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Confronted with the continuing cost expansion in the health care sector, policy makers face a dilemma: limiting moral hazard in medical care requires that consumers participate in the cost, yet copayment is strongly resisted by today's socially insured. Thus, the experiences of three private German health insurers will be of interest to physicians, social scientists, and policy makers. Insurer A writes conventional plans with deductibles and coinsurance; B pays back three-monthly premiums as a fixed rebate for no claims; while C runs an experience-rated bonus system starting with a rebate of three-monthly premiums for the first year without a claim, reaching a maximum of five after three years. While both rebates and bonuses are quite popular among insureds, this study shows that bonus options are particularly effective in limiting the demand for ambulatory and even hospital care. But what about adverse effects on health caused by the desire to save one's bonus? On this issue, there is some surprising evidence.

Casual is the way to go. A slip-on from Soul has around-the-clock style and comfort. Fabric upper. Round toe. Smooth lining. Elastic goring for extra flexibility. All-Thru comfort: soft foam lining, arch support with memory foam, antimicrobial sock lining, lightweight and flexible outsole with traction. 4.4 cm heel. | Soul Naturalizer Women's Kemper Slip On, 6W

All the basic pottery tools required for the professional as well as the beginner. Contains one each loop tool, ribbon tool, potter's rib, needle tool, wood modeling tool, sponge scraper, and wire clay cutter. Packaged in a reusable, clear vinyl bag with pockets for each tool. description: set of 7. Contains one each loop tool, ribbon tool, potter's rib, needle tool, wood modeling tool, sponge scraper, and wire clay cutter. Packaged in a reusable, clear vinyl bag with pockets for each tool

This set consists of five round cutters and instructions for use. The cutters are used in the same manner as a cookie cutter on rolled-out clay to make round pads of clay. These pads are then easily hand formed to resemble rose and other flower petals. Varied forms and effects can be achieved by overlapping several cuts of the same piece of clay. The cutters are made from rust-free materials, they have ejection plungers, and are designed to resist accidental deformation. Sizes range from 1/2 in. diameter to 1 1/2 in. diameter..Easy to follow instructions.Made from rust-free materials.Feature ejection plungers.Resists accidental deformation.As easy to use as a cookie cutter.unit: set of 5.Rose and flower petal designs

Casual is the way to go. A slip-on from Soul has around-the-clock style and comfort. Fabric upper. Round toe. Smooth lining. Elastic goring for extra flexibility. All-Thru comfort: soft foam lining, arch support with memory foam, antimicrobial sock lining, lightweight and flexible outsole with traction. 4.4 cm heel. | Soul Naturalizer Women's Kemper Slip On, Pink, 9W

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Metromile's pricing is mainly based on mileage. For people who don't drive often, the charge is low.

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