Health Insurance Culture

Financial burdens greatly limit the system’s accessibility; however, many in the U.S. are unable to fully utilize either option. Census estimates from 1999 indicate that 43 million Americans live without health insurance even though 75 percent of them have a full-time job or live in a household with at least one member working full-time (Mueller, , 5) In addition to the totally uninsured, census estimates also reveal that approximately 42 million other people in the U.S. are underinsured. This means that they have some insurance, but are still unable to afford all of their needed prescriptions, tests, visits to physicians, or hospital

So why don’t these people get insurance? Well, as is so often quoted, “money makes the world go round.” When it comes to health insurance however, it is not the world, but only America that seems to have a problem with providing health care for a reasonable price to its citizens. 55 percent of uninsured people answered that the reason they are without the safety of insurance is the reason everyone expects--they cannot afford it (NRHA 1).

Healthcare inequality mainly revolves around the disparity in the quality of health and health services among different population groups in the society. It touches on the accessibility of health insurance and thus the accessibility of quality healthcare services among the different population groups. There disparities in the access to quality healthcare among the different races and ethnicities, social classes and between the two genders. These disparities are mainly influenced by and are reflective of the differences in access to health insurance among these population groups. These disparities ultimately lead to similar disparities in healthcare services access, health outcomes and the presence of disease among these different population groups. There are several factors that influence access to health insurance and quality health services, referred to as determinants of health among the populations. There are cultural, environmental social and economic determinants to health which create an unfair playing ground for the different population groups in American society. This paper examines the social determinants to health, the extent to which they affect access to health insurance and quality healthcare and ways in which they can be reversed to enable equal access to health insurance and health care services among these populations. The issue of disparities in access to health insurance and by extension access to quality healthcare services is important because it affects

Refining the culture in the health care sitting to promote patient safety. Health care system that have achieve reducing harm to patent have a culture that promote safety from the top administrator, physician and other health care providers. To develop teamwork inventiveness in which several hospitals work together to identify and share best practices. Regulating the level of care, by educating health care providers and setting standard way of providing experience-base care. Using tools to recognise harm, for instance, ‘’Global trigger tools’’. Come together in agreement imbursement incentive and forming policies not to pay for serious adverse event. According to research, medical and Medicaid services (CMS) in the year 2008refused to no reimbursable

Health insurance is provided by Medicaid and Medicare to elderly and disabled people and poor children. People working for large companies receive health insurance through their employer. Unfortunately, people working for small businesses, those self-employed, and the working poor are left without options to purchase health insurance at an affordable cost. This creates a divide between the haves and have-nots in terms of health care. Those who have health insurance will access the care they need, but those who do not have insurance will go without. This may include primary care interventions such as immunizations and regular health screenings. Rising health care costs have a direct effect on the number of uninsured individuals and, therefore, a direct effect the number of individuals that can access care.

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.

In today’s society, there is still a great struggle with health care disparities and many lives are affected by the lack of this fundamental program in our society. There are millions of people who die each year because they are unable to afford quality healthcare. The debate still continues about healthcare inequalities, what causes this disparity and who are affected by it. Health care is more of a necessity rather than a luxury and even though skeptics may argue to the latter, it only underlines the importance of the need for the wellbeing and care of individuals. There are several factors that could contribute to the lack of health care in the United States which ranges from but not limited to race, gender, socio- economic status, and lack of insurance coverage. The truth is there is a great disproportion between who can really afford quality healthcare as appose to individuals who have it. One would imagine that an employed individual would easily afford quality healthcare but we could be no further from the truth, since one’s economic status is an essential determinant to its affordability.

This report is gives a look at numerous factors affecting healthcare and how a lack of insurance has implications to not just the individual, but society as

In America, we not only have the problem of the non-insured but the under insured which causes just about as much problem as the underinsured. Each group has contributed to the vast growing cost of healthcare. Over the last decade or two, the amount of uninsured has risen due to the job market in the economy and the fact that most insurances are tied to employment, which is also a problem as the unemployment rate rises. The purpose of this paper is to explore this issue.

The complexity of health care could take the rates on a massive trajectory that does not favor the people covered. Therefore, the financial protection that the levels of health insurance covers, help to guard against the risks related to the unexpected costs of health care. The source of coverage could still have an impact by the insurance coverage and financing alternatives that one has access to; Conversely, private insurance, social insurance, and the national health services are the types of healthcare systems by funding and provision. As we look to health care coverage and the reform of Obamacare, I’ll analyze the impact of the uninsured in the industry and look for a resolution to improve the

In the United States, there are many health insurance offered in the market for its citizens. Either through their employer or in the private market where coverage in not guaranteed and if you have a pre-existing condition, you will likely be denied. As private insurances soars, high premiums becoming unaffordable in the US, having the healthcare system failing to cover over 46 million Americans and leaving millions uninsured leading to bankruptcy (Palfreman, 2009). As most of the developed countries have removed the dependence of the health insurance

We live in the United States, “The Land of the Brave and Home of the Free.” However, the United States is the only developed country that does not provide guaranteed insurance coverage for all citizens and they’re thereby doing not ensure access to health services (Government hub, n.d.). Meaning other countries offer health coverage without cost. This always disappointed me because America is the richest, and most unequal, country (Sherman, 2015). So why wouldn’t America provide American’s health care insurance (McAlearney, 2003, p. 20). Since the United States does not provide universal health care coverage, we will discuss briefly forms of insurance offered to Americans, the categories of insurance and how individuals qualify for coverage and Affordable Healthcare Act (Obama Care).

Health care has been the talk of many debates lately. There are populations of people that are living with chronic illnesses, or just not obtaining the kind of care they need. This paper will diagnosticate what factors are exacerbating and meliorating this problem, including: health insurance policies, cultural influences, and accessibility. This examination points out limitations in the overall system of United States healthcare, and will provide two possible approaches that community psychologists would take to address this social problem.

The United States is world renowned for having the best health care if not the most accessible. Citizens have at their disposal a plethora of hospitals, physicians, and therapists to improve their well-being. Statistical data was taken back in 2010 under the Central Texas Region and studied health care coverage and income in regards to the community. The data displayed in the surveys heavily suggest that income/ health in general have a high correlation. The issue that arose with the given data imply that those who are on the lower end of the income spectrum subsequently have no health care coverage and poorer health than those with higher income. In any case with high correlation there are a number of factors influencing the statistical evidence, and in this case sociological barriers are present in regards of inequality and health care.

“Demographics of the US population have changed dramatically in the last three decades. These changes directly impact the healthcare industry in regard to the patients we serve and our workforce” (Borkowski, 2012). In fact, Voutsas (2011) argues that the U.S workforce is the most demographically heterogeneous workforce in the world and he believes that this is due to major changes and diversity .Borkowski (2012) also states that the significant changes in the US populations has been seen greatly in regards to gender, age ,and race and ethnicity .