State Health Case Study

Pear, R. (2015, November 14). Many say deductibles make their health law insurance all but useless. The New York Times, p.

Margaret, who is self-employed, paid $6,000 for medical insurance coverage. She can include the $6,000 when calculating her medical expense deduction.

A health insurance plan pays for medical care only after the insured has first paid $500 out of pocket on an annual basis. The $500 annual cost is called

According to Austin and Wetle (2012), employers covered 83% of premium costs for single coverage and 73% for family coverage in 2009. The employee, or beneficiary, paid the difference. Then, the health insurance company pays the provider directly.

The patient is informed about their coverage and the amount of copayment they would have to pay.

Co-pay up to 10% for people 70 years or older and low income (if qualified).

tier, they can ask the patient’s plan for an allowance for a lower co-payment. Mrs. Zwicks’s part

1). Private health insurance is another way of paying for health care. The associated costs of health care are offset according to the policy the person has purchased. Private health insurance costs are paid by premiums, deductibles, and co-payments from the insured person. There is also the portion of people who are uninsured and are considered self-pay patients. These uninsured patients represent a large part of unpaid services. Although, not all uninsured patients leave bills to be absorbed by the health care system many do, and this increases the costs of health care to be absorbed in other areas.

plan, you will typically have no deductible and the co-payments often range from $10 to $20

The employer does not offer minimum essential coverage to at least 95% of its full-time employees. The shared responsibility payment will be $2000 per full-time employee less the first 30. Payment will be due on all employees, even if they accepted minimum essential

They also have to pay a deductible, a certain amount of money that the individual (also referred to as ‘the insured’) must pay before an insurance company will pay a portion of their medical expenses (or ‘claim’), when they choose an insurance company. Healthcare coverage is the amount of protection given by the insurance company.

Co-pay - The amount of payment expected at time of service for doctor, dental, and other medical appointments and is not covered by insurance.

Insurance (general liability, workers' compensation and property casualty) coverage at a total premium of $2,400.

Reimbursement is costs or repayment for health care benefits. In the United States health benefits are often provided before the payment is made. End result physicians, clinics, hospitals, and other health care contributor establishment request reimbursement for health services provided in addition to expenses incurred. Presently reimbursement of claims for healthcare service depends on the appointment of medical codes to explain the diagnosis.

“Benefits available through payroll deductions are classified as two types (mandatory or voluntary” (Personnel Handbook, 2008). Mandatory deductions are required by law. The mandatory reductions are federal income tax withholding and state income tax withholding, teacher’s retirement, public school employees retirement, social security/old age, survivors death insurance tax, and Medicare tax. “All full time employees have the opportunity to elect to participate in voluntary deductions” (Personnel Handbook, 2008). Some of the voluntary deductions include dental insurance, credit union, disability insurance, life insurance, medical/hospitalization, and etc.