Pre-Paid Legal Services

The Iron triangle for healthcare consists of cost, quality, and access; these three characteristics when balanced create great healthcare. Managed Care Organizations combine the three to offer consumers with care that is appropriate for their individual needs. Our book describes managed care organizations as “the cost management of healthcare services by controlling who the consumer sees and how much the service cost” (Basics of the U.S Healthcare System, Niles). Taking a look at the history prior to the Health Maintenance Organization Act of 1973 (HMO ACT of 1973) the implementation has been significant in balancing cost, and quality control. Before this Act was signed in to law by President Nixon healthcare costs were determined by fee for service. A fee for service or indemnity plan is a plan that allows the provider to determine the cost of service, this fee for service plan caused for healthcare costs to increase rapidly. An example of this would be going to the doctor with neck pain, being told to stretch then receiving a bill for 25,000 dollars. As could be understood the cost of healthcare had became a problem.

The lifetime value of a typical customer in the inactive customers segment is worth $23.

Besides the product and geographical focus, Progressive also emphasizes on strengthening the relationship with the over 14,000 agents to distribute its products and services. By discipline pricing, Progressive demands adequate rates to achieve underwriting profitability and is willing to forego volume if necessary to achieve profit objectives. It is committed to set individual rates more accurately than the competitors. In addition, they will promptly respond to claims reported by local claim adjusters, which deliver effective control of the claim resolution process.

Providing legal services to underserved communities can be both challenging and rewarding. I anticipate such a career after graduating from law school. My upbringing and experiences influence my desire to serve rural areas with limited access to legal services.

This paper was conducted as a Discussion Board Post assigned by Professor J. Reinke of: Liberty University, Graduate School of Business, Lynchburg, Virginia 24515.

Closing out the meeting was John Connolly who serves as Associate Director of Insure the Uninsured. Connolly detailed the Covered California healthcare exchange as a commercial insurance provider. Connolly spent the majority of his time speaking addressing the improvements to coverage, and eligibility changes to applicable California residents. Making a repeated and substantial effort to state how the commercial insurance exchange would work, Connolly showed the various healthcare providers that would be available to certain individuals, and an estimation of the average cost per provider. The most significant aspect of Connolly’s presentation was his outline of the new health insurance plan tier levels, ranging from “Bronze” to “Platinum”. Bronze tier coverage represented the tier with the smallest amount of payment made by the plan and highest amount of payment made by the consumer, and Platinum tier coverage representing the highest amount of payment made by the plan and lowest amount paid by consumer.

States have chosen to two forms of Medicaid managed care to better deliver healthcare services besides the traditional fee-for-service Medicaid programs; primary case management and traditional health maintenance organizations. “In primary care case management, the state Medicaid agency contracts with a primary gatekeeper entity (e.g., physician, clinic) that coordinates primary and specialty care for Medicaid beneficiaries. For healthcare maintenance type programs, a State Medicaid agency contracts with an existing healthcare maintenance organization, prepaid health plan, or other institutional health care provider who, in addition to proving primary care services, assumes insurance risk of providing covered services. Typically primary case management are paid on a fee-for-service basis plus a monthly case management fee per enrollee, while health maintenance organization plans are paid a capitation rate and are at full financial risk.” (1)

The conditional fee arrangement was introduced by the Access to Justice Act (AJA) 1999, as an attempt to transfer legal funding from the treasury to the private sector. This occurred as a result of an increasing and ridiculous growth in the cost of legal aid, namely from a few hundred million to well over 2.1 billion pounds from the 1980s to 2000. Moreover, it was not because demand was growing. Rather, number of cases relying on legal aid had decreased. Due to the need to control budget, Conditional fee arrangements are used to fund many civil cases which legal aid now excludes, and the issues brought about by conditional fee arrangements have been debated over the last decade. The conditional fee arrangements are sometime known as ‘no

The right of the accused to be supplied the right of free representation within the Australian legal system is something which is difficult to uphold and problematic, therefore is near impossible to follow through with. Within this issue there are two main stakeholders, which consist of the accused and the legal system, for example the lawyers, judges and courts within Australia.

It is a late summer morning and without air conditioning the environment at the not-for-profit law center, Northern County Legal Services (NCLS), is reminiscent of an overcrowded Department of Motor Vehicle office. The center does not have a variety of comfortable places to sit as chairs were donated or purchased. The aesthetics of the center, the lack of efficiency, and the frustration of the volunteers surely sets a negative tone for the customers who are already frustrated due to their legal woes. Customers are there to receive assistance with domestic violence, employment, family or housing law. Tempers flare among surly but needy customers who often are forced to wait past their

Paralegals are employed in a wide variety of legal settings and play an ever-increasing role in the delivery of affordable and efficient legal services. However, regulation of paralegals has been non-existent or inconsistent, though the topic continues to be a significant issue. Across the country, paralegals advocate bar associations, state legislatures and courts to consider regulatory programs that go beyond merely defining the term "Paralegal." Federally required licensing of paralegals would benefit future growth and development of the career field and address the controversial issues surrounding it.

Prepaid Legal Service (PPLS) provide a legislation service that members could receive law service by paying small amount of money on monthly bases. When members have legal issues, PPLS could access them to attorney network to sue or pay related compensation for those who have their own attorney. Therefore, members would feel that someone would back them up, and that’s the greatest value for its customers. Furthermore, they create a “Family plan” which provides a comprehensive protection for a family. Since their target customer is for middle-income Americans, it is widely accepted and the number of membership

Education of members on plan benefits and how to access appropriate level of care for these patients

“Liabilities are debts: money you owe. Every business carries some liabilities—for example, ongoing payments to suppliers, rent for your office, compensation to employees, or fees for contractors” (Mancuso, 2014). Added liabilities may result if a business is ravaged by a fire or flood or if the business owner(s) become the victim of a lawsuit—for example, a patron, client or customer decides to sue your company after hurting themselves on company property. It is the intent of this paper to examine the role and responsibility of liability in different types of businesses from sole proprietorships to

* Frontline PR is a public relations firm with 150 full time employees, consists mainly of their staff plus some administrative and operations people. Frontline is currently struggling with the cost of health care insurance