A Brief Note On Health Insurance And Insurance Essay Words | 8 Pages. While on the topic of insurance, I will also need to start putting diverting some of my income to cover health insurance, possibly disability insurance and even life insurance. I currently have an HMO plan through Blue Cross Blue Shield of TX and the rates are astronomical 落Health Insurance Research Paper >> Business plan writing services. Writing essays services⭐ Cheap Essay Writing Service - Canadian essay writers⭐ Germany / Accounting homework helper⚡ Dissertation Writing Services in UAE Dubai, AbuDhabi, Sharjah, UK, USA, Australia, Singapore, India, Qatar, KSA, HongKong · Health insurance is a type of insurance coverage that typically pays for medical, surgical, prescription drug and sometimes dental expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly
Health Insurance Essay Examples - Free Research Papers on blogger.com
Health Insurance in the U. Actually health insurance has asserted itself through the ever-increasing number of customers seeking for these services as well as through advertisements, health insurance essay. The new customers tend to share information on the benefits of health insurance with their friends.
This in turn results in the increase in the number of customers seeking for health insurance as the shared information continues to shape public opinion. Types of Health Insurance in the U. The three main types of these insurance plans are fee-for-service or indemnity health insurance essay, Health Maintenance Organizations, and Preferred Provider Organizations.
In addition to being the traditional type of health insurance, the fee-for-service or…. References: Ahmad, M. html "Basic Health insurance essay of Managed Care -- HMO, health insurance essay, PPO, POS. Health Insurance Portability and Accountability Act HIPAA Discuss whether there has been a violation of Health Insurance Portability and Accountability Act HIPAA? There are no court rulings that can shed light on the issue. However going by the given facts, it is as follows: "Dr.
Williams shows Joan's medical records to a friend for advice. His friend tells Dr. Williams to contact his medical malpractice insurance carrier. The issue is not clear. It is assumed that the friend is also a medical practitioner.
In that case Williams can take a stand that there has been no violation of the act if the doctor passed on the information for consultation purposes, and this is very clear from section 45 CF References Chaikind, Hinda R. Krause, Joan H. What this in essence means is health insurance essay the patient would not be able to choose health insurance essay own brands of medication; he must only buy what the committee has recommended, otherwise, he would lose out on his health insurance payments.
A woman who faced a problem similar to that mentioned above talks about her experience as a diabetic. She said that when the health insurance company stated that they would be able to pay for a higher priced drug to control diabetes, than the one that the committee recommended, she argued and fought it out with the company, until, health insurance essay, eventually, they agreed, albeit reluctantly, to pay for the higher priced drug 'Glucophage.
Accessed 24 July, However, third-party payer systems became more popular with the increased bureaucratization of healthcare, particularly with the health insurance essay of HMOs and their complex paperwork for referrals. The use of third-party payers means "the processing of payments for insurance and other duties are handled" by another agency that is responsible for collecting premium payments and issuing reimbursements Easey It has been alleged that the use of such third parties means that individuals not well-versed in medical needs are making decisions about when reimbursements are valid regarding treatment and care, and are often looking for reasons not to pay for care, rather than to provide customers with the medical services they require as patients.
It also creates another level of red tape between the patient and his or her doctor and insurance provider. An example of such an abuse might be an individual denied coverage because of forgetting to disclose a relatively….
References Easey, Cameron. Define third-party health insurance. html Healthcare: How much does the federal government spend? The Brookings Institution. cfm The Health Insurance Portability Act of Healthy Connections Kids HCK is a non-Medicaid administered care program for children up to age nineteen in South Carolina, who do not health insurance essay other insurance coverage and whose family unit earnings is less than two hundred percent of the federal poverty limit, health insurance essay.
HCK benefits are founded on the state health plan benefits. Kids covered under this program must be enrolled in one of the Managed Care Organizations MCO's who provide HCK coverage. Dental care is billed to Medicaid, but claims for all other HCK services must be filed with the MCO SC Healthy Connections Kids SCHIPn. Healthy Connections Kids is for uninsured kids up to age nineteen with family wages larger than one hundred and fifty percent but less than or equal to two hundred percent of the Federal Poverty Level.
They must have possessions valued at or below thirty thousand dollars. The insurance is founded on the health…. Health Insurance Costs Perhaps it is simply that we all need a few good villains in our life, and with the Cold War health insurance essay over we must look closer to home to find our bad guys. Or perhaps it is simply that there is a great deal of villainy in society, that in fact society is nothing more than an evolutionary process of ever-more sophisticated forms of villainy.
Either explanation might do to explain the rise of the health maintenance organization as a pervasive element of American society as a primary reason that the quality of health care continues to decline even as health care costs continue to rise in this country.
This paper examines the relationship between HMOs and other forms of health insurance and the rising cost of American healthcare, using the area of organ donation as a means of illustrating the complexities of the issue and the…. References Florman, S. Dobson, health insurance essay, R.
html Martin, health insurance essay, P. Some of the other benefits of the NHI include the fact that contributions are payroll - related and, of course, as previously mentioned, the fact that the contributions are shared between the three main actors: the employer, the employee and the government. However, we should health insurance essay mention that this should be related to the level of salaries in the public and private sectors.
Obviously, the salary package is almost always determined by the motivating elements that the employee is likely to include in the package. Bibliography 1. Andrew T. Huang, Chih-Hung Jason Wang, and Chih-Liang Yaung. Insuring Taiwan's health. The McKinsey Quarterly. Lu, Rachel. Does Universal Health Insurance Make Health Care Unaffordable? Lessons From Taiwan. Gross, Ames, health insurance essay. Taiwan's New Universal Health Insurance Program.
Pacific Bridge Medical - Taiwan Medical Publications. May htm Andrew T. Health Insurance There are many good reasons to have health insurance, and among those reasons is the fact that there is a tremendous financial risk that is linked to "unanticipated adverse health events," according to an article in the Journal of Health Economics McLaughlin, et al.
Health insurance not only helps the person that is ill or has been in an accident to get healthy again, it prevents -- at least in many cases it prevents -- financial calamity. The U. Department of Health and Human Services HHS has come out with a report that shows most families that cannot afford health insurance do not have the "financial assets to pay the hospital bills they would incur if a family member were to be hospitalized" Glied,p.
In fact the HHS report reflects the fact that the majority of uninsured families have "virtually no savings or investments"…. Works Cited Glied, health insurance essay, Sherry.
The Value of Health Insurance. McLaughlin, health insurance essay, C. Health Insurance: Economic and Risk Aspects. Journal of Health Economics, 11 3 Health Insurance Plans There seem to be three basic health insurance categories. They are generally called Fee-for-Service, anaged Care or Health Saving plans, though some call them by other names.
The fee-for-service plan is what many people consider the traditional type of insurance. Like automobile insurance, people choose the cover they want and pay the price for those services.
Often health care providers just take this insurance and the company pays after a deductible or co-pay, which are amounts to be paid at the time of service usually a relatively small amount, health insurance essay. anaged Care is a newer type that essentially relies on the insurance companies having some type of agreement with doctors, hospitals and other care providers.
Those who join a managed care program health insurance essay choices from these services and negotiated amounts are paid to the provider for very health insurance essay services or types of treatment. In some cases, there are…. Health insurance essay CARE TYPES: There are three kinds of Managed Care plans: HMOs, PPOs and POSs.
Health Maintenance Organizations are popular because they save money by having large numbers of people who share costs. Their focus is often on preventive care, trying to keep health problems from developing or getting worse. Doctors and hospitals agree to accept certain fees and co-pays. They often restrict the procedures. Cost savings is very important with HMOs. Preferred Provider Organizations are similar to HMOs but usually cost more but offer more flexibility, at least within the network of doctors and hospitals they arrange.
These types of programs usually allow people to go outside of the network if needed but it can cost higher service fees to do this. Sometimes specialist services can be included if health insurance essay needs a particular type of care, health insurance essay. Point of Sale options are a final type.
They are a hybrid of HMOs and PPOs. A primary doctor has to be identified and he or she determines what care can be received and where. With his or her authorization, health insurance essay, the patient can go to other caregivers as needed though fees may again be higher. It seems that this option was a way to confirm that medical treatment, not just cost management was still important.
MEDICARE AND MEDICAID: Medicare and Medicaid are government options for care for poor and elderly people, health insurance essay. They have care that is offered like regular insurance and some managed care options, health insurance essay.
The managed care elements were added with the growth of this option for others.
189 Should government pay fpr healthcare and education Discuss
, time: 6:00Health Insurance Research Paper✏️ . Custom papers writing
existing research on health care and health insurance, and I am grateful for their encouragement and feedback. And I doubt there exists a better mentor, in health economics or any social science, than Catherine McLaughlin, my coauthor on the second chapter of this volume; for taking a chance on an unfunded first-year gradAuthor: Matthew S. Rutledge · Health insurance is a type of insurance coverage that typically pays for medical, surgical, prescription drug and sometimes dental expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly 落Health Insurance Research Paper >> Business plan writing services. Writing essays services⭐ Cheap Essay Writing Service - Canadian essay writers⭐ Germany / Accounting homework helper⚡ Dissertation Writing Services in UAE Dubai, AbuDhabi, Sharjah, UK, USA, Australia, Singapore, India, Qatar, KSA, HongKong
No comments:
Post a Comment