Persuasive Essay On Life Insurance

US health care is one of the most talked about or controversial topics in last few years. We often come across debates, articles or columns relating to this topic. This is a hot topic of this generation. Why everyone should have insurance? Why people should have for something that might not use? These are some of the questions we found ourselves surrounding by. In my opinion US citizens should be required to have insurance. Both men and women have separate needs when it comes to health. More women are facing health issues because of teen pregnancies and child birth, it is important to for everyone to have a health care plan according to their needs. So when the time comes right treatment and medical attention can be provided. In this piece I will be presenting some ideas and arguments supporting my side and also looking at the flip side of the discussion.

According to the World Health Organization, mental illness will affect approximately 25% of people at some point in their life (“WHO Qualityrights”, n.d.). Despite that, the current mental health care system in the United States is inadequate. Many aspects of the system need improving, especially the barriers to service. In fact, approximately 20% of individuals are left without necessary treatment for their mental health disorder (“Mental Health”, 2016). Mentally ill individuals have difficulty accessing necessary mental health care services for various reasons; insurance, socioeconomic status, and mental health stigma can all function as barriers to treatment. Insurance discrimination can make it difficult for individuals to find treatment (Han, Call, Pintor, Alarcon-Espinoza, & Simon, 2015). Gaps in insurance coverage can also be a barrier, as they disrupt the long-term treatment process (Gulley, Rasch, & Chan 2011). Socioeconomic status has been found to negatively affect appointment scheduling (Kugelmass, 2016). Finally, stigma in our society can also stop people from seeking out treatment that they need (Bathje & Pryor, 2011). The mental health system in the United States is not capable of caring for the mentally ill, as insurance, socioeconomic status, and perceived stigma all act as barriers that prevent people from receiving the treatment they need.

An interesting finding by Huskamp and Iglehart (2016) is that between the Mental Health Parity Act (MHPA) and the Affordable Care Act (ACA), there should be a rise in people with mental illness seeking services, however, services are underutilized more than ever (Huskamp & Iglehart, 2016). According to Bendant (2014), in 2013 a total of 47 million people uninsured and 25% of those suffer mental illness (Bendant, 2014). These numbers are staggering for a service that is more inclusive now more than ever. The Center for Medicare & Medicaid Services (CMS) site indicates that the MHPA is regulated differently depending on the state (CMS, n. d.). The Department of Labor (DOL) has identified a few problems with the MHPA and addressed these issues to Congress via a 2017 report (DOL, n.

In the United States alone, approximately 20% of Americans experience a mental illness in a given year, and 1 in 25 Americans live with a serious mental illness that significantly impacts one or more life activities (NAMI.org, 2015). These disorders span across the lifetime, many starting by the age of 14, and mental health care is often the root of progress or hindrance for a person whose life is impacted by these unseen disorders. Though it is not always evident that an individual is experiencing mental illness, these complications influence the daily lives of millions of people worldwide, regardless of age, culture, race, religion, or other delineation. As a result, it is vital that this sector of healthcare be thoroughly examined for inefficiencies,

Mental illness is nondiscriminatory, can affect any person and transcends all social boundaries. As a result, the issues surrounding mental illness have become common discussion pints among policymakers dedicated or required to formulate solutions around providing the long-term care needed by many patients. Healthcare reforms and changes to the systems that provide services to those living with mental illness and funding for services to the facilities providing care have become major social issues (Goldman, Morrissey, Ridgley, Frank, Newman, & Kennedy, 1992). The reason for this is primarily how it can affect a market economy and how much of a burden diseases of the mind can be in a country such as the United States. According to the 1991 Global Burden of Disease study conducted by the World Health Organization mental health burden accounted for “more than 15% in a market economy such as the U.S.” (The Impact of Mental Illness on Society, 2001). The study also states that for individuals over the age of 5, varying forms of depression are the leading cause of disability. A more recent study indicates that mental illness in general is found in more than 26% of the United States adult population, of which 6% are severe and limit the patient’s ability to function (Martin, p. 163. 2007).

Emotional and cognitive well-being are phrases used to describe mental health. Positive coping mechanisms and an assessment of suicide lethality are assessments providers consider when identifying a psychiatric patient. Those that suffer from mental health disorders are every- where, they are our neighbors, friends, family members, and our patients. When someone can no longer cope with stress is usually when some type of intervention is sought or furnished. This fractured mental state is very fragile and has great potential to deteriorate

Seeking to improve care and lower costs, Florida became the first state to offer a Medicaid health plan designed exclusively for people with serious mental illnesses, such as schizophrenia, major depression, or bipolar conditions. The plan offered by Connecticut-based Magellan Complete Care - is part of a state experimentation to co-ordinate physical and mental healthcare for those enrolled in Medicaid. Mental illness is a big driver of Medicaid costs because it is twice as prevalent among beneficiaries of the public insurance program for the poor as it is among the general population. Studies show that enrollees with mental illness, who also have chronic physical conditions, account

What is left is that we have many citizens who are mentally ill and are not receiving treatment. However the patients who are able to receive treatment are only able to have some treatment covered. Health insurers are responsible for covering the immensely large cost of substantial treatment, a mixture of medication and therapy; since therapy is highly priced, less reliable, and time consuming; patients typically do not receive treatment for therapy. Health insurers would much rather cover medication because it is cheaper, it heals patients faster, and it is more reliable than therapy. However, medication is not made to heal, but to only coax symptoms of a mental illness (Sandberg).

Even though some people believe universities will lose money if they insure all athletes with medical insurance. I believe the NCAA should give health insurance to athletes because families can only pay a certain amount of the bill, the athletes that go to the school bring in millions of dollars, and the NCAA covers bills up to $90,000 but don't exceed it. Colleges should be responsible for the athletes that commit to playing a sport in college with the possibility of getting an injury and not being able to fully recover and get back to a normal lifestyle.

Although many people seek mental health care, some with severe mental illnesses, they're generally not a threat to other people. However, as Winkler (2014) said, we clearly have to start re-thinking our laws to figure out if we can capture more people on the prohibited purchasers list who have mental

There are several different forms of insurance like health car home and renter's insurance and one of the most important and overlooked things of insurance and there is lots of overlooked people and an overlooked market of people in dire need of insurance and for new people it can be hard to find the right type of insurance for new insurance users there is large need for people and also there are lots of things that are important in how there are lots of people who relied on the affordable care act[thinkprosses 2016]those people are now not insured those people have a natural right of being insured and there is a need and a right to insurance.people should be provided with mental health insurance bease,as a human all people have a natural right to medicion-

Lack of access to mental health care and treatment is one of the top ten reasons that many mental health conditions go untreated. Many private and group health insurance plans only include minimal mental health care coverage or do not incorporate mental health care coverage at all. Over half of adult citizens of the United States of America, who possess a mental illness, do not obtain mental health care treatment. According to the U.S. Department of Health and Human Services, one out of every five adults in America have endured their own mental health difficulty, and one out of every twenty-five American adults suffer from a severe mental illness, such as major depression, schizophrenia, or bipolar disorder. (Top 5 Barriers to Mental Healthcare Access, Social Solutions.com, 2017)

Just last year 1 in 5 Americans suffered from mental illness. Everyday Americans and people in other countries are suffering because of mental illness and they should be treated to matter the cost. Mental health has just as much effect on the body as does physical health. Which that comes to my essential question. Should health care companies cover mental health treatment? One side says yes because that would help millions of people with getting treatment because the cost is too extensive for them. But on one side of the claim some people say that the cost is too severe to cover everyone’s mental health treatment through insurance. Nevertheless, It is extremely essential that no matter the cost that people are being treated for their mental illnesses. Many people are suffering from unfair treatment from insurance companies with mental health issues to prove that I will talk about that people really do suffer, that mental health patients really do want help and lastly that it is legally deemed to be treated the same insurance wise.

With the ever-increasing amount of people on the road these days, more and more accidents occur. If you wind up involved in an accident, having an in-car camera installed will protect you from wrongful blame when you're not at fault. However, that's not the only reason for putting a dashboard camera in your car. There are several other advantages of having mini dash cams installed in our vehicles. Below I have listed a few of those advantages.

One in five adults has a mental health condition, that's over 40 million Americans; more than the populations of New York and Florida combined (Mental Health in America, 2017). More Americans have access to health care services by the Affordable Care Act. Access to insurance and treatment increased, as healthcare reform has reduced the rates of uninsured adults. The greatest decrease in uninsured adults with mental illnesses was seen in states that expanded Medicaid, but most Americans still lack access to care; 56% of American adults with a mental illness do not receive treatment (Mental Health in America, 2017). Even in Maine, the state with the best access, 41.4% of adults with a mental illness do not receive treatment (Mental Health in America, 2017). There is a serious