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Access to quality health care
Access to quality health care
Access to quality health care
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In the medical field, medical insurance is a major part of a patients experience. Having medical insurance is a sure way to get medical coverage at a lowered cost. There are various types of insurance, and they all have different coverages and perks that go with them. Insurance companies reach out to physicians to and offer them deals to work with them and bring them in more patients, thus the insurance companies will get a discount to certain procedures done by the physician thus lowering the patient's overall cost. Some of the few medical insurances there are is the:
Indemnity Plan/Fee for Service: in this plan Patients get access to coverage for all necessary services. And the physician is reimbursed for the fees and cost. In this insurance
Have you ever went without health insurance between jobs, or while working part time or because you just couldn?t afford it? No having health insurance is a big risk in a time where medical costs are sky high, Prescription drug prices are outrageous and when your paying your family doctor $50 for a office visit. Fifty dollars represents a full 8 hours of work for many Americans.
Fee-For-Service or Traditional Indemnity plans are uncommon but still used. Payment is rendered for services provided. Traditional Indemnity plans in general have no provider network and a patient can see a specialist without a referral. If a patient uses an FFS plan, the patient would pay the provider for medical care provided. If the medical care provided is covered by the plan. The insurance company would then reimburse the patient according to the guidelines stated in the policy or the UCR’s “Usual, Customary, and Reasonable Fees.” (“Private-Fee-For-Service Plans,” CMS.gov, 3/16/2012). Key benefits of a Traditional Indemnity or Fee-for-Service plan include no in network physicians or health care providers and the patient may see any physician or seek health care services at any healthcare facility. The patient or client can also seek treatment from a specialist without a physician referral. Fee-for-Service plans are the most flexible plans for choosing a healthcare provider and health care facility. However, Traditional
Health Insurance is essential to your Personal Well Being and your Health. For a large proportion of uninsured people, health insurance can and is most often a matter of choice. Uninsured Americans normally tend to delay and even go without doctors' visits, prescription medications, and other effective treatments, even if they know they have a serious or life-threatening condition. Institute of Science and Technology (Institute 2009). 20 to 30 percent of uninsured children are more likely to need certain shots, prescription medications, asthma care, basic dental care and other things that we would consider a must have.
Managed care dominates health care in the United States. It is any health care delivery system that combines the functions of health insurance and the actual delivery of care, where costs and utilization of services are controlled by methods such as gatekeeping, case management, and utilization review. Different types of managed care plans came into development by three major factors. These factors include choice of providers, different ways of arranging the delivery of services, and payment and risk sharing. Types of managed care organizations include Health Maintenance Organizations (HMOs) which consist of five common models that differ according to how the HMO is related to the participating physicians, Preferred Provider Organizations (PPOs), Exclusive Provider Organizations (EPO), and Point of Service Plans (POS). `The information management system in a managed care organization is determined by the structure of the organization' (Peden,1998, p.90). The goal of a managed care system is to provide subscribers and dependants with needed health care services at the lowest possible cost. Certain managed care plans also focus on prevention by trying to keep members healthy.
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.
From the hospital perspective mandating the health insurance will reduce the problem of Free riders into the Hospital and if a person who is insured visits the hospital for the treatment the cost of his medical treatment will not be totally absorbed by the hospital if the person is unable to pay for the treatment and the amount will be shared between the hospital and the insurance company.
In America, the number of uninsured rises every year and no solution to the problem has
Insurance companies exist to make money. They are not concerned with your needs which include great coverage at an affordable price. Their agenda consists of offering superfluous offers, causing you as a customer to lose money on frivolous items that won’t ever benefit you.
Insurance is a factor in the health of Americans. Most companies are required to offer insur...
Managed care is simply a system that delivers health care to a specific population purchased through health insurance plans. Practitioners and providers manage the use of health care services and cost by providing effective diagnosis and treatment, appropriate use of inpatient and outpatients facilities, population-based planning, health promotion and education, and disease prevention. Managed care uses a “gatekeeper” system, where patients or beneficiaries are assigned a Primary Care Physician (PCP), who they see initially for all medical care. The PCP acts as a gatekeeper by initiating referrals to specialists when required and approving inpatient admissions. Managed care was seen across communities in America as early as the 19th century and by 1938, Henry Kaiser had adopted a pre-paid medical plan for his employees. During World War II Kaiser used pre-paid medical programs for his workers and after the war he opened these plans to the public, which became the Kaiser Permanente we know today. Pre-paid healthcare and Health Maintenance Organizations (HMOs) came into full use in the 1970’s when the federal government established grants and loans as part of a health care strategy to provide care for uninsured Americans by increasing the number of HMO, increasing enrollment, and containing the cost of healthcare. Since the 70’s employers have used managed care as a form of high quality low cost insurance for their employees and the federal government has turned to managed care for both Medicare and Medicaid programs.
Health insurance provides benefits for sickness, injury, surgery, and prescription medication. There are a variety of plans with different
This concept was a hard one to grasp. For my interview summary papers, I decided to interview my preceptor over the health care and different insurance policies. One thing that was brought up was the requirements on the insurance policies constantly changing. It could be one way the first day but then they add more information that will eliminate several people from getting that insurance. There are medical insurance companies that provide help for people who are do not make enough money but they often will deny people service due to making too much money.
Health insurance facilitates entry into the health care system. Uninsured people are less likely to receive medical care and more likely to have poor health. Many Americans are foregoing medical care because they cannot afford it, or are struggling to pay their medical bills. “Adults in the US are more likely to go without health care due to cost” (Schoen, Osborn, Squires, Doty, & Pierson, 2010) Many of the currently uninsured or underinsured are forced accept inferior plans with large out-of-pocket costs, or are not be able to afford coverage offered by private health insurers. This lack of adequate coverage makes it difficult for people to get the health care they need and can have a particularly serious impact on a person's health and stability.
Health Insurance Plans Premium Insurance is important to everyone in the country. Health insurance covers the certain amount of money to the insured person upon a certain event such as hospitalization and surgery. Commonly health insurance premium buying choices cover a simple resolution in purchasing the private health insurance. The premium is the amount that needs to be satisfied by either the households or the authority to become underwrite. While of career the payment should be affordable, there are many other trials that exigency be respected while makeup one's mind the premium.
Travel insurance provides coverage for the risk of any medical emergency, loss of passport, lost baggage, personal liability, political risks, delay, and cancellations