The Problem With Medical Insurance

Health insurance comes as second nature to many of us. We grab that blue and white card and put it in our wallet and forget about it until we are sick or injured. When this happens, there it is, cushioning our fall like the extra padding it provided to cushion our wallets. This is not the case with everyone, however. Many Americans have no cushion to fall back on, no blue and white card to show the emergency room when they have an unexpected health concern. No HMO with a convenient co-pay amount when their son or daughter develops an ear infection.

More and more people in the United States are running into issues with its Healthcare System. People in the United States depend on its Healthcare System to take care of them, but many of them are not receiving the care they need. There are many issues in the system, and until they get fixed, people will not be receiving proper care.

In “The American Health Care Paradox”, Elizabeth H. Bradley and Lauren A. Taylor explore why the American health care system achieves mediocre results, despite spending a higher percentage of its gross domestic product than any other country in the world on health care. They explain that health care is more than just getting medical treatment, but there are social factors that affect a person 's health. The authors claim that more government spending on medical treatments is not the solution to the health care paradox, but we should focus more on social needs that have a greater impact on health. Case studies and interviews with physicians, other health care providers, and social service providers are used to support the authors’ claims. Though the authors do not explicitly state the path they believe the American health care system should follow, they give examples of foreign health care systems and domestic health care projects that may point in the right direction.

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.

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

I strongly believe that all American citizens should be entitled free healthcare. This is due to that fact that this can play a big role of ensuring that there is an improved access to health services. In addition, ensuring that all American citizens have an access to the right health care will also decrease health care costs. For instance, by allowing people to receive regular and preventive medical care and not wait until they are persistently ill to request treatment when medical costs are much higher (Niles, 2011). In relation to this free health care will promote equal chance by decreasing the number of people who are economically deprived in society (Niles, 2011). This can be because of bad health and other medically-related financial problems.

Long time ago, there was no need for health insurance in America, as doctors had many clients because their services were not so expensive and in some cases in rural areas, people could pay by giving other items. Doctors were not as knowledgeable as they are nowadays to care for the sick, therefore this didn't have much effect then on the patients, as they were treated for the basic illnesses.

The high cost of healthcare continues to rise and many in the United States are optimistic for health information technology to reduce and improve our current situation. Health IT encompasses a broad array of new technologies designed to manage and share health-related information. When properly implemented, these systems can help coordinate patient care, reduce medical errors, and improve administrative efficiency. Therefore, implementing a Regional Health Information Organization (RHIO) will help the National Health Information Network (NHIN) achieve their goals in improving quality of care for the citizens of the United States. Thus, in order for the health IT to deliver on its promise, several obstacles must be overcome.

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 problem with healthcare is that it's too expensive. Most people can't afford it and many illegal immigrants are taking advantage of America’s health care program by applying for jobs that provide free health care they are exploiting the systems. Then they are taking up most of the jobs and health care for people who needs it the most. Then the current health care program is too complicated for people to comprehend and properly understand, and people are being under and over cared for.

Immigrant population are the most frequently identified as susceptible population in the United States to inadequate health care. (Dorese, Escarce & Lurie, 2007) have mentioned in their article by the title Immigrants and health Care: Sources of Vulnerability that immigrants are group of population that are in an increased risk for poor health and inadequate health. The Authors have also mentioned that that vulnerability of the immigrant population is influenced by many factors. To mention some of the factors are political, social marginalization, lack of socioeconomic and societal resources.

The purpose of this paper is to thoroughly examine the similarities and differences of Medicare and Medicaid managed care plans by comparing and contrasting its strengths, weaknesses, incentives, commitment to access, and risks to the consumer. Medicaid and Medicare are both health insurance programs financed and administered by government entities and are both equivalent in terms of the number of beneficiaries and total expenditures (McCarthy, Schafermeyer, & Plake, 2011). These healthcare programs differ in terms of how they are funded and governed and who they cover. Medicare is an important source of coverage for 65 or older adults, for people under 65 with disabilities, and for people of all ages with End-Stage Renal Disease in the United States. It provides health insurance protection and enables access to medical care for 54 million beneficiaries.

Medicare and Medicaid has been providing huge benefits for senior citizens and low income families. The one question nobody seems to answer is how are we going to afford this type of insurance? Maya Rockeymoore argues in her article, “Groundless Fears about Medicaid and Medicare,” that we are able to afford this as long as we make good decisions. Rockeymoore claims that we need to keep Medicare and Medicaid or our country will fall apart.

“We will pass reform that lowers cost, promotes choice, and provides coverage that every American can count on. And we will do it this year.” The preceding is a powerful statement from the newly elected President Barak Obama. One of the main aspects of both political campaigns was health care reform. The above quote shows passion and encouragement, but the quotes about health care do not end there. Georgian republican gubernatorial candidate and health care policy maker John Oxendine expressed: “Their proposal would virtually devastate the private healthcare sector in this country along with competition and patient choice, by replacing it with bureaucratic planning and government control. The result of this plan and its one trillion

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.