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This profile was last updated on 7/21/08  and contains information from public web pages and contributions from the ZoomInfo community.

Ruth Rogers Bauman

Wrong Ruth Rogers Bauman?

Employment History

  • Vice President, Actuarial and Underwriting
    Clear Choice Health Plans Inc
  • Vice President, Actuarial and Underwriting Services
    The Regence Group
  • Executive
    The Regence Group
  • Vice President for Actuarial and Underwriting Services
    HMO Oregon
  • Principal
  • Vice President for Underwriting
    Clear One Health Plans


  • Master , Public Administration
    Portland State University
  • bachelor's degree , Zoology
    The Ohio State University
8 Total References
Web References
BEND, Ore.--(BUSINESS WIRE)--July 21, ..., 21 July 2008 [cached]
BEND, Ore.--(BUSINESS WIRE)--July 21, 2008--Clear Choice Health Plans, Inc. (OTCBB:CCHN) today announced it has named Ruth A. Rogers Bauman as vice president, actuarial and underwriting, a newly created position.
Bauman will be responsible for overseeing the company's actuarial and underwriting teams, in addition to working with sales and marketing staff to establish business plans that optimize growth opportunities.
Most recently, Bauman was a principal with Mercer, a health care consulting and brokerage firm, working with large employers.Prior to that, she was an executive with The Regence Group and Regence Blue Cross and Blue Shield for more than 25 years, serving as vice president of actuarial and underwriting services for the Oregon Plan, as well as director of actuarial systems.Bauman received a bachelor's degree in Zoology from The Ohio State University and a Master's in Public Administration from Portland State University.
AHM | Curriculum Development, 28 April 2006 [cached]
Ruth Bauman, Vice President, Actuarial and Underwriting Services, Regence Blue Cross Blue Shield of Oregon
1996_11 | Will States Ban Capitation?, 2 Nov 2004 [cached]
"There's a growing concern about managed care and its impact on quality," says Ruth Rogers Bauman, vice president for actuarial and underwriting services with HMO Oregon, a 450,000-member HMO with its base in Portland.But she says people often forget that there are probably as many medical accidents under other systems as there are under managed care.
"We heard about those for years under fee-for-service, but they didn't blame it on the payment mechanism.There's not a lot of proof that it happens more under managed care.Not doing things can often be helpful, and doing more can be harmful," Bauman says.
But taken from a national perspective, says managed care analyst Boland, the campaign was not surprising.The Oregon anti-capitation initiative reflects a growing national discontent with managed care, manifested in the passage of a number of state laws to regulate the industry.Add to the mix the loss of jobs due to hospital downsizing and medical-office and health-plan consolidation and the climate becomes even more politically volatile, he says.
Bauman says HMO Oregon took a neutral stance vis-a-vis the anti-capitation initiative because it didn't want to appear self-serving and because capitation is just a small part of its strategy."We don't use capitation very much," she says."It's not the only way to do managed care."However, the HMO recently offered a new capitation model for its over-65 population, setting aside part of the capitation for an incentive fund keyed to patient satisfaction scores.
"If anti-managed care moves are going to be headed off, employers are going to have to say capitation helps cut costs," says Bauman."Physicians are going to have to speak up and say we can treat patients well under a capitated managed care system," she says, citing the example of her own physician, who claims to feel freer under capitation because she doesn't have to follow the rules of any health plan.
HMOs could emphasize what they do to measure quality and monitor underutilization and patient satisfaction, and how they serve as a watchdog over capitated medical groups.Do they just give them the money and walk away or do they act as ombudsmen protecting the interests of patients?Answers to questions like that can help offset Aunt Maud's negative anecdote.
"If you're satisfying members and holding down costs, voters aren't likely to want to change the system," concludes Bauman.
Insurance executive Ruth ..., 14 July 2012 [cached]
Insurance executive Ruth Bauman tracked Healthy Kids Connect while working for Clear One Health Plans. She says it was poorly designed and marketed, and had too much red tape.
"People are disappointed it wasn't more successful," she says.
Latest Central Oregon and State Medical News & Politics, 26 Nov 2009 [cached]
"This year what's unusual is the amount of money we get from Medicare, which usually goes up 1 or 2 or 3 percent, went down 3.5 percent," said Ruth Bauman, vice president for underwriting for Clear One Health Plans, the Bend-based insurer formerly known as Clear Choice. "So on average, our premiums are going up $45 a month."
As a result, Clear One's Value plan increased its monthly premium from $77 to $124, a 61 percent increase. The percentage increase is so big because Medicare so heavily subsidizes the plan for each member but is cutting that subsidy for 2010.
Bauman explained that plans in Oregon get about $800 a month per member from Medicare. Premiums and other cost-sharing must be set high enough to cover the difference between what Medicare pays them and the plans' projected costs. The $45 increase in Clear One's monthly premiums represents the amount of shortfall created when it received a 3.5 percent cut in payments instead of an annual increase for 2010.
Plans are also regulated in terms of how much of a previous year's loss can be recouped in the following year. Bauman said premiums include a certain margin, and if their costs exceed their revenues, they have no way of making that up later.
"For this year's (2010) increase, we actually reduced the amount of margin we put into the rates because we knew we were going to have a large rate increase," she said.
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