Increasing Price Transparency In Health Care

For example, if companies are able to examine costing data at the customer or product level, they can use this information to make adjustments that focus resources on areas that are the most profitable. The Internet, however, presents a very different shopping experience, one that appeals to people’s cognitive faculties. It also puts shoppers in control—it’s up to them to consciously navigate through the Net’s maze of pages and links. And although surfers’ increasing use of multimedia will give companies new opportunities to provide sensory cues on-line, the solitary, information-rich nature of Web shopping will continue to encourage people to make decisions based on reason rather than emotion. The Internet is an exponentially greater threat to major brands and prices than private labels have been.

What is cost transparency

For instance, when high-quality, low-priced Japanese cars flooded the U.S. market in the 1970s, buyers decided that Detroit had been overcharging for lower-quality autos. This is where IT Financial Management solutions such as MagicOrange have a significant role to play. Through proven cost modeling and cost taxonomies, IT Financial Management enables the CIO and Executive Managers within the IT Division, to understand what drives their costs, and articulates this in a manner relevant to the CFO and business.

The Future Of Cost Transparency

Goldie SJ, Kim JJ, Wright TC. Cost-effectiveness of human papillomavirus DNA testing for cervical cancer screening in women aged 30 years or more. Campbell EG, Gruen RL, Mountford J, Miller LG, Cleary PD, Blumenthal D. A national survey of physician-industry relationships. Berwick DM, James B, Coye MJ. Connections between quality measurement and improvement. Our Cherry Street Plaza lobby is now open for walk-in service from 8 a.m. “Our evidence suggests you should open yourself up and say, ‘Here I am, warts and all,'” John says. Consumers seem to have varying levels of tolerance for different cost variables.

Require price information be made available to physicians and other providers that direct patient care but rarely know the prices or quality of the services they deliver. Transparency initiatives focused on quality transparency may in fact be more successful in the nearer term than the price transparency just discussed. Unlike price transparency, where there are formidable obstacles to price data affecting consumer choice, data on quality of providers has a much clearer path to consumer decision making.

  • When P&G ended its promotions, customers abandoned them for private labels.
  • Healthcare consumer price sensitivity See the results of an IBM Watson Health PULSE® poll that asked healthcare consumers about their thoughts on prices.
  • HealthSparq One Cost, part of the HealthSparq One® platform, is a price transparency solution that estimates a member’s out-of-pocket expenses and shows pricing variations for the same care.
  • Alternatively, many rural and safety-net hospitals may require additional public subsidies to continue operating; otherwise, closures will accelerate, sending shockwaves through vulnerable communities.
  • Requires pharmacies to inform customers of the availability of the Agency’s quality and cost information.
  • The downside of aggregation is that condensing complex information into simple measures may not meet the information needs of all consumer audiences.

With this move, the Trump administration is committing to the theory that cost transparency will lower health care costs by enabling consumers to shop and compare hospital services. Price transparency has bipartisan support in Congress and among more than 80 percent of voters. In our view, the new price transparency rule is a superficial and naive approach to health care reform. While the rule has intuitive appeal as a seemingly simple way to lower health care costs, it will in fact, have complex, disparate, and in some cases unintended consequences in different markets throughout the country. The Centers for Medicare and Medicaid Services recently issued a final rule requiring hospitals to release pricing information before providing services. Under the rule, hospitals must list standard prices for 300 “shoppable services,” as well as the lowest prices they will accept from consumers paying out of pocket.

Agency For Healthcare Research And Quality

Besides his extensive derivative trading expertise, Adam is an expert in economics and behavioral finance. Adam received his master’s in economics from The New School for Social Research and his Ph.D. from the University of Wisconsin-Madison in sociology. He is a CFA charterholder as well as holding FINRA Series 7, 55 & 63 licenses.

Doing a similar search for “colonoscopy” on Turquoise shows the prices at MedStar by insurer, but the process is still complicated. First, a consumer must select the “health system” button from the website’s menu of options, click on “surgical procedures,” then click again on “digestive” to get to it. Examples of State websites that provide information on the price of health services. Eliminate the confusion that comes with searching for healthcare costs by giving your members a clear understanding of what they should expect to pay before they seek care. Use the Cost Estimator tool to estimate your out-of-pocket cost for some Stanford Health Care services.

Build a new appreciation for the value of IT across the organization, and empower IT Leaders to make an impact on the business. See how Cost Transparency fuels innovation by freeing up teams and resources. Reduce the time and effort required for run-the-business activities and find new capacity to pursue growth and transformation. Bring definition and detail to your technology spend, and recover valuable resources by streamlining complex, redundant efforts.

What is cost transparency

Many people are calling for greater price transparency in health care, where patients can clearly see the price of a treatment and determine how much they will pay out-of-pocket before receiving care. Price transparency is one strategy that policymakers have proposed to help consumers identify and select lower-priced health care providers and services, but use of price transparency websites remains low. This report examines current price transparency efforts and their features, describes barriers to more widespread availability and use of price information, and discusses possible ways to overcome those barriers.

Lifting The Veil: The Benefits Of Cost Transparency

Quality data on specialists can also help primary care physicians make better referrals. Effective quality reporting needs to reflect different consumer abilities to understand and use information. Sophisticated consumers may seek and understand more detailed and complex data, while others might be satisfied with less-detailed descriptions of provider quality. A key aspect of presenting quality information is how much data aggregation to perform.

All-Payer Claims Databases , according to the Robert Wood Johnson Foundation, are online databases that comprehensively collect medical and pharmacy claims across the state to create a picture of price data. New Hampshire established an APCD in 2008, which gives its residents an opportunity to evaluate price differences across multiple settings and providers. Recent improvements to New Hampshire’s system garnered it the only “A” rating in this year’s Catalyst for Payment Reform ranking.

A TV and social media ad offers a reason to check on the enforcement of a sweeping rule that requires hospitals to post information about what they charge insurers and cash-paying patients. “Hospital pricing is often convoluted, and hospital charges represent about a third of the total United States health care bill.” Maryland’s Health Care Commission provides consumers with an online hospital pricing guidethat lists, for each acute care hospital in Maryland, the number of cases, the average charge per case, and the average charge per day for the 15 most common diagnoses. Requires a list of hospital charge data for the 75 most common diagnoses groups requiring inpatient care and the 75 most common outpatient procedures to be distributed to hospitals. Requires hospitals to report inpatient and outpatient services data, including charge information.

Transparency—of the costs, prices, quality, and effectiveness of medical services and products—has been identified as a key tool to lower costs and improve outcomes (Fung et al., 2008; Mongan et al., 2008; Shea et al., 2007). Blue Cross and Blue and Shield of North Carolina provides specific, transparent pricing information to all members. The company was the first insurer in the country to make in-network prices available to the public by publishing anonline https://globalcloudteam.com/ toolthat allows people to compare pricing for specific procedures by provider and location. For members, the tool provides estimates specific to their plan and deductible for the entire episode of care so they can comparison shop and make informed decisions. Members on eligible plans can even take advantage of a program that promotes awareness of health care costs by paying participants cash for shopping and comparing costs of common medical procedures.

The increasing resources dedicated to health care are becoming so great thatfinancial harmsare visited upon patients, who often do not have information to make fullyinformed financial decisionsabout their care. Prominent authors have discussed these financial “side effects” or “toxicities” and exhorted medicine to “do no harm” [12-14]. Under a rule that kicked in Jan. 1, hospitals are required to make public the it cost transparency prices they negotiate with insurers. That’s a lot more information than was previously required, which was only the posting of “chargemasters” — the hospital-generated list prices that few consumers or health plans actually pay. Florida, Maine, Nebraska, Tennessee, Utah and Virginia enacted legislation requiring or encouraging state-regulated private health plans to initiate Right to Shop programs for enrollees.

Second, some healthcare services may not contribute to improved health, either because they are simply not effective or because they do not have beneficial effects if used in the wrong patients or at the wrong time. The explosive growth in medical technology and procedures during the last several decades has resulted in improved capability for prevention, screening, diagnosis, and treatment of an ever-expanding number of diseases. The availability and use of these new medical technologies and procedures has also contributed to increased spending, which has put pressure on already strained healthcare budgets. As a result, physicians, payers, and policy makers are increasingly faced with choosing the best or most cost-effective healthcare services from among worthy alternatives, rather than merely differentiating the ones that are effective from those that are not. Lastly, consumers rely heavily on their physicians to purchase on their behalf.

Common state strategies for improving price transparency include leveraging all-payer claims databases, establishing consumer-facing tools for patients to compare prices, and enacting right to shop laws. NCSL tracks enacted legislation relating to health care price transparency in the Health Innovations State Law Database, which can be found here. Consumers are often in the dark when it comes to the cost of health care services and what they may have to pay prior to receiving care. Several studies have pointed to this lack of transparency leading to extreme price variation, where prices for the same procedure or service vary greatly within the same city or state. Moreover, health facilities may set higher prices for certain services than other facilities, raising overall health care costs and spending for payers and patients. Third, patients can’t properly interpret pricing information without also having information about the quality of different services.

As the cost of health care increases and the economic climate worsens, employers are less able to absorb these costs. Federal employees enrolled in theBlue Cross and Blue Shield Federal Employee Program® (FEP®) can utilize the Healthcare Cost Advisorplanning tool to get access to personalized cost data, including understanding current and past costs and out-of-pocket spending. Members can estimate potential out-of-pocket expenses based on expected or anticipated life changes or events as well as get help calculating annual health care budget. All while allowing members the ability to make the most informed health care decisions quickly and easily.

Vhha Rolls Out Healthcare Cost Transparency Tool

Searching it for “colonoscopy” pulls up several variations of the procedure, along with prices for different insurers, such as Aetna and Cigna, but a “not available” designation for the cash-only price. The file explains that MedStar does not have a standard cash price but makes determinations case by case. Typing in “MedStar Health hospital transparency,” for example, likely points to the MedStar Washington Hospital Center’s “price transparency disclosure” page, with a link to its full list of prices, as well as its separate list of 300 shoppable services. And hospitals say the transparency push alone won’t help consumers much, because each patient’s situation is different and may vary — and individual deductibles and insurance plans complicate matters.

Cost Transparency

Even with accurate price information for a particular procedure, patients may be responsible for other costs—such as facility fees or subsequent prescriptions following the procedure or service. Furthermore, some studies have indicated increased transparency may have the perverse effect of raising health care costs. A hospital with low prices for health care services may increase their fees to match those of a competing hospital with higher prices. The information asymmetry experienced by consumers, providers, and payers shield these critical stakeholders from the information they need to make decisions about what works best for them.

Cost Transparency: How A Little Honesty Can Go A Long Way

One example of the institute’s work is their assessment of coronary computerized tomography angiography, upon which the State of Washington Health Care Authority’s coverage policy is based. Elsewhere in the economy, the level of price transparency can promote or depress competition. In healthcare, for example, patients often don’t know what a specific medical procedure actually costs, leaving them without much, if any, opportunity to negotiate a better price.

In his campaign, President Joe Biden promised to undo policies, particularly health policies, implemented by former President Donald Trump. Yet, despite immense executive power, reversing four years of action takes time and resources. Authorizes the acceptance of cost information data from a variety of sources. Requires the director to make information submitted by hospitals available for sale to any person or government entity 90 days after submission.

In a very real and meaningful sense, therefore, “cost-effectiveness” defines value, and cost-effectiveness analysis is an essential component of any strategy that seeks to incorporate value transparency into healthcare reform. For example, Blue Cross Blue Shield of North Carolina offers a Health Cost Estimator, a public, Web-based tool that provides cost estimates for health care procedures by individual provider. Based on BCBSNC claims data over a 12-month period, the tool reports the average total costs for the procedure, where total cost includes physician services, facility fees, anesthesia, drugs, and medical supplies. The costs that customers pay in the form of deductibles, copayments, and coinsurance are included in this average.

People shopping for products online can see where these products were made, how they were made, and compare the quality with other products, to end up with the best deal. Bundling—packaging a product with other goods and services—can make it difficult for buyers to see through the costs of any single item within the bundle. It focuses buyers on the benefits of the overall package rather than the costs of each piece. Some computer manufacturers, such as Gateway, are bundling their own Internet services with their machines as a way to mitigate the problem of free-falling computer prices. In the e-commerce world, Charles Schwab has kept its head above the crowd by using this strategy.

The Inflation Reduction Act Is A Milestone Achievement In Lowering Americans Health Care Costs

Russell LB, Gold MB, Siegel JE, Daniels N, Weinstein MC. The role of cost-effectiveness analysis in health and medicine. Peterson ED, DeLong ER, Jollis JG, Muhlbaier LH, Mark DB. The effects of New York’s bypass surgery provider profiling on access to care and patient outcomes in the elderly. McGlynn EA, Asch SM, Adams J, Keesey J, Hicks J, DeCristofaro A, Kerr EA. The quality of health care delivered to adults in the United States. Jencks SF, Williams MV, Coleman EA. Rehospitalizations among patients in the Medicare fee-for-service program. Physician payment should be reformed to reward coordination of care and enable use of new technology and team-based care (Shih et al., 2008). Real-time trade reporting mandates trade information be reported within 90 seconds on its execution, improving market efficiency and transparency.

Moving forward, we must reflect on these cost trends, identify key lessons, and promote efforts to rapidly evaluate and scale interventions that improve the delivery of high quality care at lower costs. The appeal of price transparency is based on the view that increased consumer choice and less information asymmetry will aid in achieving higher-quality, lower-cost health care. A health care provider may assist a patient or prospective patient in using the health plan’s toll-free number and website. Insurers today have a great opportunity to provide consumers with pricing information about both in-network and out-of-network care.

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Contrary to Casual conference (hookup) websites which exist in different form for previous 20 or maybe more many years, something new in very last 10, are hookup apps. The principle is very same, but we are noticing a trend in past years that becomes harder to get laid using the app than site due to higher men competition on apps. We maintain a listing of paid and free Hookup Apps (Tinder, Down, Bumble and Pure and many others) to help you have a look. Also, end user graded selection of Hookup Sites and software is a thing that assists to us to offer rating to various web sites.

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FAQ

Are hookup sites dangerous?

Hookup sites and online dating can be dangerous if you don’t take proper safety measures. Generally, websites and apps catered to informal sexual intercourse and intimate search try their best to manage security by suspending crawlers and fraudsters and having choices to document any poor conduct. So if you’re planning on joining, be aware and try your best not to be too gullible-you can never be sure who you will come across online!

When Am I More than-Enthusiastic on A Program or App?

Enjoyment is nice. Usually. Nothing wrong with indicating each when you’re considering an individual. But Do not come across as stalkerish. 24 hours between replies are ideal for a commencing.

Do You need to pay to use a hookup web site?

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People are able to get to know each other without the need for a relationship. That is another pro to hookup dating sites. Instead, people have the ability to become familiar with the other person by means of immediate online messaging or standard hookups.guide communication. This allows customers to develop relationships with individuals depending on greater than physical destination. Since users will not be forced right into a connection, they could create 1 through the base up rather than dependant upon the chemistry which they really feel after a couple of emails or chat sessions. This is certainly a thing that numerous users find to get enjoyable and refreshing.

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People should have a place to connect when they do it,. That’s regardless of whether casual fun or long-term relationships are the goal, the point. Thankfully, paid out regular membership online dating sites offer exactly this. Once makes it far more convenient than simply browsing a single dating site the ability to access and view multiple profiles at. Folks will have a number of diverse information open up at once, meaning that they never have to think that they may be constraining their selves by only taking a look at one profile.

General, paid out dating platforms usually are not necessarily the ideal hookup web sites. That label, nonetheless, is frequently distributed to internet sites which do not supply any type of protection or level of privacy characteristics. All those types of systems will undoubtedly talk about information and facts between your manager as well as the internet site proprietor. However, a quality dating site will provide users with everything they could possibly need to find that special someone without sharing their personal information with everyone else on the network.

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    1. FAQ

      I’m Not Getting Any Hits! What Do I Do?

      It’s time for you to alter that account. Many sites will notate as soon as the profile was previous altered and when you examined the site and once an individual modifies their user profile.

      Occasionally internet dating sites displays each time a end user was final on or whenever they up-to-date their information snapshot. You’d probably check it out if a profile indicated that somebody had been online in the past one or two days or so. It displays these are energetic and searching.

      But do read your profile cautiously. Look for areas of development by studying it aloud and listening for things that do not noise appropriate. Use on the internet grammar checkers to get a refined seem, for example Grammarly. Read through it aloud to somebody else for several comments, just to actually don’t sound adverse, arrogant, or off-placing.

      How Can You Spot A Catfish Profile?

      Catfish, or bogus user profiles, abound on these online internet sites. Most of the time, it is just scammers looking to eke funds away from naive patients.

      If you feel you’ve encountered a catfish, there’s an easy way to check. Right-click on the impression of the individual you think, and “copy picture URL.” Go to Yahoo and then click your camera in the search pack.

      Paste from the impression URL thus hitting research. If images come up of your person en masse, chances are it’s just a random person somebody stole pics of online and is using to talk to others.

      Ask them to send you a photo of them touching their finger to their nose if the image search doesn’t yield any results. Which may noise juvenile and form of dumb but think about it: Catfish is only able to use photos their issue has published on the web. They are more likely to be real if they can send you a timely photograph of themselves touching their finger to their nose.

      When I am Putting Together My User profile with a Internet dating Internet site or Hookup Internet site, The Amount Of Photos Should I Use?

      A number of is probably golden. Not more than half a dozen. Recall, it’s man character to evaluate photos. And also to create suggestions about a man or woman around a photo you see. Rather depart anything on the creativity. Quit anyone from producing assumptions. Allow them to talk with you instead of generating up their brain based on graphics that let them know tiny.

Can be Ashley Madison Right For You?

If you’re looking for a spouse who is interested in extramarital affairs, you’ve probably already read about Ashley Madison, a website that connects people who are interested in having affairs. The site statements to have grown by five. 5 , 000, 000 in the last year, with 15. two thousand new members joining every day. This means that this gained a normal of 466, 233 new members a month. But the query is definitely: Is this service right for you?

First and foremost, committed dating sites need to provide attainable customer support. They must be readily available to reply to questions about the site, it is security, or perhaps billing. It is also important to have a approach to contact a live person, regarding an emergency. When a site would not provide this support, you should avoid using it. The service must be accessible twenty-four hours a day, seven days weekly. However , a lot of sites will not be available day-to-day, so you have to choose one which allows you www.uptownbrides.com/colombian-brides to contact a live person.

In addition to avoiding your spouse from finding out that you’re dating another person, you should use a separate email, cell phone, and in some cases a different security password for each account. The use of going out with apps, websites, and personal profiles should not show on your spouse’s bill. For anyone who is still looking at online dating, make sure you discuss your intentions along with your spouse first of all. Remember, marital life isn’t for anyone. In fact , I use two good friends who married in their early twenties and only discovered years later that they can made a blunder. The mental strain was too much for the coffee lover.

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One way to find a compatible match is by getting started a committed dating site. Ashley Madison was many of the sites that first of all started the entire betrothed dating trend, giving people a brand new place to end up being unfair with their partners. It includes had a lot of security problems in the past, nonetheless it is regularly working to help to make it more secure for its users. If you’re buying a mate who is interested in extramarital affairs, this is the destination to be.

Some hitched people miss the thrill of having a sexual top ten sex sites encounter. Nevertheless , they do not prefer to sacrifice their romance to achieve this. Luckily, you will find married online dating sites that will help them discover a companion who have shares these ideals. The main advantage of using a betrothed dating internet site is that it is free to use, so it’s a great option for a serious relationship. With so many options available, it’s hard to know what one is right for you!

Another well-liked dating internet site for betrothed singles is usually Tinder. This photo-heavy application is used by simply millions of people to meet a potential partner. Users swipping right to match to members, give messages and see whoms interested. This kind of app is responsible for regarding one million schedules a week. The web page also hosts events and invites members to participate. This is a great way to meet true romance in your area. The downside to Tinder is the selection of users.

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The free online game casino is among the most well-known games available on the internet, which provides excitement and excitement the players. These websites offer no-cost casino games that have different odds. The odds are in favor of the player playing the games offered by these sites. They have some great offers to entice players.

Free online casino games are divided into two categories: progressive slots or no deposit slots. There are many types of games that are available on this website. Progressive slots that are the best offer the fastest gaming experience and also provide entertainment. Online casinos that have progressive slots are the ideal combination of entertainment, speed and expertise. These casinos have earned good reputation within the world of casinos.

Progressive slots in blackjack are a different name used for online casinos. It is a no-cost casino offering the same experience of gaming but with less chance of losing your money or property. Blackjack online casinos are operated by professional gambling experts and casino employees who have been trained. To choose the most effective combinations of bets, players need to utilize the internet and software.

The welcome bonus is the most important aspect of playing online no cost casino games. It is the first opportunity for players to play different casino games. Blackjack bonuses are the ideal alternative for players who are new. This bonus is provided to players before they begin playing any kind of game. This bonus is crucial for new players. This feature increases your chances of winning in casino games.

Video poker is another exciting game on internet which can be played for free without cost. Another free casino game. Video poker is offered at casinos with no deposit. Players can play the game within their private casino room. This casino room permits players to see the cards of the dealer and other players. Video poker is a favorite among novice players. This allows them to play and practice their skills before they can move on to live casinos.

There are a lot of websites on the web that provide no-cost welcome bonus spins. These websites offer a wide range of casino slots for new players. Certain websites provide new players free spins on slots as and video poker games. New players are attracted to free spins in casino slots. The websites offer free bonuses to attract players.

Online slot machines are free in online casinos that are outfitted with top-quality game software. Professional gamblers also provide free casino games online. Professional gamblers offer free casino games by winning considerable amount in slot machines. It is possible to win real money playing slot machines. Online casino games for free are the latest trend among casino games lovers.

Slot machines give thrilling experience. It is a great combination of strategy melhor cassino online and luck which increases the chance of winning real cash in the slot machine game at casinos. The game provides joy and excitement to players. If you’re juegos de tragaperras gratis playing a slot machine for enjoyment and fun, free spin game casino bonuses would be a great idea to make your gaming experience more enjoyable and enjoyable.

Casino games online for free have numerous appealing features that provide an exciting chance for players to play online. Slot machines for free are the most excellent option to indulge in your gaming pleasure. They are controlled by using software and computer systems and have been designed in a way so as to increase the excitement of playing exciting. There is no need to download any software or application to play in these online casino games. Register at any online casino to begin playing.

You can test different kinds of free games before deciding the type of gambling you are looking to engage in. Free online games allow players the opportunity to play a variety of kinds of slot games and other games of gambling. Before you decide to gamble with real money you can try your hand at playing for free. Free games online provide an excellent opportunity for players to develop their skills in gambling, as well as enhance their strategies for winning.

There are free games to play at many online casinos. There are numerous websites that offer the opportunity to play free games for enjoyment. Many sites offer absolutely free slots. These slots are free and can help to enhance your playing skills and improve your gaming strategy. Free spins are a great method to improve your chances of picking winning numbers.

Essays For Sale – What You Want to Know About Writing Good Sales Letters For Sale on eBay

The essay available is not hard to write if you recognize how to compose the type of essay that people are selling on daily. If you understand how the market is presently reacting to the trends in society, the kind of essay that is necessary to be marketed on the internet will be a lot easier to sell. Additionally, it will be a lot easier

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Top Tips on How To Win At online tournaments for slot machines

Online gambling is easy with slots. They are simple to use and great games to play. You can play online slot machines like a pro in a short time. These easy tips can help you boost your bankroll, and even increase your winnings. Make sure you read the instructions carefully before you start the game.

There are a variety of factors that

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Online dating Apps For that Quick Hook Up

If you’ve ever desired you could get laid fast, you might want to check out a few of the new seeing apps out there. These apps can make getting laid easier, but they will not remove butterflies from your tummy. Here are some https://bestadulthookup.com/flirt4free-review/ tips to make your next attach go efficiently. If you’re uncertain of what you’re looking for in a partner, try these software to find someone who shares your interests and wants.

Ahead of heading out to meet your date, clean your property and your home. Hide the dirty food in the dishwasher, put away your laundry, and make your the sack. Spray Fabreeze on the truck bed, too. A dirty apartment can easily allow you to look like a slob, thus clean that first! Using the tips over will make the date be happy with you. While getting laid is known as a difficult feat, is actually well worth the effort.

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Joint is another wise decision for those looking for a quick hook up. It’s a seeing app suitable for long-term relationships, yet it’s also best for one-night stands. To work with Hinge, you are going to first need to create a account, which will include some characteristics that you’d like your partner to have. For anyone who is willing to pay fees, you’ll be informed when someone would like you.

Be aware of the difference between https://www.timeout.com/washington-dc/bars/best-pick-up-bars-in-washington-dc a casual attach and a long-term relationship. Casual hookups can be fun and sexy, but they can get gross if one of the partners wants even more. Make sure you dignity the woman to get with and try not to ghost her. That is rude and will only generate her think that a loser. A better option is always to wait for a few months before deciding to look at it further more.