Preview

Healthcare Benefits

Good Essays
Open Document
Open Document
732 Words
Grammar
Grammar
Plagiarism
Plagiarism
Writing
Writing
Score
Score
Healthcare Benefits
Healthcare Benefits

Meghan Stanley

South University

Identify and discuss the various types of private and/or social insurance available in and through your state and local government. Relate the application of social insurance to consumers based on their social and economic status using the profiles listed below. For which demographic(s) do gaps exist in your area? You can use the Internet and sites such as www.cms.gov for statistical data by state to locate this information. Do you feel it's the government's role to provide health insurance for these individuals? Why? Support your answers with research and reasoning. 1. A child of parents who do not have private health insurance 2. An elderly WWII veteran with diabetes 3. A bank teller who has just been laid off 4. A homeless individual 5. A college student who has just graduated without a guaranteed employment

I live in Richmond, VA. The various types of private and social insurances available through our state and local government are Aetna, Anthem, Carefirst, Celtic, Kaiser Permanente, Optima Health, and United Health One are some of the leading health insurances in Virginia. 6. A child of parents who do not have private health insurance: In Virginia this consumer would receive Medicaid.

7. An elderly WWII veteran with diabetes: In Virginia this consumer would receive Medicare.

8. A bank teller who has just been laid off: In Virginia this consumer would receive unemployment benefits.

9. A homeless individual: In Virginia this consumer would receive Medicaid.

10. A college student who has just graduated without a guaranteed employment: In Virginia this consumer would receive Medicaid.
Where I currently live there are gaps in the demographic when it comes to the elderly WWII veteran because there are many war veterans in my area that are homeless and are seen on the streets begging for money. In all of the places I have been, I see this predominantly



References: Buchbinder, Sharon B., Shanks, Nancy (2/2007). INTRO TO HEALTH CARE MANAGEMENT VITALBOOKS [0] (VitalSource Bookshelf), Retrieved from http://digitalbookshelf.southuniversity.edu/books/9780763798918/id/ch07lev1sec10

You May Also Find These Documents Helpful

  • Good Essays

    The types of services that are covered as well as the ones that are not are the implications of a private insurance company associated with a government insurance program. The individuals who are covered under a private insurance are typically offered more services. Individuals who are covered under a government insurance program are required to obtain prior authorization for most services unless these services are deemed medically…

    • 326 Words
    • 2 Pages
    Good Essays
  • Powerful Essays

    health care museum

    • 1301 Words
    • 6 Pages

    The number of health care services people use determines health care utilization. John Q is facing a situation that is far too common these days. He is in need of health care services; however, factors John Q has a full-time job thus because of his low income he is qualified to have Medicaid. Medicaid is a resource used by many it is a government program which helps with health finances. The only down fall of using a government plan such as Medicaid if your income goes up then a premium plan will kick in. example if John makes $250.00 every two weeks then monthly his income would be $500.00 this is considered low income based. If John’s income was to go up by $250.00 then he would have to pay…

    • 1301 Words
    • 6 Pages
    Powerful Essays
  • Better Essays

    References: Department of Veteran Affairs. (2012, July 22). Retrieved from Department of Veteran Affairs: http://www.va.gov/HOMELESS…

    • 1134 Words
    • 5 Pages
    Better Essays
  • Good Essays

    Poli Sci

    • 1490 Words
    • 6 Pages

    Medicaid is a joint federal-state program designed to subsidize health care costs for the poor.…

    • 1490 Words
    • 6 Pages
    Good Essays
  • Powerful Essays

    Buchbinder, Sharon B., Shanks, Nancy (2/2007). INTRO TO HEALTH CARE MANAGEMENT VITALBOOKS [1] (VitalSource Bookshelf), Retrieved from http://digitalbookshelf.southuniversity.edu/books/9780763798918/id/ch01tab04…

    • 964 Words
    • 4 Pages
    Powerful Essays
  • Satisfactory Essays

    Medicaid is mostly associated with low income families with children and allows free access to medical services and prescriptive medications, dental and vision care, but it also offers a step-up program called CHIPS. CHIPS require a small…

    • 227 Words
    • 1 Page
    Satisfactory Essays
  • Good Essays

    Compare and contrast two Medicaid plans from different states. Discuss your opinions regarding each state being able to choose how they administer the Medicaid program for their state. Does this leave some Americans at a disadvantage? Explain.…

    • 1115 Words
    • 5 Pages
    Good Essays
  • Better Essays

    It is estimated that the ACA will provide new services to 64 million Americans, providing health care coverage to 32 million previously uninsured. In addition to providing new health insurance coverage, the ACA implemented several components that can expand access to health care. One policy change will allow single adults, who are in school to remain on their parents’ insurance until they are 26. Another policy prevents denying children health insurance due to pre-existing conditions, this same protection will be provided to adults beginning in 2014. Rural communities are now expected to have greater access to health care as a result of increased payments for physicians willing to relocate. Additionally, the National Health Service Corps expanded to provide more health care providers to underserved areas. Community health centers are also expanding to provide care to those with little or no income. As an incentive the government is also offering tax credits to small business owners in order to make health coverage more affordable for their employees. One aspect of the ACA covers preventative care services without out-of pocket expenses through co-payment, co-insurance, or deductibles. The aim is to decrease health care cost through prevention, early treatment, and detection. Examples include mammograms, colonoscopies, cervical cancer screening, HIV testing, well woman visits, obesity screening and counseling, and immunizations (U.S. Department of Health and Human Services, 2010). If the American public has access…

    • 1465 Words
    • 6 Pages
    Better Essays
  • Good Essays

    Health Care Timeline

    • 672 Words
    • 3 Pages

    | |65 or disabled with health care coverage and monthly funds. The Act also funds |…

    • 672 Words
    • 3 Pages
    Good Essays
  • Satisfactory Essays

    Healthcare is only affordable if insured or ability to pay but children and elderly individuals may be eligible for Medicaid but what about everyone else who doesn’t meet the criteria to receive free health care? “In the United States Medicaid is a government sponsored program to help…

    • 361 Words
    • 2 Pages
    Satisfactory Essays
  • Powerful Essays

    Under insured people can be defined as “people who are insured all year but have one of the following qualifiers: Medical expenses greater than ten percent of annual income; an annual income less than two hundred percent of the poverty level and medical expenses greater than five percent of annual income and health plan deductibles equal to or greater than five percent of annual income” (Nunley, 2008).…

    • 4410 Words
    • 13 Pages
    Powerful Essays
  • Good Essays

    Despite millions of people cannot afford medical insurance; the government do not have a solution. The government now only pays two kinds of insurance. Medicare is a program set up for senior citizens (65 or older). Most of them retire and do not have any income sources. Therefore the government offers them insurance. Medicaid is established for the disabled or those with low income. However, the criterion of qualifying low income is incomplete and farfetched. Those two…

    • 1648 Words
    • 7 Pages
    Good Essays
  • Good Essays

    Medicaid Expansion

    • 886 Words
    • 4 Pages

    6. Unknown Author. “What is Medicaid?” N.C. Department of Health and Human Services. March 7th, 2013.…

    • 886 Words
    • 4 Pages
    Good Essays
  • Better Essays

    The Affordable Care Act (ACA) which was passed by Congress was implemented to improve the quality of health care and reduce the cost of health insurance in the United State. America spends more on health care than any other industrialized nation in the world. In North Carolina, the governor signed a bill to block the state from extending the ACA which will allow Medicaid to cover group of individuals that are uninsured. North Carolina rank 33rd of the 50 states in population measures in 2012 and rank 38th in health outcome (Siberman, 2013). In 2010-2011 approximately 1.7 million people were uninsured and had barriers to access health care in North Carolina as stated by Siberman, (2013). The North Carolina Division of Medical Assistance (DMA), estimated that the expansion of Medicaid will cover approximately 319, 000 new people during state fiscal year 2014 (Siberman, 2013), but since the refusal of the expansion, these individual are going to be left uninsured. Another group of people who will not qualify are those individuals whose income is below the Federal Poverty level of 138%, but people who make the federal Poverty level of 138% will be eligible for ACA. Individual who are paying more than 8% of their income on health insurance will be eligible for subsidies to purchase coverage (Siberman 2013). As stated in Milstead, (2013), with expansion of Medicaid, all subgroups will be eligible with the exception of the undocumented immigrants. But in North Carolina, this will have significant impact on about 51% coverage for working adult, 31% on nonworking parents and 0% childless adults. People with income above the limit for premium tax subsidies are not eligible for financial assistance (Siberman, 2013). The federal government will match payment for the newly eligible individuals but not those individual that were eligible under the state Medicaid in 2010. Currently childless, nondisabled,…

    • 1266 Words
    • 4 Pages
    Better Essays
  • Good Essays

    The Unemployment Compensation Extension Act of 2009, a legislation which seeks to extend unemployment benefits to those who have been unemployed for extended periods of time, and have exhausted regular unemployment benefits. This act will provide an additional 14-20 weeks of additional unemployment benefits to some Americans have already exhausted theirs or will do so by year-end. These benefits continue for 14 weeks for Americans in all 50 states who face exhaustion before year-end, and by 20 weeks for those living in states where the unemployment rate is 8.5% or higher. The additional 20 weeks in those states means the maximum a person in one of those states could receive is now up to 99 weeks, or almost two years, the most in history. As of Nov 2009, the unemployment rate for Illinois was 10.5%.…

    • 514 Words
    • 2 Pages
    Good Essays