... When you think of working people being uninsured, most will think that it must be a stressful and unfortunate situation for that person. However, it has an effect on everyone across the board, not just the uninsured. Employers, hospitals, and physicians are also affected by the uninsured working class. There is an impact, on some level, to cost, quality, and access for all involved. This case study’s issue based on the topic/content area/change, working people being uninsured not only has an impact on their personal lives but also on businesses and the health care industry. Financials issues begin to arise for the uninsured person and their family, as well as, productivity decreases for businesses when their employees are out sick or working while ill. If employers offered even a small amount of health coverage, or perhaps informed staff of outside options for health coverage, they have a greater chance of ensuring the productivity of their employees, avoiding lost work days and decreasing employees’ financial issues. Stakeholder groups in this case study are Hospitals, Physicians, Employers, Patient, Third-Party Payers (Insurers) and the Government. Impact on Cost, Impact on Quality, and Impact on Access affects each of these stakeholders. The uninsured patients have increased costs; they are expected to pay out-of-pocket for healthcare. Costs for Hospitals will rise due to the uninsured increasing visits to the Emergency Room, where they cannot...
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...Families suffer from the issue of not having insurance and lacking proper treatment. Eight in ten uninsured individuals are members of a working family (Epstein, 2002, pg. 525). This implies that the middle class is struggling to obtain insurance. Middle class families are considered to make too much to qualify for Medicaid, yet the amount they do make still does not cover the costs of insurance and needs of a family. Without insurance, the middle class are scared about the potential debt that treatment at a health clinic may bring. Therefore, they avoid them altogether, resulting in less business for the health care...
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...hospitals to engineer ways to reduce costs such as patient selection and staff reduction. However, for a hospital to participate in Medicare, which accounts for more than 50% of hospital budgets, certain laws and regulations must be followed. This paper discusses these laws and regulations and offers suggestions on how to adjust successfully to the upcoming changes. The Affordable Care Act (ACA) and Hospital Compliance In light of the current changes in the healthcare industry, it is imperative for every healthcare organization to adapt accordingly or face dire financial challenges. A major change included in the Affordable Care Act (ACA) is the expansion of Medicaid, which will provide coverage to millions of formerly uninsured US citizens and permanent residents (Rosenbaum, 2011). However, Medicaid is notorious for much lower reimbursement compared to Medicare and private/commercial insurance (M. Schmitt, personal communication, October 7, 2013). In addition, hospitals are now required to prove that the services they bill for actually improve and maintain patients’ health (Leonard, 2013). Hospitals are also required to cover the cost of medical errors and hospital-acquired infections as well as face penalties for re-hospitalizations for the same problem within a specified amount of time (Leonard, 2013). Even more alarming is the fact that the ACA projects huge cuts in Medicare and Medicaid reimbursement to hospitals (Leonard, 2013). In light of all these...
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...the Congressional Budget Office [CBO] (2006), which breaks down the ownership types of hospitals nationally. Based on 4,518 community hospitals, 58 percent are non-profit, 18 percent are for profit, and the remaining 24 percent are government owned hospitals. Non-profit hospitals were established for charitable purposes and tend to be larger, and are more likely to be teaching hospitals. They also are responsible and accountable to the communities they serve. They are governed by leaders of the communities they serve. Earnings received from the non-profit hospitals are reinvested to improve quality and care provided at the hospitals, and also invested in community programs, such as providing no fee or discounted fees to the uninsured and low income for health care services. Non-Profit healthcare organizations mission is to serve communities by providing healthcare without regard for a patient’s ability to pay. For-profit hospitals are legally responsible to their owners and stockholders and performance is based on profitability and the return on equity to its shareholders. Profits from earnings can be distributed to owners and stockholders. There are also tax treatment differences for the for-profit and non-profit hospitals. (CBO, 2006) The non-profit hospitals are exempt from federal and state corporate income taxes, as well as local sales and property taxes. The for-profit hospitals are required by law to pay federal and state corporate taxes. For-profit...
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...Cooper Green Hospital and the Community Care Plan 1. Discuss six (6) unique problems associated with delivering health care to an indigent population. 2. Discuss the five (5) ways that the Community Care Plan will improve the health status of the community. 3. Discuss the five (5) factors that point to the need for change by Cooper Green Hospital. 4. Discuss five (5) strengths and five (5) weaknesses of Cooper Green Hospital. 5. Discuss five (5) strengths and five (5) weaknesses of the Community Care Plan. The major problems that plagued the company’s growth were as providing affordable good quality medical services to the indigent population of deficient country, streamlining procedures with polices, managing employees and gauging their performances, declining revenue, decreasing enrollments and under utilization, no upgrading enhancement of technologies, indifferent behavior of some employees towards the patients, inability of the infrastructure to cater to the increasing demands of the out patients section, resulting in long waiting hours and frustrated patients.Another problems faced by the hospital were balancing cost with maximum access to care, managing employee within budget, performance and demand and simplifying procedures and aligning them with policies. The two plans are named as Health first, a traditional fee for service plan and the community care plan , a prepaid membership plan based on family size and income, which would given opportunity...
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...needs of patients to the supply and demand of fee-for-service care. Our growing health care crisis is the results of medical organizations working with third party payers and private insurance sectors focusing more on the assets of funding instead of the quality of care for patients. As a result the rising cost of health care is continuously huge issue affecting our economy making it difficult for many Americans to live comfortably within our economy less known afford insurance services. The quality of care is not a priority of many health care professionals but the necessity of meeting quantity over volume is the mission of many health care groups. Health care organizations has lost their dedication for healing and helping patients to avoiding and profiting patient volumes. The trending rates of inflation, increased health insurance coverage, demographics, provider merging, technology and the lack of health provider-patient care ratios are enormous contributors as well affecting our nation’s health care spending. The National Health Care Expenditure The National Health Expenditure Accounts (NHEA) are the official estimates of total health care spending in the United States. Dating back to 1960, the NHEA measures annual U.S. expenditures for health care goods and services, public health activities, government administration, the net cost of health insurance, and investment related to health care. The data are presented by type of service, sources of funding, and type of sponsor...
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...to access health care. That role is ever evolving now, though. Who is covered in these two countries? In Norway, the answer is simple: Everyone. 100% of the citizens are covered (Jun, Osborn, Squires, 2012, p. 86). In the United States, it is not as clear of a picture. According to Jun, Osborn, & Squires (2012), “In 2010, 56 percent of U.S. residents received primary care coverage from private voluntary health insurance (VHI), with 51 percent receiving it through their employers and 5 percent acquiring coverage directly. Public programs covered 27 percent of residents: 14 percent under Medicare, 12 percent under Medicaid, and 1 percent under military health care programs. Almost 50 million residents (16% of the population) were uninsured. Among those who are insured,...
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...The Effects of Uninsured Driving on Motor Insurance Business Abstract Driving a motor vehicle without insurance cover is an offence that has an effect on motor insurance business. Despite the fact that Malta is, like other countries, affected by the issue of uninsured driving accidents, data on the subject is very limited. As a result, the effects of uninsured driving on insurance business and society are not fully known or understood. Likewise, the views of those concerned with the problem are not toally clear. This research study goes a long way to identify the effects of uninsured driving on the motor insurance industry. Local and European legislation concerning uninsured driving, together with primary data collection through questionnaires provide an enhanced understanding of uninsured driving from a local viewpoint. The incidence of uninsured driving in Malta appears to be increasing the burden of the costs is being incurred by honest policyholders and by insurance companies. The findings suggest that the public is not sufficiently aware of the consequences of driving without insurance and the local insurance industry does not have adequate measures to calculate the incidence rate of uninsured driving. In spite of the fact that it appears that the victims of uninsured driving are being well-served by the current compensation system, improvements can be implemented, especially with regards to how the system is funded. love and faith in me. Special...
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...a. What are the facilitating developments that have allowed health care to start globalizing? The facilitating developments that have allowed healthcare to start globalizing were that healthcare and insurance have become more and more expensive in the U.S. There have been opportunities for education in the medical field for people in different countries. In the grand scheme of things, travel is fairly inexpensive and quite fast. b. Who benefits from the globalization of health care? Those that benefit from the globalization of healthcare are the uninsured and the underinsured because this aids them in avoiding the high costs that can happen where medical bills are concerned. Insurance companies also benefit because they don’t need to pay big money for domestic procedures. The different countries probably benefit the most from having highly educated people and the profits they are making traveling tourists that travel solely for medical reasons. c. Who are the losers in the globalization of health care? The clear losers where globalization of healthcare is concerned is the hospitals and the U.S doctors that would perform those procedures at the domestic facilities. There is a clear loss in the profits that they would have received for those procedures. d. Are there any risks associated with the globalization of health care? The main risk is more of an uncertainty, which is concerning the level of care provided. Even though the procedures that are being performed...
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...R. Blake Flugence HCM 620 Professor Michael Schmitt American Intercontinental University September 13, 2015 Abstract President George W. Bush’s 2003 introduction of a new health bill policy was formulated to enforce changes to Medicare. Since its origination in 1965, policies of healthcare have experienced many phases in attempt to provide affordable benefits to patients in need of different services. With similar advancements in consideration, President Bush attempted to enact a significant affordable program for prescription drug coverage. Predictions of this healthcare agenda in partnership with the Medicare Modernization Act supported assistance that would cover a widespread of qualified beneficiaries in the U.S. However, as a result of the legislation, controversies arose affecting the decisions of patients as well as providers. The following document illustrates provisions of the health bill policy and formulated opinions by researchers. In a 2003 CNN web article, shortly after Congress began proposals for the new Medicare reform, writers introduced stipulations of the form including its successes and failings. Supporters of the policy made predictions claiming that $400 billion provided by the Medicare Modernization Act would accommodate the nation’s 40 million citizens to purchase medication. In this aspect, the policy leaked an advantage for older Americans having capabilities for better coverage options through Medicare and also more control over services...
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...America’s prison population has been reported to be sicker than the general population. This includes health conditions and diseases both long and short term. However at the same time this same population has high uninsured rates leaving these same people without any form of health insurance. The Affordable Care Act allows many formerly incarcerated individuals to gain access to health insurance, opening up many possibilities. If a policy maker had to make the decision between whether or not to allow this to pass, by passing it, their decision may have a great benefit to our economy. If we allowed and opened up new forms of healthcare insurance that could be used specifically for formerly incarcerated individuals, more health insurance companies would have the option to take up on offering such services. By doing so a new chunk of society is able to buy out health insurance, even if it may be the lowest, cheapest form. This is similar to an SR22, which is a form of auto insurance required on top of regular insurance for individuals who are convicted of a DUI. An SR22 is the lowest, most basic and cheapest form of auto insurance, affordable by many, allowing an individual to drive, yet just barely covers them in case of an accident. By purchasing a basic form of health insurance this benefits not only those individuals who are buying the insurance, but also the health insurance company who is now increasing profits and sales by offering insurance to a group of people who...
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...self-interest which makes society worse off, or, an inefficient market”, (Krugman, Wells, 2009). Misallocated resources, unnecessary medical care, and for-profit insurance companies all play a part in America’s failing healthcare system. As one of the most technologically advanced countries in the world with plentiful resources to boot, 40 to 50 million uninsured citizens are unacceptable (Boseley, 2012). Our government needs to step in and reform the system, but exactly how to accomplish this task has become a national issue. In addition to the debate of adopting a national healthcare system (Obamacare,) reforming the Medical Liability System, or MLS, could very well be the answer to providing healthcare for each and every United States citizen. Optimizing promising practices, ensuring patient safety, and reducing healthcare costs are all ways to effectively bring our country back up to speed in what should be a rewarding and lucrative experience for both patients and their physicians. With the United States ranking 37th out of 191countries total in terms of health care, it is not surprising that there are millions of Americans uninsured, but even more alarming is the fact that there are 38 million people in the with inadequate health care coverage (pbs.org). (Please refer to the table on page 7 for the break-down on the number of American’s covered.) These numbers are a huge deterrent when deciding whether or not to seek medical attention for non-life-threatening illnesses. ...
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...org/content/24/3/790.full Not-for-profit health organization such as hospitals and free small clinics operate to offer services to less fortunate and low income earners within the communities while for profit making mostly target patients with high income and their facilities are equipped with best technology to attract more customers. They offer services at low cost and sometimes free services as well unlike for-profit offer expensive services and their main is to accrue huge profit. The not for profit health care organization face many challenges such as funds to operate the facilities, they rely on donation food resources and also volunteers of good will as workers. Not-for-profit health care organizations do offer services to both underinsured and uninsured patients because they don’t work gain much from the communities rather than helping them. (Evashwick, 2005). For Profit Corporation their primary reason for the formation is to earn profit, the owners of the organization expect to earn profit when the services are rendered to the public unlike not-for-profit health care...
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...Public services research What is the daily routine for a person in the police? There are many things a police officer has to do as his daily routine. Here are some of the duties a policeman has. They need to prevent crimes, by patrolling the streets, but if a crime still happens, the have to follow standard procedures. Firstly they have to interview any eyewitnesses if there are any. They also have to gather evidence and if necessary give it to court. After the day has ended the police officer has to write a report saying exactly what happened. Usually daily routines cut down to just patrolling the streets, But if, lets say, A violent protest happens, The police have to control it and make sure nobody is hurt. They then also have the right to hold the person in police in custody. Apart from this they also have to search for missing person if necessary. What the police then do is firstly check CCTV footage and looks for any clues. They also have to question people or let out a search team, for example for the body. for the rest here is a list of other police duties: • Improving community relations • Has Providing government with information and statics • Crime prevention • Giving evidence in court • Providing advice and information on personal safety and property • Holding people in police custody • Missing person reports • Dealing with public protests or public order incidents • Working in partnership with other services to reduces...
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...this law as passed is the perfect model for the US or if there should be further amendments. One thing is clear though, the healthcare system needs (needed) an overhaul. In order to assess whether I agree with the ruling or not I need to go through the main aspects of the Act. I will thereafter compare it with what is generally agreed to be the best healthcare system in the world “the Santésuisse” of Switzerland. Key points in “obamacare” are 1. Individual Mandate: The requirement for every individual to buy health insurance by 2014 or face Penalties. (Referred to as Tax in the ruling). As Obama says in his speech, “First, when uninsured people who can afford coverage get sick, and show up at the emergency room for care, the rest of us end up paying for their care in the form of higher premiums.” Insured Americans may therefore be avoiding a rise in premiums that may have come about if the high court had rejected the individual mandate but left other requirements on insurers intact.(Obama,2012) 2. Health care exchanges: Are designed to offer cheaper health care plans, in conjunction with the states and CMS (Centers for Medicare and Medicaid Services) 3. Medicaid: This joint State & Federal program that provides up to 50million citizens with insurance will widen its scope by increasing the income threshold for eligibility. The Government will fund the states up to 2016. The Federal government does have all reasonable rights to set rules for a federal program. ...
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