Robert wood johnson plan choice challenge 2014,computer desk 3d model,desk woodworking designs 2014 - 2016 Feature

Mistakes might result from being unable to find info on specific plan features, like availability of preferred doctors or hospitals. Many consumers find insurance terms and math confusing and don’t know what various services cost or the probabilities of needing such services. Meaningful cost comparison - A single-dollar-amount actuarial estimate of average total yearly cost (premium plus out-of-pocket) for someone like the user (same family size, age, health status, planned high-cost procedures, etc.). Stride Health is the world’s first health insurance recommendation engine, matching individuals with the perfect plan for their lives. The Clear Health Analytics (CHA) tool asks users for a few targeted inputs, including demographic information, plan preferences for in-network doctors and prescriptions, and known health conditions. Congratulations to the winners of this challenge, Consumers' Checkbook, Stride Health & Clear Health Analytics. Read more about how these solutions are influencing consumers' choice and plan decision support here. BackgroundThis challenge seeks solutions that use data to develop an app that will help consumers compare health plan cost sharing features and choose the best plan. The market for health insurance is becoming increasingly oriented toward direct-to-consumer sales.
Given these trends, there is more attention being focused on the types of tools that are available to consumers to choose health insurance plans.
Variation in cost-sharing features of plans in the Health Insurance Marketplaces is considerable.
DescriptionThe Robert Wood Johnson Foundation is striving to spur new innovations in health technology that helps consumers make better health care decisions, including selecting health plans, understanding cost-sharing information, and choosing the best provider based on quality ratings and patient experience. The RWJF Plan Choice Challenge offers an opportunity for developers and designers to use the data to create applications that can help consumers make a more informed decision when purchasing health insurance. For the RWJF Plan Choice Challenge, entrants will focus on designing plan choice tools that effectively and fully represent cost-sharing features, allowing for better consumer decision-making. Evaluation CriteriaThe Challenge requires an app that informs consumers to make better decisions for choosing a health plan. The following are the Official Rules (the “Rules” ) governing the RWJF Plan Choice Challenge (the “Challenge” ) sponsored by the Robert Wood Johnson Foundation (the “Sponsor” ). SUBMISSION OF AN ENTRY (AS DEFINED BELOW) IN THE CHALLENGE CONSTITUTES FULL AND UNCONDITIONAL AGREEMENT TO AND ACCEPTANCE OF THESE RULES. Special note to Entrants who are entering as part of a team: If an Entrant enters as part of a team, the Entrant understands and agrees that submission of an Entry constitutes a representation and warranty by Entrant that all of the members of the team have read and accepted the Rules. Entrants who are determined at any time to have violated the eligibility criteria will be disqualified from the Challenge. As used herein, the term “Affiliated Persons” means (a) the trustees, directors, officers, shareholders, members, employees, clients (with respect to the Administrator only), contractors, agents, representatives and affiliates of the Sponsor, the Administrator and any entity associated with the funding, administration, or processing of the Challenge and (b) the members of the Immediate Family (as defined below) of any of the persons identified in the foregoing clause (a).
Entry into the Challenge does not constitute entry into any other challenge or promotion that may be offered by the Sponsor or the Administrator.
In addition, it is anticipated that the first place winner chosen during Phase 2 will be given an opportunity to attend (at the Sponsor’s expense) and present at the Health 2.0 Fall 2014 conference.
It is anticipated that Prizes will be distributed within ninety days of the announcement of the winners. Winners may be required to execute an Affidavit of Eligibility, a Liability Release, and a Publicity Release (collectively, the “Prize Claim Documents” ) as a condition to receiving a Prize. Unlawful, plagiarized, third-party intellectual property infringing, unintelligible, illegible, obscene, indecent or incomplete entries will be disqualified in the Sponsor's sole discretion. The Sponsor and the Administrator each reserves the right in their sole discretion to disqualify any Entrant who is found to be tampering with the entry process or the operation of the Challenge or the Challenge Website or other Challenge-related websites, to be acting in violation of these Rules, or to be acting in an unsportsmanlike or disruptive manner, or with the intent to disrupt or undermine the legitimate operation of the Challenge, or to annoy, abuse, threaten, or harass any other person. Except as otherwise stated in these Rules, personal information collected in connection with the Challenge will be used by Sponsor and the Administrator in accordance with Sponsor’s privacy policy, located here, and with any additional consent given by an entrant at the time of entry. Notwithstanding the foregoing, each Entrant acknowledges that the Sponsor is a philanthropy that in the course of its normal charitable activities makes grants for projects across a wide range of disciplines and that the Sponsor may currently fund or may in the future make grants for projects that may be directly or indirectly related to Entries submitted for the Challenge. Receive the latest health technology news, event information, and award opportunities every Thursday.

A Developer Challenge announcement from the Robert Wood Johnson Foundation, including a live Demo from the winning team, CHECKBOOK!
Many choose based on shortcuts like premium alone, deductible, or metal level and waste $1,000s compared to the cost of a plan that, with better information, they'd prefer. We don’t accept advertising fees or commissions, so need government or foundation support or a flat per user fee from entities offering the tool. Stride’s patent-pending recommendation algorithm delivers plans to consumers by providing the first "apples-to-apples comparison" of total annual costs: premiums *plus* expected out of pocket spend. Using a nationally representative sample of data, CHA’s patent-pending process models cost and utilization for dozens of illnesses and conditions against the provisions of available plans to give consumers a customized estimate of their annual out-of-pocket medical expenses. Submissions require a text description of the solution, a PowerPoint presentation and wireframes of the application.
A major impetus for this was the establishment of the Health Insurance Marketplaces as part of the Affordable Care Act.
There are a number of plan choice tools that have been created by state and federal government, insurance brokers, private exchange managers, and other entities. For example, in a given rating area, consumers may have a choice of 25 or more plans at a given metal level.
RWJF’s strategic goals for the challenge are to bring attention to the dataset, illustrate the variation in consumer choice, push toward greater direct consumer purchasing of health plans, and finally, help consumers make the best financial decision when purchasing a health plan. This challenge will make use of a unique data set which has been provided by Breakaway Policy Strategies. ELIGIBILITY: The Challenge is open only to (a) business and nonprofit entities formed and maintaining a principal place of business in the United States and (b) individuals and teams of no more than five individuals, who are (i) citizens or permanent residents of the United States and (ii) of the legal age of majority, at the time of entry, to form valid contracts in their respective jurisdiction of legal residence (each individual, each team, each individual member of a team, and each entity is referred to as an “Entrant” in these Rules).
Furthermore, the Entrant understands that if the Entrant enters without obtaining the appropriate approval, the Sponsor may, in its sole discretion, disqualify the Entrant’s Entry.
CHALLENGE DESCRIPTION: The Challenge seeks to develop applications (in accordance with the technical specifications posted on the Challenge Website (as defined below)) that helps that helps consumers make better health care decisions, including selecting health plans, understanding cost-sharing information, and choosing the best provider based on quality ratings and patient experience using the data published by the Robert Wood Johnson Foundation.
The Sponsor and the Administrator reserve the right, in addition to those other rights reserved herein, to modify any dates or deadlines set forth in these Rules or otherwise governing the Challenge. No substitutions or new versions of Entries will be accepted under any circumstances once the original Entry is submitted for consideration. The Sponsor is not responsible for entries that are late, lost, stolen, misdirected or non-deliverable due to any reason whatsoever, including, and without limitation, online communication malfunction or failure, computer or computer program malfunction or failure or human error that may occur in the processing of entries to this Challenge. The Sponsor reserves the right to scrutinize all new Entries for these requirements at any time during or after the Challenge. Subject to Section 8 below, all Entries become the property of Sponsor and will not be acknowledged or returned.
INDEMNIFICATION: Each Entrant, by submitting an Entry, agrees to indemnify, defend, and hold harmless the Sponsor, the Administrator, and each of their respective directors, trustees, officers, employees, agents, consultants, and successors and assigns, from and against all third party claims, actions, or proceedings of any kind and from any and all damages, liabilities, costs, and expenses relating to or arising from Entrant’s Entry or any breach or alleged breach of any of the representations, warranties, and covenants of Entrant hereunder.
By submitting an Entry, each Entrant acknowledges and agrees that the Sponsor shall have no liability for making grants to projects that involve ideas, procedures, processes, systems, methods of operation, concepts, or principles that may also be present in an Entry. NOTICE TO WINNERS: Attempts to notify potential winners will be made using the contact information provided on the winner's Official Entry Form. GENERAL LIABILITY RELEASE: Each Entrant agrees that the Sponsor and the Administrator (a) shall not be responsible or liable for any losses, damages, or injuries of any kind (including death) resulting from participation in the Challenge or any Challenge-related activity, or from entrants' acceptance, receipt, possession, use, or misuse of any Prize, and (b) have not made any warranty, representation, or guarantee, express or implied, in fact or in law, with respect to any Prize, including, without limitation, regarding such prize's merchantability or fitness for a particular purpose.
MODIFICATION OF THE RULES: These Rules cannot be modified or amended in any way except in writing by Sponsor.
Most consumers can’t figure out: is a plan with a $200 deductible and a $12,000 out-of-pocket limit better for me than one with a $2,000 deductible and a $4,000 out-of-pocket limit—and how about differences in co-pays, coinsurance, etc.? An individual can enter as much, or as little, information as she wants about her personal health profile to refine the forecast and plan recommendation.
However, employers are increasingly establishing private exchanges for their workers, and the establishment of SHOP may provide another exchange opportunity for small employers. While many of these tools have positive attributes, there is widespread recognition that consumer choice is not being sufficiently supported.
Many times these plans will appear to be very similar, but often can differ in ways that may have significant financial implications for consumers, depending on their particular use of health services.

This data set consists of cost-sharing features of every silver plan for sale in every network. In addition, once a team has registered, the team may not add, remove, or substitute members or otherwise change the composition of the team for the duration of the Challenge.
Finally, if an entity is selected to receive a Prize, an officer or person entitled to bind the entity will be required to validate that the Entrant is entitled to receive the Prize on the behalf of the entity and the officer or person entitled to bind the entity must provide the appropriate information for payment of the Prize. The Challenge will be conducted in two phases: During Phase 1, five winning Entrants will be selected as semi-finalists from the entries submitted during the Entry Period (as defined below) (each, a “Semi-Finalist” ).
In the event of a dispute about the identity of any Entrant, an online registration will be declared as if made by the authorized account holder of the e-mail address submitted at time of entry. If the Entry includes any third party works (such as third party content or open source code), the Entrant must provide the Sponsor with all appropriate licenses and releases for such third party works. By participating in the Challenge, each Entrant hereby irrevocably grants to each of the Sponsor and the Administrator a non-exclusive, royalty free, sub-licensable, worldwide, license and right to use the Entry to the extent necessary to administer the Challenge, and to publicly perform and publicly display the Entry, including, without limitation, for advertising and promotional purposes relating to the Challenge.
The Sponsor and the Administrator are not responsible for e-mail or other communication problems of any kind. The Sponsor and the Administrator assume no responsibility for any damage to an Entrant's computer system which is occasioned by accessing the Challenge Website or other Challenge-related websites or participating in the Challenge, or for any computer system, phone line, hardware, software, or program malfunctions, or other errors, failures, delayed computer transmissions, or network connections that are human or technical in nature. If the Challenge is terminated for Force Majeure before expiration of the Challenge Period, the Administrator will (if reasonably possible) select a winner from all eligible, non-suspect entries received as of the date of the event giving rise to the termination.
The invalidity or unenforceability of any provision of these Rules shall not affect the validity or enforceability of any other provision.
ANY LEGAL CLAIMS ARISING FROM OR RELATING TO THE CHALLENGE OR THESE OFFICIAL RULES MUST BE BROUGHT IN THE FEDERAL OR STATE COURTS LOCATED IN MIDDLESEX COUNTY, NEW JERSEY, AND EACH ENTRANT HEREBY CONSENTS AND WAIVES ANY OBJECTION TO THE JURISDICTION OF SUCH COURTS FOR SUCH DISPUTES. We’ve built a rich suite of data sets to help people keep their doctors, price their drugs and plan for care — all before they buy insurance. Many plan choice tools currently focus primarily on premiums, therefore ignoring other cost-sharing features that could be highly significant. The data set is available in machine-readable format on the Reform by the Numbers Page of the RWJF website. Finally, the eligibility of the Entrant is tied to the team's eligibility; if one member of the team does not comply with these Rules or is disqualified, the team as a whole will be disqualified. During Phase 2, which is currently expected to run from the end of the Entry Period through January 12, 2015, three winning entries will be chosen from among the Semi-Finalists; Phase 2 will be open only to the Semi-Finalists selected from Phase 1. In the event the Entrant cannot provide all such required licenses and releases, the Sponsor reserves the right, in Sponsor's sole discretion, to disqualify the applicable Entry, or seek to secure the licenses and releases for the Sponsor’s benefit and allow the applicable Entry to remain in the Challenge. If, despite reasonable efforts, a potential winner does not respond within five days of the first notification attempt (or a shorter time as exigencies may require), or if the Prize or prize notification is returned as unclaimed or undeliverable to such potential winner, such potential winner will forfeit the Prize and an alternate winner may be selected. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these Rules shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein.
To make this possible, Stride's team also rebuilt and cleaned core health plan data — everything from benefits models to formularies and doctor networks — in order to evaluate every available plan on the market. THE WINNER IS RESPONSIBLE FOR REPORTING AND PAYING ANY INCOME TAXES OR OTHER TAXES THAT MAY APPLY TO ACCEPTING A PRIZE; THE SPONSOR AND THE ADMINISTRATOR ARE NOT RESPONSIBLE FOR AND WILL NOT PAY ANY SUCH TAXES. Each such Entrant also agrees that it will execute all such documents and take all such actions necessary to complete or evidence these license rights. If any potential prize winner is found to be ineligible, or the Entrant in question has not complied with these Rules or declines the applicable Prize for any reason prior to award, such potential prize winner will be disqualified and an alternate winner may be selected.
Providing total cost information, combined with information on preferred doctors and prescriptions allows users to select the plan that best suits their needs.

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