I have Humana. When someone asks if I have MediCAID, can I say yes?

The people that help design policies are called actuaries. Outside of the company, they're usually applied math major graduates. Other people are involved too, like health and also business and law experts.

Inside the company, it's probably mostly business and law leaning on the shoulders of some external help.

An ACTUARY is a person who determines statistically how long a person will live if they are of age A, height B, weight C, smoking status D, blood pressure E, cholesterol reading F, family history G, alcoholic drinking habit H, and maybe a few more letters. Once the actuary determines your expected life span, he mathematically derives premium payments for a given death benefit. The actuary needs to be mindful that if he charges too much the client will go elsewhere and if he charges too little, it puts his own company at risk.

The actuary is at the core of the process, but once they arrive at a premium schedule, lawyers frame it in language designed to protect the interests of the insurance carrier. People from Sales and Marketing may also have input to create a unique selling proposition to differentiate their product from those of their competitors.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.