A Short Note On Health And Dental Insurance

Medicaid is a social health care program that covers nearly 60 million Americans, including children, pregnant women, seniors, parents and individuals suffering with disabilities. Medicaid is the biggest source of funding for health related services and medical needs for the people with low income in the United States. This program is funded jointly by the state and federal level governments, but it is the state’s responsibility to manage this program. The Medicaid program is not a required program that states have to use, but all 50 states have implemented this program. With the introduction of the Affordable Care Act (ACA), and its passing in 2010, the ACA unveiled its plans to expand Medicaid eligibility to nearly all low-income adults as an addition to the other groups that fall into the Medicaid eligibility. The Medicaid program had “many gaps in coverage for adults” because it was only restricted to the low income individuals and other people with needs in their own specific category. In the past, the majority of the states who had adults that did not have children dependent on those parents were not eligible for Medicaid. These low income adults without dependent children would be without medical insurance assistance before the ACA was introduced. Medicaid is now available to all Americans under the age of 65 whose family income is at or below the federal poverty guideline of “133 percent or $14,484 for an individual and $29,726 for a family of four in 2011” (NSCL).

Health insurance in the United States is a highly politicized issue. In recent years, many strides have been made to extend health insurance coverage to all Americans with the passage of the Patient Protection and Affordable Care Act (PPACA). While the program has been vigorously debated in the public realm, arguments are often centered around political ideology rather than economic theory. This paper seeks to challenge the entire structure of the current health insurance model, since its inception in the 1950s. Through the overuse of a third-party payer model, a magnitude of problems have emerged that severely diminish the efficiency of health care allocation in the United States. This paper proposes a model that seeks to correct issues of cost, access, and market efficiency by adapting the Medicare Part D payment scheme for an all encompassing insurance model.

Long time ago, there was no need for health insurance in America, as doctors had many clients because their services were not so expensive and in some cases in rural areas, people could pay by giving other items. Doctors were not as knowledgeable as they are nowadays to care for the sick, therefore this didn't have much effect then on the patients, as they were treated for the basic illnesses.

The issue of healthcare coverage under the federal health reform has been politically debated by many Americans, including the current Democratic presidential candidates Hillary Clinton and Bernie Sanders. The healthcare reform enacted in 2010 under President Obama’s regime intended to support the ongoing healthcare system as a building block to enhance more access to health insurance coverage for millions of uninsured Americans; yet the government’s tireless effort to ensure all individuals are covered remains a major issue across the country.

As a future physician, I want to provide the necessary health care and guidance to children of low-income families, both here in the United States and in developing nations. Current advances in technology and medicine have allowed a vast majority of diseases to be treated, prevented, and even cured; yet, it is a grave reality that many individuals still do not have these innovations available to them. Ultimately, my goal is to act as a link between

One financial problem the healthcare industry is facing right now is healthcare collections. Healthcare collections have always been a financial problem to healthcare industries because of nonpayment from the uninsured and individuals who are uneducated about their health plans. Nonpayment to healthcare industries means a loss of revenue. A loss of revenue means that health care industries may run the risk of exhausting their financial resources and become unstable. This financial problem is very typical in the healthcare industry.

Mr. Davy Jones is a 60-year-old man that presents incontinence, nocturia, difficulty urinating, and a weak stream when urinating. The patient visited the clinic on 03/01/2017 after experiencing these issues for approximately two months. He is experiencing fatigue with not being able to achieve adequate sleep during the night due to nocturia. He is complaining of bladder always feeling full after voiding. Patient has had multiple UTI’s that was treated with antibiotics and was successful with medicinal treatment.

Many people feel that dental care coverage in health insurance and visiting the dentist regularly are not essential. However, poor oral hygiene is linked to diseases such as diabetes and heart problem. Moreover, researches has shown that oral diseases have a great link to ear and sinus infections, weakened immune systems, and other health conditions (Scully, 2000). Untreated dental conditions have the potential to affect children’s speech, social development, and quality of life. However, it is known that greater utilization of health services associated with increasing insurance coverage, thus directly increase medical costs (Finkelstein et al., 2012; Newhouse, 1996). In fact, insurance coverage can indirectly reduce total health costs. As one type of healthcare service or preventive treatment may lead to decreases the use of other covered services. For example, yearly visit to the dental office for general checkup may prevent the future need for emergency dental care due to undiagnosed or untreated dental cavity (Hsu et al., 2006; Kaestner, 2012; Shang & Goldman, 2007).

In attempting to remedy the unjust nature of the American health insurance system, one cannot determine what a just system should be based on the current assessment of society. Inequalities within the current system cannot foster discussion for what we believe is justice because preconceived notions cloud the judgment of even the foremost health policy intellectuals. Many philosophers therefore turn to creating hypothetical societies where these inequalities do not exist as a means to facilitate the discussion as to what true justice requires. Two such individuals, Ronald Dworkin and Charles Fried, have constructed such situations as a means to assess what a just healthcare system should be comprised of in a truly fair-market economy. Although they agree on issues pertaining to the resources available to individuals in a fair market, they also disagree on what constitutes justice in regards to how individuals may spend their allocations. An assessment of the disagreements between the two reveals that the main consideration for what justice demands of society boils down to the degree to which individuals are responsible for purchasing their share of health insurance as well as their fellow citizens’.

Ashley told me that the cost of the exam would be $48.00. She did not mention if it included rabies and Bordetella vaccines. When I asked Ashley if the hospital offered payments options, she informed me that I could apply for Care Credit before I came in and noted it was like a credit card for your pets. Ashley told me that I could do it online before I even get in here and see if your approved. Furthermore, she told me that if I got approved they would give me an approval number that I could use when I came in. Ashley told me that I could use it more than just for your pets. She stated, "I know some dental insurance places that take it.” She told me that she personally had it and it could be used at Rite Aid and I could buy anything except

Individual states decide whether or not to offer dental insurance for adults under the Medicaid program, explains Medicaid.gov. However, states must provide dental coverage to children covered by Medicaid.

Healthcare didn’t always exist in the United States. Before the 1920’s, most people didn’t have health coverage. Most people were treated at home and hardly anyone, except a few large employers offered healthcare. Everyone else paid out of pocket. As the population shifted from rural areas to urban centers, families lived in smaller homes with less room to care for sick family members (Faulkner 1960, p. 509). Increasing requirements for licensing and accreditation, in addition to a rising demand for medical care, eventually led to rising costs. By the end of 1920s, there was an increased demand for medical care and the costs of medical care increased.

Currently, the issue of health insurance has been a bone of contention for the public regarding whether the United States government should provide this health plan or not. People often possess different perspectives and refer to pros and cons on both sides of the spectrum. While some believes a universal healthcare system will set a foundation for a lower quality of service, increasing governmental finance deficit, and higher taxes, others do not hold the same thought. A universal healthcare system brings enormous advantages rather than disadvantages, such as all-inclusive population coverage, convenient accessibility, low time cost, and affordable medical cost, all of which not only provide minimum insurance to the disadvantaged but also improve the efficiency of medical resources distribution.

The economy plays an important factor of what people want to spend their money on. Dental/ oral health care is important to most people in today’s today world. Since the dental/ oral health industry is very big there are many trends that are arising such as the cost of dental care increase or decreasing, market of the industry and lastly global dental industry.

Discuss your test results, treatment options, and, if necessary, the need for more tests with your health care provider.