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English to Spanish translations [PRO] Bus/Financial
English term or phrase:3-G plans
La frase que he de traducir es la siguiente: "The increased level of debt in many of these companies has prompted their management to focus much more on profitability, cut capital expenditure and review their 3-G plans". He encontrado en acronymfinder "third generation" y en otro sitio Web: planes de tercera generación, ¿podriais confirmármelo, por favor?
Third generation plans
Miller's "third generation" plans
Miller (1996) characterized "third generation plans" as those which increased the transfer of risk, through carveouts and capitation. First, many mental health plans have been "carved out" of their main health plans and placed for operation with managed care mental health organizations. Second, managed care organizations have increasingly sought to transfer the risks of excess treatment cost, and therefore financial loss, from the managed care plan itself to the clinician. This has been done by provider compensation-limiting formulae. Capitation pays the clinician a flat fee per month per plan participant, not for each treatment. This moves from the health company to the therapist more of the risk of participant use which is above what has been estimated.
Because such risk transfer can give therapists a motivation to limit services, it can also be seen as transfering some risk to consumers.