Analysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies: case of hpc in Colombia
The management of the technical reserve in Empresas Promotoras de Salud (EPS) in Colombia demonstrates adequate financial capacity to ensure the effective delivery of healthcare services. Nevertheless, the reserve's inherent nature and the unpredictability it engenders in planning engender fina...
- Autores:
-
Navarro Charris, Nelvis
Barrientos Perez, Enoc
Ortiz, Olson
Duarte Rey, Diego Mauricio
- Tipo de recurso:
- Article of investigation
- Fecha de publicación:
- 2024
- Institución:
- Corporación Universidad de la Costa
- Repositorio:
- REDICUC - Repositorio CUC
- Idioma:
- eng
- OAI Identifier:
- oai:repositorio.cuc.edu.co:11323/13324
- Acceso en línea:
- https://hdl.handle.net/11323/13324
https://repositorio.cuc.edu.co/
- Palabra clave:
- Authorization
Billing
Decree 1492 (2022)
Decree 2702 (2014)
Decree 780 (2016)
Law 100 of 199
Resolution 4175 (2014)
Resolution 412 (2015)
Technical Reserve
Time series
Undetected debt
- Rights
- openAccess
- License
- Atribución-NoComercial-SinDerivadas 4.0 Internacional (CC BY-NC-ND 4.0)
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Analysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies: case of hpc in Colombia |
| title |
Analysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies: case of hpc in Colombia |
| spellingShingle |
Analysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies: case of hpc in Colombia Authorization Billing Decree 1492 (2022) Decree 2702 (2014) Decree 780 (2016) Law 100 of 199 Resolution 4175 (2014) Resolution 412 (2015) Technical Reserve Time series Undetected debt |
| title_short |
Analysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies: case of hpc in Colombia |
| title_full |
Analysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies: case of hpc in Colombia |
| title_fullStr |
Analysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies: case of hpc in Colombia |
| title_full_unstemmed |
Analysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies: case of hpc in Colombia |
| title_sort |
Analysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies: case of hpc in Colombia |
| dc.creator.fl_str_mv |
Navarro Charris, Nelvis Barrientos Perez, Enoc Ortiz, Olson Duarte Rey, Diego Mauricio |
| dc.contributor.author.none.fl_str_mv |
Navarro Charris, Nelvis Barrientos Perez, Enoc Ortiz, Olson Duarte Rey, Diego Mauricio |
| dc.subject.proposal.eng.fl_str_mv |
Authorization Billing Decree 1492 (2022) Decree 2702 (2014) Decree 780 (2016) Law 100 of 199 Resolution 4175 (2014) Resolution 412 (2015) Technical Reserve Time series Undetected debt |
| topic |
Authorization Billing Decree 1492 (2022) Decree 2702 (2014) Decree 780 (2016) Law 100 of 199 Resolution 4175 (2014) Resolution 412 (2015) Technical Reserve Time series Undetected debt |
| description |
The management of the technical reserve in Empresas Promotoras de Salud (EPS) in Colombia demonstrates adequate financial capacity to ensure the effective delivery of healthcare services. Nevertheless, the reserve's inherent nature and the unpredictability it engenders in planning engender financial risks that impair the long-term viability of such companies. The study aims to examine how filed invoices, unsubmitted authorizations, and estimated unknown debts affect the technical reserve of EPSs in Colombia from 2016 to 2021 using statistical methods like Online Linguistic Support, Autoregressive Moving Average, Autoregressive Conditional Heteroscedasticity, and Vector Autoregression. A descriptive and correlational study was conducted, considering current regulatory policies and the health insurance industry. Time series data were analyzed and revealed an inverse correlation between the explanatory and response variables. The method permits the assessment of two variables that impact technical reserve management: an increase in filed invoices and undetected claims results in decreased reserves, and filed authorizations have the opposite effect. Technical term abbreviations are explained upon their initial use in the text. Citations follow a consistent footnote style and formatting features. Similarly, we forecasted the impulse response function for the effect of technical reserves and suggested developing a predictive methodology to manage, regulate, or eradicate financial management vulnerabilities linked to HPC in Colombia. We emphasize the significance of precise authorizations for medical services since undiscovered debts may lead to financial losses for health care providers. A systematic approach is necessary to adhere to applicable regulations, including Law 100 of 1993 and associated resolutions and decrees. Healthcare providers can enhance their financial performance by ensuring accurate authorization and billing practices, thereby avoiding financial penalties. |
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2024 |
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2024-09-13T13:44:54Z |
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2024-09-13T13:44:54Z |
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2024 |
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Artículo de revista |
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Nelvis Navarro Charris, Enoc Barrientos Perez, Olson Ortiz Tovar, Diego Duarte Rey, Analysis of the Impact of Billing, Authorizations and Unknown Debts on the Technical Reserve of Health Promotion Companies: Case of HPC in Colombia, Procedia Computer Science, Volume 231, 2024, Pages 607-614, ISSN 1877-0509, https://doi.org/10.1016/j.procs.2023.12.177. |
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1877-0509 |
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https://hdl.handle.net/11323/13324 |
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10.1016/j.procs.2023.12.177 |
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Corporación Universidad de la Costa |
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REDICUC - Repositorio CUC |
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https://repositorio.cuc.edu.co/ |
| identifier_str_mv |
Nelvis Navarro Charris, Enoc Barrientos Perez, Olson Ortiz Tovar, Diego Duarte Rey, Analysis of the Impact of Billing, Authorizations and Unknown Debts on the Technical Reserve of Health Promotion Companies: Case of HPC in Colombia, Procedia Computer Science, Volume 231, 2024, Pages 607-614, ISSN 1877-0509, https://doi.org/10.1016/j.procs.2023.12.177. 1877-0509 10.1016/j.procs.2023.12.177 Corporación Universidad de la Costa REDICUC - Repositorio CUC |
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https://hdl.handle.net/11323/13324 https://repositorio.cuc.edu.co/ |
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eng |
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eng |
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Procedia computer science |
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[1] Cichon, M., Newbrander, W., Yamabana, H., Normand, C., Weber, A., Dror, D., and Preker, A. (1999). "Modelling in health care finance: A compendium of quantitative techniques for health care finance." International Labour Organization. A compendium of quantitative techniques for health care finance". International Labour Organization. [2] Guerrero, G., Halabi-Echeverry, A. X., and Aldana, J. C. (2020). "Metadata for standards complementation and formalization of technical reserve calculation." International Conference on Interoperability for Enterprise Systems and Applications (pp. 253-264). Cham: Springer International Publishing. [3] Maria, A. (2011). "Valuation and reserving theory in general insurance". Contemporary Legal and Economic Issues, 3, 211. [4] Therond, P., and Planchet, F. (2007). "Technical reserves and solvency capital of the insurance company: how to use value-at-risk?". Orlando: Casualty Actuarial Society. Retrieved from http://www.actuaries.org/ASTIN/Colloquia/Orlando/Papers/Therond_EN.pdf. [5] Hudakova, M., and Adamko, J. (2016). "Technical reserves in insurance and the Slovak insurance market". Економiчний часопис-XXI, 162(11-12), 98-103. [6] Costa, J. I. B., de Armas, G., and Alvarez-Vaz, R. (2022). "Estudio De Algunos Métodos De Reservas Técnicas En Condiciones De Incertidumbre Para Seguros De No Vida." [7] Thérond, P. E., and Planchet, F. (2007). "Technical reserves and solvency capital of insurance company: how to use the Value-at-Risk?" ("Technical reserves and solvency capital of insurance company ... - Actuaries") available online at http://www. ressourcesactuarielles. net/EXT/ISFA/1226. nsf/0/de872ae6e908b706c125716200575052/$ FILE/ATT87L2Y/THEROND% 20PLANCHET. [8] Gaganis C., Hasan I. and Pasiouras F. (2011). "Regulations, Institutions and Income Smoothing through Technical Reserve Management: International Evidence from the Insurance Industry, CAREFIN-Centre." ("Regulations, institutions and income smoothing by managing technical ...") Applied research in finance working paper 4/2011, Milan, June, available at: http://www.carefin.unibocconi.eu; 2011. [9] Gaganis, C., Hasan, I., and Pasiouras, F. (2016). "Regulations, institutions and income smoothing through technical reserve management: International evidence from the insurance industry." ("Regulations, institutions and income smoothing by managing technical ...") Omega, 59, 113-129. [10] Lütkepohl, H. (2005). New introduction to multiple time series analysis. Springer Science & Business Media. [11] Greene, W. H. (2003). Econometric analysis. Pearson Education. [12] Jenkins, G. M., Box, G. E., & Reinsel, G. C. (2011). "Análisis de series temporales: previsión y control (Vol. 734)". John Wiley & Sons. [13] Ramos, C. A. R. (2005). Real effects of anticipated and unanticipated money: the Barro methodology in a vector autoregressive and multicointegration model for the Mexican economy, 1980-1999. Economic Research, 85-110. [14] Eckles, D. and Halek, M. (2010). Insurer reserve error and executive compensation. Journal of Risk and Insurance, 77(1): 329-346. [15] Gaver, J. and Paterson, J. (2004). Do insurers manipulate loss reserves to mask solvency problems? Journal of Accounting and Economics, 37(1): 393-416. [16] Hipp, C., and Plum, M. (2000). Optimal investment for insurers. Insurance: Mathematics and Economics, 27(2): 215-228. [17] Mack, T. (1993). Distribution-free calculation of the standard error of chain ladder reserve estimates. Astin Bulletin, 23(2): 213-225. [18] Mack, T. (1999). The standard error of chain ladder reserve estimates: Recursive calculation and inclusion of a tail factor. Astin Bulletin, 29(2): 361-366. [19] Verrall, R. and England, P. (2002). Stochastic Claims Reserving in General Insurance. British Actuarial Journal, 8(3), 443-518, 2002. [20] Achig Estrella, R. A., and Herrera Guachamín, M. A. (2023). Estimation of a multiple linear regression model to determine the socioeconomic factors that affect the crime rate in Ecuador, 2010-2020 (Bachelor's thesis, Quito: UCE);75-80 [21] Gesmann, M., Murphy, D., Zhang, Y., Carrato, A., Wuthrich, M., Concina, F. y Dal Moro, E. (2022). ChainLadder: Statistical Methods and Models for Claims Reserving in General Insurance, R package version 0.2.15. Disponible: https://CRAN.R-project.org/ package=ChainLadder,2022. [22] Ramos, C. A. R. (2005). Real effects of anticipated and unanticipated money: the Barro methodology in a vector autoregressive and multicointegration model for the Mexican economy, 1980-1999. Economic Research, 85-110. [23] Lopera Rojas, A. M. (2022). "Practical application of the technical reserve methodology for health insurance entities in Colombia." ("Dipòsit Digital de la Universitat de Barcelona: Aplicación práctica de ..."). Thesis in Actuarial and Financial Sciences. University of Barcelona. [24] Nyaga, V. (2023). METAPREG: Stata module to compute fixed and random effects meta-analysis and meta-regression of proportions. [25] Moreno Arevalo, M. A., & Melo Contreras, E. A. (2019). "Technical reserve forecasting for a health sector company HPC-SEM under BOXJENKINS methodology". Thesis of specialization in applied statistics, Fundación Universitaria Los Libertadores. [26] Ministry of Health and Social Protection (2015). Resolution 412 of 2015 Whereby the single plan of account for health promoting entities and entities that manage voluntary health plans and ambulance services on demand is modified and other provisions are issued. ("Resolution Number 000412 DE 2015, whereby the ... - vLex") March 27, 2015. p.2 - 13. [27] Guerrero de la Hoz, G. O (2018). "Business intelligence in the integration and structuring of information to prepare the calculation of the technical reserve in HPCs." ("LA INTELIGENCIA DE NEGOCIOS EN LA INTEGRACIÓN Y ESTRUCTURACIÓN DE LA ...") master’s in operations management, Universidad de La Sabana p.48-63. [28] Mou, H., Liu, L., & Xu, Y. (2023). Panel Data Visualization in R (panelView) and Stata (panelview). Journal of Statistical Software, 107, p1- 20. [29] Boffelli, S., & Urga, G. (2016). Financial econometrics using Stata (pp. 3-5). College Station, United States: Stata Press. [30] Carazo, P. C. M. (2006). "The case study method: methodological strategy of scientific research." ("The case study method: methodological strategy of scientific ...") Thought & Management, (20), 165-193. p. 174,183-186. [31] Azmi, Mohamed, George C. Runger, and Abdelaziz Berrado. "Algorithm for interpretable regularized class association rules for classification in a categorical data space." Information Science 483 (2019): 313-331. [32] Ministry of Health and social protection (2014). Resolution, 4175 of 2014 By which Resolution 724 of 2008 is amended, by which the Single Plan of Accounts for Health Promoting Entities and Entities that Manage Additional Plans, now Health Volunteers and Ambulance Services on Demand is issued. ("Resolution number 004175 of 2014, by which Resolution is amended ...") December 29, 2014. p.5 - 14. [33] Ministry of Health and social protection (2016). Decree 780 2016. " Whereby the sole regulatory decree of the health and social protection sector is issued." ("DECRETO 780 DE 2016 - SUIN - JURISCOL") May 6, 2016. p.275 - 277. [34] Ministry of Health and social protection (2022). Decree 600 of 2020.p1-3 [34] Ministry of Health and social protection (2022). Decree 1492 of 2022. Whereby articles 2.1.11.11, 2.5.2.2.2.1.7 and 2.5.2.2.2.1.20 of decree 780 2016 are amended in relation to the calculation of adequate equity. August 3, 2022. p.3 - 8. [35] Amrani, O., Najab, A. and Azmi, M. (2022). The impact of governance structure on banking performance: a cross-country panel analysis using statistical learning algorithms. Procedia Computer Science, 203, 520-524. [36] Azmi, Mohamed, George C. Runger, and Abdelaziz Berrado. "Interpretable regularized class-regularized association rule algorithm for classification in a categorical data space." Information Science 483 (2019): 313-331. [37] Armstrong, J.S. (2001). "Principles of forecasting: A handbook for researchers and practitioners". Springer Science & Business Media. [38] Box G. and Jenkins G. (1976). "Time series analysis: Forecasting and Control". San Francisco. Calif: Holden-Day. [39] Brockwell P.J. and Davis R.A (1996). "Introduction to time series and forecasting". springer-verlaged 1:1-422. NY. [40] Chatfield C. (1993). "Calculating interval forecasts". Journal of Business & Economic Statistics.;11(2):121-35. [41] Gujarati D.N. (2009). "Basic Econometrics." Tata McGraw-Hill Education. 1074 p. [42] Congress of the Republic (1993). Ley 100 de 1993, By which the comprehensive social security system is created and other provisions are enacted ("CONGRESO DE LA REPÚBLICA LEY NÚMERO 100 DE 1993 otras ... - Icontec") December 23, 1993. p. 31- 42. [43] Kohler, U., & Kreuter, F. (2016). Datenanalyse mit Stata: allgemeine Konzepte der Datenanalyse und ihre praktische Anwendung. Walter de Gruyter GmbH & Co KG. 303p. |
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Atribución-NoComercial-SinDerivadas 4.0 Internacional (CC BY-NC-ND 4.0)© 2023 The Authors. Published by Elsevier B.Vhttps://creativecommons.org/licenses/by-nc-nd/4.0/info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2Navarro Charris, NelvisBarrientos Perez, EnocOrtiz, OlsonDuarte Rey, Diego Mauricio2024-09-13T13:44:54Z2024-09-13T13:44:54Z2024Nelvis Navarro Charris, Enoc Barrientos Perez, Olson Ortiz Tovar, Diego Duarte Rey, Analysis of the Impact of Billing, Authorizations and Unknown Debts on the Technical Reserve of Health Promotion Companies: Case of HPC in Colombia, Procedia Computer Science, Volume 231, 2024, Pages 607-614, ISSN 1877-0509, https://doi.org/10.1016/j.procs.2023.12.177.1877-0509https://hdl.handle.net/11323/1332410.1016/j.procs.2023.12.177Corporación Universidad de la CostaREDICUC - Repositorio CUChttps://repositorio.cuc.edu.co/The management of the technical reserve in Empresas Promotoras de Salud (EPS) in Colombia demonstrates adequate financial capacity to ensure the effective delivery of healthcare services. Nevertheless, the reserve's inherent nature and the unpredictability it engenders in planning engender financial risks that impair the long-term viability of such companies. The study aims to examine how filed invoices, unsubmitted authorizations, and estimated unknown debts affect the technical reserve of EPSs in Colombia from 2016 to 2021 using statistical methods like Online Linguistic Support, Autoregressive Moving Average, Autoregressive Conditional Heteroscedasticity, and Vector Autoregression. A descriptive and correlational study was conducted, considering current regulatory policies and the health insurance industry. Time series data were analyzed and revealed an inverse correlation between the explanatory and response variables. The method permits the assessment of two variables that impact technical reserve management: an increase in filed invoices and undetected claims results in decreased reserves, and filed authorizations have the opposite effect. Technical term abbreviations are explained upon their initial use in the text. Citations follow a consistent footnote style and formatting features. Similarly, we forecasted the impulse response function for the effect of technical reserves and suggested developing a predictive methodology to manage, regulate, or eradicate financial management vulnerabilities linked to HPC in Colombia. We emphasize the significance of precise authorizations for medical services since undiscovered debts may lead to financial losses for health care providers. A systematic approach is necessary to adhere to applicable regulations, including Law 100 of 1993 and associated resolutions and decrees. Healthcare providers can enhance their financial performance by ensuring accurate authorization and billing practices, thereby avoiding financial penalties.8 páginasapplication/pdfengElsevier B.V.Netherlandshttps://www.sciencedirect.com/science/article/pii/S1877050923021890?via%3DihubAnalysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies: case of hpc in ColombiaArtículo de revistahttp://purl.org/coar/resource_type/c_2df8fbb1Textinfo:eu-repo/semantics/articlehttp://purl.org/redcol/resource_type/ARTinfo:eu-repo/semantics/publishedVersionhttp://purl.org/coar/version/c_970fb48d4fbd8a85ColombiaProcedia computer science[1] Cichon, M., Newbrander, W., Yamabana, H., Normand, C., Weber, A., Dror, D., and Preker, A. (1999). "Modelling in health care finance: A compendium of quantitative techniques for health care finance." International Labour Organization. A compendium of quantitative techniques for health care finance". International Labour Organization.[2] Guerrero, G., Halabi-Echeverry, A. X., and Aldana, J. C. (2020). "Metadata for standards complementation and formalization of technical reserve calculation." International Conference on Interoperability for Enterprise Systems and Applications (pp. 253-264). Cham: Springer International Publishing.[3] Maria, A. (2011). "Valuation and reserving theory in general insurance". Contemporary Legal and Economic Issues, 3, 211.[4] Therond, P., and Planchet, F. (2007). "Technical reserves and solvency capital of the insurance company: how to use value-at-risk?". Orlando: Casualty Actuarial Society. Retrieved from http://www.actuaries.org/ASTIN/Colloquia/Orlando/Papers/Therond_EN.pdf.[5] Hudakova, M., and Adamko, J. (2016). "Technical reserves in insurance and the Slovak insurance market". Економiчний часопис-XXI, 162(11-12), 98-103.[6] Costa, J. I. B., de Armas, G., and Alvarez-Vaz, R. (2022). "Estudio De Algunos Métodos De Reservas Técnicas En Condiciones De Incertidumbre Para Seguros De No Vida."[7] Thérond, P. E., and Planchet, F. (2007). "Technical reserves and solvency capital of insurance company: how to use the Value-at-Risk?" ("Technical reserves and solvency capital of insurance company ... - Actuaries") available online at http://www. ressourcesactuarielles. net/EXT/ISFA/1226. nsf/0/de872ae6e908b706c125716200575052/$ FILE/ATT87L2Y/THEROND% 20PLANCHET.[8] Gaganis C., Hasan I. and Pasiouras F. (2011). "Regulations, Institutions and Income Smoothing through Technical Reserve Management: International Evidence from the Insurance Industry, CAREFIN-Centre." ("Regulations, institutions and income smoothing by managing technical ...") Applied research in finance working paper 4/2011, Milan, June, available at: http://www.carefin.unibocconi.eu; 2011.[9] Gaganis, C., Hasan, I., and Pasiouras, F. (2016). "Regulations, institutions and income smoothing through technical reserve management: International evidence from the insurance industry." ("Regulations, institutions and income smoothing by managing technical ...") Omega, 59, 113-129.[10] Lütkepohl, H. (2005). New introduction to multiple time series analysis. Springer Science & Business Media.[11] Greene, W. H. (2003). Econometric analysis. Pearson Education.[12] Jenkins, G. M., Box, G. E., & Reinsel, G. C. (2011). "Análisis de series temporales: previsión y control (Vol. 734)". John Wiley & Sons.[13] Ramos, C. A. R. (2005). Real effects of anticipated and unanticipated money: the Barro methodology in a vector autoregressive and multicointegration model for the Mexican economy, 1980-1999. Economic Research, 85-110.[14] Eckles, D. and Halek, M. (2010). Insurer reserve error and executive compensation. Journal of Risk and Insurance, 77(1): 329-346.[15] Gaver, J. and Paterson, J. (2004). Do insurers manipulate loss reserves to mask solvency problems? Journal of Accounting and Economics, 37(1): 393-416.[16] Hipp, C., and Plum, M. (2000). Optimal investment for insurers. Insurance: Mathematics and Economics, 27(2): 215-228.[17] Mack, T. (1993). Distribution-free calculation of the standard error of chain ladder reserve estimates. Astin Bulletin, 23(2): 213-225.[18] Mack, T. (1999). The standard error of chain ladder reserve estimates: Recursive calculation and inclusion of a tail factor. Astin Bulletin, 29(2): 361-366.[19] Verrall, R. and England, P. (2002). Stochastic Claims Reserving in General Insurance. British Actuarial Journal, 8(3), 443-518, 2002.[20] Achig Estrella, R. A., and Herrera Guachamín, M. A. (2023). Estimation of a multiple linear regression model to determine the socioeconomic factors that affect the crime rate in Ecuador, 2010-2020 (Bachelor's thesis, Quito: UCE);75-80[21] Gesmann, M., Murphy, D., Zhang, Y., Carrato, A., Wuthrich, M., Concina, F. y Dal Moro, E. (2022). ChainLadder: Statistical Methods and Models for Claims Reserving in General Insurance, R package version 0.2.15. Disponible: https://CRAN.R-project.org/ package=ChainLadder,2022.[22] Ramos, C. A. R. (2005). Real effects of anticipated and unanticipated money: the Barro methodology in a vector autoregressive and multicointegration model for the Mexican economy, 1980-1999. Economic Research, 85-110.[23] Lopera Rojas, A. M. (2022). "Practical application of the technical reserve methodology for health insurance entities in Colombia." ("Dipòsit Digital de la Universitat de Barcelona: Aplicación práctica de ..."). Thesis in Actuarial and Financial Sciences. University of Barcelona.[24] Nyaga, V. (2023). METAPREG: Stata module to compute fixed and random effects meta-analysis and meta-regression of proportions.[25] Moreno Arevalo, M. A., & Melo Contreras, E. A. (2019). "Technical reserve forecasting for a health sector company HPC-SEM under BOXJENKINS methodology". Thesis of specialization in applied statistics, Fundación Universitaria Los Libertadores.[26] Ministry of Health and Social Protection (2015). Resolution 412 of 2015 Whereby the single plan of account for health promoting entities and entities that manage voluntary health plans and ambulance services on demand is modified and other provisions are issued. ("Resolution Number 000412 DE 2015, whereby the ... - vLex") March 27, 2015. p.2 - 13.[27] Guerrero de la Hoz, G. O (2018). "Business intelligence in the integration and structuring of information to prepare the calculation of the technical reserve in HPCs." 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The impact of governance structure on banking performance: a cross-country panel analysis using statistical learning algorithms. Procedia Computer Science, 203, 520-524.[36] Azmi, Mohamed, George C. Runger, and Abdelaziz Berrado. "Interpretable regularized class-regularized association rule algorithm for classification in a categorical data space." Information Science 483 (2019): 313-331.[37] Armstrong, J.S. (2001). "Principles of forecasting: A handbook for researchers and practitioners". Springer Science & Business Media.[38] Box G. and Jenkins G. (1976). "Time series analysis: Forecasting and Control". San Francisco. Calif: Holden-Day.[39] Brockwell P.J. and Davis R.A (1996). "Introduction to time series and forecasting". springer-verlaged 1:1-422. NY.[40] Chatfield C. (1993). "Calculating interval forecasts". Journal of Business & Economic Statistics.;11(2):121-35.[41] Gujarati D.N. (2009). "Basic Econometrics." Tata McGraw-Hill Education. 1074 p.[42] Congress of the Republic (1993). Ley 100 de 1993, By which the comprehensive social security system is created and other provisions are enacted ("CONGRESO DE LA REPÚBLICA LEY NÚMERO 100 DE 1993 otras ... - Icontec") December 23, 1993. p. 31- 42. [43] Kohler, U., & Kreuter, F. (2016). Datenanalyse mit Stata: allgemeine Konzepte der Datenanalyse und ihre praktische Anwendung. Walter de Gruyter GmbH & Co KG. 303p.614607231AuthorizationBillingDecree 1492 (2022)Decree 2702 (2014)Decree 780 (2016)Law 100 of 199Resolution 4175 (2014)Resolution 412 (2015)Technical ReserveTime seriesUndetected debtPublicationORIGINALAnalysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies case of hpc in Colombia.pdfAnalysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies case of hpc in Colombia.pdfArtículoapplication/pdf735257https://repositorio.cuc.edu.co/bitstreams/605b143b-9e45-4fe3-b4cc-e3bc4a54d0df/download1f30511f9e40d049686bc02d327524b7MD51LICENSElicense.txtlicense.txttext/plain; charset=utf-814828https://repositorio.cuc.edu.co/bitstreams/6e5b1333-c694-41d2-9244-5ccd2806695f/download2f9959eaf5b71fae44bbf9ec84150c7aMD52TEXTAnalysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies case of hpc in Colombia.pdf.txtAnalysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies case of hpc in Colombia.pdf.txtExtracted texttext/plain40876https://repositorio.cuc.edu.co/bitstreams/4befebd2-9fac-43ff-94e9-39b7a93c8e75/download218b0a10c746428d2c09e19d65e8cc21MD53THUMBNAILAnalysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies case of hpc in Colombia.pdf.jpgAnalysis of the impact of billing, authorizations and unknown debts on the technical reserve of health promotion companies case of hpc in Colombia.pdf.jpgGenerated Thumbnailimage/jpeg14426https://repositorio.cuc.edu.co/bitstreams/d18d6c1c-6508-4063-9b29-1f9bdf422bae/downloadc5a7db9371bdfa133cec41fcc854c0d6MD5411323/13324oai:repositorio.cuc.edu.co:11323/133242024-09-17 14:15:35.511https://creativecommons.org/licenses/by-nc-nd/4.0/© 2023 The Authors. Published by Elsevier B.Vopen.accesshttps://repositorio.cuc.edu.coRepositorio de la Universidad de la Costa CUCrepdigital@cuc.edu.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