...Cameron 1 Issues on Healthcare Insurance Although the United States is dealing with the issue of healthcare insurance, the president should consider ways to avoid letting the needy families suffer because there are children and adults in need of healthcare insurance. Healthcare coverage insurance is a way of method to apply for medical coverage when you are sick, has an injury or to help use for preventative health measures. Medicaid is a form of health insurance coverage that is provided to most individual in most states whom is eligible for it. It provides coverage to a many low-income families. An important issue that is going on in this day and time is that universal health insurance coverage will have to be mandated for everyone, by way of method through private insurance, through state or by means of your employer. By means of having your own insurance coverage will provide for a lot families to make their own informed decision about their health coverage. Healthcare coverage will be expanding and have affordable coverage for lower-income families in the upcoming future. There a variety forms of healthcare coverage which is available out there for the old, young and disable. There are also forms of insurance for the rich (high class), middle class and the low income class. Just to name a few are: Medicaid, which is provide through federally-funds, Medicare which provides coverage to people over the age of 65 and those with disabilities. Health Saving Account and...
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...show how having health insurance or not having health insurance determines if a person will receive laser eye surgery. This assignment will also show how the medical market differs from other markets and how this contributes to the rise in health care costs. Finally, the assignment will show how a small business owner whose group insurance policy costs continue to rise may make decisions to halt increases to his insurance cost. I would not get the laser surgery at the cost of $500.00 per eye. The procedure is considered to be cosmetic and not a medical need or emergency. This would make the surgery elective and a choice. Since my nearsightedness does not interfere with my job performance and also is not a detrimental factor in getting a job, I would not see a need to spend that amount of money. Even though odds of the surgery correcting my vision are very high, due to the surgery not being covered by my health insurance, I could not afford the out of pocket expense for the procedure. Such a response also reflects the reality that the moral hazard is low or non-existent. This is due to the fact that the procedures would not protect me from a disease or debilitating health condition (Folland, Goodman & Stano, 2010, pp. 155-156). If my health insurance covers 80% of the cost of surgery, I would have the surgery. This would mean that I would only have to pay a total of $200.00, as my out of pocket costs would be $100.00 per eye. The insurance company would pay $800...
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...Today, consumers face a baffling health insurance marketplace, especially if they buy insurance on their own. Americans find it all but impossible to compare health insurance policies on an “apples-to-apples” basis because the policies are written in legalese and the terms of coverage are so varied. As lawmakers consider comprehensive health care reform, they have an opportunity to manage the way we “shop” for health insurance. Recommendations include new consumer-friendly rules for the health insurance marketplace. These rules require clear and consistent definitions of insurance terms, standardized health plan provisions, new health plan disclosure forms, unbiased enrollment assistance and rigorous enforcement at the state and national levels (Healthy Policy Brief, 2009). There is a more improved way to seek health insurance. We need a health insurance marketplace which has consumer protections commensurate with the importance of the purchase, new rules for insurance plan disclosure that considers real consumer decision-making behavior and less variation in health plan design so that consumers can easily compare benefits and costs. In order to create this new marketplace, there is a proposal of five specific changes that must be created: a manageable number of plan choices, standardized benefit designs, standardized consumer-friendly health plan materials, decision aids and a strong federal oversight body. Consumers should have a manageable number of “good” health plan options...
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...The healthcare system in the UAE and Germany Name Affiliation Introduction The UAE has a very fast growing and dynamic healthcare market, currently it’s the fastest growing in the Middle East. This growth has mainly been supported by intensive government spending on the sector. The government of UAE also has a very central role in the provision of health services and in recent times the government has taken initiative to involve the private sector in the provision of these services. Due to rapid development in recent years the UAE offers a lucrative pharmaceutical market that boasts of high standard medical facilities ("UAE to Be One of the Fastest Growing Markets for Healthcare in the Region, Says Alpen Capital", 2014, pp. 4-5). A few years back it was required that all people that were employed in the UAE to have a health card. The card was given to the public on a small charge but this is no longer the case as the sector has become more diversified. For Abu Dhabi, there had been introduced a compulsory health insurance. Dubai was considering the introduction of a unified health insurance cover for both nationals and non-nationals and if successful this was to be and has been spread out to the rest of UAE. Dubai has two healthcare free zones, Dubai Biotechnology and Research Park and the Dubai Healthcare City (Woodman, 2012). Having a strong healthcare system, the government is aiming at diversifying the economy and also ensure the availability of the essential services...
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...Healthcare delivery in India - effects of Public policy, IT and Insurance Bhavik Kaul 1 Gaurav Dalvi 2 Great Lakes Institute of Management, Chennai October 2012 Abstract The global healthcare industry has greatly transformed itself into a professional service system, wherein each stakeholder has to justify its performance. In the increasingly globalized market, private healthcare providers have started dominating the supply side. Healthcare sector in India needs to be reoriented globally towards excellent service promotions and healthcare be made available at lower cost. With this view we plan to study the impact of various factors on the quality of healthcare delivery in India over the next decade. This research will attempt to verify the impact of the mentioned crucial factors on the Healthcare delivery in India through an empirical research and provide some assessment of the deficit in access to health services through structured integrated way called the Gaps Model of Service Quality which will take into account significant gaps identified & suggest methods to close the gaps. These suggestions will be used to make recommendations towards a 10 year incremental National Health Plan. 1. Theory & Hypothesis The 3 areas that we intend to include into our study of the healthcare landscape are – 1) Public Policy 2) Insurance 3) Healthcare Information Technology Systems (HIT) a. Hypothesis 1: Favorable National Health policies will have a positive impact...
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...Is employer-based health insurance on its way out, and if so, is it more or less practical to maintain it as a benefit in a healthcare organization? I do believe that employer based insurance is on its way out. Large organizations with a certain amount of full-time employees are now mandated by the Affordable Aare Act ( ACA) to offer health benefits to their employees. Otherwise, they will have to pay a penalty for not offering benefits. Some employers are faced with many financial challenges and high expenses in trying meet this mandate of offering benefits to their employees. They are weighing the costs of proving insurance versus paying the penalty. Some organizations believe that the cost of offering benefits outweigh paying the penalty. Thus, many organizations are dropping out of offering benefits and simply paying the penalty. So employer based insurance will continue to decline as time goes. 2 - How has the Affordable Care Act affect employer based health insurance benefits? The Affordable Care Act definitely has an impact on how employees can purchase insurance and what benefits their employers offer. Companies that have not initially offered health insurance to their employees are now be mandated to do so. Under ACA, coverage offered by the employer must be affordable and cannot cost more than 9.56 % of the employee’s household income. If coverage is not affordable, the employer has the option of using the Marketplace, but the employer may be fined. The benefits...
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...Health Policy AHS 330 Health Care Systems: 7Q April 2, 2014 Healthcare in the United States is extremely different from the rest of the world. Over the years government and political analysts have compared and contrasted the health care systems of the United States to that of Canada’s. Despite being located on the same continent both countries have different ways of delivering health care to its citizens. Canada has a single-payer system that is publicly funded, while the United States has a multi-payer system that relies heavily on privately owned healthcare. This could be due to the differences in how many patients are cared for compared to those in America or it could be just a matter of who developed the better healthcare. However, due to the close proximity of the countries it is possible that the United States can adopt the Canadian healthcare system. According to Health Canada, Canada's publicly funded health care system is best described as an interlocking set of ten provincial and three territorial health insurance plans. Known to Canadians as "Medicare", the system provides access to universal, coverage for hospital and physician services. With this being said it is safe to assume that health care services are provided on the basis of need, rather than the ability to pay. “The Canadian Health Act contains a single national plan that is composed of thirteen provincial and territorial health insurance plans that all share common features and basic coverage.” Health...
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...Running head: An Overview of the Canadian Health Care System with a Comparison to the United States Heath Care System Canadian And American Health Care Parween Nooruddin Stratford University Abstract The reason for this exploration paper is to look at healthcare systems in two very progressed industrialized nations: The United States of America and Canada. The principal piece of the exploration paper will concentrate on the portrayal of healthcare system in the aforementioned nations while the second part will dissect, assess and measure up the two systems in regards to value and proficiency. Canadian And American Health Care In this research paper I will be comparing Canadian and American HealthCare systems. In this paper I will provide a description of health care system for each country. I will also analyze, evaluate and compare the two systems regarding equity and efficiency. We begin by giving a general portrayal and examination of the structure of Healthcare systems in Canada and the United States. CANADA’S HEALTH CARE – OVERVIEW Canada's health care system is a group of socialized health insurance plans that provides coverage to all Canadian citizens. It is openly subsidized and controlled on a common or regional premise, inside rules set by the national government. Under the health care system , singular natives are given preventive care and medical treatment from essential consideration doctors and in addition access to clinics, dental surgery and extra...
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...Economic tools and concepts paper Nadine Ranger HCS/552 November 29, 2010 James Hamilton Economic Tools and Concepts Paper One of the most prominent topics in the society today is health care reform and government plays a large role in regulating managed health care systems. A vast difference between movement along and shift in the demand curve for the different health care systems. For instance, the government funds Medicaid and Medicare to provide services to the indigent and disabled population. However, many factors exist that influence the control of health care spending from an economic standpoint. The objective of this paper is to discuss the role of government and the supply and demand curves concept to show the difference between movement along and shift of the curves in the managed care system. The concept of medical price elasticity to evaluate the manage health care industry is also discussed. Resource Allocation Law makers presented several proposals for health care reform and the final bill passed with the intention of providing health care to all Americans. One important issue concerning many consumers about health care reform is the selection of an appropriate managed health care program because one must choose a managed care provider by December 31, 2010. The application of principles to understand the health care systems is challenging because of the complexity of health care as a product or service; however, the fundamental problem...
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...The Debate over Socialized Healthcare The topic of socialized healthcare has been a hot topic for awhile, with both sides having great arguments it’s hard to make a decision. Both sides should strive to meet in the middle, so less people will suffer the consequences of not having healthcare. No matter what side people take it is obvious that a change needs to happen. Our current health care system is a mess, and no one is benefiting from the system, expect for the greedy drug and insurances companies. The current health care system needs a change, and to change we need to identify the problems and come up with sustainable solutions. One side of the debate believes that socialized healthcare is the solution to fix America’s health care crisis, and wants everyone to receive care. The other side believes that socialized healthcare is not the solution. If people wanted health care they should pay for it. The start of this debate stems from current issues on health care in the United States. With health insurance becoming increasingly unaffordable the overall health of USA has gone down. “The cost of health care keeps rising 7% each year” (Collins, R,2011, paragraph 2), with costs rising health insurance coverage is going down, making it more difficult for people to pay to get treatment. Without the right medical help and check ups its hard to sustain a healthy lifestyle to prolong life. “People shouldn’t have to pay to live a healthy life” (Davenport, K, 2012 para.3), as a society...
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...life and quality of life issues 17 Alternatives in decision-making for health care administrators to resolve ethical dilemmas within the organization 19 Conclusion 20 References 22 Introduction Healthcare is the treatment of health related issues such as prevention, diagnosis, treatment and prevention. Healthcare is provided by Doctors, nurses and other licensed healthcare professionals. Who work at an office or a facility which would be a healthcare organization. By definition “An organization, by its most basic definition, is an assembly of people working together to achieve common objectives through a division of labor, people form organizations because individuals have limited abilities. An organization provides a means of using individual strengths within a group to achieve more than can be accomplished by the aggregate efforts of group members working individually. Business organizations (in market economies) are formed to profit by delivering a good or service to consumers.” (Advameg, Inc., 2016). Healthcare has evolved over the years to incorporate ethics within treatment and planning for the organization to ensure that both the organization and patient are covered and treated respectfully. Healthcare Organizations plans are implemented to direct how a healthcare facility will work and...
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...newly insured Americans are discussed. The act also provides for professional training and development of advanced practice nurses to meet the demands of increased care and increased patient load. Keywords: healthcare reform, nursing education, nursing roles Significance Of Nursing In The Implementation Of Health Care Reform Healthcare reform has captured our time and attention during the past few months, it has been a long and heated discussion. As the healthcare and its underlying payment system evolve in the face of the new Patient Protection and Affordable Care Act; healthcare for all, a long time dream of many nurses, will be realized. This act requires all Americans to be covered by health insurance by 2014. Goals of the act are to not only enhance access to affordable care but also focus on wellness and prevention, bring care back to being patient centered, emphasize chronic illness management, assist patients in making informed choices and improving coordination of care. It also emphasizes distributing highly educated nurses closer to medically underserved populations and lays the ground work to help lessen the shortage of nurses, nurse practitioners and nursing faculty (Carlson, 2010). Every healthcare...
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...December 18, 2013 The National Health Service (NHS) of Great Britain was established in 1948 to create a national health system that would serve all citizens regardless of ability to pay. There were three main objectives established that were critical to the success of the program: (1) equal access to care, (2) provision of preventative and curative care, and (3) services provided at no cost to the patients (Perlman & Fried, 2012). Today, the NHS is still alive and well and is meeting the expectations of the original objectives set forth at its inception. Currently, the NHS is credited as being the single largest publically funded health care system in the world. In 2010, the Commonwealth Fund declared that “in comparison with the healthcare systems of six other countries (Australia, Canada, Germany, Netherlands, New Zealand and USA) the NHS was the second most impressive overall. The NHS was rated as the best system in terms of efficiency, effective care and cost-related problems. It was also ranked second for patient equality and safety” (Perlman & Fried, 2012). This paper will address the author’s impression of the NHS based on research and information collected and reviewed as well as discusses the perceived strengths and weaknesses of the program. As stated previously, the NHS is the world’s largest publically funded health care system. It employs approximately 1.7 million people of which include 40,000 general practitioners, over 370,000 nurses and 105,000...
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... 2013). Capitalism can be defined as an economic and political system based around property ownership and private industry. It is a different form of government where the system is based upon individual rights. The key component of capitalism runs off competition, all markets are open with little or no government directive. This form of government has a tremendous effect on healthcare in that Capitalism is based on demand and supply and when dealing with healthcare the demand and supply are disconnected. Capitalism is defined as a free enterprise system. It is essentially a competition between markets as well as unregulated supply and demand. Each individual is permitted to sell whatever product at whatever price as long as the market can sustain it. Decisions about products are made solely on the need or demand. If there is no demand then there will be no profit, if the demand is high then there will be a profit; however, if the demand is too high, there will not be enough suppliers. Nearly every nation has a different economy which means capitalism will operate differently. The future for healthcare holds many negative and positive factors. It will be positive in that Capitalism will encourage health care providers to be efficient by concentrating on the things which are on demand rather than those that are not. Capitalism will also allow the health care industry to grow exponentially because the health care organizations will continue to make money and subsequently invest...
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...The Healthcare Market Analyze the current health care delivery structure in your state. Compare and contrast the major determinants of healthcare market power. There are many issues that are causing changings in the healthcare system. Population aging, rapidly increasing costs of healthcare and the growing burden of chronic disease are challenges to health systems worldwide. To meet these challenges will require new approaches to healthcare delivery and comprehensive population health management. Many states are not prepared to tackle this issue yet. The US has the most expensive healthcare system in the world with health status indicators that are only average in comparison with the less costly health systems of other countries. The pressure to provide more cost-effective care is particularly intense in the US, as it attempts to expand health insurance coverage and address serious cost and quality issues. (Shortell, 2010) In the state of North Carolina, there is a group called NCHQA (North Carolina Healthcare Quality Alliance). Their mission is to dramatically improve the delivery of health care in North Carolina and the health of all North Carolinians. NCHQA is a collaboration of virtually all the leaders in the delivery of medical care in North Carolina. The Board of Directors consists of members appointed by the Governor and other public officials, various medical societies, insurers, the state hospital association...
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