...Introduction United States has one of the highest GDP among developed nations yet it fails to deliver a widespread and affordable health care to its citizens. Will health care reform be able to deliver quality services at affordable cost with its existing workforce crisis in the healthcare system? Number of uninsured Americans has significantly increased, mainly due to aging population and income change. The prevalent issue of America’s healthcare system is insurance coverage, access to healthcare. Americans believe this issue should be prioritized, and it is the direct responsibility of federal government to ensure medical care for those citizens that lack insurance. This essay include history of United States healthcare system, its evolution and how healthcare providers can contain costs of healthcare and provide quality and access to healthcare for everyone. From the beginning of 2014 Affordable Care Act by Obama government is trying to solve the enduring issue of American healthcare system. It is a step in the right direction but this reform is facing lots of resistance from Republican Party, that this reform will put country in debt stress. Many Americans are concerned with quality and access to healthcare with the influx in number of insured entering the healthcare system which is already facing the workforce crisis. United States Health care History Healthcare in United States is enduring issue and it is very sensitive subjects for Americans. United states...
Words: 2652 - Pages: 11
...Ruggiero HCA 421 Instructor Celya Tilley August 23, 2013 The driving force of any business is that of competition; the healthcare industry is no different. The presence of competition provides a need to grow and continually offer quality services or products; however, the competition in the healthcare industry can be a very daunting at times. The cost of medical care is rising and patients are expecting a certain level of high-quality care due to the vast amount of information available to them. Patients are now armed with knowledge; they are true consumers who look for the best quality care for the very best price. This paper will discuss the different forms of competition that takes place in health care, evaluate the benefits and pitfalls of competition while suggesting alternatives given competition were not the prime driver of operations in the healthcare industry, explain the essence of successful competition and the use of competitive intelligence and describe the influence competition has on the services offered by health care organizations and the choices patients have. Competition drives businesses to work at their full potential and forces them to constantly evaluate their business strategy and make changes when necessary. Competition also has the ability to force health care organizations to compete for business by lowering their costs of services provided; this competition takes place among hospitals, physicians and health plans. “Physicians may...
Words: 1662 - Pages: 7
...Note: The paper emphasizes on the role of all the stake holders of the health insurance industry, with particular focus on Policyholders perceptions on Health insurance based on household survey. The Burgeoning Indian Health Insurance Industry: ……...Yet miles to go!!! By *V. Jayalakshmi (M.Phil, LLB, FIIII(Non-Life)) __________________________________________________________________ * Assistant Professor, Siva Sivani Institute of Management, Kompally, Secunderabad, Andhra Pradesh, India. Pursuing Ph D from Osmania University, jayalakshmi@ssim.ac.in *This paper was presented at the National Seminar on Health Insurance “A Decade of Experience: Health Care Insurance… Present Scenario”, in Hyderabad on 24th January, 2012. The Burgeoning Indian Health Insurance Industry: ……...Yet miles to go!!! Introduction Health insurance has become one of the fastest growing segments in the non-life insurance industry in India in the recent years, experiencing a robust sixty per cent remarkable growth during 2007 – 08 over the past year. From a modest premium volume of Rs. 675 crore in 2001- 02 the health insurance premium has grown to Rs. 7803 crores in year 2009-2010, and is poised to grow at a compound annual growth rate (CAGR) of 25 to 30 per cent to reach a market size of around Rs 28,000 crore by financial year (FY) 2015 as per IRDA estimates. This segment is also emerging...
Words: 5563 - Pages: 23
...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 on the quality of healthcare delivery The...
Words: 2192 - Pages: 9
...CONTROLLING HEALTH CARE COSTS WHILE PROMOTING THE BEST POSSIBLE HEALTH OUTCOMES American College of Physicians A White Paper 2009 Controlling Health Care Costs While Promoting the Best Possible Health Outcomes Summary of Position Paper Approved by the ACP Board of Regents, September 2009 What are the Major Drivers of Health Care Costs? Major drivers of health care costs include: inappropriate utilization especially of advanced medical technology, lack of patient involvement in decision-making, payment system distortions that encourage over-use, high prices for health care services, a health care workforce that is not aligned with national needs, excessive administrative costs, medical liability and defensive medicine, more Americans with declining health status and chronic disease, and demographic changes including an increase in elderly persons. This paper addresses each of these drivers of health care costs and provides recommendations for controlling them. Why Do We Need to Control Health Care Costs? Improvements in health care have the ability to provide opportunities for all people to live better, healthier lives. However, the rate of increase in U.S. spending on health care continues to exceed economic growth at an unsustainable pace. The rate of growth in health care spending is the single most important factor undermining the nation’s long-term fiscal condition. Why Should Controlling Health Care Costs be Linked to Promoting Good Health Outcomes? Increasing pressure...
Words: 26901 - Pages: 108
...AN INSURANCE PROPOSAL PREPARED FOR: SKM Health Services, Inc. [pic] Top of Form Bottom of Form | | POLICY TERM 04/15/16 to 04/15/17 PRESENTED BY: James Singleton Master of Business Administration Certified Insurance Counselor Certified Professional Insurance Agent Certified Risk Manager Management Liability Insurance Specialist DISCLAIMER: COVERAGE SUMMARIES PROVIDED HEREIN ARE INTENDED AS AN OUTLINE OF COVERAGE ONLY. IN THE EVENT OF A LOSS, ALL TERMS, CONDITIONS AND EXCLUSIONS OF THE ACTUAL POLICIES WILL APPLY. | Our Story | ARTHUR J. GLATFELTER FOUNDER In 1968, while working with a prospective client, a local volunteer fire department, Art discovered a significantly underserved market. Since emergency service organizations were largely overlooked by the insurance industry at that time, Art interviewed every fire chief he could in order to gain a solid understanding of their needs. His findings became the foundation of VFIS, a division of GIG and the world’s leading provider of insurance, education, training and consulting products and services for emergency service organizations. The principles upon which Art built his insurance agency remain the foundation of Glatfelter Insurance...
Words: 12606 - Pages: 51
...Implications of Health Economics Concepts for health Care Marcus Bright Strayer University Health Economics HSA 510 Dr. Jeff Kaluyu October 27, 2014 Abstract Income Inequality and Rising Health-Care Costs in the United States shows that health costs are the biggest driver of income inequality. This reason has made health care economics to go through multiple renovations leading from money which is the substance of health care economics and that has become vital to economists, policymakers, researchers, and organizational leaders. Today, most employers pay their workers a combination of wages and benefits, the most important of which is health coverage. This too has caused employer’s to hold back on salary increases to keep total compensation costs to cover the high cost of health insurance increases. In health care economics, the gross domestic product (GDP) is of paramount importance and in evaluation of, there is a remarkable rise in the GDP from 5.2% in the 1960’s to 16.2% in 2008, and an anticipation of 19% or more by 2019. It is based on those ongoing increases that this paper will reflect on the concepts that have impacted the world of health care economics in the US. Health Care Professionals and Understanding the Discipline of Health Economics The economics of health care methodologies for funding have continuously been changing since the 1800s. This started with the founding of the American Medical Association in 1847, which promoted scientific...
Words: 1878 - Pages: 8
...Rachelle Wardle Justin Clark Yolanda Larrymore April 11, 2011 Group 5 Tort Reform As a society in today’s economy we are constantly being bombarded with news about law suits of one kind or another. It seems whenever we turn on the news there is a new high profile case of malpractice lawsuits and individuals are being sued left and right. We live in a lawsuit happy society that only continues to intensify as the economy continues to recover and citizens continue to seek employment. Often the main bulk of the law suits that make the news and that occur in today’s society are medical malpractice suits. One can find themselves hard pressed to watch T.V. without seeing a commercial or advertisement from an attorney offering to sue someone for something. In the realm of medical law suits the possibilities are seemingly endless. Patients are willing to sue anyone over anything including drug manufacturers, doctors, pharmacists, anesthesiologist and so forth. Malpractice insurance has reached an alarming high and physicians continue to fight for a cap to be placed on money awarded to plaintiffs. Physicians fear their jobs and lives may be in jeopardy if something is not done about these outrageous costs while patients worry that their medical care will suffer if such limits are awarded. In the 1990s there was a famous lawsuit that awarded a woman several million dollars in a law suit against McDonalds when she spilled hot coffee on her lap. Many of the details of the...
Words: 2798 - Pages: 12
...other organizations providing health-care services. Business and leaders must be well equipped in traditional management knowledge and practices to manage the unique aspects of the health-services industry. The success of the new Health Care Reform depends on the cost, types of coverage and technological advances. Careful elevation and true quality assurance programs will reduce some the nepotism that goes on in our system. This will allow the best person, business, or technology to be used as it is needed. The innovation that has been created over the past ten years have allowed for improvements as well as lowering the mortality rate. Japan system allows for frequent health checks and even house calls are being done electronically. This paper looks at various costs of the Healthcare system, technological alternatives available in the Healthcare system and look at the pros and cons of different options available. History of the United States Healthcare If we compare the quality of health care today with the health care prevailing a century ago, it has dramatically improved and quality of care provided today is far better, but at the same time the health care system has become very complex, confusing and to some extent inefficient in spite of the burgeoning cost of health care. Expectations today have grown rapidly with the advancement in the health care technology. Medical technology, training, technique and facilities have...
Words: 4838 - Pages: 20
...CHAPTER 1 INTRODUCTION 1.0 Introduction This chapter serves the general outlook of the research. It will provide the health insurance planning overview, general information regarding the organization, the existing group health insurance plan which provided by the employer (LHDNM), background of study, the problem statement, research objective, research question, hypothesis, and scope of study, limitation of study, significance of study and definition of terms. Firstly, the title of the research is “The Study on the Factors Influencing The Purchasing Behavior of Personal Health Insurance among The Inland Revenue Board of Malaysia‟s (LHDNM) Staff”. There are general overviews of the personal health insurance planning and the background of the organization. After that the researcher will discuss about the background of study, problem statement, research objective and research questions. Besides, the researcher will state hypothesis of the relationship between three independent variables. Then the researcher will attach the scope of study and limitation of study. The next part is the significant of the study and definition of term. 1 1.1 About health insurance planning Health insurance, like other forms of insurance, is a form of collectivism by means of which people collectively pool their risk, in this case the risk of incurring medical expenses. The collective is usually publicly owned or else is organized on a non-profit...
Words: 9777 - Pages: 40
...improving Quality and Value in the U.S. Health Care System August 2009 Preamble The Bipartisan Policy Center (BPC) is a public policy advocacy organization founded by former U.S. Senate Majority Leaders Howard Baker, Tom Daschle, Bob Dole, and George Mitchell. Its mission is to develop and promote solutions that can attract the public support and political momentum to achieve real progress. The BPC acts as an incubator for policy efforts that engage top political figures, advocates, academics, and business leaders in the art of principled compromise. This report is part of a series commissioned by the BPC to advance the substantive work of the Leaders’ Project on the State of American Health Care. It is intended to explore policy trade-offs and analyze the major decisions involved in improving health care delivery, and discuss them in the broader context of health reform. It does not necessarily reflect the views or opinions of Senators Baker, Daschle, and Dole or the BPC’s Board of Directors. The Leaders’ Project was launched in March 2008. Co-Directed by Mark B. McClellan and Chris Jennings, its mission is (1) to create a bipartisan plan for health reform that can be used to transform the U.S. health care system, and (2) to demonstrate that health reform is an achievable political reality. Over the course of the project, Senators Baker, Daschle, and Dole hosted public policy forums across the country, and orchestrated a targeted outreach campaign to...
Words: 35073 - Pages: 141
...Benchmark Assignment: HIV Epidemiology Paper Dawn Hickey-Johnson Grand Canyon University Benchmark Assignment: HIV Epidemiology Paper “The global trends and adverse health impact of HIV, viral hepatitis, STIs, and TB remain among the major and urgent public health challenges of our time. These conditions account for substantial morbidity and mortality, with devastating fiscal and emotional costs to individuals, families, and societies. Despite decades of investment and support, the U.S. still experiences a disproportionate burden of these conditions compared with other Western industrialized nations, with substantial health disparities being observed across population subgroups and geographic regions.” (Hazel D. Dean, ScD, MPH Kevin A. Fenton, MD, PhD, 2010) This paper will focus specifically on HIV/AIDS. “ Genetic research indicates that HIV originated in west-central Africa during the late nineteenth or early twentieth century. · AIDS was first recognized by the U.S. Centers for Disease Control and Prevention in 1981 and its cause, HIV, identified in the early 1980s. ("STOP AIDS," 2009) Acquired Immune Deficiency Syndrome(AIDS) is a disease caused by the Human Immunodeficiency Virus (HIV). HIV attacks the human immune system, and progressively reduces its effectiveness, leaving the host susceptible to opportunistic infections and tumors. Due to the extended incubation period, the time between being infected with the virus and the manifestation...
Words: 4429 - Pages: 18
...Heart Failure Western Governors University Pathopharmacological Foundations for Advanced Nursing Practice Heart Failure It is estimated that about five million people in the United States are living with heart failure with an overwhelming number of 550,000 newly diagnosed cases each year, costing the nation roughly $32 billion dollars per year (Centers for Disease Control and Prevention, 2016). Heart failure is a complex, pathophysiological condition in which the ventricles of the heart is weakened and unable to pump effectively to meet the body’s needs for nutrients or has lost adequate filling capacity. Clinical presentations of heart failure depends on which ventricles have failed to pump blood adequately; left ventricular failure, also known as congestive heart failure (CHF) is more common than right ventricular failure (McCance & Huether, 2014). The most common symptoms of heart failure are shortness of breath, fatigue, and peripheral edema. HF is not a disease, but rather a manifestation of a diseased heart. Large number of disorders can lead to heart failure, and with the aging population and many surviving primary cardiac events, it is no surprise that the most common reason for hospitalization in patients older than 65 years old is heart failure (McClintock, Mose, & Smith, 2014). Heart failure has become a major public health problem because it is the only cardiac condition that continues to increase in prevalence (McClintock, Mose, & Smith, 2014)...
Words: 16787 - Pages: 68
...CHAPTER 1 INTRODUCTION 1.1 INTRODUCTION Customer loyalty is both an attitudinal and behavioral tendency to favor one brand over all others, whether due to satisfaction with the product or service, its convenience or performance, or simply familiarity and comfort with the brand. Customer loyalty encourages consumers to shop more consistently, spend a greater share of wallet, and feel positive about a shopping experience, helping attract consumers to familiar brands in the face of a competitive environment. Types of Loyalty To understand customer loyalty one must recognize there are different types and degrees of loyalty. There is monogamous loyalty and there is polygamous. There are also behavioral and attitudinal aspects. A look at these concepts will clarify what “customer loyalty” really is, and this is important because having a solid understanding of the concept is critical if one hopes to design a reward program where loyalty enhancement is the primary objective. Monogamous vs. Polygamous Loyalty We live in a world of polygamous, not monogamous loyalty. For example, a person might shop at Safeway, Thrifty Foods and Save-on-Foods and unfailingly shop at all three. The person is then loyal to them, but not to others, and yet 100% loyal to none. In their book Loyalty Myths, Keiningham et al. (2005) suggest that “loyalty can in part be thought of as the probability a customer will purchase a brand on any particular purchase occasion. For example, a customer...
Words: 17803 - Pages: 72
...Murdoch Business School Working Papers Factors Affecting the GRI Disclosures in the Annual Reports of Australian State Government Departments Dr Maria Mucciarone Murdoch Business School Professor Greg Tower - Curtin University Professor Mike Garner - Salisbury University Working Paper No.3 February 2012 The views presented in this paper are those of the author(s) and do not necessarily reflect those of the Murdoch Business School or Murdoch University. Working papers are considered draft publications for critical comments by colleagues and will generally be expected to be published elsewhere in a more polished form after a period of critical engagement and revision. Comments on this paper should be directed to the authors at m.mucciarone@murdoch.edu.au; Greg.Tower@cbs.curtin.edu.au; rmgarner@salisbury.edu.au © Copyright is held by the author(s) of each working paper: No part of this publication may be republished, reprinted or reproduced in any form without the permission of the paper’s author(s). National Library of Australia. ISSN: 1837-6371 Factors Affecting the GRI Disclosures in the Annual Reports of Australian State Government Departments Abstract Purpose: Growing concern over the environmental impact of climate change and carbon tax has increased demand for public disclosure on how government departments are fulfilling their social and environmental obligations. The purpose of this study is to identify what factors influence Australian State government...
Words: 8969 - Pages: 36
