Student Health Insurance Research Paper

Each state has their own policies for Medicaid eligibility, services and payments. Medicaid plans have three eligibility groups such as categorically needy, medically needy and special groups. Children's Health Insurance Program (CHIP) is a program that offers health insurance coverage for uninsured children under Medicaid. If Medicaid does not cover a service, the patient may be billed if the following conditions have been met such as the physician informed the patient before the service was performed that the procedure was not covered by Medicaid and if the patient has signed an Advance beneficiary Notice form. However, there are also conditions where the patient cannot be billed if necessary preauthorization was not obtained or service

HMOs are usually the least expensive health plans, offer predictable costs for health care, the least administrative paperwork, and cover preventive care (Barsukiewicz, Raffel, & Raffel, 2010). However, HMOs also restrict direct access to specialists by requiring referrals by a PCP, requiring patients to see a provider in the HMO network, and often not covering more costly procedures or care options, because care is managed to control excessive or unnecessary care. Providers gain if they provide less care (Austin & Wetle, 2012). This incentive could affect patient-provider trust.

Mental health in America is a stigmatized topic that affects nearly 20% of the population and around 1 in 4 people will be affected by a mental illness at some point in their life (World Health Organization, 2010). However, due to the stigma behind mental health, people often do not seek treatment. As for the homeless population, the rates are much higher, with 1 in 4 homeless individuals living with a severe mental illness (Jasinski, Wesely, Mustaine, & Wright, 2005). These people and this population struggles to receive adequate healthcare, but with the enactment of the Affordable Care Act (ACA) or better known as ObamaCare, there have been positive change made to help these individuals. However, the ACA is not perfect and there are

Since the early days of our nation, our founding fathers thrived for change. At the peak of his election campaign, Barack Obama promised the change the country had been longing for. He promised a health care reform and new benefits. Many presidents elected after the signing of Roosevelt’s New Deal had tried to achieve health care reform but ultimately none succeeded. Obama promised change; his change came under the name of the Affordable Care Act, a bill that was filled with empty promises. The Affordable Care Act, nicknamed “Obamacare” was supposed to benefit all Americans but instead of helping our nation's citizens, it burdened them. It burdened them with higher taxes, less hours of work, and higher costs

While much discussion has been had in respect to the legislation of the Affordable Care Act and how it would impact the citizens of the United States, not a lot of thought is given to the medical state of the inmates incarcerated in North America. According to the eighth amendment, cruel and unusual punishment should not be inflicted upon inmates (U.S. Const. amend.VIII). Not issuing the proper medication to a pain stricken cancer patient or prenatal vitamins to an expectant mother can be looked at as cruel and unusual punishment. This paper aims to determine if healthcare in the United States is unconstitutional in its delivery. Healthcare at both federal and state prisons along with detention centers will be examined for this study. I am

The Affordable Care Act (ACA) is a very controversial topic that I never quite understood until I got to read the supplemental chapter untitled “The Affordable Care Act: A Brief History, Assessment, and Future Challenges.” Throughout this paper, I will be answering five questions about the ACA. The first question has to do with listing and explaining three demographics that contributed to disparities in health insurance coverage prior to the ACA. There were many demographics that contributed to disparities in health insurance coverage in America prior to the adaption of the Affordable Care Act. Some of those demographics had to do with race, age, citizenship, or region of the country. One of them had to do with racial demographics, which

On September 17, 2009, President Barack Obama proposed a new plan for healthcare, known as the Affordable Care Act, and on March 23, 2010, the new plan was signed into law, making health insurance a requirement (United States Department of Health and Human Services). The Affordable Care Act was proposed with the intent to lower the costs of health care, making it more available to everyone. The law also aims to improve coverage and prohibit insurance companies from dropping customers or denying coverage to people with pre-existing health conditions. The Affordable Care Act requires almost every U.S. citizen to either seek coverage or pay a fine. The law expands Medicaid in an effort to help the uninsured become insured as well. At first,

Everyone in America should have health care. Nobody wants to have to pay the full price of medical costs when they visit the doctor or have a hospital emergency. This is why the Affordable Care Act should be put into action because doing so would enforce people who do not have health care to get the health care they need. Some people do not believe they need health care because they do not plan on getting hurt or sick, and if they do, they do not need a doctor. As much as we would all like to believe that, we are human and cannot always stay healthy.

|Expanded Coverage for young adults |Employers are required to cover dependents up to|Insured population will increase as well as |

uninsured rate had dropped from 18% to 13.4%, roughly a 5.6% decrease in the rate. Big

Those with the lowest income face the most risks of being uninsured. Before the Affordable Care Act, the cost of health insurance and medical care were weighted against your basic needs such as: food, transportation, rent, food and utilities. A health insurance company could charge you more, or even deny you coverage. When those who are uninsured use health care, they can be charged for the full cost of the

How many college students have extremely thought about health insurance? Attending college is a stressful time for any student. While many students are in college many should not have to worry about paying for their healthcare bills. The Affordable Care Act gives college students more options to find an inexpensive insurance. Many should consider these possible options if they are planning to attend college or seeking for an inexpensive coverage.

Health Choice Insurance Co. is a managed care organization which provides health plans beneficial for you, your family or your company. Although the company is based out of Arizona, it is affiliated to IASIS which has its presence in Utah, Texas, Nevada, Louisiana, Colorado, Florida, Arkansas and Arizona. Being a subsidiary of IASIS, Health Choice Insurance Co. provides Medicare as well as Medicaid services in Utah and Arizona area. Being relatively new in this industry, from 1998 Health Choice Insurance Co. have been successful in expanding their network to 19 acute care units and one behavioral hospital in 8 different states such as

Healthcare didn’t always exist in the United States. Before the 1920’s, most people didn’t have health coverage. Most people were treated at home and hardly anyone, except a few large employers offered healthcare. Everyone else paid out of pocket. As the population shifted from rural areas to urban centers, families lived in smaller homes with less room to care for sick family members (Faulkner 1960, p. 509). Increasing requirements for licensing and accreditation, in addition to a rising demand for medical care, eventually led to rising costs. By the end of 1920s, there was an increased demand for medical care and the costs of medical care increased.

Analyze the current health care delivery structure in your state. Compare and contrast the major determinants of healthcare market power.