The Effect of Private Health Insurance on Medical Care Utilization and Self-Assessed Health in Germany

In Germany, employees are generally obliged to participate in the public health insurance system, where coverage is universal, co-payments and deductibles are moderate, and premia are based on income. However, they may buy private insurance instead if their income exceeds the compulsory insurance threshold. Here, premia are based on age and health, individuals may choose to what extent they are covered, and deductibles and co-payments are common. In this paper, we estimate the effect of private insurance coverage on the number of doctor visits, the number of nights spent in a hospital and self-assessed health. Variation in income around the compulsory insurance threshold provides a natural experiment that we exploit to control for selection into private insurance. We document that income is measured with error and suggest an approach to take this into account. We find negative effects of private insurance coverage on the number of doctor visits, no effects on the number of nights spent in a hospital, and positive effects on health.regression discontinuity design, measurement error, natural experiment, selection into insurance, medical care utilization, private health insurance

Marketing and the Common Good: Implications of \u3cem\u3eCaritas in Veritate\u3c/em\u3e

This paper extends the authors’ previous work on applying Catholic Social Teachings to issues in marketing to the specific question of the common good. Approaches to studying the social impact of marketing and the challenge of adequately defining the common good are discussed. Attention is next given to key vectors of Catholic Social Teaching and their application to ethical issues in marketing. The focus of the analysis is on specific sections in Caritas in Veritate, Pope Benedict XVI’s recent encyclical devoted to providing principles for dealing with the ongoing global economic crisis. A discussion of how these principles might be applied to business and public policy follows. We close with an evaluation of this application

Ethical Marketing: A Look on the Bright Side

This article offers an alternative to conventional approaches to ethical analysis in business and marketing. We submit that studying companies with exemplary records of ethical conduct and social responsibility offers useful and compelling guidance to marketing students and managers. It provides another needed perspective beyond simply examining examples of misconduct or offering normative advice that may not reflect the specifics of corporate situations. Based on examples presented in a recent text by the authors and Better Business Bureau Torch Awardees, we present information on thirteen companies of varying size and from several different industries. That information includes ethics policies, management practices, environmental practices, and company reputation. From these examples, we draw lessons that should offer ethical guidance to marketing managers

CASE STUDY -- LEAN 94-01: Integrators, not Generalists Needed: A Case Study of IPD Teams at Textron Defense Systems

The following case study examines an organization that essentially eliminated traditional functional groups and assigned all employees to cross-functional product or process teams. Although the organizational and cultural change occurred throughout the enterprise, this case will focus primarily on the structure of teams and the management of skills and capabilities within the integrated product development (IPD) core process. In the IPD area, multi-disciplinary teams were established with the expectation that individuals would both retain their own area of expertise and broaden their understanding of the functional expertise of their fellow team members. In essence, team members were expected to become “integrators,” as opposed to “generalists.” Although a major cultural change has occurred over a two-year time period, the change to date is considered as only the first step in an evolutionary process. The transition of this organization from a traditional matrix with strong functional hierarchies to a team-based structure highlights a number of human resource implications, including team selection, performance evaluation and rewards, and career paths. The study will conclude with a summary of lessons learned and the applicability of such an organization to the defense aircraft industry

Last-Mile Delivery Methods in E-Commerce : Does Perceived Sustainability Matter for Consumer Acceptance and Usage ?

Sustainability has gained significant importance in e-commerce, as it impacts both consumer behavior and company success. This paper contributes to the literature on sustainability in ecommerce by studying the perceived sustainability of three common last-mile delivery methods (home delivery, parcel lockers, and click and collect) and other drivers of consumers’ acceptance of each delivery method (perceived costs, convenience). Based on a review of the relevant literature, a conceptual model integrating key determinants of consumers’ attitudes to delivery methods and their intention to use them is derived and tested using a sample of 536 German online buyers. The results demonstrate that perceived ease of use and perceived usefulness increase the acceptance of the delivery methods, whereas perceived costs constrain it. The findings reveal significant influences of perceived sustainability on the acceptance of the delivery methods, which vary between its three components (environmental, economic, and social) and regarding the delivery method. Retailers and collaborating parcel delivery services are advised to continue making last-mile delivery methods more convenient. However, they are also advised to implement standards in terms of environmental and social sustainability and inform customers about their efforts regarding sustainable last-mile delivery to build a competitive advantage in omni-channel retailing

Transport Aircraft System Identification from Wind Tunnel Data

Recent studies have been undertaken to investigate and develop aerodynamic models that predict aircraft response in nonlinear unsteady flight regimes for transport configurations. The models retain conventional static and rotary dynamic terms but replace conventional acceleration terms with more general indicial functions. In the Integrated Resilient Aircraft Controls project of the NASA Aviation Safety Program one aspect of the research is to apply these current developments to transport configurations to facilitate development of advanced controls technology. This paper describes initial application of a more general modeling methodology to the NASA Langley Generic Transport Model, a sub-scale flight test vehicle

On Problems Associated with Modeling Wing-Tail Configurations from Wind Tunnel Data

This paper considers factors that contribute to poor identification of unsteady aerodynamics from wind tunnel data for an airliner configuration. One approach to modeling a wing-tail configuration is considered and applied to both steady and large-amplitude forced pitch oscillation wind tunnel data taken over a wide range of angles of attack but a limited range of amplitude and frequencies. The identified models fit the measured data well but in some cases with inaccurate parameters. Only limited conclusions can be drawn from analysis of the current data set until further experiments can be performed to resolve the identification issues. The analysis of measured and simulated data provides some insights and guidance on how an effective experiment may be designed for wing-tail configurations with nonlinear unsteady aerodynamics

Transport Aircraft System Identification Using Roll and Yaw Oscillatory Wind Tunnel Data

Continued studies have been undertaken to investigate and develop aerodynamic models that predict aircraft response in nonlinear unsteady flight regimes for transport configurations. The models retain conventional static and dynamic terms but replace conventional acceleration terms with indicial functions. In the Subsonic Fixed Wing Project of the NASA Fundamental Aeronautics Program and the Integrated Resilient Aircraft Controls project of the NASA Aviation Safety Program one aspect of the research is to apply these current developments to transport configurations to facilitate development of advanced simulation and control design technology. This paper continues development and application of a more general modeling methodology to the NASA Langley Generic Transport Model, a sub-scale flight test vehicle. In the present study models for the lateral-directional aerodynamics are developed