The paradox of excess and deprivation in the United States health care system is that some people receive too little care while others receive too much care. There are certain groups of people who receive too little care or do not receive care in a timely manner. For example, if a person is uninsured or have Medicaid, they will have to wait a longer period of time to be treated for illnesses and receive appropriate tests. Other groups of people who are elderly or insured receive additional care which leads to too much excessive care. Elderly people are most likely to have health problem, so they run more test like CT scans or MRI scans and do more medical procedures that are basically unnecessary. Due to the health crisis in the United States, it is very confusing why they will give additional care or perform unnecessary test. This is a good topic to just trying to get paid more money by giving additional care. Paying for Health Care …show more content…
Paying for health care is a very big issue in the United States.
Many people cannot afford to pay the monthly payments; therefore, they stop their insurance and become uninsured for months or even years. There are many ways people can pay for health care. Community Rating and Experience Rating is a very interesting way to pay for medical bills. With Community Rating, all the people who are members pay the same monthly payments. It doesn’t matter which group they are in. With Experience Rating, all the people who are members pay different premiums. The members who become ill will benefit from the members who stay healthy. It is very unique how the members benefit from each other, but it can still be a little confusing. It is important for the United States to make a payment plan everyone can afford and have health insurance
coverage. Access to Health Care Most people in the United States have lack of access to health care due to being uninsured or having Medicaid. Middle class worker do not have health insurance because they cannot afford the high premiums and they do not qualify for Medicaid. Some hospitals lack prompt access to their patients that needs care. It seems confusing that the hospital does not give prompt and proper care to their ill patients. The people working in the hospitals should have more concern for their patients and somehow figure out a way to give prompt service to all individuals and not just for a certain group. It is very important for people to feel secured when they visits the doctor or hospital. Reimbursing Health Care Providers The reimbursement for health care is very complex and confusing. One interesting and complex unit of payments is the Payment per Episode of Illness. The doctor is paid one fee for all his services with one illness. The surgeons get paid incentives for performing more surgeries. It is confusing why they get paid incentives to perform more work when they are limited to the amount of people who visit and do not receive payments for additional visits. People need to understand and know how their health care provider is reimburse, so they can choose the best option to save their money.
Universal health insurance is available to everybody with an option to purchase private insurance coverage (The U.S. Health Care System: An International Perspective, 2014). Approximately 90% of the population uses the national system in which premiums are income based. The system uses 240 private insurers for a non-profit, competitive system. Insurance costs are significantly less than the U.S. due to cost negotiations for medical facilities, appointments, and prescription medications (Sick Around the World, 2008). B. United States Healthcare System Healthcare in the U.S. has recently been affected by implementation of the Affordable Care Act (ACA) of 2010.
Access to healthcare provides financial stability by assuring people that they will not be financially destroyed by injury or illness. Additionally, when people can afford regular medical care they tend to avoid chronic problems and financial stress. In a study provided by the American Medical Students Association, researchers reviewed the costs and benefits of universal health care. They came to the conclusion, after reviewing other articles and statistics from multiple sources, that, “The annual cost of diminished health and shorter life spans of Americans without insurance is $65-$130 billion.” (Chua 5) This comes from people not having adequate health care and then losing their jobs because they...
Out of all the industrialized countries in the world, the United States is the only one that doesn’t have a universal health care plan (Yamin 1157). The current health care system in the United States relies on employer-sponsored insurance programs or purchase of individual insurance plans. Employer-sponsored coverage has dropped from roughly 80 percent in 1982 to a little over 60 percent in 2006 (Kinney 809). The government does provide...
Healthcare professionals want only to provide the best care and comfort for their patients. In today’s world, advances in healthcare and medicine have made their task of doing so much easier, allowing previously lethal diseases to be diagnosed and treated with proficiency and speed. A majority of people in the United States have health insurance and enjoy the luxury of convenient, easy to access health care services, with annual checkups, preventative care, and their own personal doctor ready to diagnose and provide treatment for even the most trivial of symptoms. Many of these people could not imagine living a day without the assurance that, when needed, medical care would not be available to themselves and their loved ones. However, millions of American citizens currently live under these unimaginable conditions, going day to day without the security of frequent checkups, prescription medicine, or preventative medicines that could prevent future complications in their health. Now with the rising unemployment rates due to the current global recession, even more Americans are becoming uninsured, and the flaws in the United States’ current healthcare system are being exposed. In order to amend these flaws, some are looking to make small changes to fix the current healthcare system, while others look to make sweeping changes and remodel the system completely, favoring a more socialized, universal type of healthcare system. Although it is certain that change is needed, universal healthcare is not the miracle cure that will solve the systems current ailments. Universal healthcare should not be allowed to take form in America as it is a menace to the capitalist principle of a free market, threatens to put a stranglehold on for-...
Health insurance, too many American citizens, is not an option. However, some citizens find it unnecessary. Working in the health care field, I witness the effects of uninsured patients on medical offices. Too often, I see a “self-pay” patient receive care from their doctor and then fail to pay for it. Altogether, their refusal to pay leaves the office at a loss of money and calls for patients to pay extra in covering for the cost of the care the uninsured patient received. One office visit does not seem like too big of an expense, but multiple patients failing to pay for the care they receive adds up. Imagine the hospital bills that patients fail to pay; health services in a hospital are double, sometimes triple, in price at a hospital. It is unfair that paying patients are responsible for covering these unpaid services. Luckily, the Affordable Care Act was passed on March 23, 2010, otherwise known as Obamacare. Obamacare is necessary in America because it calls for all citizens to be health insured, no worrying about pre-existing conditions, and free benefits for men and women’s health.
In order to make ones’ health care coverage more affordable, the nation needs to address the continually increasing medical care costs. Approximately more than one-sixth of the United States economy is devoted to health care spending, such as: soaring prices for medical services, costly prescription drugs, newly advanced medical technology, and even unhealthy lifestyles. Our system is spending approximately $2.7 trillion annually on health care. According to experts, it is estimated that approximately 20%-30% of that spending (approx. $800 billion a year) appears to go towards wasteful, redundant, or even inefficient care.
Despite the established health care facilities in the United States, most citizens do not have access to proper medical care. We must appreciate from the very onset that a healthy and strong nation must have a proper health care system. Such a health system should be available and affordable to all. The cost of health services is high. In fact, the ...
The question raises to one’s mind that the United States (US) is a developed country, then why are the citizens not receiving necessities for the quality of life? As mentioned by Cherry and Jacob (2014), “The system has become more selective in the amount and type of treatment offered” (p. 178) to the person with and without the insurance. The diagnostic testing availability depends on the social and financial status of a patient seeking treatment (Cherry & Jacob, 2014). Financial burden interferes with physical and mental healing. In the majority of the developed country, the healthcare is accessible at lower costs and on sliding scale to their citizens; and US citizens should have that option as well, so the preventive care is available to all. The International Council of Nurses Code of Ethics for Nurses holds the nurse accountable “initiating and supporting action to meet the health and social needs of the public” (Cherry & Jacob, 2014, p. 170). The philosophy of utilitarianism should be practiced by every developed country to promote healthcare and deliver the quality of care to all people who provide a sense of relieve for the healthcare providers. Despite healthcare
The U.S. expends far more on healthcare than any other country in the world, yet we get fewer benefits, less than ideal health outcomes, and a lot of dissatisfaction manifested by unequal access, the significant numbers of uninsured and underinsured Americans, uneven quality, and unconstrained wastes. The financing of healthcare is also complicated, as there is no single payer system and payment schemes vary across payors and providers.
More than one-third of Americans who are between the ages of nineteen and twenty-four are uninsured. This is because most insurance is provided through a person’s job, and entry-level jobs which isn 't available for all young students. In addition, healthcare costs are currently rising faster than inflation, which means that salary increases cannot compensate for the higher prices of health care. Government regulation and a universal system could help keep costs affordable. A universal system would guarantee that everyone could receive health care regardless of preexisting conditions. Consequently, more people would be able to seek preventative services, like checkups, to maintain good health and detect problems early. Too frequently, people avoid taking preventative health measures until something is too late because of how expensive it is. While there 's a debate over how the U.S. should pay for a universal healthcare system, a good idea is to study the ways several other countries have successfully implemented such a system. Europe has a system in which all residents pay into a common fund that creates a pool of money and provides benefits to all. We must figure out a way to effectively adopt a universal healthcare system that provides care to all
2. The twin problems of the health care industry as viewed by society are cost and access. First of all, the cost of getting health care is very high and it is getting higher each day. This has been mostly caused by the combination of high cost and an increase in quantity of services provided to the communities. The other problem involves access to health care. American enjoy limited or no access to health care. Many efforts have been done to reform this, but still but still many people are left without access to the care. These two problems are related due to the fact that if the health care industry gets to high off course people no longer will be able to have any access to it. The higher prices are, the lower access people have to it.
Rising medical costs are a worldwide problem, but nowhere are they higher than in the U.S. Although Americans with good health insurance coverage may get the best medical treatment in the world, the health of the average American, as measured by life expectancy and infant mortality, is below the average of other major industrial countries. Inefficiency, fraud and the expense of malpractice suits are often blamed for high U.S. costs, but the major reason is overinvestment in technology and personnel.
Resources have always been inadequate for food, economics and healthcare and all scarce resources are rationed in one way or another. Healthcare resources can be in the forms of medicine, machinery, expensive treatment and organ transplantation. For decades, allocation of healthcare resources in an equitable manner has always been the subject of debate, concern and analysis, yet the issue has persistently resisted resolution. Scarcity of resources for healthcare and issue of allocation is permanent and inescapable (Harris, “Deciding between Patients”). Scarcity can be defined in general, in emergency and in crises as well as shortage of certain kind of treatment, medicine or organs. As a result of scarcity of resources, and some people may be left untreated or die when certain patients are prioritized and intention of is that everyone will ultimately be treated (Harris, 2009: 335). Allocation of limited resources is an ethical issue since it is vital to address the question of justice and making fair decisions. Ethical judgments and concerns are part of daily choice in allocation of health resources and also to ensure these resources are allocated in a fair and just way. This paper will explore how QALYs, ageism and responsibility in particular influence the allocation of healthcare resources in general through the lens of justice, equity, social worth, fairness, and deservingness.
Reforming the health care delivery system to progress the quality and value of care is indispensable to addressing the ever-increasing costs, poor quality, and increasing numbers of Americans without health insurance coverage. What is more, reforms should improve access to the right care at the right time in the right setting. They should keep people healthy and prevent common, preventable impediments of illnesses to the greatest extent possible. Thoughtfully assembled reforms would support greater access to health-improving care, in contrast to the current system, which encourages more tests, procedures, and treatments that are either
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.