Health Insurance Essay

HealthinsuranceintheUnitedStatesisahighlypoliticizedissue.Inrecentyears,manystrideshave beenmadetoextendhealthinsurancecoveragetoallAmericanswiththepassageofthePatient ProtectionandAffordableCareAct(PPACA)Whiletheprogramhasbeenvigorouslydebatedin thepublicrealm,argumentsareoftencenteredaroundpoliticalideologyratherthaneconomic theory.Thispaperseekstochallengetheentirestructureofthecurrenthealthinsurancemodel,since itsinceptioninthe1950s.Throughtheoveruseofathird–partypayermodel,amagnitudeof problemshaveemergedthatseverelydiminishtheefficiencyofhealthcareallocationintheUnited StatesThispaperproposesamodelthatseekstocorrectissuesofcost,access,andmarket efficiencybyadaptingtheMedicarePartDpaymentschemeforanallencompassinginsurance model.

Background

In1954,Congresspassedlegislationallowingemployerstoprovidehealthinsurancebenefitsto employeesonatax–freebasis(SihandSingh99).Thislegalprovisionmarkedthebeginningofthe rapidlyexpandinghealthcarecostsstillapparenttodayduetothemajorincentivesprovidedbythe governmenttoobtainemployer–basedhealthcoverage.Theoverwhelmingpopularityofemployer–basedhealthinsurancehasledtoaseriousmarketinefficiencyresultingfromthesystemofthird–partypayment.Asindividualsrelyontheirinsurancecompaniestopayfortheirmedicalexpenses, thisprovides

...Getmorecontent...

IndemnityHealthInsuranceCoverageisonethatgivesthepolicyholdersauniquechancetousethe servicesofamedicalserviceprovider(itmaybeahospitalorjustthedoctor)andsharethebillwith theinsurancefirm.TheverycharacteristicoftheIndemnityHealthCareInsuranceisthatthepolicy holderandtheinsurancecompanybothpayapartofthemedicalbillasanpartofthecontract.

ThisarticlediscussesthevariousfeaturesoftheIndemnityHealthInsurance.Forthelastfew decadestheindemnityhealthinsurancehadbeenoneofthemostcommonhealthcarepoliciesthat almosteveryAmericanhadownedButwiththelatestdevelopmentsinthefieldofhealthcare policy,advancedstrideshavebeentakentoformulatemoreaffordablehealthcarepolicies.

Nowadays,anyaverageAmericanpreferstobuyapolicythatinasystematicandhandyway providesthevariousmedicalservicesandatthesametimepaysforthemaswell.Thatiswhythe newagecustom...showmorecontent...

AnyonewhohasanIndemnityHealthcovercanusetheservicesofanymedicalpractitionerorany otherkindsofmedicalservice,onlythebillneedstobeforwardedtotheinsurerandthemedical costsareinstantlyreimbursed.Eitherthepolicyholderorthemedicalserviceprovidercanforward thebillandtherestofitistakencareofbytheinsurer.However,forthissmoothprocessingthe policyholderisrequiredtohavepaidthedeductibleamountbeforehand.

TheIndemnityHealthCarepoliciesalsopayapartofthecustomarychargethatisusuallykept reservedforallthecoveredmedicalservices.Theinsurancefirmpaysforasmuchas80%ofthese costsThepolicyholderissuchcircumstancesissupposedtocoinsurejustthe20%oftherestofthe cost.Incasethemedicalservicesusedcostmorethantheallottedcustomarycharges,thepolicy holderwillhavetopayboththecoinsuranceexpensesaswellastheexcessamount,if

...Getmorecontent...

HealthcareintheUnitedStatesThebiggestissueinAmericaisnotjusthunger,education,and crime–buthealthcare.Perhapsthecauseoftheseotherissues,healthcareisexpensiveandhardto access.Thehighcostistoleratedinthebeliefthatmoreexpensivehealthcareleadstobettercare. Thisisnottrue,asstudiesshowthat20%to30%ofpatientsareissuedthewrongtreatmentor medicineThesemedicalerrorshavecausedthousandsoflivestobelost–atahighercostAsmore Americansareawareofourlowrankinginworldwidehealthcare–Japan,Sweden,andCanada makingthetopthree–theneedforanationwidehealthcarereformismuchdebated.Evenwithother greatcountriestomirrorwearestillhesitantinreforminghealthcaretomakeitaccessibletoevery Americancitizen.AlthoughtheUnitedStatesguaranteesit'scitizensaccesstofireandpolice services,protectionbymilitary,nationalpostalservice,andeducationaswellasmanyotherfree federal–andstate–fundedservicestheyhaveyettocommittoensuringthemhealthcarecoverage. TheAffordableCareActallowsaffordablehealthcaretoindividualswithlow–income–...showmore content

CitizensinAmericaobtainhealthcareeitherthroughanemployer,Medicare,or,fortheforty–five million,out–of–pocket.Thenumberoneinhealthcare,Japan,usestheBismarckmodelsystem–healthcarethroughinsurance.Americaisalmostthesame,excepttheBismarckinsuranceinsures everyonewithoutmakingaprofit.JapanhasmoreprivatelyownedhospitalsthanAmerica.This modelcanbefundedseveraldifferentwaysforcost–controlThereasonwehavenotchangedour healthcaresystemisbecauseoffederaldebt.Halfofthehealthcarecostsarepaidbythe government.ThisdebtwillbeAmerica'sdownfall,butalsothehealthcarereformitsodesperately

...Getmorecontent...

HealthcareintheUnitedStatesisrootedintheprivatesector.Theprivatesectordirectlyfunds56% oftheexpendituresthroughprivatehealthinsurance,householdexpendituresandcopays,andother privateexpenditures.(CMS,2014)TheUShealthcaresystemcanthanktheprivatesectorfor providingmuchstrengthsuchasnewdiagnostictechnologies,innovativetreatmentsandprocedures, anddynamismAmericanhospitalsandphysiciansareregardedinternationallyasbeingofhigh quality.Americanscanalsobeproudthatthephysician–patientrelationshipisamongthemost trustedandvaluedrelationshipsinthecountry.Byallowingtheprivatesectortotakealeadrolein thehealthcaresystem,theUnitedStatesvaluesshowmorecontent (Elhauge,2010).Fragmentationleadstoduplicationoftestsandeffort.Often,physiciansdonot havetestresultsandnotesfrompriortreatments.Thisresultsinwastefulduplicationofefforts. Fragmentationleadstounplannedhospitalizations.Approximately20%ofdischargedMedicare patientsarere–hospitalizedwithinthirtydays.(Jencks,Williams,Coleman,2009)Itisestimated thatonly10%ofthosereadmissionsareplanned(Jencks,Williams,Coleman,2009)Patientscan receivebettercontinuationofcareiftheirdoctorscoordinatedbetter,iftherewasbetterdischarge planningandincentivesforproviderstocontrolcostsafterthepatienthasbeendischarged.Apatient centeredmedicalhome(PCMH)couldintegratepatientcare.Apatientcenteredmedialhomeisa teamofhealthcareproviderscomingtogethertoimprovethehealthofaspecificpopulation.A PCMHisdesignedtointegrateprimarycareandspecialistsintoimprovecarecoordination,safety andquality.(Stange,etal2010)APCMHwouldalsoimprovephysiciantraininganddevelopment toprovideacommitmenttotreatthewholepatient,ratherthanjustonepart.(Stange,etal2010) Healthcarefragmentationcanalsobelimitedthroughimprovedcommunicationbetweenproviders usinge–mailandsocialmediatoolssuchasfacebookandtwitter.Physiciansandhospitalsarealso paidwithafragmentedandconfusingmixofpublicandprivatepayments.Intheprivatesector

...Getmorecontent...

ArgumentativeEssayOnHealthInsurance

Healthinsuranceisakindofinsurance.Medicalandsurgicalfeesarealwayspaidbytheinsured. Medicalinsurancecanreimbursethefeefromillnessorinjury,orpayforhealthcareproviders directly,whichusuallyincludedintheemployeebenefitspackage,asakindofattractiveemployee quality.(Investopedia.com2008)EliSaslow(2011)inthebookTenLettersshowsNatoma Canfield'sstoryabouthealthinsuranceThoughNatomaCanfield'spre–existingconditionmakesher rejectedbynearlyallinsurancecompaniesandmakeherliveamiserablelife,shestillwantstohave ahealthinsurance.Astimegoesby,therateofhealthinsurancefeekeepsinflatinguntilshecan't payforthebill(Saslow,2011)ThiskindofexampleisquitenormalinAmerican,whichshowsthe healthinsuranceisoneoftheessentialpartsofdailylife,especiallyforthosehavelowincome.First ofall,oneofthemostvitalfactorsthatweshouldhealthinsuranceisbecausetheshowmore content

Thegovernmentestablishedlawtorequirehealthinsurancecompanytocoveralotofmedicalcheck withoutcopays,whichmakeinsurantcanalwaysstayhealthyandearlycatchtheproblemswhileis easiertosolveandlessexpensivetotreat.Thisalsobenefitsyoungadults.(Olivero,2016)

Furthermore,sometimespolicieschangewillmakepeoplepayextrapaymentswithouthealth insurance.Whenthegovernmentpolicieschanged,theinsurancecompanywillalsochangethe policies.Whileatthattime,thosewithoutinsurancemayneedtopayapenaltyandneedtowaitto getthecoverageAtthattime,theinsurantmaypayextramoneywhichisnotworthwhile(Olivero, 2016)

Inconclusion,takinghealthinsurancewillbenefitalotandconvenientinsurantindailylife.Only lessmoneycangetgoodtreatment,catchthehealthproblemearlierandreducedalotofexpenses whichmakelow–incomeless

...Getmorecontent...

HealthInsurancePlans

Premium

Insuranceisimportanttoeveryoneinthecountry.Healthinsurancecoversthecertainamountof moneytotheinsuredpersonuponacertaineventsuchashospitalizationandsurgeryCommonly healthinsurancepremiumbuyingchoicescoverasimpleresolutioninpurchasingtheprivatehealth insurance.Thepremiumistheamountthatneedstobesatisfiedbyeitherthehouseholdsorthe authoritytobecomeunderwriteWhileofcareerthepaymentshouldbeaffordable,therearemany othertrialsthatexigencyberespectedwhilemakeupone'smindthepremium.Foremployeeswith higherincomes,therewasnorelationshipbetweenrisksandtheprobabilityofbeinginsuredinany way,butforminorincomeshowmorecontent

Accordingto(YiingandYi,2012)self–employedrespondentsarefoundtoacquiremorelife insurancepoliciesthanaprofessionalorwhitecollaremployeePerhapsthisisbecausea professionalorawhitecollaremployeemaybehoodedbyhis/herorganization'sgroupinsurance whileaself–employedrespondentdoesnotenjoysuchprotectionadvantages.Therefore,self–employedrespondentsmayneedtobuymorelifeinsurancepoliciestoalleviateanyunforeseen circumstances.Thesuperiorityonhealthinsurancepoliciesregularlycovergeneralhospitaland professionalfees,plusadailycashallowanceforasextendastheemployeesiswardedThe expensesofcontributinginsurancerelyontheidentityoftheemployees.Forexampleyearofhealth insurancepolicyfor25yearsoldcostsmoretopurchaserthanformiddleagedmanof50statedby (Zeckhauser,2002)Researchby(Mossin,1968),inaninsurancemarketwithcompleteinformation, exposureaverseemployeeschooserpoliciesthatofferfullcoveragewheninsuranceisvalued actuariallyimpartialandmostinsurancepoliciesdonotofferfullcoverage.Research,statedby (Arrow,1971)foundthatiftheinsurancepremiumreliesonlyonthepolicy'sactuarialvalue,then employeespreferthepoliciesthatgivefullcoverageaboveadeductible.Inperfectmarket information,coinsurancesareeithertheresultoftheinsurer'sriskaversionornonlinearityin insurance

...Getmorecontent...

WhyIsTheHealthInsuranceCostSoHigh?

WhyisthehealthinsurancecostsohighinAmerica(indentparagraph)LivingintheUnitedStates, thereisoneessentialthingyouneedtohave,whichishealthinsurance.Healthinsuranceisatypeof insurancethatcancoverscostofmedicalandsurgicalexpenseswhenyouneedthem.Without healthinsurance,thecostofonesinglesurgerywouldbeaenormousnumber.ButintheUnited States,thereareabout46millionamericansareuninsuredTothem,thecostofhealthinsuranceis toohigh.InAmerica,theaveragecostofhealthinsurancepermonthisabout$328andtheminimum wageperhourinhereis$7.25(wherecitefrom?).Fromhere,wecanconcludethatitistoo expensiveforthosepeopletogetsickSo,isthehealthinsurancecostunjustifiablyhigh?The answeristhehighlydevelopedtechnology,wasteofhealthcarebudgetandthefreecompetitorin thehealthinsurancemarket,causedhealthinsurance'spricetoremainsohigh.Firstly,advancesin pharmaceuticalisoneofthemainreasons.Overyears,highlydevelopmentinthepharmaceutical industryhavetransformedhealthcareintoanewform:newmanagementstructureandnew technologyarebeingusedManyhealthproblemsnowcanbesolvedbyjustusingprescription drugs.Furthermore,theuseofprescriptiondrugskeepspeopleawayfromdoingsurgeryandother expenses.Howevertheprocessofmanufactureanddevelopmentofnewdrugsrequirealarge amountofmoney.Drugmanufacturesspenttoomuchmoney

...Getmorecontent...

Healthinsuranceplanscanbedifficulttounderstandforpeoplethatdon'tdealwithitonadaily basis.Duetotheinsurancejargoninthepolicy,alltooftenpeoplefeellikeitwaswritteninanother language.However,itisveryimportantforyoutounderstandexactlyhowyourpolicyworksand whattypeofcoverageyoudohave.Thelastthingyouwanttohappenistofindyourselfwith medicalbillsthatyourplandidn'tcoverorwerehigherthanyouthoughttheyshouldbebecauseyou didn'tunderstandyourpolicy.Themostfrequentlymisunderstoodpartsofthehealthplanisthe deductibleandcoinsurance.Thisarticlewilltakealookatboth.

Adeductibleistheamountofmoneythatyouhavetopayoutofpocketbeforethehealthinsurance benefitskickin.Generally,thisisayearlyamountthatmustbepaid.So,whenyourinsurance renewssodoesyourobligationtopaythedeductible.Dependingontheinsurancepolicy,the deductiblecanbeassignedonaperpersonbasis(i.e.$1,000perperson)orcanbeasingle deductibleforthewholeshowmorecontent

Thisisgenerallyexpressedinpercentages.Forexample,oncethedeductiblehasbeensatisfied,the insurancemaypayfor80%ofasurgerywhileyouareresponsiblefortheother20%.Donot confusethiswithaco–payment.Aco–paymentisthesetamountyoupayforminorserviceslikea visittothedoctor.Themostcommoncoinsurancesplitisthe80/20andmanyinsuranceplanshave anelementofcoinsurancebuiltinForexample,afteryoupayyourdeductible,youmayberequired topay20%ofallserviceswiththehealthinsurancecompanypickinguptherest.Makesureyour policyhasamaximumcoinsuranceamountthatyouareresponsiblefor–thisisusually$2000or $3000perpersonwithamaximumoftwopersonsinthefamilyThislimitsyourtotaloutofpocket

TheUnitedStatesHealthcaresystemisnotasinglepayerhealthcaresystem(Ridic,2012). Insurancecanbeprovidedthroughbothprivateandpublicinsurancemarketplaces.Private insurancecompaniesincludeplanssuchasManagedCareOrganizations(MCO's)thataremainly usedbyemployersthatwanttoinsurefulltimeemployees.TherearetwotypesofMCO'scalled HealthMaintenanceOrganizations(HMO's)andPreferredProviderOrganizations(PPO's)(Ridic, 2012).PublicinsurancecompaniesincludeplanssuchasMedicare,MedicaidandCHIP((Health InsuranceMarketplace).Despiteallofthehealthinsuranceoptions,45millionAmericansareliving withoutinsurance(Goldman,2005)Mostoftheuninsuredpopulationiseitherpoor, unemployed...showmorecontent...

ThemandatorybenefitsthatMedicaidinsuranceisfederallyrequiredtocoverinclude:Inpatientand outpatienthospitalservices,earlyandperiodicscreening,diagnosticandtreatmentservices,nursing facility,homehealthandphysicianservices,ruralhealthclinicservices,laboratorysandx–rays, familyplanning,nursemidwife,andfreestandingbirthcenterservices,certifiedpediatricandfamily nursepractitionerservices,andmedicaltransportation(Goldman,2005).Alongwiththemandatory requirements,thereisalsoalistofoptionalbenefitsthatmanystatesareusingtoexpandMedicaid. Theseoptionalbenefitsinclude:prescriptiondrugs,physicalandoccupationaltherapy,speech, hearingandlanguagedisorders,respiratorycare,podiatryandoptometry,dental,prostheticsand eyeglasses,chiropractic,personalcare,hospiceandprivatenursingservices(Goldman,2005)States alsohavetheoptiontochargepremiumsandestablishout–of–pocketspendingforMedicaid enrollees(CMCS,n.d.)Theseoutofpocketcostscanincludeco–paymentsanddeductibles. However,certaingroupsincludingchildrenandpregnantwomen,areexemptfrommostoutof pocketcosts.Statescanalsochargeahigherco–paywhenMedicaidenrolledindividualsvisita hospital'semergencyroomforanon–emergencyservice(CMCS,

...Getmorecontent...

ChoosingHealthInsurance

Choosinghealthinsurancecanbeadifficult,butitisimportanttogettherighthealthplantocover yourrequiredmedicalneeds.Talkingwithyourhealthcarephysiciancanhelpyouchoosethe appropriateplan.Itisimportanttounderstandingthedifferentformulariestocovermedicationfor anychronicillness.

Adrugformularyisalistofprescriptiondrugs,bothgenericandbrandname,thatarepreferredby yourhealthplan.Yourhealthplanmayonlypayformedicationsthatareonthis"preferred"list. Additionally,healthplanswillonlypayformedicationsthathavebeenapprovedforsalebythe USFoodandDrugAdministration(FDA)

Theagencythatapprovesprescriptionfillinginhealthplansarepharmacyandtherapeutics ...Getmorecontent...

EssayOnPrivateHealthInsurance

TheUnitedStateshasnosolitarycountrywidesystemofhealthinsurance.Healthinsuranceis obtainedinthesecludedmarketplaceorprovidedbythegovernmenttocertaincrowds.Private healthinsurancecanbeboughtfromnumerousforprofitcommercialinsurancecompaniesorfrom nonprofitinsurers.TheyalsoofferedtheMedicarehealthinsurancetoseniorsandtheMedicarefor lowincomefamiliesInmyopinionbothinsurancesareworthlessMyparentsbothhaveMedicare asretireesandtheirservicesandcoverageisjustawful.WhyisitthattheUnitedStatescan'ttake careofourseniorsandprovidegoodhealthcarecoverage?Seniorslikemyparentshaveworkedin thiscountryforover60or70yearsanddon'tgetthetreatmenttheyshowmorecontent

Thisiscountryisknownasthewealthiestcountry,ifthat'sthecasethenIdon'tthinkit'sfairforthe majorityofAmerican'stohavetofiledbankruptcyduetomedicalbills.Allotherprosperous democraciesofferuniversalhealthcaretotheirresidents,andI'msureforlessthenwhatU.S. spends.I'msuredoctorswanttolaborinahealthcaresystemthatpermitsthemtodotheirjob.That jobistoidentifyandtreatdisease,andtoeasepatientsaccordingtotheirbestproficientdecisionIn America,thatisprettyprogressivelytough.Now,theconsequencesthatcanleadafterproviding healthcaretoourresidentsaremany.Forexample,wehavemanypeoplethatunfortunatelytake advantageofthesystem.Let'staketheexampleofasmokingperson.Let'ssaythatpersonspokes twopacksaday,andcomedownwithchronicobstructivepulmonarydisease.Doesthatpersonhas therighttohaveuniversalinsurance?That'sanissuethatpersonbroughtuponthemselvesSmokers knowwhattheyareconsumingandhowdangerousitis.Weseesituationlikethisallthetimehere inthestates.Thisiswhysomanyquestionscomeupwhendecidingwhetherhealthcareshouldbea rightintheUnited

...Getmorecontent...

Themainfunctionforhealthcarefinancingistopayforhealthinsurancepremiumandreimburse healthprovidersforservicesdelivered.Still,thereisacrucialchallengewhencreatinghealth insuranceplans,providecoveragefor"healthcareneedswithoutencouragingunnecessary spending."(Maas)Overtime,healthcarefinancinghasbeenevolving,andnowconsumerscan acquirehealthinsurancethroughgovernmentprogramslikeMedicare,whichitisfortheelderly,for certainindividualswithdisabilitiesandend–stagerenaldisease.Therefore,anypersonwhomeets therequirementscanenrolltothisprogram.Also,thereisMedicaid,whichitistheprogramforthe poor,andChildren'sHealthInsuranceProgrambestknownasCHIP,whichinsurekidswhocome fromlow–incomefamilies.Nonetheless,thereareseveraltypesofprivateinsurancelikeself–insuredplans,individualprivatehealthinsurance,Medigap,andgroupinsuranceprogram,whichit is"...asubstantialnumberofpeopleinthegroupwillpurchaseinsurancethroughitssponsor."(Shi, 2019,p.224)Further,thankstothediversityandwiderangeofhealthinsurance...showmore content

219)Consequently,moralhazardhasanegativeimpactinhealthcarefinancingsincepeopleareless likelytotakecareoftheirhealthwhentheyhavetheeasetofrequentlyconsultadoctoranduseany medicalserviceatanytime,thereforewithhealthinsurancethereisanincreaseinhealthcare spending,"butthevalueofthiscareislessthanitscost,generating...loss."(Nyman,2004) Additionally,sincesuchservicesarereimbursedtohealthcareprovidersbyhealthcarefinancing thereisa"potentialtoincreasehealthcarecosts."(Thoma,

...Getmorecontent...

Directions:Chooseapossiblehealthinsurancerelatedcareerandexplaintheeducationandtraining requirementsthataccompanythisspecificposition.UseWordtowriteaone–pageessayonhow theserequirementsrelatetotheresponsibilitiesofthatposition.

MedicalBillingandInsuranceVerificationsSpecialists

MyHealthInsurancerelatedcareerthatIchosetodomyessayonwouldbetheMedicalBillingand InsuranceVerificationsSpecialistsThesespecialistscontactthepatient'sinsurancecompanyto verifytheirinsurancecoverageandtohelpthepatienthavebettereducationoftheirbenefits information.Theyaresettoworkinfacilitiessuchashospitals,doctor'soffices,andclinics.The educationthatisrequiredforthis

...Getmorecontent...

HistoryAetna,Inc.isanAmericanhealthinsurancecompany,whichisthedirectdescendantof Aetna(Fire)InsuranceCompany,ofHartford,Connecticut.In1850Aetnabeganoperationofan AnnuityFundandthecompanywouldsoontobeknownasAetnaLifeInsuranceCompany.In1899 Aetnabecameoneofthefirstpubliclyheldinsurancecompaniestoenterthehealthinsurancefield. SincethenAetnahasbecomecommittedtoprovidingaccesstocost–effectivehealthcareofthe highestpossiblestandard,toprotectpeopleagainsthealth–relatedrisksandenablethemtoachieve bothgoodhealthandfinancialsecurity.Aetnahasprovidedsuchproductsandservicesfor150 years,andhastheabilitytobealeaderinbuildingastrongandeffectiveshowmorecontent AccesstoCare:Weprovideourmembersaccesstocost–effectivehigh–qualityhealthcarewhile accuratelypredicatingandmanagingmedicalcosts.

ClaimsandBilling:Weachievetimelyandaccurateclaimspaymentsandpremiumbillingand collection

Productivity:Wepursuecontinuousproductiveandprocessimprovement.

Service:Weworktogethereffectivelycrosstheorganizationtogiveourcustomersqualityservice.

Information:Weprovideobjectiveinformationtohelpourmembersmakeinformeddecisionsabout heirfinancialandhealthcareneeds.

Integrity:Achievefinancialandoperationalintegritythroughclear,promptandreliableinformation thataccuratelyreflectsourfinancialandoperationalperformance.

Rewards:Weappreciateeffortbutwerecognizeandrewardemployeesforachievingbusiness results

Satisfaction:Wedeliversuperiorcustomersatisfaction.

PortersFiveForcesofCompetitionframeworkviewstheprofitabilityofanindustryasdetermined bythefiveforcesofcompetitivepressureAsdescribedbelow,onlyhighcompetitiverivalry detractsfromtheattractivenessofthehealthinsuranceindustryforfirmscurrentlyinthebusiness.

ThreatofEntry(Low)

Entryintothehealthinsuranceindustryisblockedbyhigheconomiesofscale,highcapital requirements,andhighgovernmentand

...Getmorecontent...

WiththeexampleswehaddonewiththeI–Clickerpollsthelastexampleofbuyinghealthinsurance leadmetovotedifferentfromtheotherexamples.I'msidingmorewithhavingtobuyhealth insurancewiththemajorityofpeoplewhomaswellagree.SwitchingovertotheNationalGuardto mainlycompleteschooling,IhadneededtopickupTricare–Selectbeingthatifaninjuryoccurs whileIamdrillingwiththeguardthemilitarywilltakecareofitTheycouldeithertakecareofit onamilitarybaseorhavemegotoacivilianproviderthatacceptsTricare.Withthemilitarybeing myfirstjobIdidn'texperienceorlearnthatonceIgotoutduetothenatureofmyinjuryIwas lookingatatotalof$21,000+forsurgeryHavinginsurancedidhelploweritdowntoover$3,000 inwhichIhadtopaytogetthesurgery.Theupsideofatthetimehavingafulltimejob,yetmaking likeover20kayearisn'tmuchtowritehome,Iwasabletobyaninsuranceplanmyuniversitytobe coveredforthatsemesterupcomingwhilestilllivingcomfortablymoneywise.Whichleadmetoget areferraltoagoseeadoctorthatspecializedinmyinjuryandgotthesurgery,howeverIthanran intothisissueNowbeingafulltimecollegestudentnotworkingafulltimejobIdidrunintoshow morecontent...

Insomecases,payingself–paytopayforanx–rayoradoctor'svisitislikelydoable.Justifyou havetopayinfullasurgeryorMRIbothofthemforexamplearepricey.Thushavinginsurance therecaneasilyreducetheprice.Ifyouarefortunatemaybeyouremployerwillbackpayyoufor thecostsbeingthattheydon'ttakecareofitinthefirstplaceIamhopingthatthiswillhappenwith activedutyrepayingmefortheirmessupbylettingmegetoutofthemilitaryinjuredandno attempttobe

...Getmorecontent...

ComparisonEssayOnHealthInsurance

Healthinsuranceisveryimportanttoeveryoneinoursociety,becauseithelpgiveeveryoneasince ofpeace.Whenanindividualissickworryingabouthowtopayforhealthcareservicescanadd additionalburdentotheindividualwhoandfamilyissick.Wherethereyouareemployedor unemployeditisagreatbenefittohavehealthinsurancecoverage,healthcareservicesisontherise andthelackofnothavingawaytopayforsuchservicescanbeofgreatdisadvantageforan individualtotakegoodcareoftheirhealth.Thereareseveralhealthinsurancecompanyonecan purchasedinsurancecoveragefrom,howeverIhaveresearchedtwoofthemajorhealthinsurance carriersinwhichIwasabletocomparethecostsofcoveringhealthcareservicesBCBSofNorth CarolinaandMedicaidofNorthCarolinaarebothgreathealthinsurancecarriersinmyopinion. BlueCrossBlueShieldsofNorthCarolinabaseontheircoveragebenefitshaveseveraloptionsbut theplansthatismostappealingtomeisthetraditionalplan70/30,andtheenhancesplan80/30.The 70/30plancoversroutinephysicalexams,routinehearingevaluation,immunization,Gynecological eexams(includingcervicalcancerscreening),showmorecontent RodriguezwouldbenefitmorewithhavingMedicaidasinsuranceproviderbecauseitisfundedby thestateanditisforfree.Medicaidwouldcoverallhermedicalexpenses100%,Mandatory benefitswouldcoverimpatienthospitalservices,outpatienthospitalservices,EPSDT(earlyand periodicscreening,diagnosticandtreatmentservices).Medicaidalsocoversphysicianservices, homehealthservices,ruralhealthclinicservicesandnursinghomeservicesMedicaidalsohassome prescriptiondrugsbenefits,clinicservices,dentalservicestoleastafew.Medicaidisamuchbetter insuranceforMs.Rodriguez,becausewithherlowincomeshedoesn'thavetoworryaboutpaya highdeductibleforhealthcareservicesandforherinsulinsthatwouldbecoveredfor

...Getmorecontent...

Education,MinimumWageandHealthInsuranceShouldanindividual'sabilitytolearnsomething determinetheenvironmentandclassgrouptheyareputin?Therearesomanyviewthatcouldbe describedfromthepreviousquestion.TheviewpointIwillexploretodayistheindividualswho havespecialeducationclass.Theseindividualsmostofthetimehavealackofpursuitofhappiness, liberty,andlife,DalunZhangofTexasA&MUniversitydiscussedthat'stheideaofself–determination.Parentsintoday'ssocietydon'tpushtheirchildrenwithdisabilitiestomakeachoice, includetheminchores,mostparentsdon'tevenmaketheirchildrensetgoals.Howcantheylearn self–determinationiftheyarenotbeingpushedandparentsareallowingshowmorecontent Theindividualwhenfilingtaxesatthebeginningoftheyearhastopayapenaltyforallthemonths theyarenotinsured.Previouscostrateswere$695.00perpersonupto$2000.00dependingonhow muchincomethepersonhas(healthcare.gov).Mostindividualswhoareapartoftheworkingclass hasahardtimegettinghealthinsuranceduetothelackofmoney.Pursuitofhappinessisabigfactor thatiseffectedbytheissuePeoplegotoworkandworkhardjustforthegovernmenttofigureout anotherwaytotakemoremoneyfromtheworkingclass.Mostworkingpeopledon'thavetheoption todeclinehealthinsurance.Whyshouldhardworkingpeoplehavetopayforcoveragewhileothers livingoffgovernmentassistancegetthebenefitofhavinginsuranceforfreeanddon'thavetoworry aboutthetaxpenalty.Thethoughtofminimumwagegoingupseemslikeitwouldbeawonderful ideabutwouldit?MinimumwageincreasewouldpossiblycostadeclineinemploymentAn increaseinminimumwagecouldcausebusinessestolowertheamountofemployeestheyhave. Interviewswithsmallbusinessownershaveshownwhatcouldbetheoutcomeofminimumwage goingup"Butsomeopponentshavesaidtheminimumwageissueshouldbehandledbythe Legislatureandthatbusinessesinruralcommunitiesmaybeforcedtolayoffemployees,orworse, shutdown,asaresultoftheincreasedwages."(Coral

...Getmorecontent...

Healthcaredidn'talwaysexistintheUnitedStates.Beforethe1920's,mostpeopledidn'thavehealth coverage.Mostpeopleweretreatedathomeandhardlyanyone,exceptafewlargeemployers offeredhealthcare.Everyoneelsepaidoutofpocket.Asthepopulationshiftedfromruralareasto urbancenters,familieslivedinsmallerhomeswithlessroomtocareforsickfamilymembers (Faulkner1960,p509)Increasingrequirementsforlicensingandaccreditation,inadditiontoa risingdemandformedicalcare,eventuallyledtorisingcosts.Bytheendof1920s,therewasan increaseddemandformedicalcareandthecostsofmedicalcareincreased.

DuringthetimeoftheGreatDepressionandafter,medicalserviceplansgrewIntheshowmore content...

Also,alackofinsuranceisahugefinancialburdenforindividualsandtheirfamilies.Lackofhealth insurancehassocialconsequences,aswell.Somediseasesarehighlycontagiousandcanbespread easilytofamilymembers,friends,colleagues,co–workersandothers,onemaycomeincontact withWithhealthinsurance,thesecontagiousdiseasescanbecontainedandcuredortreatedmore quicklyandcost–effectively.Peoplewithouthealthinsurancehavelimited,reducedaccessto servicesofpreventivecare,likecancerscreening.

Moreover,thebenefitsofexpandingcoverageoutweighthecostsforaddedservices.[4]Safety–net carefromhospitalsandclinicsimprovesaccesstocarebutdoesnotfullysubstituteforhealth insuranceThesefindingsaresupportedbymuchresearch,althoughsomecautionsareappropriate inusingtheseresults.Peoplewithhealthinsuranceareprotectedagainstuncertainandhighmedical expensesandaremorelikelytoreceiveneededandappropriatehealthcare.Inaddition,having healthinsuranceisassociatedwithimprovedhealthoutcomesandlowermortality,soemployees withhealthinsurancearemorelikelytobeproductiveworkers.Youdonotpayincometaxon healthinsurancebenefitssoitismorevaluableperdollarthanthesameamountintaxablepay.[5]

HowHealthInsuranceWorks

CompaniesprovideemployeeswithhealthinsuranceandhealthcarebenefitsWhathappensis ...Getmorecontent...

ThreeMajorCancerstobeCoveredbyInsuranceinDubaiin2018

ThehealthinsuranceindustryinUnitedArabEmirates(UAE)haschangedramaticallyinthepast fewyears.Theauthoritiesmovedtoamandatoryhealthinsurancecoverageandanewinitiativehas increasedthecoverageandcarepeoplecanexpectfromtheirinsurancepackages

TheDubaiHealthAuthority(DHA)announcedatthestartofDecemberthatit'splanningtolauncha newinitiativecalledBasmahTheinitiativewouldmeanthatbasicbenefitplanofthemandatory healthinsuranceschemewouldcoverscreeningandtreatmentofthreemajorcancers.Anyonewith theEssentialBasicPackage(EBP)wouldbeentitledtothespectrumofcare.

Priortothisdecision,thefunding...showmorecontent...

Atthesametime,manycancershaveseensurvivalratesincreaserapidlyinrecentdecadesAllthe threecancersthatarepartoftheinitiativeareconsideredcurablecancersthesedays.Thesecancers aren'tanautomaticdeathsentenceinthemodernworld–however,earlydetectionisthekey. Therefore,theinitiativewithitsstrictscreeningguidelinescanhelpinensuringearlydetectiontakes placeandsurvivalratesintheregioncontinuetoclimbup.

Thebasichealthinsurancepackagewillprovidecoverforthefollowingcancers:

Breastcancer

Breastcancerisaproblemintheregionwithstudiesshowingwomengetit10yearsearlierinDubai thanitotherpartsoftheworld.Thetreatmentofteninvolvesaprocedurecalledmastectomy,which removesthebreasttissueandanycanceroustissuetostopspreading.Breastcancerisamajorcancer amongstwomen,althoughitssurvivalrateshavedrasticallyimprovedinrecentyears

Cervicalcancer

CervicalcanceristhesecondmajorcancerinUAEanditistheseventhcauseofdeathintheregion. Amongwomen,theworldwidestatisticssuggestitisthefourthmostcommoncancerStudieshave predictedthecancertoincreaseby25%innext10yearssoscreeningwillbekeytoensuringthe cancerdoesn'tbecomeamajorkiller.

Colorectalcancer

Anothercommoncancerintheregioniscolorectalcancer.WhilethesurvivalratesinDubaican rangefrom80%to92%,its

Itwas2008,andIhadjustarrivedinMichiganfromPakistan.Aftersomemonths,InoticedthatI washavingtroublebreathing,butIdidnothaveanyhealthinsuranceatthattime.Iwenttoadoctor fromIndia,sohecouldspeakmynativelanguage,Urdu.HediagnosedthatIhadanasthmaattack. Hegavemesomemedicineandtoldme"Ifyouthinkyouaregoingtodiethendie,butdon'tgo hospitalwithoutinsurance"Expensivemedicaltreatments,generalhealthcheck–upsand prescriptionbecomemoreaccessiblewithhealthinsuranceplans.Astrongphysicalconditionis veryimportanttobesuccessfulinlifeforeveryone,buttherearesomeproblemswithhealth coverage:Insuranceisveryexpensive;itisonlyavailablethroughsomejobs,AffordableCareAct orMedicaid.TheincreasingcostofhealthcareiscausingaburdentopeopleintheUnitedStates andbenefitsarebecomingmorelimited.

Itisnotonlydifficulttogetthehealthinsurance,butalsotokeepit.Thereisabigproblem, however;noteverycompanyhasbenefitsofhealthinsurance.Somebigcompaniesand government–basedemploymentprovideshealthcoveragefortheiremployees,whichisareason manyfull–timeworkersareabletogethealthinsurancefromtheirwork,butmanypeoplework part–timejobs,whichdonotofferhealthinsurance.EvenpeoplehaveaMedicaidorAffordable CareActplanbuttheystillhavetopaythehighcopaysandbills.Toachieveahealthylife,people shouldhaveaccessthe

...Getmorecontent...