...GOVERNMENT MANDATED BENEFITS Benefits May 18, 2015 Table of Contents Introduction…………………………………………………………………………………………………………………………3 Article Summary…………………………………………………………………………………………………………………3 Analysis……………………………………………………………………………………………………………………………….4 Conclusion…………………………………………………………………………………………………………………………..6 References…………………………………………………………………………………………………………………………..7 Introduction In this article, we will be summarizing and analyzing an article on “Mandated Insurance Benefit Laws: Important Health Protections for Women and Their Families”. The federal and state governments in the United States have mandated certain benefits, mostly related to health insurance. Employee benefits can consist of a variety of benefits that could become a great addition to an employee package. The article analyses the economic impact of these benefits. Article Summary There are certain benefits which have been mandated by the government which an employer must provide to its employees. Businesses use benefits to attract new employees and give current employees a greater sense of job satisfaction. The United States government has mandated certain benefits for employers to provide to their employees. Employers mostly and in some cases employees need to pay for these benefits. This article analyses the reasons behind the choices the government has made. Employee benefits are much more than health insurance, vacation time, and 401 (k) plans. Companies with 50 or more employees must also...
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...clinician” (Christine). After doing annual physical, most people feel better about their health since there is an evidence proving that you are in a good health. According to the 2002 survey conducted by the University of Colorado Health Science Center, there are 65 percent of doctors and patients think that the annual physicals are indispensable (Katherine). This result suggests that most people are unwilling to give up annual physicals, which means that the suggestion of eliminating annual checks will be difficult to achieve. Moreover, the number of people who are receiving annual physical is quite large. “About 44.4 million adults, or nearly 21 percent of the population, get a preventive physical exam annually. About 19.4 million women, or about 18 percent of...
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...Assignment 2 Financing and Restructuring Health Care Dr. David Tataw HSA 500 Health Services Organization January 28, 2012 Abstract: This paper analyses the Financing and Structuring Health Care by analyzing four important notions. Firstly it Identifies and describe the three main types of health insurances in the U.S. Secondly it explains the three methods for categorizing health insurance in the U.S. This is followed by a synthesis of the pros and cons of managed health care for the health care provider, insurer, and patient. Finally the papers describe the impact of managed care on both the Medicare and Medicaid programs. Identify and describe the three main types of health insurances in the U.S. Rodts (2010) talks about the new Healthcare system in US and the challenges it brings for healthcare providers but there is always challenge when one has to select the certain type of health cover for himself. It is therefore important to understand main types of health insurance in the US. While Hall (2010) outlined the three different types of reinsurances brought about by the health reform, Health Insurance Info (2010) notes that are a number of different types of health insurance coverage designed to meet the needs and budget of a variety of individuals. In essence, health insurance is a risk management tool that ensures you and your family has access to the healthcare you need, when you need it without causing a tremendous financial burden. The cost of health insurance...
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...Immigration and Healthcare Cost Angela Mporampora Metropolitan State College of Denver Healthcare Finance HCM 4030 Professor kelvin D. Zeller March 25, 2012 Immigration and healthcare cost Abstract. The rise in healthcare cost has been one of the most troubling economic events in recent years. Healthcare cost rises about 7.5 percent every year. The United States is known to be the nation with the highest amount spent on healthcare. Some research links immigrants to the fast paste in healthcare cost increase. Immigration became a top issue after the event of September 11th. Many believes immigration is the root cause of most of the economic problems taking place in the country today, they linked immigration to increase in healthcare cost, increase in crime rate, reason for low productivity, reason for loss of job opportunity for native- born and many more. But on the other hand, are these groups of individuals who believe immigrants are being used as “scapegoats” just because they don’t have a voice or stand in the society. They stressed the believe that even before immigration became a hot topic, the economy already had this problem in place, they denoted most research findings stating data were manipulated to support their mission; for immigrant do not visit medical establishment as often as indigenes and wonder how researchers came to the conclusion that immigrants spiked up healthcare cost. This subject is distinctly two sides and it’s difficult to find...
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...a long history. Reforms have often been proposed but have rarely been accomplished. In 2010, landmark reform was passed through two federal statutes enacted in 2010: the Patient Protection and Affordable Care Act (PPACA), signed March 23, 2010, and the Health Care and Education Reconciliation Act of 2010 , which amended the PPACA and became law on March 30, 2010. Future reforms and ideas continue to be proposed, with notable arguments including a single-payer system and a reduction in fee-for-service medical care. The PPACA includes a new agency, the Center for Medicare and Medicaid Innovation, which is intended to research reform ideas through pilot projects. ------------------------------------------------- History of national reform efforts Here is a summary of reform achievements at the national level in the United States. * 1965 President Lyndon Johnson enacted legislation that introduced Medicare, covering both hospital and general medical insurance for senior citizens paid for by a Federal employment tax over the working life of the retiree, and Medicaid permitted the Federal government to partially fund a program for the poor, with the program managed and co-financed by the individual states. * 1985 The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) amended the Employee Retirement Income Security Act of 1974 (ERISA) to give some employees the ability to continue health insurance coverage after leaving employment. * 1996 The Health...
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...Services for Low-Income Families Senior Seminar HUSC 4202 Instructor: Dr.Wheat March 15, 2012 Group 3 Presentation TABLE OF CONTENTS Chapter l- Introduction Introductory paragraphs Statement of the problem Purpose Significance of the study Research questions Chapter ll- Background or Review of Literature Literature review Definition of terms Chapter lll- Methodology Restate purpose and research questions Population and sampling Instrumentation Procedure and time frame Analysis plan Validity and reliability Assumptions Scope and limitations Chapter lV Results Chapter V – Conclusions and Recommendations Summary Discussions Recommendations References Appendix Chapter I Introduction The Department of Human Services in Arkansas offers a variety of services. Group 3 will focus on five specific services. These services include: Transitional Employment Assistance (TEA), Medicaid, Supplemental Nutrition Assistance Program (SNAP) formerly known as food stamps, Child Care Assistance (CCAP), and AR Kids First. The Department of Human Services is required by state law to: help individuals and families meet financial, medical, and social needs; assist people to become self-sufficient; and help protect children and adults from abuse, neglect and exploitation. Group 3 researched these services to investigate qualifications and use of these services. Statement of the Problem The researchers of this study discovered that residents in Arkansas are becoming...
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...The “Iron Triangle” The “Iron Triangle” is defined as “a concept that focuses on the balance of three factors: quality, cost, and accessibility to healthcare (Niles, 2011).” These three factors play a key role in making this concept work. Quality is “character with respect to fineness, or grade of excellence (“Quality,” 2010).” Cost is “the price paid to acquire, produce, accomplish, or maintain anything (“Cost”, 2010).” Accessibility means “obtainable; attainable ("Accessibility," 2010).” Although the “Iron Triangle” consist of three important factors, it is hard to have a balance between the three. In order for a healthcare system to work there has to be a balance between all three factors. Each factor in the triangle can affect the other factors. Meaning it is hard to make all three factors equal without losing a factor. “If one factor is emphasized, such as cost reduction, it may create an inequality of quality and access because costs are being cut. Because lack of access is a problem in the United States, healthcare systems may focus on increasing access, which could increase costs. In order to assess the success of a healthcare delivery, it is vital that consumers assess their health care by analyzing the balance between cost, access, and quality” (Niles, 2011). For example, if I hospital needed some new medical equipment they would probably want the best quality they could get. The equipment would be of great quality but they would end up spending a lot...
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...affordability of health insurance coverage for all Americans should be a primary concern for those who help create the laws of the land. At this date, there are roughly 44 million Americans without any type of healthcare coverage. Another 38 million people have inadequate health insurance (PBS, 2012). What this all means is that the people who need it the most are putting off seeing a doctor until last moment and then usually end up visiting an emergency room. If they cannot pay for the visit, the cost of that ER visit falls back on the taxpayers, people who have health insurance coverage, and the Federal Government. The young, under the age of nineteen, are usually covered by Medicaid and the elderly, 65 and up, are usually covered by Medicare. The people lost in the middle are mainly those aged 19-64, who are uninsured and do what they can to keep themselves healthy. When that does not work, the local health departments and emergency rooms are expected to take up the slack. Of those who may have health insurance coverage, that coverage comes through their employer. The people who have insurance through their employer make up about 56% of the population American workers, while about 11% have privately purchased insurance (Jovanovic, et. al., 2003). The people who do not have traditional jobs such as those who work part-time, work through a temporary agency, or work for a small company who does not provide health insurance, make up 29% of the American population that is uninsured...
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...Alise E. Jenkins May 24th, 2015 HCA-515 Health Care Models Analysis Hypothetical Case (basic details only): The patient is 72 year old female who smokes. She complains of extreme fluid retention in lower two limbs and lower abdomen. Breathing is difficult and she is only able to sleep while sitting erect in a reclining chair. Patient has underlying conditions: Obesity, Coronary Artery disease, Edema, Hypertensions, Dyslipidemia, Ischemia, and hx of quadruple Coronary Artery Bypass Graft. Current dx: Heart Failure Medical Model: A number of tests would be performed to analyze the extent of damage of the heart. An electrocardiogram would be one of the first tests performed to check the electrical activity of the heart and detect any type of ischemia (AHA, 2015). The tests would include X-Rays CT, and MRI scans. Also “Angiography that would allow imaging of the blood vessels” (AHA, 2015). Essentially it is creating a map of the heart. Ultrasound evaluations, echocardiograms, would also help define the amount of damage to the heart. Treatments for heart failure can vary due to underlying causes. However in most cases drugs are used to aid the symptoms. These drugs can include “beta-blockers, ACE inhibitors, and also a diuretic to help rid the body of excess fluid buildup” (CDC, 2015). Mechanical devices can be implemented into the heart too. These devices include pacemakers and defibrillators. These two mechanisms help improve...
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...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.S.C. 280-1]. Collection and Analysis of Date for Quality and Resource Use Measures This provision is about the collection and analysis of data for quality and resource use measures. It mentions that the scope of the data should involve “an increasingly broad range of patient populations, providers, and geographic areas over time.” In my opinion, it is very important to measure...
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...care delivery in the United States, it is important to understand its history to develop a working knowledge as you progress through the course. You are the curator of the first Health Care Hall of Fame Museum that pays tribute to the five most significant developments in the evolution of health care in the United States. Prepare a proposal of the five main developments you would include. Be specific and draw from your readings or other research to demonstrate your understanding of newfound concepts, theories, and vocabulary. Include evidence-based information and your personal analysis describing why these exhibits should be included and how they shaped the current health care system in the United States. Descriptions and analysis must use complete sentences. Format your proposal consistent with APA guidelines. Part 1: Health Care Hall of Fame Museum Proposal | Description | Analysis (How does the development affect the current U.S. health care system?) | | Smallpox was a world wide epidemic that was so major it caused the fall of some empires. The fatality rate was 60% in adults, and 80-98% in infants. (Baylor University, 2005). Edward Jennings found a solution for a smallpox vaccination in 1796. He took the lesions from a lady who had cowpox and injected it into a young boy who had smallpox. The young boy was cured of the disease within 9 days. This made Edward Jennings realize that some diseases could be cured by injecting a small dose of the disease into the...
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...Human Resources Research Paper 4/16/2014 Benefits There are many benefits that employers offer to their employees to attract that to work at their company. Human Resources provides benefits in six core areas, Health which includes (medical, prescription drug, dental, vision, and health care flexible spending accounts), Retirement (university provided retirement contributions and employee retirement savings vehicles), Tuition (for employees and eligible children of employees), Life Insurance (basic and supplemental life and AD&D insurance, and life insurance for dependents), Disability Insurance (short- and long-term disability and workers' compensation), Lifestyle Support (such as child care, EAP, transportation, banking, paid time off, and other benefits). In our research paper we will explore how some of these benefits affect the social, political and ethical areas of Great Britain and Australia. Life Insurance Human resource is a very difficult subject. It has so many different aspects to cover. The manual for human resource is so long but every area is important and has to be covered. Benefits are what every employee looks forward when looking for a job, though I believe many applicants don’t ask the question about life insurance. Life insurance is a touchy subject but I believe that every person should be insured for themselves and their loved ones. Not being covered whether it’s with or without your companies can leave financial hardship on your loved ones...
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...Anti-Cancer Drug Cost Regulations- Cost-Containment for the Pharmaceutical Companies Brenda Roberson University of Maryland University College Abstract Drug development is a long, inefficient, and expensive process and takes 10 to 15 years for development at a cost of about $1.3 billion (Nelson, 2014). When speaking of research and development (R&D) for new drugs; a large number of drugs that go through research do not make it to the FDA or the marketplace. Critics of pharmaceutical companies point out that only a small portion of the pharmaceutical companies’ expenditures account for research and development (R&D). The majority of the money’s spent in marketing and administration. There is also controversy over the $1.3 billion figure as an actual cost. Reported by Nelson (2014) Dr. Kantarjian of M.D. Anderson disputes the $1.3 billion figure for development; he believes this figure to be inflated to cover ancillary expenses, salaries, bonuses, stock market returns, and other indirect costs not related to R&D. The cost of cancer drug therapy is becoming impossible to justify or rationalize for both patient and society. New cancer drugs being approved by the Food and Drug Administration (FDA) are typically costing upwards of $100,000 per year and many times used in combination with other agents (Bunnell, 2012, p. 932) increasing the cost even more. These high priced anti-cancer drugs achieve only marginal benefit for the patient. Benefits achievements of...
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...around an estimate of 60% to 80% of cases. NHS Choice (2015) defines dementia as “a loss of mental ability (cognitive impairment) associated with gradual death of brain cells” (para. 2). Vascular dementia occurs when the blood flow to the brain is reduced and usually happens from strokes, it also can be caused by a variety of diseases and damages that affects the brain. One of the most common type of vascular dementia is the Multi-infarct dementia which is caused by minor strokes or (which sometimes are called “mini strokes” or silent strokes”) that at times could go unnoticed. Unlike Alzheimer's disease, there are no licensed treatments for vascular dementia (O’Brien and Thomas, 2015) Multi-infarct dementia is more common in older men than women around the ages of 60 to 75 years old. Vascular dementia is really rare in anyone younger than 65. Global, 48.5 million people have dementia, about 70% of that is Alzheimer’s and around 10% are vascular dementia, there are 7.7 million new cases every year. This case study looks further into Vascular Dementia and the people who have them and shows how a great care system and collaboration can help the patient. A case study will be conducted for the patient while using a long term nursing home. Case Description Tania Joseph, female, age 78, was recently checked into a long term nursing home. Tania was healthy until a year ago, which was when Tania was involved in a terrible car accident and had a concussion but after a couple of days was...
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...Introduction The biggest asset we can have in life is health. Health care is one of the most important components in life. Disease or illness can really mean a downturn in life. As society’s standard of living improves, so does our daily diet. Have you ever caught yourself calculating calories whenever you go through a menu? It is difficult to maintain a healthy diet when we have so many temptations. Mark Twain says it best: “The only way to keep your health is to eat what you don't want, drink what you don't like, and do what you'd rather not.” Health care is normally defined as the management or treatment of any health problem through the services that might be offered by medical, nursing, dental or any other related service. Healthcare includes all goods and services that are produced to improve health. A system of health care is one that is organized to give health services to a population or a group of people. Health care can be for an individual or for a large group of people depending on how the systems are organized. However, there are many disparities and not able to deal with demand of health. Governments have the responsibility to create or formulate policies that will favor people in this regard. Good systems of health can be erected by the top most leadership of a state. As a nation progresses, society as a whole would improves their lifestyle and seek better heath care. This is the reason why we chose to write our final project paper on the Advantages and Disadvantages...
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