Premium Essay

Why Are Medical Insurance Companies Corrupt

Submitted By
Words 213
Pages 1
Are medical insurance companies corrupt? Explain.
Insurance companies are businesses and the sole purpose of business is to make profit. I do not see anything wrong with this in our capitalistic driven economy, but where a line is crossed is the unconscionable rise in healthcare and the cost of care that is largely driven by insurance companies. The fact that they are willing or likely to deny claims even with valid medical bills to add to their profit margin and not care that these denials are affecting human lives speaks to the loss of the soul of their business.. their businesses deals with human lives, but this human component has been largely lost and are viewed as “ objects” of their business with no regard that this translates into human

Similar Documents

Premium Essay

Big Business In America

...America has a flawed system— is not an opinion—it’s a fact (Mitchell). Anyone can be born in a multitude of places, and many people are born in the U.S or have moved there. Over 300 million people live in America, but why is it not hard to believe not everyone is satisfied with the system they are providing their citizens? The constitution gives civil liberties to those born in America by giving them the right to “bare arms” and the “right to free speech.” However, is America really free? Is there enough “share the wealth” passes in order to keep the economy stable? Or is America ruled by big business to keep the economy running financially but it still leads a corrupt system harming every citizen in the process? Big business is big corporations...

Words: 883 - Pages: 4

Premium Essay

Argumentative Essay: The Future Of Healthcare

...When I think of healthcare what comes to mind is the preventive measure an individual takes or a collective group (like a clinic or hospital) takes to ensure appropriate medical aid is met to insure an individual’s wellbeing. I do not look at it as if someone has coverage. You go to the doctor’s office you get the care needed pickup your proscription and go on your way. Money is never an issue. But we all know that not how it works. The future of healthcare is one that will require everyone to contribute and that would be patients, doctors, insurance companies and the law makers. Patients should be and need to be more health conscience and work together with their providers to treat whatever ails them. Doctors need to stop treat and start being more preventive. Stop placing band aids on wounds and prevent them from occurring all together. Hospital need to stop worry about who has coverage and put more focus on compassion with care. Putting a value on saving lives not the value of a dollar. In the end the future of healthcare resides with congress. And we all know that congress in corrupt and they are playing Russian roulette with healthcare. The need to left provision on Medicare as well as putting those pharmaceutical companies in check....

Words: 632 - Pages: 3

Premium Essay

Hmo vs. Nhs

...world. One of the countries that have socialized medical care sits directly above the United States. It is Canada. The horror stories I heard about the HMO has made me think twice about our health care system. Can we honestly say that we are doing everything we can to ensure all Americans (from the bottom of the totem pole to the very top) get the quality medical treatment they deserve? This movie has inspired me to compare the two and venture into the world of politics; a topic many individuals would astray from. All my information and resources are congregated from this very movie. HMO Approximately 250 million Americans have Medical Insurance. There are about 50 million Americans who do not have the luxury of being medically insured. 18,000 Americans will die of no insurance this very year. These are numbers that are hard to fathomed; even harder to grasp as only a statistic. These are not just numbers; they are actual Americans who have been wronged by our very own health care system, and died as a result. Let’s start from the beginning. How did the HMO start in the United States? Who were the “brains” behind this operation? Feb 17, 1971 Richard Nixon and Edgar Kaiser came up with HMO plan. The Idea was to charge all Americans for health care and then deny coverage. This concocted idea of theirs fell into place exactly as they planned. As the years went by, more and more Americans were treated less and less for medical care. The HMO stocks were doubling. The HMO was profiting...

Words: 2073 - Pages: 9

Premium Essay

Why Should Healthcare Be Free?

...Jerrica Miller English III 2/19/2016 “Why Healthcare Should Be Free?” As Marcy Jackson walked to the counter of the Healthcare information desk, she took a deep breathe. Marcy had been to the healthcare desk once before about 4 months ago and she was denied access because she was overweight. So Marcy thought if she lost the 13 pounds within this month, she could go back and reapply. Walking up to the desk, she was accompanied by her daughter, who was 6 –years –old, Anna Jackson. The receptionist asked her, “How can I help you today?” She replied, “I am here to re-apply for healthcare.” She received the forms, filled them out and was told to wait for a phone call in a couple of days. A few days went by and Marcy was away at work and missed the call from the Healthcare organization, but they left her a message on the answering machine. The message said, “Hi, sorry that you missed our call. I am a representative from the healthcare organization that you applied to a few days ago. I am so sorry that because of your weight, you have been denied access for affordable healthcare. If you have any questions you can contact us at your local healthcare location. Have a nice day.” Marcy fell to her knees she could not believe what she had just heard. She tried so hard to lose the weight and just when she thought it was enough, she failed again. Marcy worked two jobs just to keep things in order and being able to afford healthcare for her and her daughter, just was not enough. And this should...

Words: 1738 - Pages: 7

Premium Essay

Draf Questions

...face. Upon accepting the representation of Bill and Hillary my supervising Attorney ask me to prepare and gather all the information necessary to help the client with the representation, at these time Bill has being return to work and had hard time to do the work due to the injuries he received in the accident, and also he continue to incur in more medical expenses. Bill also mention that his HMO has paid some of the medicals expenses, when it should be the responsibility of the insurance company. With Bill consent and permission I call the doctor the Doctors office to get copies of all the medical records and expenses, I also ask the same from the HMO to get as much information before drafting the questioner for Bill and all the witnesses. The medical record arrive by courier from the doctor's office ( the firm is charge $100 dollars for the delivery) at the same time the HMO send via fax the record. While analyzing and comparison the medical records and charges notice several discrepancies in what the doctor office charge and the HMO payment for the services, even charges that the HMO paid the Doctor is not reflect in the medical records, for example there some laboratory charges for hemodialysis over the course of four months that come to the amount of $ 540.00 dollars per test, the doctor...

Words: 1756 - Pages: 8

Premium Essay

Building an Ethical Organization

...September 23, 2012 Jennifer McNaught Building an Ethical Organization Today it is more important than ever for an organization to be seen as an honest and ethical organization. There is a long list of organizations that make the list of unethical organizations. Companies that abuse the public trust and are perceived to be abusive to clients, are dishonest, and give poor service make the list of unethical organizations. We have all seen the reports on the banks and scandals like Enron. We see daily the retail stores singled out or being sued for the mistreatment of employees. The list of ethical organizations is a much shorter list. This list is made up heavily of nonprofits such as the Salvation Army, Red Cross and the Susan G. Komen Foundations. What makes an ethical organization? “Many business experts treat ethics like a sermon on the mount. Although it is hard not to preach a bit when it comes to ethics. It’s interesting to consider how good ethical behavior is why the great companies are just that “(Mathews, 2012, pp. 1). There is a large movement today for organizations to be seen as an ethical organization. While it is possible for existing organizations to be fixed, it is best for a company to start out on a solid ethical foundation. “There are eight elements that comprise the ethical bedrock of an awesome organization. These elements are respect, honor, integrity, customer focus, results-oriented, risk-taking, passion and persistence. Consumers, clients...

Words: 2378 - Pages: 10

Premium Essay

Health Care Fraud Feb 2011

...top priorities of the Department of Justice, just behind narcotics interdiction (Lovitky, 1997). Health-care fraud typically involves violations by way of: overutilization; up coding; billing for services not provided; failing to provide necessary services; and filing false cost reports (Lovitky, 1997). Fundamentally, overutilization is defined as providing medical services not needed or required. In the process of overutilization, fraud takes place when more services are provided than what the situation calls for, or when medical services are never performed and still billed to the insurance company (Lovitky, 1997). Up coding, according to Lovitky (1997), involves Current Procedure Terminology (CPT). The CPT code accurately describes medical, surgical, and diagnostic services and it is designed to make medical services and procedures consistent among physicians, coders, patients, medical organizations, and administrative, financial, and analytical personnel. Fraud occurs when the code assigned reflects a higher level of service than the service provided. Billing for services not provided occurs when a bill for medical service is submitted without the service ever taking place. This scheme, deliberately performed for financial gain, is known as “the...

Words: 2023 - Pages: 9

Premium Essay

Sicko

...Ryan Jensen Paper #2, 201C 12/11/12 Mr. West Michael Moore’s Sicko: Good Health Equals Bad Business Senator John Kerry once said, “It is time to speak and stand up again for the ideal that in the richest nation ever on this planet, it is wrong for 41 million Americans, most of them in working families, to worry at night and wake up in the morning without the basic protection of health insurance (Health Care Quotes).” The United States of America is the wealthiest nation in the world and ranks number one in terms of health care spending per capita. It is also the only wealthy, industrialized country that doesn’t have a universal health care system. It’s. It ranks no higher than 36th in life expectancy, infant mortality and male and female mortality (Murray). So if the U.S. is spending so much on health care, why are we not seeing better results for its citizens health and what can we do to make it more efficient? In Michael Moore’s film Sicko, he shows us several people’s experiences with their respective countries health care system. He takes the viewers to countries such as France, England and even Cuba to show us other various types of health care systems. What I first noticed after watching this documentary was the different opinions and views regarding health care between Americans and people from foreign countries. Moore shows how the American point of view has a very condescending and distasteful outlook on how our health care system is ran. With the use of...

Words: 2362 - Pages: 10

Free Essay

The What If Factor

...about society being able to follow and uphold a moral compass while our technological capabilities advance, which is extremely easy and practical for a religious leader to say. What if the Dalai Lama is extremely wrong and biased in his outlook on what the world will look like after such major medical advances? The Dalai Lama says there may be many consequences of science on culture and society. In all reality, consequences will never be known unless; these medical and technological advances are introduced and tried out. Consequences and effects play a very major role in science; it is all trial and error. The Dalai Lama may try to give the good and bad sides of these advances; however, they are vague and cannot be taken as the “doctrine” or “moral compass” for society. The Dalai Lama comes from Tibet, a place where people are not as nearly as modern or technologically advanced as Americans or other world powers. Tibetans have totally different priorities, morals and outlooks on life. So, how could the Dalai Lama expect for modernized people to follow his guidance when he comes from a background that lives for the future and not the present? In reality, the world is having so many medical and social issues now, from the swine flu outbreak to the present state of our economy. Do we forget about these present issues and just focus on a future world that may not even be here in the near future with or without the effects of science and technological advances? Genetic engineering...

Words: 1615 - Pages: 7

Premium Essay

Business Ethics

...prudent person” BE INFORMED 3. “In manner reasonably believed to be in best interest of corporation” Comparison to a Professional’s “Duty of Due Care”: 1. Duty of Care 2. Breach of duty of care by a reasonably prudent professional 3. breach causes damages that were foreseeable. 4. Negligence Theory: , Can negligence be criminal—US v Parks case Yes! If informed of an issue, should follow through and ensure action was taken (supermarket example) States’ Differing Public Policy on role of stakeholders in making a decision that is in the best interests of the company * Half of the states say the officers and directors can take into account stockholders and other stakeholders (employees, customers, supplies, communities). * Pennsylvania and Indiana allow officers to place the interests of stakeholders above stockholders Why most companies choose Delaware to incorporate Management friendly. Example: business judgement rule Drucker’s Aristotelian statement--aligning a company’s competencies with societal problem “Organizations have a responsibility to try to find an approach to basic social problems which fits their competence and which, indeed, makes the social problem into an opportunity for the organization.” Peter Drucker Aristotle’s Eudaimonia—”full flourishing” if one practiced virtues/excellence for the public good...

Words: 2010 - Pages: 9

Premium Essay

Conflict

...The movie “John Q” is filled with ethical and moral dilemmas throughout its course. It gives us a clear notion of the duties of public servants, and private administrators with regards to ethical decision they face in the daily execution of duties in communities they represent. In this analysis, I will explore the ethical and moral values of the main characters in the movie in performing their various official capacities. I will also elaborate on health insurance coverage by defining and reviewing the difference and similarities of PPO and HMO. Below is an ethical analysis of the characters in the movie “John Q.”: First of all let me explain what the movie is about before touching on the moral and ethical dilemmas of the characters. The director of this movie Nick Cassavetes reveals a social issue in the health care industry. He explains the ordeals of John Archibald, whose son has a serious cardiac condition that requires urgent surgery. John did not have an appropriate health insurance policy to cover the cost of the operation; the hospital chooses not to take the Good Samaritan route, and refuse to proceed with the operation. Therefore, John Q is confronted with a moral dilemma to accept fate and prepare for his son’s funeral as the Hope Memorial Hospital administrator, Rebecca Payne have suggested, or raise funds for the cardiac operation, which is a daunting task considering the time and emergency nature of the situation his son is in. John decided to take the...

Words: 2607 - Pages: 11

Premium Essay

Necessary Changes for the Family Medical and Leave Act

...Michael Collins Presents: Family Medical Leave Act Abuse: Regulation Changes are Necessary for Today’s Workforce. In partial fulfillment of the requirements for English 215 Research and Writing Summer 2014 To: Professor Sgroi, Course Facilitator Department of English and Humanities Strayer University—White Marsh Campus White Marsh, Maryland Family Medical Leave Act Abuse: Regulation Changes are Necessary for Today’s Workforce. Abuse of the Family and Medical Leave Act regulations by reciepients is a common practice that affects those who depend on the regulation. When Interminttent FMLA leave is requested, employers often find employees abusing the leave, when the leave is not necessary. When Intermintent FMLA leave is exploited, it affects those who do not abuse the regulation; by adding more stipulations to time allowences and even lessening the time granted for those who do not abuse the leave. This has become a major problem with employers and employees. The Family and Medical Leave Act must be changed, in order for it to protect those who it is intended for, and not as a “work when I want” for those who it is not intended for. The history of FMLA started in 1984 when the first draft of the legislation was written by The National Partnership for Women and Families. The Family and Medical Leave Act passed in Congress in January 1993 with bipartisan support. President Clinton signed the act with it being one of his first accomplishments...

Words: 2406 - Pages: 10

Premium Essay

Successful Implementation of Health System Reform

...1.0 INTRODUCTION. Health is very crucial in providing the enjoyment of life of every human being. Health indicates to a status of human body that has not sophisticated any problems such as high blood pressure, heart problem and also exposed to other infectious diseases. A healthy person can certainly play an active role in the development of religion, race and nation. World Health Organization (WHO, 1948), states that health is a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity. This definition asserts that health supported by physical, mental, social well-being, functional, robust, and is not threatened by any disease that can be harmful to human beings. There are many countries that still burdened by infectious diseases such as dengue fever, malaria, tuberculosis and waterborne diseases due to natural disasters such as tsunamis, floods and landslides. Although this health crisis can be controlled, precaution step should be made ​​to predict and plan the early action if a similar crisis hit again especially to our country. Health and welfare of the citizen is the key for Malaysia or other country to achieve their objectives of economic and community development. Improved in health system contribute to labor productive and is core to make any country to become better. Malaysia has implemented the best in expanding their health services to the public. Malaysia health care system has...

Words: 10384 - Pages: 42

Premium Essay

Doc, Docx, Pdf

...Feature of the Organization 16-18 Strategy of the Organization 18 SWOT Analysis 18-19 Social Commitment 19 Human Resource Planning 20 Human Resources Development 20-21 HRIS/ Staff Record 21 Classification of employees 21-22 Job Analysis 22 Job Description 22 Job Specification 22 Job Evaluation 22 Recruitment 22 Recruitment Policy 22 Recruitment Committee 23 Recruitment Procedure 23 Recruiting Sources 23 Internal Search 23-25 External Search 25 Selection 26 Selection Committee 26 Selection Process 26 Initial Screening Test 26 Completing the Application Test 26 Employment Tests 26 Comprehensive Interviews 26 Background Investigation 26 Conditional Job Offer 27 Medical and physical examination 27 Permanent job offer 27 Training and...

Words: 10652 - Pages: 43

Premium Essay

Hrm in Dbbl

...Core Objective of the Organization 15-16 Specialty/ Feature of the Organization 16-18 Strategy of the Organization 18 SWOT Analysis 18-19 Social Commitment 19 Human Resource Planning 20 Human Resources Development 20-21 HRIS/ Staff Record 21 Classification of employees 21-22 Job Analysis 22 Job Description 22 Job Specification 22 Job Evaluation 22 Recruitment 22 Recruitment Policy 22 Recruitment Committee 23 Recruitment Procedure 23 Recruiting Sources 23 Internal Search 23-25 External Search 25 Selection 26 Selection Committee 26 Selection Process 26 Initial Screening Test 26 Completing the Application Test 26 Employment Tests 26 Comprehensive Interviews 26 Background Investigation 26 Conditional Job Offer 27 Medical and physical examination 27 Permanent job offer 27 Training and Development 28 Employee and Management training 28 Employee and Management training methods 28 Orientation of new employees 28 Employee Training (Probation) Period 28 Career Development 28 Educational Leave and granting condition 29 Transfer, Termination and Other Disciplinary Action 29...

Words: 10625 - Pages: 43