...to be the best applicant for the open boat mechanic job. (Spencer, C.S. 2014) The purpose of this paper is to analyze the options for John and Liza from all angles. There are many issues in this case such as legal implications, ethical, and addressing it from a pure business standpoint. To illustrate the choices that John and Liza have let’s consider a hypothetical scenario that John and Liza employs 6 employees full time and Robert would be the 7th. Currently the company offers health care benefits paying 100% of premiums at an average cost of $5,000 per employee. OPTION 1 The company could continue to absorb the costs of the health insurance premium and do nothing. * At an estimated cost of $7,000 per employee, the company would have to absorb the full $49,000 cost or pass along part of the cost to its employees or customers. OPTION 2 The company could encourage the men to quit smoking and provide incentives for them to quit. One way to work through this is to offer sickness insurance. The main goals of the Affordable Care Act are numerous. One of the intended outcomes included – Prevention & Wellness. There are significant components of the legislation which provides incentives to provide for wellness and preventive medicine. (Summary of Affordable Care Act, April 2013) OPTION 3 They could ask the smokers to...
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...How Does Your Business Fair? (The Impact of Affordable Care Act on Small Business) On March 23, 2010 President Obama signed into law the comprehensive health reform known as the Patient Protection and Affordable Care Act informally known as Affordable Care Act. According to the Executive Office of the President, Council of Economic Advisors (EOP/CEA), “the key goals of health care reform is to reduce the growth rate of costs while maintaining choice of doctors and health plans and assuring quality, affordable health care for all Americans.” (The Economic Case for Health Care Reform, June 2009) The ACA is created to improve the overall quality of health care delivery and its’ systems while adding new consumer protections. In the ACA there is a clause known as the individual mandate. This mandate requires most U.S. citizens and legal residents to obtain qualifying health care insurance coverage, and if not will be required to pay a tax penalty. Effective January 1, 2014 employers with fifty or more employees that do not provide affordable health coverage will receive an assessment where for those businesses with less than fifty employees are exempt. States have created health benefit exchanges for individuals and small businesses through which health coverage can be purchased at affordable prices. The Department of Health and Human Services (HHS) published several fact sheets and brochures highlighting what the ACA means for large and small businesses, individuals...
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...Henry DeVry University The Patient Protection and Affordable Care Act Analysis Paper Professor: Dr. Devin December, 15th, 2013 TABLE OF CONTENTS Title: “The Patient Protection and Affordable Care Act Analysis Paper” I. Introduction A. History/Background II. Quality, Affordable Health Care For All Americas B. Immediate Improvements in Health Care Coverage for All Americans a. Amendments to the Public Health Service b. improving coverage i. Prohibition on rescissions ii. Extension of dependent coverage III. Immediate Actions to Preserve and Expand Coverage a. Immediate access to insurance for uninsured individuals with a preexisting condition. b. Reinsurance for early retirees IV. general reform c. Fair health insurance premiums d. Guaranteed availability of coverage V. Consumer Choices and Insurance Competition Through Health Benefit Exchanges e. Affordable choices of health benefit plans f. Consumer choice VI. The Legislation The Patient Protection and Affordable Care Act Analysis Paper Back on March 30, 2010 president Barrack Obama signed The Patient Protection and Affordable Care Act (PPACA) since it had been approved by the house on March 21, 2010. It was a great step in the direction of safeguarding healthcare for all the individuals and family of the USA regardless of whether they are insured or not. There are several types of classes of people that live...
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...The Affordable Care Act The Legal Environment of Business September 14th, 2014 Copyright 2014 The Affordable Care Act The Affordable Care Act also called “Obamacare” which was signed by President Barack Obama in 2010. The Affordable Care Act is about the new health insurance, which aims to cover everyone in the United States. “Under the Affordable Care Act, the Federal government, State governments, insurers, employers, and individuals are given shared responsibility to reform and improve the availability, quality, and affordability of health insurance coverage in the United States.” (Reyes, 2013) This article concludes five specific provisions of the Affordable Care Act about improving the quality and efficiency of health care. After that, three regulations based on the Affordable Care Act will be discussed. Finally, the Constitutionality of the ACA will be discussed as it refers to two landmark cases. Five Provisions of the ACA There are many provisions in Affordable Care Act, and all the provisions I choose are from title III—improve the quality and efficiency of health care. In my opinion, the most important factors of health care are the quality and efficiency which are indispensable in the Affordable Care Act. My choices are about the data collection from the patient and privacy protection, the performance report, the treatment for cancer hospitals, prescription drug’s benefit and risk, and guarantee benefit for Medicare. Provision 1. SEC. 399II [42 U...
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...Patient Protection and Affordable Care Act Diana Gonzalez Perez Florida International University Introduction The Patient Protection and Affordable Care Act (PPACA) was signed into law on March 23, 2010 by President Barack Obama. The PPACA was enacted to address the lack of quality health care delivery to the 49 million uninsured Americans, a number which has grown with the slow economic growth our country is experiencing (Rattue, 2011). As part of this legislation there are ten provisions, all which are important to comprehensive healthcare reform. Each provision addresses specific functions of the current healthcare delivery system including insurance, reimbursement, medications, and taxes. In this paper, specific provisions of the PPACA will be discussed as well as the legal implications of the legislation. Provisions The PPACA has ten provisions which supply legal guidance for the health care reforms expected to take place from 2010-2014. These provisions will continue to affect the Nation as healthcare continues to evolve. Title I. The quality, affordable health care for all Americans provision includes subtitles A-F. Title I sets the basic guidelines required to implement the PPACA legislation. Subtitle A. Subtitle A sets specific guidelines to be followed by health plans including the prohibition of establishing lifetime limits or annual limits for any participant or beneficiary after January 1, 2014, but permits a restricted annual limit for plans...
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...Running head: THE AFFORDABLE CARE ACT The Affordable Care Act, Is it Really Working? Saint Leo University THE AFFORDABLE CARE ACT 2 Abstract On the 23rd of March 2010, President Barack Obama signed a monumental bill into law. That bill was the Affordable Care Act, better known as Obamacare by those who opposed the law. The purpose of this law is to make health insurance affordable for those who have little or no health insurance coverage. In 2012 nearly 15% of the U.S. population had no health insurance during most of the calendar year (www.aier.org). So if the purpose of this law is to better ourselves by providing health insurance why are there so many people opposing it? You would think in the land of milk and honey you would want people to be healthier and long living. Or is the reason because the big health insurance companies feel they are having food taking out of their mouths and the mouths of their supporters. THE AFFORDABLE CARE ACT 3 The Affordable Care Act was signed into law to reform the health care industry on the March 23rd 2010 by President Obama. The Affordable Care Act was a major topic during the 2008 Presidential primaries. The goal for the Affordable Care Act was to give more American access to affordable health insurance which in turn...
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...HOBBY LOBBY VS. THE AFFORDABLE CARE ACT Leonila Gonzalez oUR LADY OF THE LAKE UNIVERSITY HOBBY LOBBY VS. THE AFFORDABLE CARE ACT Leonila Gonzalez oUR LADY OF THE LAKE UNIVERSITY Businesses can be affected by many laws and mandates that are set by the state or federal government. It can be difficult for a small firm to stay in business when such mandates are passed. The Affordable Care Act was signed into law by President Obama on Mach 23, 2010. Key components to the law are improving quality and health care costs, new consumer protections and access to healthcare, and mandating that all firms provided insurance for their employees. Small Business Tax credits were also included as an incentive and a way to reduce cost for the smaller firms. (Human Health Services, 2014) In order for a firm to be exempt from providing insurance to its employees they had to be classified as a non-profit organization or a Church. A businesses classification will give them exemptions for example a non-profit organization. A non-profit organization can be defined as “an incorporated organization which exists for educational or charitable reasons, and from which its shareholders or trustees do not benefit financially” (Investor Words, 2014). Because of the mandates of the Affordable Care Act, it is now in the center of litigation in which a for-profit organization is asking for exemptions from providing women health care, contraceptives, due to the owner’s religious belief. (Reese...
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...The future of Health Care in the United States is more uncertain than at any other time in the past fifty years. This new uncertainty was created by the U.S.Supreme Court’s decision to receive a challenge to the Affordable Care Act (ACA), known by most as Obamacare. If you missed it, the oral arguments on the case were presented before the Court in an historic three days of hearings March 26-28. These were preceded by many briefs submitted to the Court from a broad spectrum of organizations. All of this information is available in the public domain. A detailed analysis of each day of the hearings may be found at healthaffairs.org.blog. A decision from the Court is expected in late June. There is no certainty about how the Court will rule in the case before it. There are widely divergent speculations which are interesting to read, for sure. This is usual and customary. On the other hand, there is a difference this time. The entire healthcare system is likely to be impacted, many millions of citizens will feel it, and the political races from coast to coast are expected to react regardless of the outcome. There is one certainty. The Justices of the Supreme Court have more power to influence the direction and content of how health care is provided and paid for than at any time in contemporary history with the possible exception of the era when Medicare and Medicaid were enacted in the mid 1960s. The Court’s decision will likely have substantial impact regardless of the decision...
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...be available for people with chronic health issues. Upon the start of this course my boyfriend’s son got sick. It wasn’t the first time that he’d gotten that sick because he has Sickle Cell Anemia. His deductible was high and he had lots of out of pocket expenses once the hospital stay lasted longer than expected. I began doing research on Hospital Income policies wondering if he would be eligible. Since I work for State Farm, I called a friend in Underwriting and was told that he was ineligible due to his preexisting condition. This was when I started comparing Hospital Income (HI) to the Affordable Care Act (ACA) wondering when all insurance will be on the same accord. What good is it when the people that need it most cannot use it? Where the curiosity originated? In the past two years I have become more educated on insurance products. Since I am pursuing a degree in Health Care quite naturally I was drawn to Health Insurance. An opportunity presented itself in a State Farm Agent’s office so I transitioned from sales to a more in depth position, which gave me the opportunity to expand upon my understanding of health products. Hospital Income was the first product that my new Agent taught me. This was where I was shown the statistical data behind why parents buy HI and why people do not buy it until it is too late. This curiosity lead to me purchasing a policy for my daughter and myself and pivoting to HI each time it was appropriate. Basis for my research Although there...
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...| Affordable Care Act vs The Invincibles | | Affordable Care Act signed. Excitement. Gets on webpage. Sees prices. Exits webpage. These are motions made by many young adults between 19 and 29 took upon realizing that it was now mandatory that every American adult sign up for a health insurance plan. On March 23, 2010, young adults, including the writer, thought they were finally getting a break from the government when President Obama signed his new health reform act. Little was known how much this generation was actually considered before the president signed off their continued demise. Young adults were sold a dream of affordable health plans that could fit within their tight budgets, but with reality in front of them, they must face either being penalized for the 2014 tax year or pinch their pennies and pay the premium throughout the year. Promoters of the Affordable Care Act are now facing the challenge of getting this group to sign up for insurance. But many ask why they didn’t consider the pockets of young adults before the current administration made the decision for them. What does the Affordable Care Act or “Obamacare” entail? It offers provisions to expand coverage, control health care costs, and improve the health care delivery system. “The act requires most U.S. citizens and legal residents to have health insurance. It also requires employers to pay penalties for employees who receive tax credits for health insurance through an Exchange, with exceptions...
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...Policy Analysis Paper The fate of uninsured Veterans: A policy Analysis University of Mississippi Medical Center School of Nursing Define the problem and assemble the evidence Too many Veterans in the United States lack health insurance and are ineligible to receive care provided by the Veteran’s Health Administration. According to American Community Survey (ACS) conducted in 2010, one in 10 of the nation’s 12.5 million veterans under the age of 65 is uninsured. A veteran is defined by federal law as any person who served for any length of time in any military service branch. Contrary to the presumption of most, not all veterans qualify for free healthcare through the Department of Veteran Affairs. The Veterans Health Administration (VHA) operates as a branch of the Department of Veterans Affairs and is the largest health system in the nation. It is recognized for its commitment to providing high-quality population specific healthcare. The VHA also works closely with academic medical centers across the nation. Haley and Kenney (2012) identify eligibility for health care provided by the VHA as being on veteran status, service-connected disabilities and income level. Other factors include demographic location and cost sharing requirements. Health insurance coverage for veterans as with other groups of nonelderly adults has heavy dependence on access to employer sponsored insurance (ESI) and the costs of obtaining it. It must also be considered that the majority of...
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...Evolving Practice of Nursing and Patient Care Delivery Models The Speech Hello, my fello nurses. Thank you for being here at the Summit of Nursing Evolution. My name is Chhay Yann-Ly and I am a nurse. We are living in an era where the United States (US) health care system is going through tremendous changes and challenges, with sky-rocketing health care costs, fragmented and poor quality of care, high volume of aging population, and passage of the Patient Protection and Affordable Care Act (PPACA) in 2010. A summary of the PPACA is basically to improve the health care delivery system, expand coverage, and control cost (Democratics Senate Gov/Reform, n. d.). With these changes, comes the evolutionary nursing professional transformation process. This speech is a crash course on the evolving practice of nursing and patient care delivery models. The goal of this speech is to discuss the continuity or continuum of care in relation to accountable care organizations, medical homes, and nurse-managed clinics health care models. Since nursing is the backbone of health care, all of these care delivery models require a robust nursing contribution for success (American Nurses Association (ANA), 2010). The first model is the accountable care organizations (ACO). ACOs is a “shared savings” with Medicare (part A & B). The ACO, according to the ANA (2010), is “a collaboration among primary care clinicians, a hospital, specialists and other health professionals who accept joint responsibility...
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...Legal Methods and Process The Affordable Care Act ensures your right to appeal health insurance plan decisions which is when you ask that your plan to reconsider its decision to deny payment for a service or treatment. New rules that apply to health plans created after March 23, 2010 spell out how your plan must handle your appeal (usually called an “internal appeal”). If your plan still denies payment after considering your appeal, the law permits you to have an independent review organization decide whether to uphold or overturn the plan’s decision. This final check is often referred to as an “external review.” Many states offer help to consumers with health insurance problems. The Affordable Care Act improves these services with grants that help states start or strengthen Consumer Assistance Programs (CAPs). The states and territories that applied for these grants have received funds provide residents direct help with problems or questions about health coverage. Whether or not your state has a Consumer Assistance Program, you have rights under the health care law, including the right to appeal decisions made by your health insurance provider. If your state does not have a Consumer Assistance Program, some state and federal government offices may still be able to help you determine your rights and solve problems. Florida does not operate a Consumer Assistance Program under the Affordable Care Act. The new consumer protections and benefits of the law still...
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...Case Study: Assessment on Health Care Politics and Policy Brittani Cornett Health Care Policy 3200 Professor Walpole November 16, 2013 The overwhelming majority of Americans agree that reform of our healthcare system is necessary; however, the debate continues to rage over the specific type of reform we need. With the health care reform more people will gain health insurance, coverage will be more affordable, and people will have access to the health services they need. These provisions will improve the lives of millions of Americans and give them the peace of mind that comes with knowing that they have coverage no matter what. Prior to the Patient Protection and Affordable Care Act was passed, the Democrats and Republicans had not been able to compromise on a deal. Subsequently, President Obama and House Republicans failed to reach an agreement on a plan that would extend the nation's debt limit. This paper will evaluate two consequences involved in policymaking of health care reform; the committee involved, and the reasons the House will not come to an agreement in efforts towards health care reform. On March 23, 2010 the Affordable Health Care Act became a law. This meant that insurance companies would no longer stand between consumers and their healthcare providers. They could no longer dictate what services would be limited, and the need for seeking approval before receiving emergency...
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...Organizational Responsibility and Current Health Care Issues Patient Protection and Affordable Care Act (PPACA) Health Law and Ethics Patient Protection And Affordable Care Act History “After the enactment of the Affordable Care Act (ACA) in March 2010, numerous lawsuits challenging various provisions of the momentous health care reform law were filed in the federal courts. Many of those cases were dismissed, but some federal appellate courts issued decisions on the merits of the law. In November 2011, the United States Supreme Court agreed to consider several issues related to the constitutionality of the ACA arising out of two cases in the 11th Circuit Court of Appeals” (The Henry J Kaiser Family Foundation). Headline news featured the highly controversial Patient Protection and Affordable Care Act (PPACA), also referred to as Obamacare, during the week of 25-June-2012. In response to health care crises in the United States, PPACA advanced to the forefront. “[W]e must also address the crushing cost of health care. This is a cost that now causes a bankruptcy in America every thirty seconds. By the end of the year, it could cause 1.5 million Americans to lose their homes. In the last eight years, premiums have grown four times faster than wages. And in each of these years, one million more Americans have lost their health insurance. It is one of the major reasons why small businesses close their doors and corporations ship jobs overseas. And...
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