Health Insurance Essays (Examples)

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Health Insurance in the U.S.:
Health insurance has become an important part in the modern health care system even before the American government started to discuss the issue of compulsory medical insurance. Actually health insurance has asserted itself through the ever-increasing number of customers seeking for these services as well as through advertisements. The new customers tend to share information on the benefits of health insurance with their friends. This in turn results in the increase in the number of customers seeking for health insurance as the shared information continues to shape public opinion.

Types of Health Insurance in the U.S.:

The various types of health insurance available in the United States are classified into several categories. The three main types of these insurance plans are fee-for-service or indemnity plans, Health Maintenance Organizations, and Preferred Provider Organizations. In addition to being the traditional type of health insurance, the fee-for-service or indemnity plans permits….

Health Insurance Portability and Accountability Act (HIPAA)
Discuss whether there has been a violation of Health Insurance Portability and Accountability Act (HIPAA)?

There are no court rulings that can shed light on the issue. However going by the given facts, it is as follows: "Dr. Williams shows Joan's medical records to a friend for advice. His friend tells Dr. Williams to contact his medical malpractice insurance carrier." The problem here is if the friend is also a medical practitioner, attorney or some person exempted under the act for disclosure. The issue is not clear. It is assumed that the friend is also a medical practitioner. In that case Williams can take a stand that there has been no violation of the act if the doctor passed on the information for consultation purposes, and this is very clear from section 45 CF 160.103 according to which a business associate could be" legal; actuarial;….

What this in essence means is that the patient would not be able to choose his own brands of medication; he must only buy what the committee has recommended, otherwise, he would lose out on his health insurance payments.
A woman who faced a problem similar to that mentioned above talks about her experience as a diabetic. She said that when the health insurance company stated that they would be able to pay for a higher priced drug to control diabetes, than the one that the committee recommended, she argued and fought it out with the company, until, eventually, they agreed, albeit reluctantly, to pay for the higher priced drug 'Glucophage.' Her experience was that as soon as she started on hits drug, she found to her amazement that her sugar levels had started to drop considerably, and that her vision, which had been deteriorating for quite some time, gradually….

However, third-party payer systems became more popular with the increased bureaucratization of healthcare, particularly with the spread of HMOs and their complex paperwork for referrals. The use of third-party payers means "the processing of payments for insurance and other duties are handled" by another agency that is responsible for collecting premium payments and issuing reimbursements (Easey 2009).
It has been alleged that the use of such third parties means that individuals not well-versed in medical needs are making decisions about when reimbursements are valid regarding treatment and care, and are often looking for reasons not to pay for care, rather than to provide customers with the medical services they require as patients. It also creates another level of red tape between the patient and his or her doctor and insurance provider. An example of such an abuse might be an individual denied coverage because of forgetting to disclose a relatively….


Healthy Connections Kids (HCK) is a non-Medicaid administered care program for children up to age nineteen in South Carolina, who do not have other insurance coverage and whose family unit earnings is less than two hundred percent of the federal poverty limit. HCK benefits are founded on the state health plan benefits. Kids covered under this program must be enrolled in one of the Managed Care Organizations (MCO's) who provide HCK coverage. Dental care is billed to Medicaid, but claims for all other HCK services must be filed with the MCO (SC Healthy Connections Kids (SCHIP), n.d.).

Healthy Connections Kids is for uninsured kids up to age nineteen with family wages larger than one hundred and fifty percent but less than or equal to two hundred percent of the Federal Poverty Level. They must have possessions valued at or below thirty thousand dollars. The insurance is founded on the health insurance….


Some of the other benefits of the NHI include the fact that contributions are payroll - related and, of course, as previously mentioned, the fact that the contributions are shared between the three main actors: the employer, the employee and the government. If we look at the proportions we have previously described, it seems that working in the private sector is more beneficial from this point-of-view, since the employee will only contribute with 30%. However, we should also mention that this should be related to the level of salaries in the public and private sectors.

Obviously, the salary package is almost always determined by the motivating elements that the employee is likely to include in the package. In the case of Taiwan, first of all, all employees offer access to the national insurance system, which means that each employee visiting the doctor will generally pay less than $5 for the services….

Health Insurance Costs
Perhaps it is simply that we all need a few good villains in our life, and with the Cold War firmly over we must look closer to home to find our bad guys. Or perhaps it is simply that there is a great deal of villainy in society, that in fact society is nothing more than an evolutionary process of ever-more sophisticated forms of villainy.

Either explanation might do to explain the rise of the health maintenance organization as a pervasive element of American society as a primary reason that the quality of health care continues to decline even as health care costs continue to rise in this country. This paper examines the relationship between HMOs and other forms of health insurance and the rising cost of American healthcare, using the area of organ donation as a means of illustrating the complexities of the issue and the ways in….

Health Insurance
There are many good reasons to have health insurance, and among those reasons is the fact that there is a tremendous financial risk that is linked to "unanticipated adverse health events," according to an article in the Journal of Health Economics (McLaughlin, et al., 2002). Health insurance not only helps the person that is ill or has been in an accident to get healthy again, it prevents -- at least in many cases it prevents -- financial calamity. The U.S. Department of Health and Human Services (HHS) has come out with a report that shows most families that cannot afford health insurance do not have the "financial assets to pay the hospital bills they would incur if a family member were to be hospitalized" (Glied, 2011, p. 1). In fact the HHS report reflects the fact that the majority of uninsured families have "virtually no savings or investments" so….

Health Insurance Plans
There seem to be three basic health insurance categories. They are generally called Fee-for-Service, anaged Care or Health Saving plans, though some call them by other names. The fee-for-service plan is what many people consider the traditional type of insurance. Like automobile insurance, people choose the cover they want and pay the price for those services. Often health care providers just take this insurance and the company pays after a deductible or co-pay, which are amounts to be paid at the time of service (usually a relatively small amount).

anaged Care is a newer type that essentially relies on the insurance companies having some type of agreement with doctors, hospitals and other care providers. Those who join a managed care program have choices from these services and negotiated amounts are paid to the provider for very specific services or types of treatment. In some cases, there are restrictions on….

Employee insurance costs may at the outset look as an unimportant and dispensable expenditure, but in reality it is far from true. Research has shown that health insurance can increase overall productivity by reducing the costs associated with "Employee Absenteeism," reducing the costs of turnover, and thereby contributing to optimising the output. (Ellen O'rien). Most people lacking insurance are from the lower economic layer of the society and more than two thirds of this group are full time workers. The lack of insurance coverage implies that these poor people are putting off their medical attention until an emergency situation arises. In majority of the cases such medical emergencies could have been averted with timely medical intervention. "Many people simply put off medical care until they end up in the ER - much sicker and requiring more care than they would have had they been visiting a doctor on a….

Health Information Portability Accounting Act (HIPAA, went into effect the first quarter of 2003. Indeed, HIPAA creates federally mandated requirements regarding protected health information (PHI) that can impact any employer, regardless of its size, location or industry. Government estimates place the price tag for compliance within the public and private sectors at an estimated $22 billion. While the Privacy Rules were not aimed at regulating non-medical employers, employers who sponsor group health plans are affected, de-pending on whether the employer: (1) is fully insured or self-insured; and (2) creates or receives Protected Health Information. Protected Health Information (PHI) is defined to include all individually identifiable health information held or transmitted by a covered entity or business associate electronically or in other forms (Amatayakul, 2000). There are some exceptions. One important PHI exception is that the Privacy Rules do not apply to employment records, including medical information employers use to comply….

("Protecting the Privacy of Patients' Health Information," n. d.) the variations HIPAA necessitates would be sufficient and the changes would be accompanied by remarkable uneasiness in several respects. Functioning in the type of high-security setting visualized by the proposed HIPAA security regulations would imply functioning under regular surveillance and with concentration to making medical record information as being secure. hether in relation to paper or electronic form, information relating to medical record could not be any longer be left unprotected, wherein a normal observer, a thief or a snoop, could have reach to it. ("History: HIPAA General Information. Health Insurance Portability and Accountability Act," n.d.)
The Health Insurance Portability and Accountability Act -- HIPAA indicate to be one of the most confronting functional initiatives most radiologists would confront in their careers. The anticipations of HIPAA are very large and the results of failure to agree continue beyond the related financial….

Health Insurance and Managed Care
The purpose of this paper is to develop a game that will make it much easier and fun to not only understand, but also remember the major types of managed care plans together with their characteristics. The game is quite simple and can be played by pretty much every individual as it is applicable in understanding other concepts. The game requires two individuals or more to play, however, if one is alone, it is still applicable.

To begin with, one of the essential requirements of the game includes having paper slots in which the content being discussed is written. In this case, taking into account that there are four types of managed care plans, there will be four main slots. This will include, Health Maintenance Organization (HMO), Point of service (POS), Preferred Provider Organization (PPO), and High Deductible Plans (HDP) (ASD, 1992). The other requirement will be….

High Insurance Portability
Health Insurance Portability & Accountability Act

Some hope was given for the current legal environment to become better defined for health-care providers when Health Insurance Portability & Accountability Act (HIPAA) was passed by the in 1996. As previously mentioned, HIPAA is a monumental act that attempts to address and incorporate all three issues-- privacy, confidentiality, and security within one law. When HIPAA was passed, many applauded the portability aspects of HIPAA that allowed for continuing healthcare coverage for individuals who lost their jobs and attendant healthcare insurance. But few back in 1996 anticipated the dramatic impact that HIPAA would have later on the privacy and security of patient's health information in the United States.

HIPAA Legislation History

HIPAA legislation was passed in the year 1996. Title I of the regulation dealt with the health insurance coverage of the public and their immediate family when they lost their jobs. Title II of….

Misconceptions and Confusion in Healthcare Coverage Among Elderly Populations
A small podiatry practice in Northeastern Missouri becomes the scene of a tragedy which takes place in plain sight, as there is not a day that goes by where at least one or more patients will be charged for their office visit despite mistakenly believing they would be covered. Unanticipated medical costs can be devastating even for adults in their prime of their working lives, but for the elderly and infirm living on a fixed income and attending multiple physicians simply to survive, the burden of health insurance failing to cover their medical bills can be overwhelming to say the least. Approximately 75% of patients who are examined in this particular Missouri podiatry practice are over the age of 65, putting them well within the segment of society which is ostensibly enjoying their retirement years while managing a fixed income. Another thing….

It is difficult to address the issue of lack of mental health funding for first responders without first acknowledging the general lack of appropriate thoughts about mental health.  While physical illness is treated as a legitimate illness and self-care to help avoid that illness is supported, mental illness is oftentimes still treated like a character defect.  People who seek assistance for mental health not only have to face a lack of funding, but often have to worry about whether the stigma that attaches to seeking such help will work against them in their future professional lives. For....

A Health Care Informatics Risk Assessment is one of the tools used in healthcare management.  They examine workflow issues that have the ability of positively or negatively impacting several important factors, such as the quality of care, overhead costs, and overall efficiency.  One of the areas of health care that can benefit from a Health Care Informatics Risk Assessment program is telemedicine.   Another area of health care that could benefit from a Health Care Informatics Risk Assessment program is vaccine administration in large groups.

If the COVID-19 pandemic has any lasting impact on the provision of....

Third party payment, such as health insurance companies or government programs, can distort the healthcare market in several ways:

1. Increased demand: When individuals are not directly paying for their healthcare services, they are more likely to utilize medical services without considering the cost. This leads to increased demand for healthcare services, which can drive up prices and strain the resources of healthcare providers.

2. Lack of price transparency: Third party payment often creates a lack of price transparency in the healthcare market. Since patients are not directly paying for their services, they may not be aware of....

Essay Outline: The Impact and Mitigation of Health Inequalities in the UK

I. Introduction
A. Define health inequalities and their significance in the UK
B. Thesis statement: Outline the pervasive impact of health inequalities and propose necessary actions to address them

II. Impact of Health Inequalities in the UK
A. Physical health disparities: Discuss the health gaps in life expectancy, morbidity, and mortality rates between different socioeconomic groups
B. Mental health disparities: Examine the higher prevalence of mental health issues among disadvantaged populations, including depression, anxiety, and substance abuse
C. Socioeconomic consequences: Analyze the economic burden associated with health inequalities, such as....

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3 Pages
Essay

Healthcare

Health Insurance in the U S Health Insurance

Words: 1015
Length: 3 Pages
Type: Essay

Health Insurance in the U.S.: Health insurance has become an important part in the modern health care system even before the American government started to discuss the issue of compulsory…

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3 Pages
Essay

Healthcare

Health Insurance Portability and Accountability Act HIPAA

Words: 1111
Length: 3 Pages
Type: Essay

Health Insurance Portability and Accountability Act (HIPAA) Discuss whether there has been a violation of Health Insurance Portability and Accountability Act (HIPAA)? There are no court rulings that can shed light…

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7 Pages
Term Paper

Healthcare

Health Insurance and Diabetes Is

Words: 3009
Length: 7 Pages
Type: Term Paper

What this in essence means is that the patient would not be able to choose his own brands of medication; he must only buy what the committee has…

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3 Pages
Term Paper

Healthcare

Health Insurance Costs Name the

Words: 1079
Length: 3 Pages
Type: Term Paper

However, third-party payer systems became more popular with the increased bureaucratization of healthcare, particularly with the spread of HMOs and their complex paperwork for referrals. The use of…

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3 Pages
Research Paper

Healthcare

Health Insurance for the Less

Words: 961
Length: 3 Pages
Type: Research Paper

Healthy Connections Kids (HCK) is a non-Medicaid administered care program for children up to age nineteen in South Carolina, who do not have other insurance coverage and whose family…

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2 Pages
Term Paper

Healthcare

Health Insurance Benefits Before We

Words: 691
Length: 2 Pages
Type: Term Paper

Some of the other benefits of the NHI include the fact that contributions are payroll - related and, of course, as previously mentioned, the fact that the contributions are…

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14 Pages
Term Paper

Healthcare

Health Insurance Costs Perhaps it Is Simply

Words: 3597
Length: 14 Pages
Type: Term Paper

Health Insurance Costs Perhaps it is simply that we all need a few good villains in our life, and with the Cold War firmly over we must look closer to…

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2 Pages
Essay

Healthcare

Health Insurance There Are Many Good Reasons

Words: 857
Length: 2 Pages
Type: Essay

Health Insurance There are many good reasons to have health insurance, and among those reasons is the fact that there is a tremendous financial risk that is linked to "unanticipated…

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2 Pages
Essay

Healthcare

Health Insurance Plans There Seem to Be

Words: 681
Length: 2 Pages
Type: Essay

Health Insurance Plans There seem to be three basic health insurance categories. They are generally called Fee-for-Service, anaged Care or Health Saving plans, though some call them by other names.…

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2 Pages
Term Paper

Healthcare

Health Insurance Last Year the

Words: 725
Length: 2 Pages
Type: Term Paper

Employee insurance costs may at the outset look as an unimportant and dispensable expenditure, but in reality it is far from true. Research has shown that health insurance…

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5 Pages
Term Paper

Healthcare

Health Insurance Portability and Accountability Act HIPAA

Words: 1617
Length: 5 Pages
Type: Term Paper

Health Information Portability Accounting Act (HIPAA, went into effect the first quarter of 2003. Indeed, HIPAA creates federally mandated requirements regarding protected health information (PHI) that can impact any…

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12 Pages
Term Paper

Healthcare

Health Insurance Portability and accountability

Words: 5161
Length: 12 Pages
Type: Term Paper

("Protecting the Privacy of Patients' Health Information," n. d.) the variations HIPAA necessitates would be sufficient and the changes would be accompanied by remarkable uneasiness in several respects.…

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2 Pages
Essay

Health - Nursing

Health Insurance and Games

Words: 622
Length: 2 Pages
Type: Essay

Health Insurance and Managed Care The purpose of this paper is to develop a game that will make it much easier and fun to not only understand, but also remember…

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7 Pages
Term Paper

Healthcare

Health Insurance Portability and Accountability Act

Words: 2492
Length: 7 Pages
Type: Term Paper

High Insurance Portability Health Insurance Portability & Accountability Act Some hope was given for the current legal environment to become better defined for health-care providers when Health Insurance Portability & Accountability…

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5 Pages
Essay

Healthcare

Health Insurance and How it Effects the Elderly

Words: 2024
Length: 5 Pages
Type: Essay

Misconceptions and Confusion in Healthcare Coverage Among Elderly Populations A small podiatry practice in Northeastern Missouri becomes the scene of a tragedy which takes place in plain sight, as there…

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