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- November 2022
- Case
The Battle Among Channels for Marketing Pharmaceuticals: UpScript, Pharmacy Benefit Managers, and Direct-to-Consumer Sales
By: Regina E. Herzlinger and Tiffany Farrell
Can an online pharmacy both improve the quality and speed of care for patients who need branded drugs and stabilize profits for pharmaceutical manufacturers? UpScript, after years spent achieving legal and regulatory compliance and simultaneous technological...
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- October 2022
- Case
Beam Dental (A)
By: Rembrand Koning and Alicia Dadlani
In May 2014, Alex Frommeyer, cofounder and CEO of Kentucky-based Beam Dental, a seed-stage startup that developed connected toothbrushes that tracked brushing habits, needed to decide which strategy to pitch to a venture capital firm. The first pitch deck played to the...
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- October 2022
- Supplement
Beam Dental (A): Pitch Deck Supplement 1
By: Rembrand Koning and Alicia Dadlani
Early pitch deck (one of two). This case is a supplement to Beam Dental (A) 723-355.
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- October 2022
- Supplement
Beam Dental (B)
By: Rembrand Koning and Alicia Dadlani
In May 2016, venture-backed Beam Dental was on the brink of financial collapse. Cofounder and CEO Alex Frommeyer weighed the unattractive terms of a bridge loan offered by Beam’s largest investor. Frommeyer needed to decide whether to accept the terms or concede defeat...
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- September 2022
- Technical Note
Addressing Social Determinants of Health in the American Landscape
By: Susanna Gallani and Jacob Riegler
Social determinants of health (SDOH) have gained significant attention in recent years. A growing body of research shows that a person’s health is influenced by a large number of non-genetic factors, most of which operate outside the realm of health care and are...
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- 2022
- Article
Rapid Growth of Remote Patient Monitoring Is Driven by a Small Number of Primary Care Providers
By: Mitchell Tang, Ateev Mehrotra and Ariel Dora Stern
Growing enthusiasm for remote patient monitoring has been motivated by the hope that it can improve care for patients with poorly controlled chronic illness. In a national commercially insured population in the U.S., we found that billing for remote patient monitoring...
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- August 2022
- Case
Icario Health: AI to Drive Health Engagement
By: David C. Edelman
Icario Health has built a market-leading AI engine to help health insurers drive better health behaviors for their members, enabling the insurers to improve their Medicare.
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- July 2022
- Case
A Soul and a Service: North Carolina Mutual Life Insurance
By: Tom Nicholas and John Masko
The North Carolina Mutual and Provident Association (the Mutual) was founded in 1898 as a for-profit entity selling life insurance catering to the Black community. The Mutual was entering a field crowded with established White-owned competitors that largely refused to...
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- July 2022
- Article
The Pass-Through of Uncertainty Shocks to Households
By: Marco Di Maggio, Amir Kermani, Rodney Ramcharan, Vincent Yao and Edison Yu
Using new employer-employee matched data, this paper investigates the impact of uncertainty, as measured by idiosyncratic stock market volatility, on individual outcomes. We find that firms provide at best partial insurance to their workers. An increase in firm-level...
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Keywords:
Employment Risk;
Consumption;
Employment;
Risk and Uncertainty;
System Shocks;
Insurance;
Household;
Spending
- May 2022 (Revised August 2022)
- Case
LOOP: Driving Change in Auto Insurance Pricing
By: Elie Ofek and Alicia Dadlani
John Henry and Carey Anne Nadeau, co-founders and co-CEOs of LOOP, an insurtech startup based in Austin, Texas, were on a mission to modernize the archaic $250 billion automobile insurance market. They sought to create equitably priced insurance by eliminating pricing...
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- Article
Early Withdrawal of Pandemic Unemployment Insurance: Effects on Earnings, Employment and Consumption
By: Kyle Coombs, Arindrajit Dube, Calvin Jahnke, Raymond Kluender, Suresh Naidu and Michael Stepner
In June 2021, 22 states ended all supplemental pandemic unemployment insurance (UI) benefits, eliminating benefits entirely for over 2 million workers and reducing benefits by $300 per week for over 1 million workers. Using anonymous bank transaction data and a...
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- April 2022
- Teaching Note
CVS Health: Prescription for Transformation
By: Rosabeth Moss Kanter and Catarina Martinez
In 2021, new CEO Karen Lynch (named the most powerful woman in business) considered the next transformation phase for CVS Health (a Fortune 5 corporate giant). The 2018 acquisition of Aetna insurance brought her to the company as part of its long evolution from a...
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Keywords:
Health;
COVID-19 Pandemic;
Primary Care;
Leadership;
Change Management;
Women Executives;
Retail;
Pharmacy;
Pharmacy Benefit Manager;
Clinical Trials;
Vaccination;
Acquisition;
Innovation and Invention;
Transformation;
Retail Industry;
Pharmaceutical Industry;
Health Industry;
United States
- April 2022
- Article
AI Insurance: How Liability Insurance Can Drive the Responsible Adoption of Artificial Intelligence in Health Care
By: Ariel Dora Stern, Avi Goldfarb, Timo Minssen and W. Nicholson Price II
Despite enthusiasm about the potential to apply artificial intelligence (AI) to medicine and health care delivery, adoption remains tepid, even for the most compelling technologies. In this article, the authors focus on one set of challenges to AI adoption: those...
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- February 2022 (Revised April 2022)
- Case
CVS Health: Prescription for Transformation
By: Rosabeth Moss Kanter and Tuna Cem Hayirli
In 2021, new CEO Karen Lynch (named the most powerful woman in business) considered the next transformation phase for CVS Health (a Fortune 5 corporate giant. The 2018 acquisition of Aetna insurance brought her to the company as part of its long evolution from a...
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- February 2022
- Case
Sekisui House and the In-Home Early Detection Platform
By: John D. Macomber and Akiko Kanno
To address an aging population and sales declines, major Japanese homebuilder considers pivoting to provide and support an in-home health detection platform, in competition with tech companies. This case considers the point of view of major builders regarding how...
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- December 2021
- Teaching Note
Value-Based Insurance Design at Onex
By: Joshua Schwartzstein, Amitabh Chandra and Amram Migdal
Teaching Note for HBS Case No. 921-023.
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- December 2021
- Teaching Plan
Slice Labs: Creating a Fraud-free Online Insurance Platform
By: Amit Goldenberg and Max Bazerman
Teaching Plan for HBS Case No. 921-712.
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- December 2021
- Case
Slice Labs: Creating a Fraud-free Online Insurance Platform
By: Amit Goldenberg, Max Bazerman and Ruth Page
"Slice Labs: Creating a Fraud-Free Online Insurance Platform" engages students with the challenge of how to influence other parties to not engage in fraud in the context of digital insurance. The case is centered around Slice, a digital insurance company that was...
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Keywords:
Technology;
Insurance;
Digitization;
Honesty;
Negotiation;
Fraud;
Ethics;
Negotiation Process;
Negotiation Tactics;
Negotiation Types;
Social Psychology;
Conflict and Resolution;
Trust;
Fairness;
Moral Sensibility;
Values and Beliefs;
Crime and Corruption;
Insurance Industry;
Insurance Industry;
United States;
Canada
- 2 Dec 2021
- Interview
How To Make Healthcare Innovation Happen
Regina Herzlinger has been called “the godmother of consumer-driven healthcare” because of her groundbreaking scholarly articles and books on the subject. As a professor of business administration at Harvard Business School for nearly 50 years, her focus has supported...
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- September 2021
- Supplement
Telepass: From Tolling to Mobility Platform
By: Chiara Farronato, Stefano Denicolai and Sarah Mehta
This supplementary dataset can be paired with the case entitled “Telepass: From Tolling to Mobility Platform” (case no. 622-011), to allow students the opportunity to analyze data before class.
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Keywords:
Analysis;
Change;
Change Management;
Transformation;
Transition;
Innovation and Invention;
Strategy;
Information Technology;
Mobile and Wireless Technology;
Transportation;
Transportation Networks;
Value;
Value Creation;
Insurance Industry;
Insurance Industry;
Insurance Industry;
Europe;
Italy;
Milan