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Private Health Insurance: Research on Competition in the Insurance Industry
Correspondence issued by the Government Accountability Office with an abstract that begins "Health care providers and members of Congress have raised concerns that consolidation in the private health insurance industry may be resulting in less competitive markets and contributing to rising health insurance rates paid by consumers and employers. However, measuring the extent of changes in market competition over time or the effects of changes is challenging. In particular, reliable, longitudinal data to measure concentration, that is, the number of competitors and their relative market share, are only available on health maintenance organizations (HMO) but not on preferred provider organizations (PPO) or other insurance products that may comprise the market. Further, data on health insurers are not available at all geographic levels. Despite these challenges, researchers have used the data available to study competition in health insurance markets, typically using one of two measures of competition: (1) HMO market concentration or (2) the number of HMOs in a market. Researchers acknowledge that market concentration and the number of competitors are not perfect measures of competition in private health insurance markets and that there are limits to the conclusions to be drawn from studies that rely on the available data. This …
Date:
July 31, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Recovery Act: States' Use of Highway Infrastructure Funds and Compliance with the Act's Requirements
Testimony issued by the Government Accountability Office with an abstract that begins "The American Recovery and Reinvestment Act of 2009 (Recovery Act) included more than $48 billion for the Department of Transportation's (DOT) investment in transportation infrastructure, including highways, rail, and transit. This testimony--based on GAO report GAO-09-829, issued on July 8, 2009 and updated with more recent data, in response to a mandate under the Recovery Act--addresses (1) the uses of Recovery Act transportation funding including the types of projects states have funded, (2) the steps states have taken to meet the act's requirements, and (3) GAO's other work on transportation funding under the Recovery Act. In GAO-09-829, GAO examined the use of Recovery Act funds by 16 states and the District of Columbia (District), representing about 65 percent of the U.S. population and two-thirds of the federal assistance available through the act. GAO also obtained data from DOT on obligations and reimbursements for the Recovery Act's highway infrastructure funds."
Date:
July 31, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Centers for Medicare & Medicaid Services: CMS Should Develop an Agencywide Policy for Translating Medicare Documents into Languages Other Than English
Correspondence issued by the Government Accountability Office with an abstract that begins "The Department of Health and Human Services' (HHS) Centers for Medicare & Medicaid Services (CMS) is the federal agency responsible for administering the Medicare program for nearly 45 million beneficiaries, including beneficiaries with limited English proficiency (LEP)--meaning they may not be proficient or are limited in their ability to communicate in the English language. Medicare beneficiaries face a complex set of health care choices that require them to obtain information about the comparative benefits, costs, and quality of available options. CMS is responsible for providing clear, accurate, and timely information about this program and making the information accessible to beneficiaries. Under section 601 of Title VI of the Civil Rights Act of 1964, entities that receive federal financial assistance are prohibited from discriminating against or otherwise excluding individuals from their programs or activities on the basis of race, color, or national origin. In 1964, as directed under section 602 of Title VI, HHS first published regulations applying these prohibitions to entities receiving federal financial assistance from HHS, including health care organizations. In 2000, Executive Order 13166 was published, requiring federal agencies to take certain step to clarify Title …
Date:
July 30, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Oral History Interview with William McLemore, July 30, 2009
The National Museum of the Pacific War presents an interview with William McLemore. McLemore joined the Navy in March of 1934. Beginning in November he served aboard the USS Augusta (CA-31), with Chester Nimitz as the Commanding Officer. McLemore???s job was swabbing down the decks and serving as twin 50mm gunner. They traveled to Chang Jiang, China, Shanghai, the Solomon Islands, the Philippines and Australia. He provides some details of his experiences in China and Australia. He was discharged from the Navy as Seaman First Class in 1938 and reenlisted as a coxswain in May of 1942. He was assigned to Motor Torpedo Boat Squadron 8 aboard PT-121, and operated on the south coast of New Britain. Their boat was destroyed by Australian aircraft on 27 March 1944. He later served aboard the liberty ship SS John B. Floyd as a coxswain. They traveled to Cairns, Australia. He was discharged in December of 1945.
Date:
July 30, 2009
Creator:
McLemore, William
System:
The Portal to Texas History
U.S. Postal Service: Broad Restructuring Needed to Address Deteriorating Finances
Testimony issued by the Government Accountability Office with an abstract that begins "The U.S. Postal Service's (USPS) financial condition has worsened this year, with the recession and changing mail use causing declines in mail volume and revenues despite postal rate increases. GAO testified in May to this subcommittee that USPS expects these declines to lead to a record net loss and an unprecedented cash shortfall even if ambitious cost cutting is achieved. GAO reported that maintaining USPS's financial viability as the provider of affordable, high-quality universal postal service will require actions in a number of areas, such as (1) rightsizing its retail and mail processing networks by consolidating operations and closing unnecessary facilities and (2) reducing the cost and size of its workforce, which generates about 80 percent of its costs. Today GAO is releasing its report on USPS efforts to improve the efficiency of delivery. Delivery accounts for nearly half of USPS salary and benefit costs. This testimony (1) updates USPS's financial condition and outlook and explains GAO's decision to place USPS's financial condition on the High-Risk List and (2) discusses the need for USPS to restructure its mail processing, retail, and delivery networks and its efforts to improve …
Date:
July 30, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
United Nations: Renovation Still Scheduled for Completion in 2013, but Risk to Its Schedule and Cost Remain
Correspondence issued by the Government Accountability Office with an abstract that begins "In 2008, the United Nations (UN) began construction associated with its Capital Master Plan (CMP) to renovate its headquarters complex in New York City. As the UN's host country and largest contributor, the United States has a substantial interest in the success of the CMP. In this requested update, GAO reviewed the following key areas: schedule, cost, funding, risk management, procurement, and oversight. To perform this work, GAO reviewed UN documents and met with officials from the CMP office and other UN departments. GAO also reviewed select CMP schedules to assess the extent to which they met best practices for scheduling contained in GAO's Cost Estimating and Assessment Guide. To assess oversight and monitoring, GAO reviewed UN documents and oversight reports and interviewed officials from the UN's Office of Internal Oversight Services and officials from the U.S. Department of State (State)."
Date:
July 30, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Influenza Pandemic: Gaps in Pandemic Planning and Preparedness Need to Be Addressed
Testimony issued by the Government Accountability Office with an abstract that begins "As the current H1N1 outbreak underscores, an influenza pandemic remains a real threat to our nation. Over the past 3 years, GAO conducted a body of work, consisting of 12 reports and 4 testimonies, to help the nation better prepare for a possible pandemic. In February 2009, GAO synthesized the results of most of this work and, in June 2009, GAO issued an additional report on agency accountability for protecting the federal workforce in the event of a pandemic. GAO's work points out that while a number of actions have been taken to plan for a pandemic, including developing a national strategy and implementation plan, many gaps in pandemic planning and preparedness still remain. This statement covers six thematic areas: (1) leadership, authority, and coordination; (2) detecting threats and managing risks; (3) planning, training, and exercising; (4) capacity to respond and recover; (5) information sharing and communication; and (6) performance and accountability."
Date:
July 29, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Small Business Administration: Additional Steps Should Be Taken to Address Reforms to the Disaster Loan Program and Improve the Application Process for Future Disasters
Testimony issued by the Government Accountability Office with an abstract that begins "This testimony discusses our work on reforms made to the Small Business Administration's (SBA) Disaster Loan Program and the impact those reforms had following recent disasters. SBA plays a critical role in assisting the victims of natural and other declared disasters. SBA provides financial assistance through its Disaster Loan Program to help homeowners, renters, businesses of all sizes, and nonprofits recover from disasters such as earthquakes, hurricanes, and terrorist attacks. Since the agency's inception in 1953, SBA has approved more than $46 billion in disaster loans for homeowners, businesses, and nonprofit organizations. After the 2005 Gulf Coast hurricanes (Katrina, Rita, and Wilma), SBA faced an unprecedented demand for disaster loans, while also being confronted with a significant backlog of applications; therefore, hundreds of thousands of loans were not disbursed in a timely way. Many criticized SBA for what was perceived to be a slow and confusing response to the disasters and one that exposed many deficiencies in the agency's Disaster Loan Program and demonstrated the need for reform. For example, as we stated in our February 2007 report, SBA did not engage in or complete comprehensive disaster plans …
Date:
July 29, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Veterans' Disability Benefits: Preliminary Findings on Claims Processing Trends and Improvement Efforts
Testimony issued by the Government Accountability Office with an abstract that begins "The Senate Veterans' Affairs Committee asked GAO to present its preliminary findings on the Department of Veterans Affairs' (VA) disability claims process. This statement discusses (1) the trends in VA compensation claims and appeals, and (2) the steps VA is taking to improve disability claims processing. This testimony is based on ongoing work. GAO's findings are based largely on VA performance data and information obtained from VA documents and through interviews with VA officials. This testimony is also based on past GAO work on this subject, updated as appropriate to reflect VA's current workload and initiatives."
Date:
July 29, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Characteristics and Performance of Nonprime Mortgages
Correspondence issued by the Government Accountability Office with an abstract that begins "During the first part of this decade, the number of mortgage originations grew rapidly, particularly in the nonprime segment of the mortgage market, which includes subprime and Alt-A loans. In dollar terms, nonprime loans accounted for an increasing share of the overall mortgage market, rising from 12 percent in 2000 to 34 percent in 2006. Over this period, the dollar volume of nonprime mortgages originated annually climbed from $100 billion to $600 billion in the subprime market and from $25 billion to $400 billion in the Alt-A market. However, these market segments contracted sharply in the summer of 2007, partly in response to a dramatic increase in default and foreclosure rates for these mortgages. As we reported in 2007, a loosening of underwriting standards for subprime and Alt-A loans contributed to this increase. As of the first quarter of 2009, approximately 1 in 8 nonprime mortgages were in the foreclosure process. The negative repercussions from nonprime lending practices has prompted greater scrutiny of this market segment, a number of government efforts to modify troubled loans, and proposals to strengthen federal regulation of the mortgage industry. To inform congressional …
Date:
July 28, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
High Risk Series: Restructuring the U.S. Postal Service to Achieve Sustainable Financial Viability
Other written product issued by the Government Accountability Office with an abstract that begins "GAO is adding the U.S. Postal Service's (USPS) financial condition to the list of high-risk areas needing attention by Congress and the executive branch to achieve broad-based transformation. Amid challenging economic conditions and a changing business environment, USPS is facing a deteriorating financial situation in which it does not expect to cover its expenses and financial obligations in fiscal years 2009 and 2010. This year, USPS expects to increase its year-end debt to $10.2 billion and incur a cash shortfall of about $1 billion. Another key risk factor is the accelerated decline in mail volume. Mail volume declined by 9.5 billion pieces in fiscal year 2008 to about 203 billion pieces. As of the end of May 2009, mail volume had decreased another 18.5 billion pieces, and USPS expects to end fiscal year 2009 with mail volume of 175 billion pieces--about 28 billion pieces fewer than in fiscal year 2008. Further, it expects flat or continued volume and revenue declines over the next 5 years. These trends expose weaknesses in USPS's business model, which has relied on growth in mail volume to help cover costs and …
Date:
July 28, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Home Mortgages: Recent Performance of Nonprime Loans Highlights the Potential for Additional Foreclosures
Testimony issued by the Government Accountability Office with an abstract that begins "This testimony discusses the performance of the nonprime mortgage market as of March 31, 2009, which includes subprime and Alt-A loans. Nonprime loans accounted for an increasing share of the overall mortgage market from 2000 through 2006, rising from 12 percent to 34 percent. Over this period, the dollar volume of nonprime mortgages originated annually climbed from $100 billion to $600 billion in the subprime market and from $25 billion to $400 billion in the Alt-A market. However, in the summer of 2007, the subprime and Alt-A market segments contracted sharply, partly in response to a dramatic increase in default and foreclosure rates for these mortgages. As of the first quarter of 2009, approximately 1 in 8 nonprime mortgages were in the foreclosure process. These developments have prompted greater scrutiny of lending practices in the nonprime market, a number of government efforts to modify troubled loans, and proposals to strengthen federal regulation of the mortgage industry. statement discusses (1) trends in the loan and borrower characteristics of nonprime mortgages originated from 2000 through 2007; (2) the performance of these mortgages by market segment, product type, and geographic location …
Date:
July 28, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Homeland Defense: Preliminary Observations on Defense Chemical, Biological, Radiological, Nuclear, and High-Yield Explosives Consequence Management Plans and Preparedness
Testimony issued by the Government Accountability Office with an abstract that begins "DOD plays a support role in managing Chemical, Biological, Radiological, Nuclear, and High-Yield Explosives (CBRNE) incidents, including providing capabilities needed to save lives, alleviate hardship or suffering, and minimize property damage. This testimony addresses GAO's preliminary observations on DOD's role in CBRNE consequence management efforts and addresses the extent to which (1) DOD's plans and capabilities are integrated with other federal government plans, (2) DOD has planned for and structured its force to provide CBRNE consequence management assistance, (3) DOD's CBRNE Consequence Management Response Forces (CCMRF) are prepared to perform their mission; and (4) DOD has funding plans for the CCMRF that are linked to requirements for specialized CBRNE capabilities. GAO reviewed DOD's plans for CBRNE consequence management and documents from the Department of Homeland Security (DHS) and the Federal Emergency Management Agency. GAO also met with officials from the Undersecretary of Defense for Homeland Defense, U.S Northern Command, U.S. Army Forces Command, U.S. Army North, the National Guard Bureau, and some CCMRF units."
Date:
July 28, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
[Radio advertisement transcript from KTCK "The Ticket" radio, July 28, 2009]
Radio advertisement transcript from KTCK "The Ticket" radio, July 28, 2009, promoting Men's Fashion stores like Ken's Man's Shop, Pockets, Culwell and Son, Sebastian's Closet, Circa 2000, and The Man's Shop.
Date:
July 28, 2009
Creator:
KTCK
System:
The UNT Digital Library
Senate Preservation Fund: Key Transaction-Related Operating Practices Have Been Established but Additional Practices Are Needed
Correspondence issued by the Government Accountability Office with an abstract that begins "In September 2003, the Senate Preservation Fund (Fund) was established within the U.S. Treasury. The Fund is available to the Senate Commission on Art (Commission) to fund various activities related to works of art, historical objects, documents, and materials relating to historical matters, or exhibits in the Capitol and Senate Office buildings. The Library of Congress (Library) provides financial management and disbursing services and support to the Commission. The Government Accountability Office (GAO) is required to audit the Fund and report the results to the Commission. This report presents the results of our audit of the Fund's transactions during the first 5 years of its operations, fiscal years 2004 through 2008. Our audit objectives were to determine whether the Commission and Library had established operating practices to help ensure that (1) the Fund's transactions were authorized in advance, supported by documentation, accurately accounted for, and in compliance with significant provisions of laws and (2) regular transaction reporting and monitoring were in place to effectively oversee transaction execution and safeguard Fund assets."
Date:
July 28, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Terascale Optimal PDE Simulations
The Terascale Optimal PDE Solvers (TOPS) Integrated Software Infrastructure Center (ISIC) was created to develop and implement algorithms and support scientific investigations performed by DOE-sponsored researchers. These simulations often involve the solution of partial differential equations (PDEs) on terascale computers. The TOPS Center researched, developed and deployed an integrated toolkit of open-source, optimal complexity solvers for the nonlinear partial differential equations that arise in many DOE application areas, including fusion, accelerator design, global climate change and reactive chemistry. The algorithms created as part of this project were also designed to reduce current computational bottlenecks by orders of magnitude on terascale computers, enabling scientific simulation on a scale heretofore impossible.
Date:
July 28, 2009
Creator:
Keyes, David
System:
The UNT Digital Library
Warfighter Support: Information on Army and Marine Corps Ground Combat Helmet Pads
Correspondence issued by the Government Accountability Office with an abstract that begins "Combat soldiers operate in diverse environments and face injury threats that place demands on the protective equipment systems they use to provide consistent protection throughout a range of temperatures and threat magnitudes. Protective helmets are one of those systems. In addition to protecting against ballistic threats, Army and Marine Corps ground combat helmets are now designed to absorb energy in order to reduce head injury risk from blunt impacts; previous combat helmets, such as the Personnel Armor System for Ground Troops helmet in use until 2002, were not designed to provide any tested levels of blunt impact protection. The currently used Army Advanced Combat Helmet and Marine Corps Light Weight Helmet are outfitted with a pad suspension system to protect against these threats. These pad suspension systems have been found to offer superior blunt impact protection over the older sling suspension systems. The Explanatory Statement accompanying the Consolidated Security, Disaster Assistance, and Continuing Appropriations Act of 2009 directed GAO to review ground combat helmet pads. In response, this report focuses on two objectives: (1) Who currently provides the pads used in Army and Marine Corps ground combat helmets, …
Date:
July 28, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Air Pollution: Air Quality, Visibility, and the Potential Impacts of Coal-Fired Power Plants on Great Basin National Park, Nevada
Correspondence issued by the Government Accountability Office with an abstract that begins "Great Basin National Park encompasses over 77,000 acres of White Pine County in east-central Nevada and is home to diverse geologic, topographic, and wildlife resources--including ancient bristlecone pines, the world's longest living tree species. The park was created to preserve a representative segment of the Great Basin Region and receives about 80,000 visitors annually. The park features numerous scenic areas with views of the surrounding landscape, which includes both deserts and mountains. The National Park Service (NPS), within the Department of the Interior, is responsible for managing the park, and the park's management plan lists both air quality and visibility as outstanding resources. This plan identifies threats to air quality and visibility--including air pollution from the possible development of coal-fired power plants in the region--and states that even slight increases in air pollution could cause major decreases in visibility. In 2004 and 2006, two companies each initiated the process to build new coal-fired power plants about 55 miles northwest of Great Basin National Park, near the city of Ely, Nevada. While the development of these new power plants would provide jobs, needed electric power, and other benefits, they …
Date:
July 27, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Unemployment Insurance Measures Included in the American Recovery and Reinvestment Act of 2009, as of July 2009
Correspondence issued by the Government Accountability Office with an abstract that begins "This letter is in response to Congressional request to provide information on measures in the American Recovery and Reinvestment Act of 2009 (Recovery Act) to augment unemployment compensation. Unemployment has risen sharply in the current recession, with the June 2009 rate reaching 9.5 percent of the labor force nationally; 15 states and the District of Columbia have unemployment rates exceeding 10 percent. The Recovery Act enacted measures that expanded unemployment compensation benefits for individuals and provided additional funding to states to pay and administer these benefits. These measures include an extension of benefits under Extended Unemployment Compensation (EUC) through 2009; Unemployment Insurance (UI) "modernization" grants to states that expand eligibility according to specific criteria; an increase in weekly benefits of $25; and an exemption of the first $2,400 in unemployment benefits received by individuals in 2009 from taxation."
Date:
July 27, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Oral History Interview with Michael Natt, July 25, 2009
The National Museum of the Pacific War presents an interview with Michael Natt. Natt joined the Army Air Corps in April of 1941. He served with the 95th Bomb Group as a waist gunner in a B-17. In August of 1944 on a bombing mission over Romania his plane was shot down and Natt was wounded. He was taken prisoner by German soldiers and survived an 8-month imprisonment in Stalag Luft III and a 90-day forced road march during the bitter cold winter. After being liberated, he was honorably discharged in October of 1945. Natt re-enlisted in the military in August of 1948 and completed a 30-year career with the U.S. Air Force, retiring in 1974.
Date:
July 25, 2009
Creator:
Natt, Michael
System:
The Portal to Texas History
[American National Bank of Texas Deposit Receipt and Summary]
Checking deposit receipt of $205.00 made on July 24, 2009 and deposit summary of $205.00 made on July 24, 2009.
Date:
July 24, 2009
Creator:
unknown
System:
The UNT Digital Library
DART Rail expansion arriving with billions on board
News release about an economic study showing the positive economic impact of DART's light rail expansion.
Date:
July 24, 2009
Creator:
Lyons, Morgan & Ball, Mark
System:
The Portal to Texas History
Juvenile Justice: Technical Assistance and Better Defined Evaluation Plans Will Help to Improve Girls' Delinquency Programs
Correspondence issued by the Government Accountability Office with an abstract that begins "Girls' delinquency has attracted the attention of federal, state, and local policymakers for more than a decade as girls have increasingly become involved in the juvenile justice system. For example, from 1995 through 2005, delinquency caseloads for girls in juvenile justice courts nationwide increased 15 percent while boys' caseloads decreased by 12 percent. Also, from 1995 through 2005, the number of girls' cases nationwide involving detention increased 49 percent compared to a 7 percent increase for boys. More recently, in 2007, 29 percent of juvenile arrests--about 641,000 arrests--involved girls, who accounted for 17 percent of juvenile violent crime arrests and 35 percent of juvenile property crime arrests. Further, in a 2007 survey of states conducted by the Federal Advisory Committee on Juvenile Justice, 22 states listed girls' delinquency as an issue affecting their states' juvenile justice systems. State justice officials responding to the survey noted that juvenile female offenses have increased sharply and also noted that juvenile female offenders generally had more serious and wide-ranging service needs than juvenile male offenders, including treatment for substance abuse and mental health conditions. As programs have been developed at the state …
Date:
July 24, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library
Project BioShield Act: HHS Has Supported Development, Procurement, and Emergency Use of Medical Countermeasures to Address Health Threats
Correspondence issued by the Government Accountability Office with an abstract that begins "This report formally transmits the briefing in response to section 247d-6c of title 42 of the United States Code. The statute required the Comptroller General to examine the Department of Health and Human Services' (HHS) support for the development and procurement of and authority for the emergency use of medical countermeasures to address chemical, biological, radiological, and nuclear threats to public health, and provide the results to the congressional committees by July 21, 2009."
Date:
July 24, 2009
Creator:
United States. Government Accountability Office.
System:
The UNT Digital Library