The Rate Of Insurance Companies Are Being Difficult Paying For One Admission Essay

Paying for college may be a difficult process for many. There’s numerous things to worry about such as paying too much money, a large amount of debt and also those who aren’t financially stable worry about the lack of money they have to pay for college. This essay will illustrate how students can fund their college education by scholarships, private student loans, and a part time job.

I have witnessed a “burned out” nurse simply say to a client who is refusing a medication due to a side effect the client does not care for, ‘okay, I will just put refused and tell the doctor.’ This client needs educated about his/her choice. Most of the time, the client does not realize how refusing the medication can have a negative effect on his/her body overtime.

Just about everyone agrees that college should be more affordable. A century ago high school was becoming a necessity, not a luxury; today the same is happening to college. If college is essential for building a career and being a full participant in our democracy as high school once was, shouldn 't it be free, paid for by public dollars, and treated as a right of all members of our country? The average college graduate comes out of college with at least $60,000 in debt and if they went to an Ivy League should that shots up to upward of $100,000 all this debt before they even get their first real job (“Fast Facts”). This is the burden that students have to worry about and then they only have six months to find a job that can cover they loan payments, which can be as much as a couple thousand dollars a month and most working people can’t afford that. These days it is highly emphasized that the responsibility to educate the poor lies on the shoulders of the government. It should be, considering the significant hike in the tuition fees worldwide. In such circumstances, many intelligent and hardworking students miss out on studying in a university due to lack of funds. This not only demoralizes the student, but also has a negative impact on the society as it loses out on its future professionals.

lot of dollars for an unemployed family man or woman with little or no income.

In 2015, the pharmaceutical industry spent over 27 billion dollars on advertising. The two greatest components of this effort were promotional advertising and free medication sampling, which the pharmaceuticals invested 15.5 and 5.7 billion dollars respectively (“Persuading the Prescribers”). Promotional advertising involves direct contact with health professionals, the most common being extravagant lunch conferences held for physicians and their staff. On the other hand, sampling involves distributing free sample of medications to physicians, who then have a choice of providing these samples to patients. As a result of these methods, the industry has seen revenue around $400 billion with 90% of physicians having a relationship with a drug company (Campbell 2007). Moreover, the prices of prescriptions continue to rise; a copay of a generic drug is $11.72, preferred brand drug is $36.37 and a specialty drug is $58.37 (Coleman and Geneson 2014). Although the profits are immense in the numbers demonstrated above, it is no surprise when pharmaceutical drug companies elevate their prices even more. For instance, recently Turing Pharmaceuticals raised the price of their medication Daraprim from $13.50 to $750. Keep in mind, this medication is used for threatening parasitic infections, aids, and cancer with alternative options currently found to be inefficient (Pollack 2015). Another example of this practice involves cycloserine, a drug used to

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

"Insurance is a legal contract that protects people from the financial costs that result from loss of life, loss of health, lawsuits or property damage."(Nielson.) This protection is given to the customer in exchange for a monthly payment to the company. This is a legal contract which is known as a policy, binds the customer to the insurance company for the duration of the policy. Insurance, whether it be life, health or auto, helps customers feel safe from everyday risks that can happen in life. Most insurance is optional, although some states enforce a law that automobile insurance must be purchased in order to register a car. Automobile insurance is very important. It helps the policy holder to protect their car

If an individual expresses that they want to discontinue their medication and becomes non-compliant with their medication then it is my role to identify the risk they are currently posing and update their risk assessment; inform their CMHT and let the citizen know of the consequences to them not taking their medication and reiterate that it is their choice, as long as they have all the information to make a decision (wise or unwise). It is important to emphasise that not all individuals understand information the same way, therefore I have found that the use of internet, booklets, music, audio recordings, talking group therapy and pictures can be applied to explain a situation to a resident if they are unsure of particular consequences to their health.

Other situations that could arise could be around a young adult not wanting to take their medication but not understanding the importance of the medication and the consequences of not taking it, if it is for something like epilepsy or depression.

The way in which I can exercise my duty of care in a risky situation is not to take steps to stop someone doing what they want but to access the risks carefully and to look at the protecting factors. I may have to think about what other protecting factors I can put in place so that the risk is managed effectively such as: A client may develop acute symptoms if he does not take his medication – I could reduce the risk by increasing visits to ensure the medication is taken correctly.

High costs of college tuition has been a rising concern for many future and former college students. There are college graduates who are concerned after graduation if they made the right choice paying for a college degree. There are also future students who are not as tempted to attend college because of how expensive it is. While there are certain majors that pay well, many of the majors in college do not pay remotely enough considering what it costs to obtain the degree it takes to do the job. This debt is harder to pay off for this very reason which creates difficulty for graduates to move on in life. To make this situation better for future college graduates, tuition needs to be adjusted based on a scale where what the students are putting

While I was on my clinical rotation at Wal-Mart, I counseled a patient on her Warfarin prescription. During this rotation, I was doing most of the counsels under the direct supervision of the pharmacist. This particular experience, however, stood out from the rest of the consultations because she seemed very angry when picking up the medicine. I approached her and was prepared to deal with an angry patron. I started counseling her regarding her medication and she stated, “don’t worry, it doesn’t work anyway. My INR keeps going down even though they are upping the dose, and nobody cares about it.” This really raised a red flag with me because of the class of medication this is. I informed her that we cared and asked her what I could do to help her.

Insurance companies should develop step programs to aid patients in treatment for behavioral issues. If there were mandated therapy sessions for at least 6 weeks prior to medication trails I feel that this would cut down on the number of patients that are medicated. The Food and Drug Administration puts the medications they supply through rigorous testing and stress the importance of using these as directed. It is up to the consumers of these medications to follow the guidelines as

The other allegation of pharmacists tricking patients into declining their counseling is hilarious in my opinion. This scenario is like any other prejudice view, a couple of bad pharmacists make the entire profession look bad. Although I have never worked in a pharmacy, I would rather believe that a pharmacist would not do that to a patient. I have more faith in the profession. If, however, this is a common practice, there is not really much anyone can do about it. The only thing you can do is be the best pharmacist you can be, and if you do the right thing people will follow you and do the right thing.

The increasing cost of higher education in the United States has been a continuing topic for debate in recent decades. American society emphasizes the importance of education after high school, yet the cost of undergraduate and advanced degrees continually rises at a greater rate than inflation. According to the Advisory Committee on Student Financial Assistance, cost factors prevent 48% of college-qualified high school graduates from pursuing further education (McKeon, 2004, p. 45). The current system requires the majority of students to accumulate extensive debt with the expectation that they gain lucrative post-graduate employment to repay their loans.