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本文从以下几个角度介绍。

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6、哈尔滨市第六中学2023级上学期9月测试高三历史试题


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Over the last decade, health insurance companies have started using AI algorithms (算法) to decide whether they will pay for treatments your doctor recommends. This is different from the AI doctors use for diagnosis (诊断) in that insurance AI focuses only on coverage and cost.
One of the most common examples is with prior authorization. Before your doctor can give you certain care, they must get the insurer’s approval for payment. The AI checks if the treatment is considered medically necessary and covered by your plan. It can limit the amount of care, like how many days you can stay in the hospital after an operation. If the insurance company denies coverage for a treatment your doctor says you need, you’ll face tough choices: appeal the decision (a slow process that rarely works), accept different treatment, or pay the very high cost yourself.
Insurers argue these algorithms help make decisions quickly and safely, avoiding unnecessary treatments. However, there is concern that they are often used to delay or deny effective care simply to save money. The systems analyze patient records, but insurers keep exactly how the AI makes its decisions completely secret. This secrecy is especially worrying because if an AI wrongly denies a claim very fast, the patient might get sicker or even die during the long appeal process.
Unlike medical AI tools reviewed by government agencies, these algorithms are mostly unregulated. Their inner workings are guarded as trade secrets. While some recent rules require insurers to consider individual patient needs, companies can still largely set their own standards without outside checks.
Some places have proposed laws demanding doctor oversight of these algorithms. However, most proposed laws still give insurers too much power to define medical necessity and don’t require independent testing for safety and fairness before the AI is used. Experts argue government oversight is essential. The agency that reviews medical AI could potentially take on this role. In the meantime, government regulators should require independent testing of insurance AI for accuracy and fairness. Efforts to regulate this insurance AI are beginning, but much stronger action is still needed.
8. What is the common use of AI algorithms used by insurance companies


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3、哈尔滨市第六中学2023级上学期9月测试高三物理试题


答案第1页，共2页

　化学实验综合题
命题点一　以工艺流程、实验设计为原型，考查物质的分离提纯
1．(人教版选择性必修3)
萃取包括液-液萃取和固-液萃取。液-液萃取是利用待分离组分在两种不互溶的溶剂中的溶解度不同，将其从一种溶剂转移到另一种溶剂的过程，可使用有机溶剂从水中萃取有机化合物，萃取用溶剂称为萃取剂，常用的萃取剂有乙醚(C2H5OC2H5)、乙酸乙酯、二氯甲烷等。将萃取后的两层液体分开需要进行分液。分液要使用分液漏斗，通过打开其上方的玻璃塞和下方的活塞可将两层液体分离。固-液萃取是用溶剂从固体物质中溶解出待分离组分的过程。
2．(人教版选择性必修3)
重结晶是提纯固体有机化合物常用的方法，是利用被提纯物质与杂质在同一溶剂中的溶解度不同而将杂质除去。重结晶首先要选择适当的溶剂，要求杂质在此溶剂中溶解度很小或溶解度很大，易于除去；被提纯的有机化合物在此溶剂中的溶解度受温度的影响较大，能够进行冷却结晶。
3．(鲁科版必修第二册)


3、哈尔滨市第六中学2023级上学期9月测试高三化学答案