM)在40年里一直是一项不受限制的支出,每例患者每次发作的增量成本为17,000- 40,000美元。患者发病率和死亡率的成本也在继续。最近一种与完全预防和/或快速持续消除相关的治疗选择(高效聚合交联硫糖铝,HPPCLS)通过消除CRTM在前12个月经历的下游成本提供了价值。虽然许多保险公司将这种疗法作为一种专业药房支持药物,但很少有人熟悉相关的健康经济效益和推动其覆盖的法定要求。目的:介绍早期政策趋势背后的基本原理,这些趋势将CRTM定义为一种紧急/紧急医疗状况,要求将其覆盖范围作为一项基本健康福利。这种覆盖趋势似乎是基于价值的,而不是成本问题。方法:探讨HPPCLS早期不良索赔经验。介绍CRTM强制覆盖的成本、原则和法规。审查CRTM覆盖范围的道德(信托)和法律要求。结果:crtm覆盖在伦理上是负责任的,因为它是批准的癌症治疗的直接后果。CRTM的症状/体征符合紧急医疗状况的“谨慎外行人”法定定义。所有以前没有上限的CRTM下游成本可以减少到治疗成本,每位患者每次CRTM发作可节省15- 3万美元。结论:CRTM作为紧急医疗状况的政策趋势是一种基于价值的毒性管理方法,节约资源,降低成本,消除患者的发病率和死亡率。
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引用次数: 0
All-Cause Mortality for Life Insurance Applicants with a Family History of Coronary Artery Disease Before 60. 60岁以前有冠心病家族史的人寿保险投保人的全因死亡率
Q3 Medicine Pub Date : 2018-01-01 DOI: 10.17849/insm-47-03-159-171.1
Stephen A Freitas, Ross MacKenzie, David N Wylde, Jason Von Bergen, J Carl Holowaty, Margaret Beckman, Steven J Rigatti, Stacy Gill

Objective: -To determine the all-cause mortality of life insurance applicants having a family history of coronary artery disease (CAD) before age 60.

Background: -Epidemiological studies have shown that a family history of premature CAD is an independent risk factor for CAD events. The strength of the association between family history and CAD is greatest with earlier age of presentation of CAD in the family member and when multiple family members are affected. Despite earlier insurance studies on this relationship, there is sparse current data on the association between family history of CAD and all-cause mortality in life insurance applicants.

Methodology: -Life insurance applicants with reported family history of Coronary Artery Disease (CAD) were extracted from data covering United States residents between October 2009 and October 2016. Information about these applicants was matched to the Social Security Death Master (SSDMF) file for deaths occurring from 2009 to 2012 and to another commercially available death source file (Other Death Source, ODS) for deaths occurring from 2009 to 2016 to determine vital status. Actual to Expected (A/E) mortality ratios were calculated using the Society of Actuaries 2015 Valuation Basic Table (2015VBT), select and ultimate table (age last birthday). All expected bases were not smoker distinct. Confidence bands around these mortality ratios were calculated. The variables of interest were applicant age, gender, number of family members with CAD before age 60, and the presence of cardiac or cardiovascular conditions.

Results: -Overall, the mortality of applicants with family members with a history of CAD before age 60 was slightly lower than expected mortality based on the 2015 VBT. Applicants with a cardiac or cardiovascular comorbid condition had a significantly higher mortality ratio. For applicants aged 25-54 and 65-75 with cardiac comorbid conditions, the mortality ratio was 2 times that of those without a cardiac comorbid condition. For those aged 55-64 with cardiovascular comorbid conditions, the mortality ratio was 2.9 times that of those without a cardiovascular comorbid condition. Females had a slightly higher mortality ratio for all age groups, number of family members with CAD before age 60, and cardiovascular conditions.

Conclusion: -A family history of CAD before the age of 60 in an insurance applicant may be associated with increased all-cause mortality. Overall in this study, life insurance applicants had a mortality slightly lower than the expected mortality based on the 2015 VBT. However, applicants with a positive family history and a cardiac or cardiovascular comorbid condition had a significantly higher mortality ratio.

目的:了解60岁以前有冠心病家族史的人寿保险投保人的全因死亡率。背景:流行病学研究表明,早发冠心病家族史是冠心病事件的独立危险因素。家族史与CAD之间的关联强度在家族成员出现CAD的年龄较早以及当多个家族成员受到影响时最大。尽管早期的保险研究对这种关系进行了研究,但目前关于冠心病家族史与人寿保险申请人全因死亡率之间关系的数据很少。方法:从2009年10月至2016年10月期间美国居民的数据中提取有冠状动脉疾病家族史的人寿保险申请人。将这些申请人的信息与2009年至2012年死亡的社会保障死亡管理员(SSDMF)文件和2009年至2016年死亡的另一个商业死亡来源文件(其他死亡来源,ODS)进行匹配,以确定生命状态。实际与预期(A/E)死亡率的计算采用精算师协会2015年估值基本表(2015VBT)、选择表和最终表(年龄最后生日)。所有预期的碱基都不明显。计算了这些死亡率的置信区间。感兴趣的变量是申请人的年龄,性别,60岁之前患有CAD的家庭成员数量,以及心脏或心血管疾病的存在。结果:总体而言,家庭成员在60岁之前有CAD病史的申请人的死亡率略低于基于2015年VBT的预期死亡率。有心脏或心血管合并症的申请人死亡率明显较高。对于年龄在25-54岁和65-75岁之间有心脏合并症的申请人,死亡率是无心脏合并症者的2倍。55-64岁有心血管合并症者的死亡率是无心血管合并症者的2.9倍。女性在所有年龄组的死亡率、60岁前患有冠心病的家庭成员人数和心血管疾病的人数都略高。结论:投保人60岁前冠心病家族史可能与全因死亡率增加有关。总体而言,在本研究中,寿险申请人的死亡率略低于基于2015年VBT的预期死亡率。然而,具有阳性家族史和心脏或心血管合并症的申请人的死亡率明显更高。
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引用次数: 0
Neck Mass in a Five-year-old Afghan Child. 一名五岁阿富汗儿童颈部肿块。
Q3 Medicine Pub Date : 2018-01-01 DOI: 10.17849/insm-47-03-191-193.1
David S Williams
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引用次数: 1
The Vanishing Art of Medical Underwriting. 消失的医疗保险艺术。
Q3 Medicine Pub Date : 2018-01-01 DOI: 10.17849/insm-47-03-172-175.1
Robert Goldstone
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引用次数: 0
Wide QRS Tachycardia on the Holter - What is the Diagnosis? 动态心电图的宽QRS心动过速-诊断是什么?
Q3 Medicine Pub Date : 2018-01-01 Epub Date: 2019-03-05 DOI: 10.17849/insm-47-4-1-5.1
Emoke Posan
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引用次数: 0
期刊
Journal of insurance medicine (New York, N.Y.)
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