Journal of insurance medicine (New York, N.Y.)最新文献_第4页

An Illustration of the Protective Value of Epigenetics: Using the Alcohol T Score (ATS) in A Population of Known Smokers. 表观遗传学保护价值的例证：在已知吸烟者群体中使用酒精T评分（ATS）。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-10-09 DOI: 10.17849/insm-52-3-1-9.2A

James A Mills, Jeffrey D Long, Robert A Philibert

{"title":"An Illustration of the Protective Value of Epigenetics: Using the Alcohol T Score (ATS) in A Population of Known Smokers.","authors":"James A Mills, Jeffrey D Long, Robert A Philibert","doi":"10.17849/insm-52-3-1-9.2A","DOIUrl":"10.17849/insm-52-3-1-9.2A","url":null,"abstract":"Background.—: Previously we have shown that, in theory, a prediction algorithm that incorporates methylation sensitive digital PCR (MSdPCR) assessments of smoking and drinking could predict mortality. But the potential impact of these findings was speculative because limitations of the generalizability and available data from the study cohort.Objective.—: To directly demonstrate the potential financial impact of using an epigenetic mortality index to assess potential applicants based off actual MSdPCR and survival data from a nationally representative cohort.Methods.—: Using actual MSdPCR and survival data from our recent study of the Prostate, Lung, Colorectal and Ovarian Cancer Screening Trial, we modeled the survival and financial impact of a 55-year-old male smoker at the 25th, 50th and 75th percentile of Alcohol T Score (ATS) values.Results.—: The likelihood of survival to maturation of 20 years was 86.2%, 80.8% and 74.4%. Using a simplified financial modeling of a 20-year term policy with $500K face value, insuring a client at the 25th percentile, would result in an average of $38,749 and $85,833 more in average net revenue than insuring the individuals at the 50th and 75th percentile.Conclusions.—: Epigenetic survival indices can make financially impactful predictions. Real life pilots of this technology in the underwriting space are in order.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":" ","pages":"107-115"},"PeriodicalIF":0.0,"publicationDate":"2025-10-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145226100","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: 0

Shortened Survival and Life Expectancy with a Diagnosis of Attention-Deficit and Hyperactivity Disorder (ADHD). 诊断为注意力缺陷和多动障碍（ADHD）的患者的生存和预期寿命缩短。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-10-09 DOI: 10.17849/insm-52-3-1-4.1

John R Iacovino

引用次数: 0

Ovarian Cancer: Many Diseases Under One Name. 卵巢癌：一个名字下的多种疾病。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-10-09 DOI: 10.17849/insm-52-3-1-10.2A

Clifton P Titcomb

{"title":"Ovarian Cancer: Many Diseases Under One Name.","authors":"Clifton P Titcomb","doi":"10.17849/insm-52-3-1-10.2A","DOIUrl":"10.17849/insm-52-3-1-10.2A","url":null,"abstract":"In the United States, ovarian cancer is the second most common form of gynecologic cancer and the second leading cause of gynecologic cancer death. It is a heterogeneous disease with many different types and subtypes. The most common variety (70%-80%) is the high-grade serous epithelial tumor. A positive family history and/or the presence of susceptibility genes (BRCA1, BRCA2, and mismatch repair genes) increase the risk for developing the disease. Due to the lack of effective screening tools, even in those with known increased risk, most ovarian cancers are diagnosed at advanced stages. Diagnosis and accurate staging usually require tissue sampling and extensive debulking surgery performed by a surgeon who specializes in gynecologic oncology. Combination chemotherapy, before or after surgery, or as primary treatment for advanced disease is commonly needed. Mortality rates vary by stage, grade, and type of tumor. For the most common histotypes, due to the presence of advanced disease at presentation in most individuals, overall death rates remain high. Survival is better with some of the less common subtypes including sex cord stromal, germ cell and borderline epithelial ovarian tumors.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":" ","pages":"191-200"},"PeriodicalIF":0.0,"publicationDate":"2025-10-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145126068","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: 0

Phosphatidylethanol Levels in a Group of Life Insurance Applicants Tested for Carbohydrate-Deficient Transferrin. 一组人寿保险申请人的磷脂酰乙醇水平检测碳水化合物缺乏转铁蛋白。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-24 DOI: 10.17849/insm-52-2-1-8.1

Steven J Rigatti

{"title":"Phosphatidylethanol Levels in a Group of Life Insurance Applicants Tested for Carbohydrate-Deficient Transferrin.","authors":"Steven J Rigatti","doi":"10.17849/insm-52-2-1-8.1","DOIUrl":"10.17849/insm-52-2-1-8.1","url":null,"abstract":"Objective.—: To compare the alcohol biomarkers phosphatidylethanol (PEth) and carbohydrate-deficient transferrin (CDT) in a convenience sample of life insurance applicants.Background.—: PEth is a direct measure of alcohol consumption, which may have some advantages in the detection of problematic alcohol use when compared to CDT.Methods.—: A total of 619 life insurance applicants were tested for both PEth and CDT. Linear models were constructed to assess the relationship between these two markers and other laboratory values. Classification and regression tree (CART) models were also constructed to identify clusters of individuals with high levels of either marker.Results.—: The correlation between PEth and CDT was 0.52. PEth was positive in 23% of the sample at a threshold of 200 ng/ml, while CDT was positive in 11% at a threshold of 1.5%. CART models showed that GGT and AST were the most important predictors of PEth positivity, while HDL and AST were the most important predictors of CDT positivity.Conclusion.—: PEth may be a more sensitive marker of alcohol intake than CDT, and may be useful as a reflex test from other laboratory values in both the clinical and life insurance setting.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"52 2","pages":"66-73"},"PeriodicalIF":0.0,"publicationDate":"2025-07-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144709312","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: 0

From the Editor's Desk. 从编辑部。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-24 DOI: 10.17849/insm-52-2-1.1

Rodney Richie, Michael Moore

引用次数: 0

Long Covid in Year 5: Some Progress, Still Many Questions. 五年级的长冠状病毒：取得了一些进展，但仍有许多问题。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-24 DOI: 10.17849/insm-52-2-1-5.2

Timothy Meagher

引用次数: 0

Comparative Mortality in Adrenal Insufficiency Patients. 肾上腺功能不全患者的比较死亡率。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-24 DOI: 10.17849/insm-52-2-1-6.2

Grace E Ching Sun

{"title":"Comparative Mortality in Adrenal Insufficiency Patients.","authors":"Grace E Ching Sun","doi":"10.17849/insm-52-2-1-6.2","DOIUrl":"10.17849/insm-52-2-1-6.2","url":null,"abstract":"Objective.—: This article presents an analysis of mortality data in individuals with a diagnosis of adrenal insufficiency compared to a matched population from a United Kingdom database.Background.—: Adrenal insufficiency is an easily treated disease, but if undiagnosed and/or glucocorticoid stress dosing is not appropriately implemented at times of illness, then death may occur.Methods.—: Tabular data on patients with primary and secondary adrenal insufficiency relative to matched controls was generated using the pixel method on the all-cause mortality graph published in the Ngaosuwan et al study.Results.—: Calculated annual mortality rates, excess death rates, and interval mortality rates were higher for both primary and secondary adrenal insufficiency compared to matched controls. And the increased mortality risk appeared to be greater in those with primary adrenal insufficiency compared to those with secondary adrenal insufficiency.Conclusion.—: Those with primary and secondary adrenal insufficiency have increased mortality compared to their matched cohort, especially in the early years after their diagnosis.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":" ","pages":"55-60"},"PeriodicalIF":0.0,"publicationDate":"2025-07-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143574221","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: 0

The Living Kidney Donor: Immediate and Long Term Insurability. 活体肾脏捐赠者：即时和长期保险。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-24 DOI: 10.17849/insm-52-2-1-3.2

John R Iacovino

引用次数: 0

Cookbook and Cognition. 烹饪书与认知。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-08 DOI: 10.17849/insm-52-2-1.2

Thomas Ashley

引用次数: 0

Legal Regulation of Medical Expense Insurance: International Experience and Prospects for Development in Ukraine. 医疗费用保险的法律规制：国际经验与乌克兰的发展前景。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-08 DOI: 10.17849/insm-52-2-1-11.2

Oksana Khorvatova, Dmytro Chasovnykov

{"title":"Legal Regulation of Medical Expense Insurance: International Experience and Prospects for Development in Ukraine.","authors":"Oksana Khorvatova, Dmytro Chasovnykov","doi":"10.17849/insm-52-2-1-11.2","DOIUrl":"https://doi.org/10.17849/insm-52-2-1-11.2","url":null,"abstract":"The legal regulation of healthcare insurance is currently a major challenge for Ukraine in times of war, as the ongoing hostilities have created a pause in the full financing of the healthcare system, including healthcare insurance and ensuring access to healthcare for all citizens. That is why one of the most important issues on Ukraine's agenda is its desire to improve and modernise the existing healthcare system in line with the latest trends in healthcare insurance during the profound transformation of the country in the face of the challenges of war. The purpose of the study is to identify the specific features of legal regulation of medical expense insurance, to make a comparative analysis of international experience, and to provide recommendations on the prospects for the development of medical expense insurance in Ukraine. To achieve this goal, we used the following methods of scientific knowledge: general philosophical method, method of systemic analysis and synthesis, comparative legal method, dialectical method, methods of deduction, and induction. The practically significant conclusions and proposals obtained in the course of the thorough research are aimed at bridging the gap between the best practices implemented in other countries and the current realities of Ukraine. Taken together, this approach will help ensure the sustainability and smoothness of healthcare provision and compliance with the specifics of healthcare insurance.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2025-07-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144660693","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: 0