Price Discrimination In Health Insurance

A healthcare disparity is a limitation of healthcare availability, usually among a certain racial or socioeconomic demographic (Black, 2013). However, there are disparities that don’t have a specific demographic and affect the entirety of the United States, which are potentially most detrimental to the overall health of our country. One of those disparities is health literacy, or the exchange of complex information from the healthcare provider to the patient or client (Black, 2013). The lack of health literacy in America poses as a problem, especially with the chronically ill. Without proper knowledge of how to treat their illness and what to do when the disease process worsens or ameliorates can potentially cause millions of unnecessary hospitalizations,

Being a minority in the United States has and will possibly always been a struggle. With the economy being in shams and minimum wage becoming career, minorities have multiple issues that society is unaware especially in health care. A large percent of minorities are the majority of workers of America, in which requires the most of the health care distribution. But are they receiving the proper access to health care and prescription access based on their ethnicity/race? Discrimination and racism continue to be a part of the unbalancing inequality in society and have adversely affected minority populations, and the health care system in general. Analyzing some of the racial disparities in health care among Americans are modifications in both need and access. Minorities are most likely to need health care but are less likely to receive health care services, including proper drug access.

Health care expenses are a never ending headache that create numerous liabilities. Liabilities are created when goods or services are purchased on credit and obtained through short- term and long- term loans. Health care expenses create liabilities such that payments are made late or no payments are made at all. In some cases, the cost of health care expenses are unaffordable resulting in those type of payments. To prevent large health care debt, many individuals seek health insurance. Health insurance is provided by private insurance companies or by the government. It covers health care expenses and provides the necessary health care. Although, health insurance is necessary it can also be very costly.

The Medicare and Medicaid federal programs were put in place as a way to help the less fortunate. Individuals with severe disabilities or over the age of 65 qualify for Medicare. This program helps them with health coverage, so the disabled and elderly who have Medicare do not have to worry about their medical bills and not going to the hospital when they are sick. Medicaid is a similar program, however, it only applies to low income families who cannot provide for their children. Similar to Medicare, this program covers any health related problems and takes away the worry and troubles that come with hospital bills.

Many proposals to reorganize Medicare could increase the financial and health risks faced by the vulnerable elderly. Turning Medicare into a premium-support system a voucher set randomly at the value of the second-least-expensive insurance plan could shift costs to elderly households. Increasing the Medicare eligibility age from 65 to 67 will leave many Americans ages 65 and 66 without insurance. The basic idea of part A Medicare payment is simple. The patient pays a deductible that approximately equal to the cost of the first day in the hospital;

A notable discrepancy exists between health care received by the black population in comparison to the white population. However, the foundation of health care inconsistencies has yet to be firmly established. Instead, conflicting views prioritize causes of health care disparities as due to social determinants or due to individual responsibility for health (Woolf & Braveman, 2011). Emerging literature also indicates that health care providers propagate disparities by employing implicit biases (Chapman, Kaatz, & Carnes, 2013; Dovidio, Fiske, 2012). This paper aims to discuss black health care disparities as a function of socially constructed beliefs that both consciously and unconsciously influence health care professionals practice.

I was intrigued by the amount of pill bottles that one patient had in his kitchen cupboard which made me reflect on the cost of health care produced by the older adult. I began to research the cost of living longer and found that as of 2011, 24 percent of the Medicare population were over the age of 80. I also found that Medicare spending for those above the age of 85 averages around $14,745 (Neuman, Cubanski, Huaung, & Damico, 2015). So I ended up learning that the older

Healthcare disparities within racial minority groups are an ongoing issue in the United States. Factors that affect these disparities are overall quality of care, access to healthcare, and access to insurance. Numerous efforts have been made to decrease the access and quality of care for minorities. The current intervention being used is the Affordable Care Act (ACA). This act was initiated by President Obama in 2010 and has had much controversy in the past years. The main arguments are the ACA increasing the taxes for Americans and the fact that all Americans must obtain insurance if proper funds are available. In 2014 the ACA Medicaid expanded and each state had the opportunity to expand if the state believed it appropriate. Out of the 50

So why isn’t insurance for those sixty-five and older the biggest payer of long-term care? This contradiction to what you would think is a result of the restrictions put on long-term care by both types of insurance. Medicaid only sets the restriction that the person must be over twenty-one, have a medical need (verified by a doctor) for help with their daily living, and the care be given in a Medicaid certified facility. If these requirements are met Medicaid will cover nursing facilities, home health, and some day care facilities. However, each state set their own services so the Medicaid eligible services may be different from state to state (Meedicaid.gov, n.d). Medicare on the other hand does not cover long-term care that helps with the functioning of everyday life. Medicare only covers subacute care weather in your home or a facility. With the requirements being that the facility must be at a Medicare licensed facility, the patient has to be transferred from an acute hospital, the transfer must be prescribed by a doctor, and or the patient must have been released from a hospital stay within the last sixty days (CMS, 2014). Medicaid pays for long-term care users who have difficulty living everyday life, performing everyday activities, and have a lifelong medical disorder needing assistance to function at just about any age. While, Medicare pays for

Unaffordable health insurance/coverage is a major issue in the United States (US). There is a lot of coverage in the news media about The Affordable Care Act (ACA) that was signed into law in 2010 by President Obama to aid in assist in health insurance for all residents of United States.the US. The purpose of this paper is to address some of the questions most frequently asked; 1. What is health care reform and specifically what is the ACA? 2. What benefits does one see for nursing? 3. What are Accountable Care Organizations and can this improve access to patient care?

The U.S. healthcare has been dealing with disparities for centuries. These disparities can be racial, social, or economical. The disparities are easier to see when compared to other reference points, such as policies, procedure or protocol. Williams & Torrens, 2008 list several disparities when it comes to patient care, such as minorities are less likely to get diagnosed with cancer verses whites, patients with lower socioeconomic statuses are less likely to received diabetic services, and many more. In order to eliminate some there disparities it must first be recognized by others that it is a serious problem. These problems have been around for years; therefore the public must put pressure on the policymakers to promote change. In order

Health care is one of the most controversial and discussed topics in the United States. This is mainly because of the enormous issues that surround this subject matter, such as the goal of creating a greater diversity in the medical professions, the goal to reduce health care disparities, and mainly to improve health care for all. In my personal experience this issues have affected me and my family very closely. As immigrants, I saw my parents struggle with the language, adapting to a new culture and even seeking healthcare. Health care disparities is an imminent issue that affects many of us, including me. On top of the financial struggle my parents faced as immigrants, they also faced the barrier of not being understood. I witnessed how my

Health care reform has been a “hot” topic for decades now. In 2010, Obama signed into law, the Affordable Care Act (ACA) or more commonly known as Obamacare. In short, the goal was to provide more Americans with affordable quality health insurance and decrease the cost of health care spending. Everyone is guaranteed (required) health insurance or pay a penalty.

The disparities in healthcare amongst minorities, elderly, and the poor are mind blowing, but in order to help reduce disparities, there needs to be an awareness and accurate data available to assess and implement a plan to bring better quality healthcare to communities.

The Affordable Care Act was created to assure all Americans have access to affordable insurance, but as stated by Sir Isaac Newton for every action there’s an equal and opposite reaction. As more and more people become insured in this country, the for-profit insurance companies are reaping the benefits from the legislation of the Affordable Care Act.