Health Insurance Essay

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Health Insurance Of The United States Essay Indemnity Health Insurance Essay Essay On Healthcare In The United States Healthcare in the United States Essay Argumentative Essay On Health Insurance Essay on Health Insurance Plans Why Is The Health Insurance Cost So High? How To Write A Health Insurance Essay Essay On Healthcare Insurance Choosing Health Insurance Essay On Private Health Insurance Health Insurance Essay Health Insurance Related Career Essay Health Insurance Essay example Health Insurance Essay Examples Comparison Essay On Health Insurance Health Insurance Essay History of Health Insurance Essay Essay On Health Care Insurance Persuasive Essay On Health Insurance

Health Insurance Of The United States Essay
Health insurance in the United States is a highly politicized issue. In recent years, many strides have
been made to extend health insurance coverage to all Americans with the passage of the Patient
Protection and Affordable Care Act (PPACA). While the program has been vigorously debated in the
public realm, arguments are often centered around political ideology rather than economic theory.
This paper seeks to challenge the entire structure of the current health insurance model, since its
inception in the 1950s. Through the overuse of a third–party payer model, a magnitude of problems
have emerged that severely diminish the efficiency of health care allocation in the United States.
This paper proposes a model that seeks to correct issues of cost, access, and market efficiency by
adapting the Medicare Part D payment scheme for an all encompassing insurance model.
Background
In 1954, Congress passed legislation allowing employers to provide health insurance benefits to
employees on a tax–free basis (Sih and Singh 99). This legal provision marked the beginning of the
rapidly expanding health care costs still apparent today due to the major incentives provided by the
government to obtain employer–based health coverage. The overwhelming popularity of
employer–based health insurance has led to a serious market inefficiency resulting from the system
of third–party payment. As individuals rely on their insurance companies to pay for their medical
expenses, this provides
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Indemnity Health Insurance Essay
Indemnity Health Insurance Coverage is one that gives the policy holders a unique chance to use
the services of a medical service provider (it may be a hospital or just the doctor) and share the bill
with the insurance firm. The very characteristic of the Indemnity Health Care Insurance is that the
policy holder and the insurance company both pay a part of the medical bill as an part of the contract.
This article discusses the various features of the Indemnity Health Insurance. For the last few
decades the indemnity health insurance had been one of the most common health care policies that
almost every American had owned. But with the latest developments in the field of health care
policy, advanced strides have been taken to formulate more affordable health care policies.
Nowadays, any average American prefers to buy a policy that in a systematic and handy way
provides the various medical services and at the same time pays for them as well. That is why the
new age custom...show more content...
Anyone who has an Indemnity Health cover can use the services of any medical practitioner or
any other kinds of medical service, only the bill needs to be forwarded to the insurer and the
medical costs are instantly reimbursed. Either the policy holder or the medical service provider
can forward the bill and the rest of it is taken care of by the insurer. However, for this smooth
processing the policy holder is required to have paid the deductible amount before hand.
The Indemnity Health Care policies also pay a part of the customary charge that is usually kept
reserved for all the covered medical services. The insurance firm pays for as much as 80% of
these costs. The policy holder is such circumstances is supposed to coinsure just the 20% of the rest
of the cost. In case the medical services used cost more than the allotted customary charges, the
policy holder will have to pay both the coinsurance expenses as well as the excess amount, if
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Essay On Healthcare In The United States
Healthcare in the United States The biggest issue in America is not just hunger, education, and
crime– but health care. Perhaps the cause of these other issues, health care is expensive and hard
to access. The high cost is tolerated in the belief that more expensive health care leads to better
care. This is not true, as studies show that 20% to 30% of patients are issued the wrong treatment or
medicine. These medical errors have caused thousands of lives to be lost– at a higher cost. As more
Americans are aware of our low ranking in worldwide health care– Japan, Sweden, and Canada
making the top three–the need for a nationwide health care reform is much debated. Even with other
great countries to mirror we are still hesitant in reforming health care to make it accessible to every
American citizen. Although the United States guarantees it's citizens access to fire and police
services, protection by military, national postal service, and education as well as many other free
federal– and state–funded services they have yet to commit to ensuring them health care coverage.
The Affordable Care Act allows affordable healthcare to individuals with low–income–...show more
content...
Citizens in America obtain healthcare either through an employer, Medicare, or ,for the forty–five
million, out–of–pocket. The number one in healthcare, Japan, uses the Bismarck model system–
healthcare through insurance. America is almost the same, except the Bismarck insurance insures
everyone without making a profit. Japan has more privately owned hospitals than America. This
model can be funded several different ways for cost–control. The reason we have not changed our
healthcare system is because of federal debt. Half of the health care costs are paid by the
government. This debt will be America's downfall, but also the healthcare reform it so desperately
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Healthcare in the United States Essay
Healthcare in the United States is rooted in the private sector. The private sector directly funds 56%
of the expenditures through private health insurance, household expenditures and copays, and other
private expenditures. (CMS, 2014) The US healthcare system can thank the private sector for
providing much strength such as new diagnostic technologies, innovative treatments and procedures,
and dynamism. American hospitals and physicians are regarded internationally as being of high
quality. Americans can also be proud that the physician– patient relationship is among the most
trusted and valued relationships in the country. By allowing the private sector to take a lead role in
the healthcare system, the United States values...show more content...
(Elhauge, 2010). Fragmentation leads to duplication of tests and effort. Often, physicians do not
have test results and notes from prior treatments. This results in wasteful duplication of efforts.
Fragmentation leads to unplanned hospitalizations. Approximately 20% of discharged Medicare
patients are re–hospitalized within thirty days. (Jencks, Williams, Coleman, 2009) It is estimated that
only 10% of those readmissions are planned. (Jencks, Williams, Coleman, 2009) Patients can receive
better continuation of care if their doctors coordinated better, if there was better discharge planning
and incentives for providers to control costs after the patient has been discharged. A patient centered
medical home (PCMH) could integrate patient care. A patient centered medial home is a team of
healthcare providers coming together to improve the health of a specific population. A PCMH is
designed to integrate primary care and specialists into improve care coordination, safety and
quality.(Stange, et al 2010) A PCMH would also improve physician training and development to
provide a commitment to treat the whole patient, rather than just one part.(Stange, et al 2010)
Healthcare fragmentation can also be limited through improved communication between providers
using e–mail and social media tools such as facebook and twitter. Physicians and hospitals are also
paid with a fragmented and confusing mix of public and private payments. In the private sector
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Argumentative Essay On Health Insurance
Health insurance is a kind of insurance. Medical and surgical fees are always paid by the insured.
Medical insurance can reimburse the fee from illness or injury, or pay for health care providers
directly, which usually included in the employee benefits package, as a kind of attractive employee
quality. (Investopedia.com 2008) Eli Saslow (2011) in the book Ten Letters shows Natoma
Canfield's story about health insurance. Though Natoma Canfield's pre–existing condition makes her
rejected by nearly all insurance companies and make her live a miserable life, she still wants to have
a health insurance. As time goes by, the rate of health insurance fee keeps inflating until she can't
pay for the bill. (Saslow, 2011) This kind of example is quite normal in American, which shows the
health insurance is one of the essential parts of daily life, especially for those have low income.
First of all, one of the most vital factors that we should health insurance is because the...show more
content...
The government established law to require health insurance company to cover a lot of medical
check without copays, which make insurant can always stay healthy and early catch the problems
while is easier to solve and less expensive to treat. This also benefits young adults. (Olivero, 2016)
Furthermore, sometimes policies change will make people pay extra payments without health
insurance. When the government policies changed, the insurance company will also change the
policies. While at that time, those without insurance may need to pay a penalty and need to wait to
get the coverage. At that time, the insurant may pay extra money which is not worthwhile. (Olivero,
2016)
In conclusion, taking health insurance will benefit a lot and convenient insurant in daily life. Only
less money can get good treatment, catch the health problem earlier and reduced a lot of expenses
which make low–income less
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Essay on Health Insurance Plans
Health Insurance Plans
Premium
Insurance is important to everyone in the country. Health insurance covers the certain amount of
money to the insured person upon a certain event such as hospitalization and surgery. Commonly
health insurance premium buying choices cover a simple resolution in purchasing the private health
insurance. The premium is the amount that needs to be satisfied by either the households or the
authority to become underwrite. While of career the payment should be affordable, there are many
other trials that exigency be respected while makeup one's mind the premium. For employees with
higher incomes, there was no relationship between risks and the probability of being insured in any
way, but for minor income...show more content...
According to (Yiing and Yi, 2012) self–employed respondents are found to acquire more life
insurance policies than a professional or white collar employee. Perhaps this is because a
professional or a white collar employee may be hooded by his/her organization's group insurance
while a self–employed respondent does not enjoy such protection advantages. Therefore,
self–employed respondents may need to buy more life insurance policies to alleviate any
unforeseen circumstances. The superiority on health insurance policies regularly cover general
hospital and professional fees, plus a daily cash allowance for as extend as the employees is
warded. The expenses of contributing insurance rely on the identity of the employees. For
example year of health insurance policy for 25 years old costs more to purchaser than for middle
aged man of 50 stated by (Zeckhauser, 2002). Research by (Mossin, 1968), in an insurance market
with complete information, exposure averse employees chooser policies that offer full coverage
when insurance is valued actuarially impartial and most insurance policies do not offer full
coverage. Research, stated by (Arrow, 1971) found that if the insurance premium relies only on the
policy's actuarial value, then employees prefer the policies that give full coverage above a
deductible. In perfect market information, coinsurances are either the result of the insurer's risk
aversion or nonlinearity in insurance
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Why Is The Health Insurance Cost So High?
Why is the health insurance cost so high in America(indent paragraph) Living in the United States,
there is one essential thing you need to have, which is health insurance. Health insurance is a type of
insurance that can covers cost of medical and surgical expenses when you need them. Without health
insurance, the cost of one single surgery would be a enormous number. But in the United States,
there are about 46 million americans are uninsured. To them, the cost of health insurance is too high.
In America, the average cost of health insurance per month is about $328 and the minimum wage
per hour in here is $7.25(where cite from?). From here, we can conclude that it is too expensive for
those people to get sick. So, is the health insurance cost unjustifiably high? The answer is the highly
developed technology, waste of health care budget and the free competitor in the health insurance
market, caused health insurance's price to remain so high. Firstly, advances in pharmaceutical is one
of the main reasons. Over years, highly development in the pharmaceutical industry have
transformed health care into a new form: new management structure and new technology are being
used. Many health problems now can be solved by just using prescription drugs. Furthermore, the
use of prescription drugs keeps people away from doing surgery and other expenses. However the
process of manufacture and development of new drugs require a large amount of money. Drug
manufactures spent too much money
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How To Write A Health Insurance Essay
Health insurance plans can be difficult to understand for people that don't deal with it on a daily
basis. Due to the insurance jargon in the policy, all to often people feel like it was written in
another language. However, it is very important for you to understand exactly how your policy
works and what type of coverage you do have. The last thing you want to happen is to find yourself
with medical bills that your plan didn't cover or were higher than you thought they should be
because you didn't understand your policy. The most frequently misunderstood parts of the health
plan is the deductible and coinsurance. This article will take a look at both.
A deductible is the amount of money that you have to pay out of pocket before the health insurance
benefits kick in. Generally, this is a yearly amount that must be paid. So, when your insurance
renews so does your obligation to pay the deductible. Depending on the insurance policy, the
deductible can be assigned on a per person basis (i.e. $1,000 per person) or can be a single
deductible for the whole...show more content...
This is generally expressed in percentages. For example, once the deductible has been satisfied, the
insurance may pay for 80% of a surgery while you are responsible for the other 20%. Do not confuse
this with a co–payment. A co–payment is the set amount you pay for minor services like a visit to
the doctor. The most common coinsurance split is the 80/20 and many insurance plans have an
element of coinsurance built in. For example, after you pay your deductible, you may be required to
pay 20% of all services with the health insurance company picking up the rest. Make sure your
policy has a maximum coinsurance amount that you are responsible for – this is usually $2000 or
$3000 per person with a maximum of two persons in the family. This limits your total out of pocket
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Essay On Healthcare Insurance
The United States Healthcare system is not a single payer healthcare system (Ridic, 2012).
Insurance can be provided through both private and public insurance marketplaces. Private
insurance companies include plans such as Managed Care Organizations (MCO's) that are mainly
used by employers that want to insure full time employees. There are two types of MCO's called
Health Maintenance Organizations (HMO's) and Preferred Provider Organizations (PPO's) (Ridic,
2012). Public insurance companies include plans such as Medicare, Medicaid and CHIP ( (Health
Insurance Marketplace). Despite all of the health insurance options, 45 million Americans are living
without insurance (Goldman, 2005). Most of the uninsured population is either poor, unemployed
...show more content...
The mandatory benefits that Medicaid insurance is federally required to cover include: Inpatient and
outpatient hospital services, early and periodic screening, diagnostic and treatment services, nursing
facility, home health and physician services, rural health clinic services, laboratorys and x–rays,
family planning, nurse midwife, and freestanding birth center services, certified pediatric and family
nurse practitioner services, and medical transportation (Goldman, 2005). Along with the mandatory
requirements, there is also a list of optional benefits that many states are using to expand Medicaid.
These optional benefits include: prescription drugs, physical and occupational therapy, speech,
hearing and language disorders, respiratory care, podiatry and optometry, dental, prosthetics and
eyeglasses, chiropractic, personal care, hospice and private nursing services (Goldman, 2005). States
also have the option to charge premiums and establish out–of–pocket spending for Medicaid
enrollees (CMCS, n.d.) These out of pocket costs can include co–payments and deductibles.
However, certain groups including children and pregnant women, are exempt from most out of
pocket costs. States can also charge a higher co–pay when Medicaid enrolled individuals visit a
hospital's emergency room for a non–emergency service (CMCS,
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Choosing Health Insurance
Choosing health insurance can be a difficult, but it is important to get the right health plan to cover
your required medical needs. Talking with your health care physician can help you choose the
appropriate plan. It is important to understanding the different formularies to cover medication for
any chronic illness.
A drug formulary is a list of prescription drugs, both generic and brand name, that are preferred by
your health plan. Your health plan may only pay for medications that are on this "preferred" list.
Additionally, health plans will only pay for medications that have been approved for sale by the U.S.
Food and Drug Administration (FDA)
The agency that approves prescription filling in health plans are pharmacy and therapeutics
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Essay On Private Health Insurance
The United States has no solitary countrywide system of health insurance. Health insurance is
obtained in the secluded marketplace or provided by the government to certain crowds. Private
health insurance can be bought from numerous for profit commercial insurance companies or from
nonprofit insurers. They also offered the Medicare health insurance to seniors and the Medicare for
low income families. In my opinion both insurances are worthless. My parents both have Medicare
as retirees and their services and coverage is just awful. Why is it that the United States can't take
care of our seniors and provide good health care coverage? Seniors like my parents have worked in
this country for over 60 or 70 years and don't get the treatment they...show more content...
This is country is known as the wealthiest country, if that's the case then I don't think it's fair for the
majority of American's to have to filed bankruptcy due to medical bills. All other prosperous
democracies offer universal health care to their residents, and I'm sure for less then what U.S.
spends. I'm sure doctors want to labor in a health care system that permits them to do their job.
That job is to identify and treat disease, and to ease patients according to their best proficient
decision. In America, that is pretty progressively tough. Now, the consequences that can lead after
providing health care to our residents are many. For example, we have many people that
unfortunately take advantage of the system. Let's take the example of a smoking person. Let's say
that person spokes two packs a day, and come down with chronic obstructive pulmonary disease.
Does that person has the right to have universal insurance? That's an issue that person brought upon
themselves. Smokers know what they are consuming and how dangerous it is. We see situation like
this all the time here in the states. This is why so many questions come up when deciding whether
health care should be a right in the United
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Health Insurance Essay
The main function for health care financing is to pay for health insurance premium and reimburse
health providers for services delivered. Still, there is a crucial challenge when creating health
insurance plans, provide coverage for "health care needs without encouraging unnecessary
spending." (Maas) Over time, health care financing has been evolving, and now consumers can
acquire health insurance through government programs like Medicare, which it is for the elderly, for
certain individuals with disabilities and end–stage renal disease. Therefore, any person who meets
the requirements can enroll to this program. Also, there is Medicaid, which it is the program for the
poor, and Children's Health Insurance Program best known as CHIP, which insure kids who come
from low–income families. Nonetheless, there are several types of private insurance like
self–insured plans, individual private health insurance, Medigap, and group insurance program,
which it is "... a substantial number of people in the group will purchase insurance through its
sponsor." (Shi, 2019, p. 224) Further, thanks to the diversity and wide range of health insurance
...show more content...
219) Consequently, moral hazard has a negative impact in health care financing since people are
less likely to take care of their health when they have the ease to frequently consult a doctor and use
any medical service at any time, therefore with health insurance there is an increase in health care
spending, "but the value of this care is less than its cost, generating... loss." (Nyman, 2004)
Additionally, since such services are reimbursed to health care providers by health care financing
there is a "potential to increase health care costs." (Thoma,
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Health Insurance Related Career Essay
Directions: Choose a possible health insurance related career and explain the education and training
requirements that accompany this specific position. Use Word to write a one–page essay on how
these requirements relate to the responsibilities of that position.
Medical Billing and Insurance Verifications Specialists
My Health Insurance related career that I chose to do my essay on would be the Medical Billing and
Insurance Verifications Specialists. These specialists contact the patient's insurance company to
verify their insurance coverage and to help the patient have better education of their benefits
information. They are set to work in facilities such as hospitals, doctor's offices, and clinics. The
education that is required for this
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Health Insurance Essay example
HistoryAetna, Inc. is an American health insurance company, which is the direct descendant of
Aetna (Fire) Insurance Company, of Hartford, Connecticut. In 1850 Aetna began operation of an
Annuity Fund and the company would soon to be known as Aetna Life Insurance Company. In 1899
Aetna became one of the first publicly held insurance companies to enter the health insurance field.
Since then Aetna has become committed to providing access to cost–effective health care of the
highest possible standard, to protect people against health–related risks and enable them to achieve
both good health and financial security. Aetna has provided such products and services for 150
years, and has the ability to be a leader in building a strong and effective...show more content...
Access to Care: We provide our members access to cost–effective high–quality health care while
accurately predicating and managing medical costs.
Claims and Billing: We achieve timely and accurate claims payments and premium billing and
collection.
Productivity: We pursue continuous productive and process improvement.
Service: We work together effectively cross the organization to give our customers quality service.
Information: We provide objective information to help our members make informed decisions about
heir financial and health care needs.
Integrity: Achieve financial and operational integrity through clear, prompt and reliable information
that accurately reflects our financial and operational performance.
Rewards: We appreciate effort but we recognize and reward employees for achieving business results.
Satisfaction: We deliver superior customer satisfaction.
Porters Five Forces of Competition framework views the profitability of an industry as determined
by the five forces of competitive pressure. As described below, only high competitive rivalry detracts
from the attractiveness of the health insurance industry for firms currently in the business.
Threat of Entry (Low)
Entry into the health insurance industry is blocked by high economies of scale, high capital
requirements, and high government and
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Health Insurance Essay Examples
With the examples we had done with the I–Clicker polls the last example of buying health insurance
lead me to vote different from the other examples. I'm siding more with having to buy health
insurance with the majority of people whom as well agree. Switching over to the National Guard to
mainly complete schooling, I had needed to pick up Tricare–Select being that if an injury occurs
while I am drilling with the guard the military will take care of it. They could either take care of it
on a military base or have me go to a civilian provider that accepts Tricare. With the military being
my first job I didn't experience or learn that once I got out due to the nature of my injury I was
looking at a total of $21,000+ for surgery. Having insurance did help lower it down to over $3,000 in
which I had to pay to get the surgery. The upside of at the time having a full time job, yet making
like over 20k a year isn't much to write home, I was able to by an insurance plan my university to be
covered for that semester upcoming while still living comfortably money wise. Which lead me to get
a referral to a go see a doctor that specialized in my injury and got the surgery, however I than ran
into this issue. Now being a full time college student not working a full time job I did run into...show
more content...
In some cases, paying self–pay to pay for an x–ray or a doctor's visit is likely doable. Just if you
have to pay in full a surgery or MRI both of them for example are pricey. Thus having insurance
there can easily reduce the price. If you are fortunate maybe your employer will back pay you for
the costs being that they don't take care of it in the first place. I am hoping that this will happen
with active duty repaying me for their mess up by letting me get out of the military injured and no
attempt to be
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Comparison Essay On Health Insurance
Health insurance is very important to everyone in our society, because it help give everyone a
since of peace. When an individual is sick worrying about how to pay for healthcare services can
add additional burden to the individual who and family is sick. Where there you are employed or
unemployed it is a great benefit to have health insurance coverage, healthcare services is on the rise
and the lack of not having a way to pay for such services can be of great disadvantage for an
individual to take good care of their health. There are several health insurance company one can
purchased insurance coverage from, however I have researched two of the major health insurance
carriers in which I was able to compare the costs of covering healthcare services. BCBS of North
Carolina and Medicaid of North Carolina are both great health insurance carriers in my opinion.
Blue Cross Blue Shields of North Carolina base on their coverage benefits have several options but
the plans that is most appealing to me is the traditional plan 70/30, and the enhances plan 80/30. The
70/30 plan covers routine physical exams, routine hearing evaluation, immunization, Gynecological e
exams (including cervical cancer screening),...show more content...
Rodriguez would benefit more with having Medicaid as insurance provider because it is funded
by the state and it is for free. Medicaid would cover all her medical expenses 100%, Mandatory
benefits would cover impatient hospital services, outpatient hospital services, EPSDT (early and
periodic screening, diagnostic and treatment services). Medicaid also covers physician services,
home health services, rural health clinic services and nursing home services. Medicaid also has
some prescription drugs benefits, clinic services, dental services to least a few. Medicaid is a
much better insurance for Ms. Rodriguez, because with her low income she doesn't have to worry
about pay a high deductible for healthcare services and for her insulins that would be covered for
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Health Insurance Essay
Education, Minimum Wage and Health Insurance Should an individual's ability to learn something
determine the environment and class group they are put in? There are so many view that could be
described from the previous question. The view point I will explore today is the individuals who
have special education class. These individuals most of the time have a lack of pursuit of happiness,
liberty, and life, Dalun Zhang of Texas A&M University discussed that's the idea of
self–determination. Parents in today's society don't push their children with disabilities to make a
choice, include them in chores, most parents don't even make their children set goals. How can they
learn self–determination if they are not being pushed and parents are allowing...show more content...
The individual when filing taxes at the beginning of the year has to pay a penalty for all the
months they are not insured. Previous cost rates were $695.00 per person up to $2000.00 depending
on how much income the person has (healthcare.gov). Most individuals who are a part of the
working class has a hard time getting health insurance due to the lack of money. Pursuit of
happiness is a big factor that is effected by the issue. People go to work and work hard just for the
government to figure out another way to take more money from the working class. Most working
people don't have the option to decline health insurance. Why should hard working people have to
pay for coverage while others living off government assistance get the benefit of having insurance
for free and don't have to worry about the tax penalty. The thought of minimum wage going up
seems like it would be a wonderful idea but would it? Minimum wage increase would possibly cost
a decline in employment. An increase in minimum wage could cause businesses to lower the
amount of employees they have. Interviews with small business owners have shown what could be
the outcome of minimum wage going up. "But some opponents have said the minimum wage issue
should be handled by the Legislature and that businesses in rural communities may be forced to lay
off employees, or worse, shut down, as a result of the increased wages." (Coral
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History of Health Insurance Essay
Healthcare didn't always exist in the United States. Before the 1920's, most people didn't have
health coverage. Most people were treated at home and hardly anyone, except a few large
employers offered healthcare. Everyone else paid out of pocket. As the population shifted from
rural areas to urban centers, families lived in smaller homes with less room to care for sick family
members (Faulkner 1960, p. 509). Increasing requirements for licensing and accreditation, in
addition to a rising demand for medical care, eventually led to rising costs. By the end of 1920s,
there was an increased demand for medical care and the costs of medical care increased.
During the time of the Great Depression and after, medical service plans grew. In the...show more
content...
Also, a lack of insurance is a huge financial burden for individuals and their families. Lack of health
insurance has social consequences, as well. Some diseases are highly contagious and can be spread
easily to family members, friends, colleagues, co–workers and others, one may come in contact with.
With health insurance, these contagious diseases can be contained and cured or treated more quickly
and cost–effectively. People without health insurance have limited, reduced access to services of
preventive care, like cancer screening.
Moreover, the benefits of expanding coverage outweigh the costs for added services. [4] Safety–net
care from hospitals and clinics improves access to care but does not fully substitute for health
insurance. These findings are supported by much research, although some cautions are appropriate
in using these results. People with health insurance are protected against uncertain and high medical
expenses and are more likely to receive needed and appropriate health care. In addition, having
health insurance is associated with improved health outcomes and lower mortality, so employees
with health insurance are more likely to be productive workers. You do not pay income tax on
health insurance benefits so it is more valuable per dollar than the same amount in taxable pay. [5]
How Health Insurance Works
Companies provide employees with health insurance and health care benefits. What happens is
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Essay On Health Care Insurance
Three Major Cancers to be Covered by Insurance in Dubai in 2018
The health insurance industry in United Arab Emirates (UAE) has change dramatically in the past
few years. The authorities moved to a mandatory health insurance coverage and a new initiative has
increased the coverage and care people can expect from their insurance packages.
The Dubai Health Authority (DHA) announced at the start of December that it's planning to launch
a new initiative called Basmah. The initiative would mean that basic benefit plan of the mandatory
health insurance scheme would cover screening and treatment of three major cancers. Anyone with
the Essential Basic Package (EBP) would be entitled to the spectrum of care.
Prior to this decision, the funding...show more content...
At the same time, many cancers have seen survival rates increase rapidly in recent decades. All the
three cancers that are part of the initiative are considered curable cancers these days. These cancers
aren't an automatic death sentence in the modern world – however, early detection is the key.
Therefore, the initiative with its strict screening guidelines can help in ensuring early detection takes
place and survival rates in the region continue to climb up.
The basic health insurance package will provide cover for the following cancers:
Breast cancer
Breast cancer is a problem in the region with studies showing women get it 10 years earlier in
Dubai than it other parts of the world. The treatment often involves a procedure called mastectomy,
which removes the breast tissue and any cancerous tissue to stop spreading. Breast cancer is a major
cancer amongst women, although its survival rates have drastically improved in recent years.
Cervical cancer
Cervical cancer is the second major cancer in UAE and it is the seventh cause of death in the
region. Among women, the worldwide statistics suggest it is the fourth most common cancer.
Studies have predicted the cancer to increase by 25% in next 10 years so screening will be key to
ensuring the cancer doesn't become a major killer.
Colorectal cancer
Another common cancer in the region is colorectal cancer. While the survival rates in Dubai can
range from 80% to 92%, its
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Persuasive Essay On Health Insurance
It was 2008, and I had just arrived in Michigan from Pakistan. After some months, I noticed that I
was having trouble breathing, but I did not have any health insurance at that time. I went to a doctor
from India, so he could speak my native language, Urdu. He diagnosed that I had an asthma attack.
He gave me some medicine and told me "If you think you are going to die then die, but don't go
hospital without insurance." Expensive medical treatments, general health check–ups and
prescription become more accessible with health insurance plans. A strong physical condition is
very important to be successful in life for everyone, but there are some problems with health
coverage: Insurance is very expensive; it is only available through some jobs, Affordable Care Act
or Medicaid. The increasing cost of health care is causing a burden to people in the United States
and benefits are becoming more limited.
It is not only difficult to get the health insurance, but also to keep it. There is a big problem,
however; not every company has benefits of health insurance. Some big companies and
government–based employment provides health coverage for their employees, which is a reason
many full–time workers are able to get health insurance from their work, but many people work
part–time jobs, which do not offer health insurance. Even people have a Medicaid or Affordable
Care Act plan but they still have to pay the high copays and bills. To achieve a healthy life, people
should have access the
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Health Insurance Essay

  • 1. Health Insurance Of The United States Essay Health insurance in the United States is a highly politicized issue. In recent years, many strides have been made to extend health insurance coverage to all Americans with the passage of the Patient Protection and Affordable Care Act (PPACA). While the program has been vigorously debated in the public realm, arguments are often centered around political ideology rather than economic theory. This paper seeks to challenge the entire structure of the current health insurance model, since its inception in the 1950s. Through the overuse of a third–party payer model, a magnitude of problems have emerged that severely diminish the efficiency of health care allocation in the United States. This paper proposes a model that seeks to correct issues of cost, access, and market efficiency by adapting the Medicare Part D payment scheme for an all encompassing insurance model. Background In 1954, Congress passed legislation allowing employers to provide health insurance benefits to employees on a tax–free basis (Sih and Singh 99). This legal provision marked the beginning of the rapidly expanding health care costs still apparent today due to the major incentives provided by the government to obtain employer–based health coverage. The overwhelming popularity of employer–based health insurance has led to a serious market inefficiency resulting from the system of third–party payment. As individuals rely on their insurance companies to pay for their medical expenses, this provides Get more content on HelpWriting.net
  • 2. Indemnity Health Insurance Essay Indemnity Health Insurance Coverage is one that gives the policy holders a unique chance to use the services of a medical service provider (it may be a hospital or just the doctor) and share the bill with the insurance firm. The very characteristic of the Indemnity Health Care Insurance is that the policy holder and the insurance company both pay a part of the medical bill as an part of the contract. This article discusses the various features of the Indemnity Health Insurance. For the last few decades the indemnity health insurance had been one of the most common health care policies that almost every American had owned. But with the latest developments in the field of health care policy, advanced strides have been taken to formulate more affordable health care policies. Nowadays, any average American prefers to buy a policy that in a systematic and handy way provides the various medical services and at the same time pays for them as well. That is why the new age custom...show more content... Anyone who has an Indemnity Health cover can use the services of any medical practitioner or any other kinds of medical service, only the bill needs to be forwarded to the insurer and the medical costs are instantly reimbursed. Either the policy holder or the medical service provider can forward the bill and the rest of it is taken care of by the insurer. However, for this smooth processing the policy holder is required to have paid the deductible amount before hand. The Indemnity Health Care policies also pay a part of the customary charge that is usually kept reserved for all the covered medical services. The insurance firm pays for as much as 80% of these costs. The policy holder is such circumstances is supposed to coinsure just the 20% of the rest of the cost. In case the medical services used cost more than the allotted customary charges, the policy holder will have to pay both the coinsurance expenses as well as the excess amount, if Get more content on HelpWriting.net
  • 3. Essay On Healthcare In The United States Healthcare in the United States The biggest issue in America is not just hunger, education, and crime– but health care. Perhaps the cause of these other issues, health care is expensive and hard to access. The high cost is tolerated in the belief that more expensive health care leads to better care. This is not true, as studies show that 20% to 30% of patients are issued the wrong treatment or medicine. These medical errors have caused thousands of lives to be lost– at a higher cost. As more Americans are aware of our low ranking in worldwide health care– Japan, Sweden, and Canada making the top three–the need for a nationwide health care reform is much debated. Even with other great countries to mirror we are still hesitant in reforming health care to make it accessible to every American citizen. Although the United States guarantees it's citizens access to fire and police services, protection by military, national postal service, and education as well as many other free federal– and state–funded services they have yet to commit to ensuring them health care coverage. The Affordable Care Act allows affordable healthcare to individuals with low–income–...show more content... Citizens in America obtain healthcare either through an employer, Medicare, or ,for the forty–five million, out–of–pocket. The number one in healthcare, Japan, uses the Bismarck model system– healthcare through insurance. America is almost the same, except the Bismarck insurance insures everyone without making a profit. Japan has more privately owned hospitals than America. This model can be funded several different ways for cost–control. The reason we have not changed our healthcare system is because of federal debt. Half of the health care costs are paid by the government. This debt will be America's downfall, but also the healthcare reform it so desperately Get more content on HelpWriting.net
  • 4. Healthcare in the United States Essay Healthcare in the United States is rooted in the private sector. The private sector directly funds 56% of the expenditures through private health insurance, household expenditures and copays, and other private expenditures. (CMS, 2014) The US healthcare system can thank the private sector for providing much strength such as new diagnostic technologies, innovative treatments and procedures, and dynamism. American hospitals and physicians are regarded internationally as being of high quality. Americans can also be proud that the physician– patient relationship is among the most trusted and valued relationships in the country. By allowing the private sector to take a lead role in the healthcare system, the United States values...show more content... (Elhauge, 2010). Fragmentation leads to duplication of tests and effort. Often, physicians do not have test results and notes from prior treatments. This results in wasteful duplication of efforts. Fragmentation leads to unplanned hospitalizations. Approximately 20% of discharged Medicare patients are re–hospitalized within thirty days. (Jencks, Williams, Coleman, 2009) It is estimated that only 10% of those readmissions are planned. (Jencks, Williams, Coleman, 2009) Patients can receive better continuation of care if their doctors coordinated better, if there was better discharge planning and incentives for providers to control costs after the patient has been discharged. A patient centered medical home (PCMH) could integrate patient care. A patient centered medial home is a team of healthcare providers coming together to improve the health of a specific population. A PCMH is designed to integrate primary care and specialists into improve care coordination, safety and quality.(Stange, et al 2010) A PCMH would also improve physician training and development to provide a commitment to treat the whole patient, rather than just one part.(Stange, et al 2010) Healthcare fragmentation can also be limited through improved communication between providers using e–mail and social media tools such as facebook and twitter. Physicians and hospitals are also paid with a fragmented and confusing mix of public and private payments. In the private sector Get more content on HelpWriting.net
  • 5. Argumentative Essay On Health Insurance Health insurance is a kind of insurance. Medical and surgical fees are always paid by the insured. Medical insurance can reimburse the fee from illness or injury, or pay for health care providers directly, which usually included in the employee benefits package, as a kind of attractive employee quality. (Investopedia.com 2008) Eli Saslow (2011) in the book Ten Letters shows Natoma Canfield's story about health insurance. Though Natoma Canfield's pre–existing condition makes her rejected by nearly all insurance companies and make her live a miserable life, she still wants to have a health insurance. As time goes by, the rate of health insurance fee keeps inflating until she can't pay for the bill. (Saslow, 2011) This kind of example is quite normal in American, which shows the health insurance is one of the essential parts of daily life, especially for those have low income. First of all, one of the most vital factors that we should health insurance is because the...show more content... The government established law to require health insurance company to cover a lot of medical check without copays, which make insurant can always stay healthy and early catch the problems while is easier to solve and less expensive to treat. This also benefits young adults. (Olivero, 2016) Furthermore, sometimes policies change will make people pay extra payments without health insurance. When the government policies changed, the insurance company will also change the policies. While at that time, those without insurance may need to pay a penalty and need to wait to get the coverage. At that time, the insurant may pay extra money which is not worthwhile. (Olivero, 2016) In conclusion, taking health insurance will benefit a lot and convenient insurant in daily life. Only less money can get good treatment, catch the health problem earlier and reduced a lot of expenses which make low–income less Get more content on HelpWriting.net
  • 6. Essay on Health Insurance Plans Health Insurance Plans Premium Insurance is important to everyone in the country. Health insurance covers the certain amount of money to the insured person upon a certain event such as hospitalization and surgery. Commonly health insurance premium buying choices cover a simple resolution in purchasing the private health insurance. The premium is the amount that needs to be satisfied by either the households or the authority to become underwrite. While of career the payment should be affordable, there are many other trials that exigency be respected while makeup one's mind the premium. For employees with higher incomes, there was no relationship between risks and the probability of being insured in any way, but for minor income...show more content... According to (Yiing and Yi, 2012) self–employed respondents are found to acquire more life insurance policies than a professional or white collar employee. Perhaps this is because a professional or a white collar employee may be hooded by his/her organization's group insurance while a self–employed respondent does not enjoy such protection advantages. Therefore, self–employed respondents may need to buy more life insurance policies to alleviate any unforeseen circumstances. The superiority on health insurance policies regularly cover general hospital and professional fees, plus a daily cash allowance for as extend as the employees is warded. The expenses of contributing insurance rely on the identity of the employees. For example year of health insurance policy for 25 years old costs more to purchaser than for middle aged man of 50 stated by (Zeckhauser, 2002). Research by (Mossin, 1968), in an insurance market with complete information, exposure averse employees chooser policies that offer full coverage when insurance is valued actuarially impartial and most insurance policies do not offer full coverage. Research, stated by (Arrow, 1971) found that if the insurance premium relies only on the policy's actuarial value, then employees prefer the policies that give full coverage above a deductible. In perfect market information, coinsurances are either the result of the insurer's risk aversion or nonlinearity in insurance Get more content on HelpWriting.net
  • 7. Why Is The Health Insurance Cost So High? Why is the health insurance cost so high in America(indent paragraph) Living in the United States, there is one essential thing you need to have, which is health insurance. Health insurance is a type of insurance that can covers cost of medical and surgical expenses when you need them. Without health insurance, the cost of one single surgery would be a enormous number. But in the United States, there are about 46 million americans are uninsured. To them, the cost of health insurance is too high. In America, the average cost of health insurance per month is about $328 and the minimum wage per hour in here is $7.25(where cite from?). From here, we can conclude that it is too expensive for those people to get sick. So, is the health insurance cost unjustifiably high? The answer is the highly developed technology, waste of health care budget and the free competitor in the health insurance market, caused health insurance's price to remain so high. Firstly, advances in pharmaceutical is one of the main reasons. Over years, highly development in the pharmaceutical industry have transformed health care into a new form: new management structure and new technology are being used. Many health problems now can be solved by just using prescription drugs. Furthermore, the use of prescription drugs keeps people away from doing surgery and other expenses. However the process of manufacture and development of new drugs require a large amount of money. Drug manufactures spent too much money Get more content on HelpWriting.net
  • 8. How To Write A Health Insurance Essay Health insurance plans can be difficult to understand for people that don't deal with it on a daily basis. Due to the insurance jargon in the policy, all to often people feel like it was written in another language. However, it is very important for you to understand exactly how your policy works and what type of coverage you do have. The last thing you want to happen is to find yourself with medical bills that your plan didn't cover or were higher than you thought they should be because you didn't understand your policy. The most frequently misunderstood parts of the health plan is the deductible and coinsurance. This article will take a look at both. A deductible is the amount of money that you have to pay out of pocket before the health insurance benefits kick in. Generally, this is a yearly amount that must be paid. So, when your insurance renews so does your obligation to pay the deductible. Depending on the insurance policy, the deductible can be assigned on a per person basis (i.e. $1,000 per person) or can be a single deductible for the whole...show more content... This is generally expressed in percentages. For example, once the deductible has been satisfied, the insurance may pay for 80% of a surgery while you are responsible for the other 20%. Do not confuse this with a co–payment. A co–payment is the set amount you pay for minor services like a visit to the doctor. The most common coinsurance split is the 80/20 and many insurance plans have an element of coinsurance built in. For example, after you pay your deductible, you may be required to pay 20% of all services with the health insurance company picking up the rest. Make sure your policy has a maximum coinsurance amount that you are responsible for – this is usually $2000 or $3000 per person with a maximum of two persons in the family. This limits your total out of pocket Get more content on HelpWriting.net
  • 9. Essay On Healthcare Insurance The United States Healthcare system is not a single payer healthcare system (Ridic, 2012). Insurance can be provided through both private and public insurance marketplaces. Private insurance companies include plans such as Managed Care Organizations (MCO's) that are mainly used by employers that want to insure full time employees. There are two types of MCO's called Health Maintenance Organizations (HMO's) and Preferred Provider Organizations (PPO's) (Ridic, 2012). Public insurance companies include plans such as Medicare, Medicaid and CHIP ( (Health Insurance Marketplace). Despite all of the health insurance options, 45 million Americans are living without insurance (Goldman, 2005). Most of the uninsured population is either poor, unemployed ...show more content... The mandatory benefits that Medicaid insurance is federally required to cover include: Inpatient and outpatient hospital services, early and periodic screening, diagnostic and treatment services, nursing facility, home health and physician services, rural health clinic services, laboratorys and x–rays, family planning, nurse midwife, and freestanding birth center services, certified pediatric and family nurse practitioner services, and medical transportation (Goldman, 2005). Along with the mandatory requirements, there is also a list of optional benefits that many states are using to expand Medicaid. These optional benefits include: prescription drugs, physical and occupational therapy, speech, hearing and language disorders, respiratory care, podiatry and optometry, dental, prosthetics and eyeglasses, chiropractic, personal care, hospice and private nursing services (Goldman, 2005). States also have the option to charge premiums and establish out–of–pocket spending for Medicaid enrollees (CMCS, n.d.) These out of pocket costs can include co–payments and deductibles. However, certain groups including children and pregnant women, are exempt from most out of pocket costs. States can also charge a higher co–pay when Medicaid enrolled individuals visit a hospital's emergency room for a non–emergency service (CMCS, Get more content on HelpWriting.net
  • 10. Choosing Health Insurance Choosing health insurance can be a difficult, but it is important to get the right health plan to cover your required medical needs. Talking with your health care physician can help you choose the appropriate plan. It is important to understanding the different formularies to cover medication for any chronic illness. A drug formulary is a list of prescription drugs, both generic and brand name, that are preferred by your health plan. Your health plan may only pay for medications that are on this "preferred" list. Additionally, health plans will only pay for medications that have been approved for sale by the U.S. Food and Drug Administration (FDA) The agency that approves prescription filling in health plans are pharmacy and therapeutics Get more content on HelpWriting.net
  • 11. Essay On Private Health Insurance The United States has no solitary countrywide system of health insurance. Health insurance is obtained in the secluded marketplace or provided by the government to certain crowds. Private health insurance can be bought from numerous for profit commercial insurance companies or from nonprofit insurers. They also offered the Medicare health insurance to seniors and the Medicare for low income families. In my opinion both insurances are worthless. My parents both have Medicare as retirees and their services and coverage is just awful. Why is it that the United States can't take care of our seniors and provide good health care coverage? Seniors like my parents have worked in this country for over 60 or 70 years and don't get the treatment they...show more content... This is country is known as the wealthiest country, if that's the case then I don't think it's fair for the majority of American's to have to filed bankruptcy due to medical bills. All other prosperous democracies offer universal health care to their residents, and I'm sure for less then what U.S. spends. I'm sure doctors want to labor in a health care system that permits them to do their job. That job is to identify and treat disease, and to ease patients according to their best proficient decision. In America, that is pretty progressively tough. Now, the consequences that can lead after providing health care to our residents are many. For example, we have many people that unfortunately take advantage of the system. Let's take the example of a smoking person. Let's say that person spokes two packs a day, and come down with chronic obstructive pulmonary disease. Does that person has the right to have universal insurance? That's an issue that person brought upon themselves. Smokers know what they are consuming and how dangerous it is. We see situation like this all the time here in the states. This is why so many questions come up when deciding whether health care should be a right in the United Get more content on HelpWriting.net
  • 12. Health Insurance Essay The main function for health care financing is to pay for health insurance premium and reimburse health providers for services delivered. Still, there is a crucial challenge when creating health insurance plans, provide coverage for "health care needs without encouraging unnecessary spending." (Maas) Over time, health care financing has been evolving, and now consumers can acquire health insurance through government programs like Medicare, which it is for the elderly, for certain individuals with disabilities and end–stage renal disease. Therefore, any person who meets the requirements can enroll to this program. Also, there is Medicaid, which it is the program for the poor, and Children's Health Insurance Program best known as CHIP, which insure kids who come from low–income families. Nonetheless, there are several types of private insurance like self–insured plans, individual private health insurance, Medigap, and group insurance program, which it is "... a substantial number of people in the group will purchase insurance through its sponsor." (Shi, 2019, p. 224) Further, thanks to the diversity and wide range of health insurance ...show more content... 219) Consequently, moral hazard has a negative impact in health care financing since people are less likely to take care of their health when they have the ease to frequently consult a doctor and use any medical service at any time, therefore with health insurance there is an increase in health care spending, "but the value of this care is less than its cost, generating... loss." (Nyman, 2004) Additionally, since such services are reimbursed to health care providers by health care financing there is a "potential to increase health care costs." (Thoma, Get more content on HelpWriting.net
  • 13. Health Insurance Related Career Essay Directions: Choose a possible health insurance related career and explain the education and training requirements that accompany this specific position. Use Word to write a one–page essay on how these requirements relate to the responsibilities of that position. Medical Billing and Insurance Verifications Specialists My Health Insurance related career that I chose to do my essay on would be the Medical Billing and Insurance Verifications Specialists. These specialists contact the patient's insurance company to verify their insurance coverage and to help the patient have better education of their benefits information. They are set to work in facilities such as hospitals, doctor's offices, and clinics. The education that is required for this Get more content on HelpWriting.net
  • 14. Health Insurance Essay example HistoryAetna, Inc. is an American health insurance company, which is the direct descendant of Aetna (Fire) Insurance Company, of Hartford, Connecticut. In 1850 Aetna began operation of an Annuity Fund and the company would soon to be known as Aetna Life Insurance Company. In 1899 Aetna became one of the first publicly held insurance companies to enter the health insurance field. Since then Aetna has become committed to providing access to cost–effective health care of the highest possible standard, to protect people against health–related risks and enable them to achieve both good health and financial security. Aetna has provided such products and services for 150 years, and has the ability to be a leader in building a strong and effective...show more content... Access to Care: We provide our members access to cost–effective high–quality health care while accurately predicating and managing medical costs. Claims and Billing: We achieve timely and accurate claims payments and premium billing and collection. Productivity: We pursue continuous productive and process improvement. Service: We work together effectively cross the organization to give our customers quality service. Information: We provide objective information to help our members make informed decisions about heir financial and health care needs. Integrity: Achieve financial and operational integrity through clear, prompt and reliable information that accurately reflects our financial and operational performance. Rewards: We appreciate effort but we recognize and reward employees for achieving business results. Satisfaction: We deliver superior customer satisfaction. Porters Five Forces of Competition framework views the profitability of an industry as determined by the five forces of competitive pressure. As described below, only high competitive rivalry detracts from the attractiveness of the health insurance industry for firms currently in the business. Threat of Entry (Low) Entry into the health insurance industry is blocked by high economies of scale, high capital requirements, and high government and Get more content on HelpWriting.net
  • 15. Health Insurance Essay Examples With the examples we had done with the I–Clicker polls the last example of buying health insurance lead me to vote different from the other examples. I'm siding more with having to buy health insurance with the majority of people whom as well agree. Switching over to the National Guard to mainly complete schooling, I had needed to pick up Tricare–Select being that if an injury occurs while I am drilling with the guard the military will take care of it. They could either take care of it on a military base or have me go to a civilian provider that accepts Tricare. With the military being my first job I didn't experience or learn that once I got out due to the nature of my injury I was looking at a total of $21,000+ for surgery. Having insurance did help lower it down to over $3,000 in which I had to pay to get the surgery. The upside of at the time having a full time job, yet making like over 20k a year isn't much to write home, I was able to by an insurance plan my university to be covered for that semester upcoming while still living comfortably money wise. Which lead me to get a referral to a go see a doctor that specialized in my injury and got the surgery, however I than ran into this issue. Now being a full time college student not working a full time job I did run into...show more content... In some cases, paying self–pay to pay for an x–ray or a doctor's visit is likely doable. Just if you have to pay in full a surgery or MRI both of them for example are pricey. Thus having insurance there can easily reduce the price. If you are fortunate maybe your employer will back pay you for the costs being that they don't take care of it in the first place. I am hoping that this will happen with active duty repaying me for their mess up by letting me get out of the military injured and no attempt to be Get more content on HelpWriting.net
  • 16. Comparison Essay On Health Insurance Health insurance is very important to everyone in our society, because it help give everyone a since of peace. When an individual is sick worrying about how to pay for healthcare services can add additional burden to the individual who and family is sick. Where there you are employed or unemployed it is a great benefit to have health insurance coverage, healthcare services is on the rise and the lack of not having a way to pay for such services can be of great disadvantage for an individual to take good care of their health. There are several health insurance company one can purchased insurance coverage from, however I have researched two of the major health insurance carriers in which I was able to compare the costs of covering healthcare services. BCBS of North Carolina and Medicaid of North Carolina are both great health insurance carriers in my opinion. Blue Cross Blue Shields of North Carolina base on their coverage benefits have several options but the plans that is most appealing to me is the traditional plan 70/30, and the enhances plan 80/30. The 70/30 plan covers routine physical exams, routine hearing evaluation, immunization, Gynecological e exams (including cervical cancer screening),...show more content... Rodriguez would benefit more with having Medicaid as insurance provider because it is funded by the state and it is for free. Medicaid would cover all her medical expenses 100%, Mandatory benefits would cover impatient hospital services, outpatient hospital services, EPSDT (early and periodic screening, diagnostic and treatment services). Medicaid also covers physician services, home health services, rural health clinic services and nursing home services. Medicaid also has some prescription drugs benefits, clinic services, dental services to least a few. Medicaid is a much better insurance for Ms. Rodriguez, because with her low income she doesn't have to worry about pay a high deductible for healthcare services and for her insulins that would be covered for Get more content on HelpWriting.net
  • 17. Health Insurance Essay Education, Minimum Wage and Health Insurance Should an individual's ability to learn something determine the environment and class group they are put in? There are so many view that could be described from the previous question. The view point I will explore today is the individuals who have special education class. These individuals most of the time have a lack of pursuit of happiness, liberty, and life, Dalun Zhang of Texas A&M University discussed that's the idea of self–determination. Parents in today's society don't push their children with disabilities to make a choice, include them in chores, most parents don't even make their children set goals. How can they learn self–determination if they are not being pushed and parents are allowing...show more content... The individual when filing taxes at the beginning of the year has to pay a penalty for all the months they are not insured. Previous cost rates were $695.00 per person up to $2000.00 depending on how much income the person has (healthcare.gov). Most individuals who are a part of the working class has a hard time getting health insurance due to the lack of money. Pursuit of happiness is a big factor that is effected by the issue. People go to work and work hard just for the government to figure out another way to take more money from the working class. Most working people don't have the option to decline health insurance. Why should hard working people have to pay for coverage while others living off government assistance get the benefit of having insurance for free and don't have to worry about the tax penalty. The thought of minimum wage going up seems like it would be a wonderful idea but would it? Minimum wage increase would possibly cost a decline in employment. An increase in minimum wage could cause businesses to lower the amount of employees they have. Interviews with small business owners have shown what could be the outcome of minimum wage going up. "But some opponents have said the minimum wage issue should be handled by the Legislature and that businesses in rural communities may be forced to lay off employees, or worse, shut down, as a result of the increased wages." (Coral Get more content on HelpWriting.net
  • 18. History of Health Insurance Essay Healthcare didn't always exist in the United States. Before the 1920's, most people didn't have health coverage. Most people were treated at home and hardly anyone, except a few large employers offered healthcare. Everyone else paid out of pocket. As the population shifted from rural areas to urban centers, families lived in smaller homes with less room to care for sick family members (Faulkner 1960, p. 509). Increasing requirements for licensing and accreditation, in addition to a rising demand for medical care, eventually led to rising costs. By the end of 1920s, there was an increased demand for medical care and the costs of medical care increased. During the time of the Great Depression and after, medical service plans grew. In the...show more content... Also, a lack of insurance is a huge financial burden for individuals and their families. Lack of health insurance has social consequences, as well. Some diseases are highly contagious and can be spread easily to family members, friends, colleagues, co–workers and others, one may come in contact with. With health insurance, these contagious diseases can be contained and cured or treated more quickly and cost–effectively. People without health insurance have limited, reduced access to services of preventive care, like cancer screening. Moreover, the benefits of expanding coverage outweigh the costs for added services. [4] Safety–net care from hospitals and clinics improves access to care but does not fully substitute for health insurance. These findings are supported by much research, although some cautions are appropriate in using these results. People with health insurance are protected against uncertain and high medical expenses and are more likely to receive needed and appropriate health care. In addition, having health insurance is associated with improved health outcomes and lower mortality, so employees with health insurance are more likely to be productive workers. You do not pay income tax on health insurance benefits so it is more valuable per dollar than the same amount in taxable pay. [5] How Health Insurance Works Companies provide employees with health insurance and health care benefits. What happens is Get more content on HelpWriting.net
  • 19. Essay On Health Care Insurance Three Major Cancers to be Covered by Insurance in Dubai in 2018 The health insurance industry in United Arab Emirates (UAE) has change dramatically in the past few years. The authorities moved to a mandatory health insurance coverage and a new initiative has increased the coverage and care people can expect from their insurance packages. The Dubai Health Authority (DHA) announced at the start of December that it's planning to launch a new initiative called Basmah. The initiative would mean that basic benefit plan of the mandatory health insurance scheme would cover screening and treatment of three major cancers. Anyone with the Essential Basic Package (EBP) would be entitled to the spectrum of care. Prior to this decision, the funding...show more content... At the same time, many cancers have seen survival rates increase rapidly in recent decades. All the three cancers that are part of the initiative are considered curable cancers these days. These cancers aren't an automatic death sentence in the modern world – however, early detection is the key. Therefore, the initiative with its strict screening guidelines can help in ensuring early detection takes place and survival rates in the region continue to climb up. The basic health insurance package will provide cover for the following cancers: Breast cancer Breast cancer is a problem in the region with studies showing women get it 10 years earlier in Dubai than it other parts of the world. The treatment often involves a procedure called mastectomy, which removes the breast tissue and any cancerous tissue to stop spreading. Breast cancer is a major cancer amongst women, although its survival rates have drastically improved in recent years. Cervical cancer Cervical cancer is the second major cancer in UAE and it is the seventh cause of death in the region. Among women, the worldwide statistics suggest it is the fourth most common cancer. Studies have predicted the cancer to increase by 25% in next 10 years so screening will be key to ensuring the cancer doesn't become a major killer. Colorectal cancer Another common cancer in the region is colorectal cancer. While the survival rates in Dubai can range from 80% to 92%, its
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  • 21. Persuasive Essay On Health Insurance It was 2008, and I had just arrived in Michigan from Pakistan. After some months, I noticed that I was having trouble breathing, but I did not have any health insurance at that time. I went to a doctor from India, so he could speak my native language, Urdu. He diagnosed that I had an asthma attack. He gave me some medicine and told me "If you think you are going to die then die, but don't go hospital without insurance." Expensive medical treatments, general health check–ups and prescription become more accessible with health insurance plans. A strong physical condition is very important to be successful in life for everyone, but there are some problems with health coverage: Insurance is very expensive; it is only available through some jobs, Affordable Care Act or Medicaid. The increasing cost of health care is causing a burden to people in the United States and benefits are becoming more limited. It is not only difficult to get the health insurance, but also to keep it. There is a big problem, however; not every company has benefits of health insurance. Some big companies and government–based employment provides health coverage for their employees, which is a reason many full–time workers are able to get health insurance from their work, but many people work part–time jobs, which do not offer health insurance. Even people have a Medicaid or Affordable Care Act plan but they still have to pay the high copays and bills. To achieve a healthy life, people should have access the Get more content on HelpWriting.net