Telefonica Health Insurance

52-Week Low List: 35 Large-Cap Stocks Tumble to New Lows

Wall St. Watchdog reveals information about 35 stocks that hit 52-week lows in today’s trading. Note that this list excludes all stocks with a market capitalization less than $10 billion:

ABB Ltd. ( NYSE:ABB ): Down 4.29% to $18.09. ABB Limited provides power and automation technologies. The Company operates under segments that include power products, power systems, automation products, process automation and robotics. Banco Bilbao Vizcaya Argentaria, S.A. ( NYSE:BBVA ): Down 5.58% to $7.62. Banco Bilbao Vizcaya Argentaria, S.A. attracts deposits and offers retail, wholesale, and investment banking services. The Bank offers consumer and mortgage loans, private banking, asset management, insurance, mutual funds, and securities brokerage services. It operates in Europe and Latin America. Barclays PLC ( NYSE:BCS ): Down 8.9% to $9.11. Barclays PLC offers commercial and investment banking, insurance, financial, asset management and related services. The Company’s banking subsidiaries operates branches in the United Kingdom and overseas. CRH plc ( NYSE:CRH ): Down 7.55% to $15.42. CRH plc manufactures cement, concrete products, aggregates, asphalt, clay bricks, chemical lime, security fencing products, and roofing, insulation and other building materials. The Group also operates some 136 builders merchant locations and 54 DIY stores. CRH, via its subsidiaries, operates in some 19 countries, including Ireland, the US, Spain, Germany and the Netherlands. Credit Suisse Group ( NYSE:CS ): Down 6.12% to $22.86. Credit Suisse Group AG is an international financial services group. The Group provides investment banking, private banking, and asset management services to customers located around the world. Deutsche Bank AG ( NYSE:DB ): Down 8.71% to $31.14.

Case Study: Telefónica Health Portal

Telefónica ( LSE: TDE.L ) is one of the largest fixed-line and mobile telecommunications companies in the world. It operates globally across Europe and Latin America with headquarters in Madrid, Spain (figure 1). Telefónica was founded in 1924, and was originally government owned until being privatised in 1997. Since then it has grown to over 260,000 employees with an annual revenue in excess of 60 billion Euros. The Telefónica Health Portal was to be an online platform providing a range of services to health clinics. The Health Portal's functionality would include administering a clinic (see figure 2) and scheduling physicians (see figure 3). Most relevant to this case study, the Health Portal could also serve as an intermediary between clinics and healthcare insurers. Such an intermediary would provide three key benefits compared to existing manual processes. First, it would provide interactivity: if additional documentation or authorisation codes were required during submission of an insurance claim, the insurer could request them at the time the claim was being lodged. Second, it would provide immediacy: after the claim was lodged, the Health Portal would report back a status such as approved, rejected or pending validation. Finally, it would improve processing times: claims could be lodged and payments made more quickly, and clinics could see real-time reports of settled payments against their accounts as they approached month end. However, business analysis showed that the data needed in order to lodge a claim varied for each private healthcare insurer. Within each insurer, it further varied by speciality (GP, paediatrician, etc.). And within each speciality, it further varied by type of activity (initial consultation, follow-up visit etc.). The Health Portal would need one insurance claim form per insurer, per speciality and per activity. Worse, as new insurance companies signed on to the service, new forms would need to be developed.

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