The next time you apply for personal health insurance, you will be prepared for a variety of preliminary assessment testing procedures to determine if the insurance company will reject or accept you, including: testing blood, urine, alcohol or smoking, and assessing your genetic makeup. .
In the personal private healthcare market, there is a concept of health insurance medical underwriting. It involves assessing and quantifying potential applicants who apply for coverage by a professional underwriter to an insurance company. This process is similar to applying for a loan from a commercial bank. There are basically three types of risks that insurance companies screen.
[1] Physical risks; major issues regarding application. In this case, the problem relates to the medical condition of the insured or the tendency of the cancer to be determined by family history.
from
[2] Morale risk; if the applicant has any clear or implied evidence concerning a dangerous occupation, sport or occupation, potential insiders will waive the consideration of the application.
from
[3] Moral hazard; an insurance company will certainly try to avoid speculation insuring applicants who tend to commit suicide, criminal behavior and certain lifestyle habits or tendencies.
Over the years, insurers have relied on the cumulative dependence of multiple subsystems generated by the integration of intelligent computer strategies to draw conclusions for the purpose of risk assessment. The new technology, currently in the experimental phase, was funded by Caesars University and found a statistical method to identify and harmonize all three risk categories in real time through the use of genetically calculated risk scoring algorithms to achieve medical underwriting. It is a highly interoperable biometric screening application interconnected with multiple relational medical databases. Silicon devices use infrared thermal touch screen sensors as biometric identifiers to verify the integrity of the applicant's personal genetic profile in an extremely accurate manner by authenticating fingerprints from federal enforcement agencies, national automated verification systems, and national automated verification systems. A compilation of the list DNA repository.
DNA?
Humans have 23 pairs of chromosomes containing DNA blueprints. One member of each chromosome pair is from their mother and the other is from their father. Every cell in the human body contains a copy of this DNA. Most DNA does not differ from person to person, but 0.10% of each person's entire genome is unique. This represents 3 million base pairs of DNA. In clinical studies, this percentage has proven to be of sufficient significance to structurally integrate predictive valuations that are important to insurers, including approximate personal behavioral tendencies, psychological proficiency, and expectations of mortality or morbidity. It is very proficient in screening risks and has recently passed a law to protect employees and protect applicants from discriminatory prejudice, known as the "Genetic Information Non-Discrimination Act". However, this behavior is complicated by an excuse that is directly or indirectly imposed by the Health Insurance Portability and Accountability Act, which has almost no restrictions on the information that entities covered by HIPPA can share.
What is the relationship between my DNA and my health insurance?
In the past few decades, insurers have begun to store many popular DNA databases, such as integrated automatic fingerprinting systems and CODIS, as well as proprietary business data sets that are used in combination, such as Ingenix, physician computer networks, Intelliscript, and the Office of Medical Information. Even the passenger data compiled by the Safety Flight Safety Administration. The so-called purpose is for identity verification, and the recent warning of identity theft in electronic health records is applicable to the fact that insurers that are not present need to use and evade this while creating a more powerful underwriting system. Remember, the next time you visit a GP, you sign a petition authorizing all parties who manage your care to share your health knowledge, which in exceptional circumstances grants special privileges to the above parties. .
How does this new system work?
The fingerprint consists of many ridges and valleys on the surface of the finger. The ridge is the epithelial layer of the finger, while the valley is the lower segment. The ridges form so-called detail points: the ridge ends [ridge ends] and the ridge bifurcations [the ridges split into two parts]. There are many types of details, including points [very small ridges], islands [slightly longer than the ridges of the points, occupying the intermediate space between the two temporary divergent ridges], ponds or lakes [the gap between the two temporary divergent ridges] , the Spurs [a gap] protrude from the ridge], the bridge [the small ridge connecting the two longer adjacent ridges] and the cross [two intersecting ridges]. The discontinuity of the fingerprint can be determined by the pattern of the ridges and grooves and the point of detail. There are five basic fingerprint patterns: arched, tent arched, left ringed, right ringed and threaded. The cycle accounts for 60% of all fingerprints, the thread accounts for 30%, and the arches account for 10%. Fingerprints are generally considered to be unique, with no two fingers having identical dermal ridge features. The biometric device measures the kinetic energy frequency from the applicant's touch through the minutiae point distribution and automatically identifies the key crypto query from the ridge by a call interface dispatched by the encrypted terminal control program. Basically, the examiner will query based on the information provided to him and wait for a response from the main computer in the remote agent. I don't know about you, but somehow, the idea that my data is spread through a typical client/server type architecture doesn't feel comfortable at all. Imagine all the errors that might go wrong. In addition to violating all of our privacy as citizens, the new system is mature at all levels of society, not to mention qualifying for insurance.
There is something you can do.
If you don't want your insurance company to have access to your sensitive private health information and many other things like your financial strength, spending, personality or lifestyle, then the first thing you might want to do is to avoid applying for Kaiser Permanent or any other For member insurance companies owned by People's National Electronic Information Corporation, we must arrange for the Medical Information Bureau to obtain medical insurance first.
The second thing you can do is to visit our website to find more health insurance information or just leave your information [in order to protect your privacy, you don't need to leave any other information you would not feel comfortable with] I am happy to offer competitive quotes from major health insurers who are not involved in this exercise. Not all insurers are involved in this type of screening process, but you may want to avoid the operators that perform when you enter the system, and if you value health care and how much you don't want to be.
Orignal From: Health insurance companies are now using biometrics to approve or reject your coverage
No comments:
Post a Comment