The Health Of Health Care Insurance

There is a move from a noncompetitive insurance environment to a competitive one because the competition was not by hospitals to provide the best and cheapest care, but rather among the insurers to get the healthiest patients. Consumer driven plans are central to the process because they are ideal for risk selecting the young and fit who have been driven to new plans. Healthy people could watch their account balances grow which leaves the truly sick behind in traditional plans. This particular type of competition is being used to attract the healthy and in turn lead to price increases because insurers have little incentive to control the prices medical providers are charged. It is the responsibility of the patients to worry about the cost and the patient does not have the same power as the insurance competitors do. According to a key South African regulator, Alex van den Heever of the Council for Medical Schemes, “Competition based on the shifting of risk

Health care in America is a serious issue as it involves families that are unable to receive accessible, affordable and quality medical treatment. Middle class or impoverished families are unable to receive the benefits of health care due to low income levels and a volatile economy. Politicians discuss the reformation of the health care system, but people who are uninsured suffer the consequences of a system that overlooks middle class families in favor of wealthy families, a dominant issue for conflict theorists. Some argue that the health care system is not in need of reform and state that

Health insurance in the United States is a highly politicized issue. In recent years, many strides have been made to extend health insurance coverage to all Americans with the passage of the Patient Protection and Affordable Care Act (PPACA). While the program has been vigorously debated in the public realm, arguments are often centered around political ideology rather than economic theory. This paper seeks to challenge the entire structure of the current health insurance model, since its inception in the 1950s. Through the overuse of a third-party payer model, a magnitude of problems have emerged that severely diminish the efficiency of health care allocation in the United States. This paper proposes a model that seeks to correct issues of cost, access, and market efficiency by adapting the Medicare Part D payment scheme for an all encompassing insurance model.

Since the advent of health insurance in the 1950s, there have been many models of care that are come to the scene in an attempt to both control cost of care and improve quality of care. Insurance models came into being because the fee for service model used until then was proving to increase cost of healthcare without any measure of quality of services and care provided. Health insurance models have evolved from the basic hospital offered insurance to employer sponsored coverage plans. The US health system is broken both financially and quality wise with more than 20% of gross domestic product being spent on healthcare (Blackstone, 2016).

Insurance is a critical part in the health care of Americans that would use it for life threatening, unaffordable and spontaneous health issues. But instead insurance has created substantial problem because it is being utilized as a payment system for everyday primary health care and not to cure

The issue of healthcare coverage under the federal health reform has been politically debated by many Americans, including the current Democratic presidential candidates Hillary Clinton and Bernie Sanders. The healthcare reform enacted in 2010 under President Obama’s regime intended to support the ongoing healthcare system as a building block to enhance more access to health insurance coverage for millions of uninsured Americans; yet the government’s tireless effort to ensure all individuals are covered remains a major issue across the country.

Many people in the United States at some point in their life pay for health insurance or health care. Usually the people who pay for health insurance is either retired from work or are in their primes with children to care for. There are many other kinds of health care associations in the U.S., but there’s a major health insurance cooperation in today’s society that is causing problems in America’s economy and causing major drops in unemployment rates everywhere in the U.S., named after the 44th president of the United States of America, President Barack Obama, Obamacare is a type of health care system that is outrageously expensive and money consuming, putting Americans into serious debt. It had once been seen as a plan to help Americans

Health care can be described as a continued maintenance and advancement of overall health through constant provisions of medical services. Health insurance is very much needed as it serves as a protection for covered services (1279, Bonewit-West). It is important to have health insurance as it covers costs and you will pay less. Among some of these health insurances there are Medicare, Tricare, Medicaid and they all protect from financial loss without health insurance medical care would be costly. For the most part, financial burdens are mainly due from health care costs especially a burden for low income families, it has become an increasing problem regarding to this in 2010 they created the Affordable Care Act which would change the health care industry and improve the lives of others.

Health insurance is essential in order to assist in paying for hospital and clinic visits. Without health insurance cost would be astronomical and people would not be able to afford health care. Blue Cross/ Blue Shield and Health Maintenance Organization, were some of the many insurance companies widely used before the Affordable Care Act. Although health insurances existed, many individuals and families were not able to afford them due to the increase in the cost of health care. New research over the years has enabled the creation of new medicine and technology in our practice. This leads to services being more expensive for individuals, which raises the price of insurance.

Being an American guarantees the right and responsibility of having Health Insurance. Whether you have Health Insurance coverage through your job, spouse, serving in the military, it is very critical in this day in age, a person to have some kind of coverage. There are many types of Insurance you may receive and different types of organizations, such as a Preferred Plan Organization, or Health Maintenance Organization. They type of Insurance you receive is your decision as well. The history of Health Insurance beings with its revolution in the late 1920’s through the 1930’s. The beginning of employer-sponsored health plans began as a result of World War II. With the growing demand increasing into the 1950’s, other insurance agencies

The Government is a very important body as a stake in the health-care sector. Policies, Acts, and reforms are enacted and passed by the Government for adequate and better healthcare to meet the needs of its people. Insurance policies are one of the many ways that most States use to provide affordable and quality health care to every citizen. Although some of the laws may not have had a great impact towards the health-care, many have improved the services offered to the health-care consumer (Schmeer, 2016). Moreover, the government is also responsible for developing up policies which help in regulating the health

Indemnity health plans run on a retrospective payment system. A member has a monthly premium. Co-pays and a deductible. Upon visits the provider submits claims for services rendered to the insurance company, upon which the insurance company pays their part and the member is billed for the remaining balance to be paid out-of-pocket.

In the world today there are many different problems going on that should be addressed. Civic Engagement is something that everyone needs to take part in because other people can definitely use help. In my Freshman Gateway Class we have started a project dealing with the different problems going on. We have split into separate groups and have all chose topics regarding different civic engagement opportunities. The topic that my group chose is Health Care. We have broken that down into different sections to research, so I picked health insurance. I chose health insurance because it is something that is wildly discussed all over the world, it is a very broad topic, so many people have different opinions, and there is so much to talk about.

Currently, the issue of health insurance has been a bone of contention for the public regarding whether the United States government should provide this health plan or not. People often possess different perspectives and refer to pros and cons on both sides of the spectrum. While some believes a universal healthcare system will set a foundation for a lower quality of service, increasing governmental finance deficit, and higher taxes, others do not hold the same thought. A universal healthcare system brings enormous advantages rather than disadvantages, such as all-inclusive population coverage, convenient accessibility, low time cost, and affordable medical cost, all of which not only provide minimum insurance to the disadvantaged but also improve the efficiency of medical resources distribution.

The sociological structure of medical insurance within the health care system affects the choices that individuals are able to make for their own personal care. And by thinking broader, the sociological structure is the Insurance Companies and the agency is the patient including myself. As these structures define our personal choices, at times we are left with little choice in the matter at all. Insurance, within the health care system, generally dictates the patient care. Firstly, the insurance company controls what doctors a person is allowed to see. Sometimes the doctor or specialist needed is not in the network the insurance covers. Therefore, unless the patient can financially afford to pay, one cannot seek that medical specialist’s attention even if it’s absolutely crucial to the health of the patient. Secondly, the insurance company determines the amount of time for visits and these may be done in only fifteen-minute intervals. And most often, but not always, the doctor will request a follow up visit. At times, one has to ask oneself if the appointment is purposefully short so that the hospital can bill the insurance twice. Thirdly, the insurance company determines what testing and medications they will pay for and what the company thinks is necessary. Doctors are then limited to the testing they are allowed to have performed for their patients. Unfortunately, medicine and the co-pays that come with insurance is a common problem patients have when they go to pick up