Insurance issues essay

Despite the introduction of the managed care, which was intended to help bring costs down, the cost of health care continues to rise. In addition to the spiraling costs of the health care system, millions of Americans still could not afford any form of health care insurance. The question is what can be done about it?

Insurance issues essay

Healthcare Introduction America has a highly developed health care system, which is available to all people. Although it can be very complex and frustrating at times it has come a long way from the health care Insurance issues essay of yesterday. Previously most health care facilities were a place where the sick were housed and cared for until death.

Physicians rarely practiced in hospitals and only those who were fortunate could afford proper care at home or in private clinics. Today the level of health care has excelled tremendously. Presently the Insurance issues essay of our health care is to have a continuum of care for the patient, one which is integrated on all levels.

Insurance issues essay

Many hospitals offer a referral service or discharge plan to patients who are being discharged. Plans for the patient are discussed with a discharge planner.

This enables the patient to continue their care at a level which is most appropriate for them. Items reviewed for discharge planning include but are not limited to therapies, medication needs, living arrangements and identification of specific goals. Alternatives for home care can meet both the medical and non-medical needs of a patient.

These services are provided to patients and their families in their home or place of residence. Numerous alternatives are available for persons seeking health care at home.

Conclusion 1

With transportable technologies such as durable medical equipment, oxygen supply and intravenous fluids there are countless possibilities for treatment within the home setting. This has allowed for home care to quickly become an essential component of the health c! In a home health care situation the primary care giver is usually not the physician.

The physician is communicated with by phone and with documentation from the caregivers. Although, the original order to begin home care must be initiated by the physician if skilled care is to be obtained. This coverage must meet specific criteria, but it can be a relief to family members to know that their loved ones can be taken care of at home without worrying about the expenses.

Insurance issues essay

This can include items such as meal and medication delivery, a percentage of necessary durable medical equipment, personal care and homemaker services.

Health care services that are not included can become quite numerous. It is often difficult for family members to understand why specific services are not covered especially when they appear to be necessary for the care of the patient.

These costs can add up quite quickly and the impact of the cost can become quite distressing for family members and patients on a limited budget. In these cases a Social Worker is usually provided to help the patient and family explore other avenues which may enable them to cover their health care costs.

Assisted Living Assisted living is an arrangement to residents of a facility that enables them to complete certain daily activities while remaining independent. The services provided enable the resident to achieve maximum function of their activities of daily living.

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The services are unskilled and non-specialized personnel provide the activities essential to the care of the resident. These services help assist the aged, blind, disabled, and other functionally limited individuals with necessary daily activities which they require help with or are unable to perform on their own.

An example of some of the services which may be available are light housekeeping, meal preparation, medication reminders and personal care.

The personal care does not include specific health oriented services which would require the services of a certified or licensed professional. The goal of an assisted living facility is to have the residents feel independent within their own home.

Currently there is some controversy surrounding the different types of assisted living facilities. In Michigan facilities termed assisted living have no real legal meaning and are not required to be licensed under this name.

Unfortunately many facilities are misleading as to what level of care they are providing. Both the government and national organizations are currently addressing this issue. My own experience with an assisted living facility has been quite good.

Formerly my grandmother was a resident of an assisted living facility. The facility was specifically built for seniors and was that of an apartment like structure. The facility provided social and recreational activities on a continual basis.

There was also transportation service available for residents who wished to use it. My grandmother thoroughly enjoyed living in an assisted living facility where she had the opportunity to make numerous friends, participate in activities and remain independent.

The long-term care facility can be either hospital-based or freestanding. It consists of an organized medical staff, which provides continuous nursing services under professional nurse direction. State licensure is mandatory, Federal regulation is only necessary if the facility participates with Medicare and Medicaid, and JCAHO standards are voluntary.

Long term-care is very expensive and it often becomes a financial catastrophe for the elderly person and their family.Insurance & Technology covers the pressing issues facing the insurance IT community, including channels, policy administration, claims, security, compliance, data & analytics and infrastructure news.

Dec 04,  · Consolidated Hallmark Insurance, in line with its Corporate Social Responsibility policy of encouraging, research especially in the study of insurance at tertiary level, hereby invites entries for the Edition of the company’s Annual Essay Competition.

Policy papers summarize and examine published research and discussion on current issues, and make specific recommendations for practitioners, patients, and policy makers. Browse Current Policies Search the ACP Policy Library.

Special Issue Calls for Papers Agricultural Risks and Insurance. The Geneva Papers on Risk and Insurance - Issues and Practice is calling for papers for a special issue exploring agricultural risks and insurance.

Possible research topics that would suit this special issue . Reports & White papers of Insurance Industry on Electromagnetic Radiation Health Risks and Liability Insurance companies do not want to insure for electromagnetic radiation because it is simply to risky.

Health Care Reform. Incorrectly called Obamacare, with the proper name should be called, affordable Health care act, stated to have been designed to help millions of people. But questionable at best.

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