Discuss the role of insurance in healthcare delivery and productivity
Responses to classmates must consist of at least 350 words (not including the greeting and the references), do NOT repeat the same thing your classmate is saying, try to add something of value like a resource, educational information to give to patients, possible bad outcomes associated with the medicines discussed in the case, try to include a sample case you’ve seen at work and discuss how you feel about how that case was handled. Try to use supportive information such as current Tx guidelines, current research related to the treatment, anything that will enhance learning in the online classroom. Discuss the role of insurance in healthcare delivery and productivity. Health care insurance plays major roles in the United States. I think what’s happened is that our correct understanding that some of our healthcare needs are best covered by insurance emergencies, major, rare, and urgent health crises has morphed into this view that everything in healthcare needs to be covered by insurance (Goldhill, 2013). Not all people have access to health care due to lack of insurance. However, if an individual experiences an acute situation for e.g. cardiac or respiratory arrest, or if they sustained traumatic injuries from an accident, health care will be rendered, with high out-of-pocket costs. Without health, insurance people will be denied access for their preventive screening such as mammography, colonoscopy, diabetes health screening, and hosts of other diseases and conditions. In 2014, 33 million individuals were uninsured, representing 10.4 percent of the population (U.S. Census Bureau, 2014). The implementation of the ACA’s major coverage expansions in January 2014, however, has increased the share of the population with insurance. These reforms include the requirement that most Americans procure health insurance; the opening of the health insurance marketplaces, or exchanges, which offer premium subsidies to lower- and middle-income individuals; and the expansion of Medicaid in many states, which increased coverage for low-income adults. (The US Health Care System, 2015). Public programs provide coverage to various, often overlapping populations. In 2011, nearly 10 million Americans were eligible for both Medicare and Medicaid (the dual-eligible). The Children’s Health Insurance Program (CHIP), which in some states is an extension of Medicaid and in others a separate program, covered more than 8.1 million children in low-income families in 2014. (The US Health Care System, 2015). References Goldhill, D. (2013). Insurance plays too big a role in the U.S. healthcare system. https://www.usnews.com/opinion/articles/2013/02/28/insurance-plays-too-big-a-role-in-the-us- healthcare-system The US Health Care System (2015). Who is covered and how is insurance financed? Retrieved from https://www.commonwealthfund.org/sites/default/document/media_files _publications fund_report_2016_jan_1857_mossialos_intl_profiles_2015_v7.pdf
