A lot of people do not know what health care really is. Even though this topic is in the media almost everyday, many people are blind to the fact that healthcare applies to a person’s everyday life in order to live a healthy life. In every environment it is important to be healthy. For example, in the work place, it is important to be healthy enough to show up for work everyday. If a person were to get sick today or tomorrow and they have no health insurance, it may be impossible for that individual to show up to work the next day.
This slide gives a general understanding on who is eligible for healthcare. Seeing as though people can not be denied healthcare, everyone is eligible and can receive treatment. This slide is informal to others because if you didn’t know if you could be covered, after reviewing this slide you will come to recognition that you can.
This slide reflects on the general information about what healthcare is. This slide explains the topic of healthcare more in dept and gives me a foundation to talk about the upcoming slides about the different healthcare plans and types. Generally group insurance is cheaper but also a family plan is around the same price. A family plan is basically the same thing as group insurance in that if one member is insured, then their immediate family within that household can also use their coverage.
This slide talks about one of the five plans and organizations. The amount you pay to visit the doctor solely depends on who are insured by. Filling out forms is possible but not always considered. All medical expenses and documentation is up to you.
Managed care coverage is another type of plan. This specific plan is similar to the others. In this slide I am comparing MCC with the HMO, PPO, and POS coverage. MMC is similar because the coverage recommends certain providers that are up to your standard and what you can afford. If you were to receive treatment from any other network not covered by Managed care, then this coverage will not cover the expenses.
POS plans has the same standards as the previous slide (MCC). This plan looks out for the best interest of the individual. They steer the individual towards a lower medical cost rather than a more expensive facility. The physician an individual would want to see has to be chosen from within the network that POS plans cover. Unlike the Indemnity, in this plan paperwork and medical records and service fees are completed for you.
HMO is very common in the US. Each moth you will receive a bill that will then have to be paid. The individuals choose which physician they would like to see. After that, that physician is then responsible for everything. A co-payment is usually required before you see the doctor. Any care received outside of the network is not covered. This basically means that if a person were to go to a hospital which does not take HMO, they can still be seen but, they have to pay the full amount of that visit and any procedure that took place that day.
Everyone excepts PPO’s. This is generally the best type of organization.
Many people cannot afford health insurance which is why so many are left uncovered. Certain companies only offer certain types of insurance that cover different coverage's. For example, some only cover dental, vision, specialty care ect…. A lot of companies don’t pick up deductibles, which means the employer has to pay but so much into the insurance. The major problem is that the cost for coverage Is crucial. The number of workers offered health insurance by their employers has increased in the last decade. The portion of workers who accept certain offers has declined. The major reason for this is the cost.
This chart shows a visual on why so many people were not covered. The main reason as you can see is the cost. Also, note that some people feel as though they don’t need health insurance.
Shows again the top four reasons on why many people in the United States went with out health care insurance. Note the top reason being the cost is too high.
This quote explains what a women went through because she did not have health insurance. This goes to show how important it is that an individual be covered in all aspects. Because she is not covered, her children cannot get the care they would need if they were to get very sick, which means, as a mother and the primary care giver for her family she wouldn’t be full filling her major deeds without paying a fortune,
Is there still hope for people who have lost their job to still have healthcare coverage in the near future?
This slide explains what would happen if a person were to lose their job. The loss of jobs doesn’t stop you from getting health insurance, but it makes it much more difficult when it comes to how to pay for your treatments.
Breaks down exactly what COBRA is and what each letter stands for.
These scenarios show exactly how important and expensive it is to have health insurance, cost is again why many people went with out coverage.
These are the top 4 private health insurers in the United States
The money that funds this type of healthcare insurance use federal money from the bill to set up their own single-payer plans.
Sal Z. Valiani, operated four dry-cleaning shops, said that he was offered health insurance long ago and even paid half of the cost. But, he said, employees repeatedly asked him not to deduct their share of the premiums from their wages. Paying large sums of money for health insurance is a financial burden on an individual.
Nearly 9 million children are uninsured and millions more are underinsured because of rising medical costs.
I believe that this shows how controversial the top of health care is in the United States today. Many people have their own personal opinions on it therefore, there is a lot of speculation on how good our health care system is as Americans living in the United States.
Three things that can be done to better the Health care system on your own.
Take notice to the fact that only 40percent of the united states is covered by health insurance. This means that 60 percent is NOT covered. This is a growing problem in America today. Compared to other countries, we are in the bottom ranks.
Life expectancy plays a large roll in the health care of a country. Obviously, better care means a person has the potential to live longer than your average third-world countries. Take notice that compared to Japan, the U.S.’s life expectancy is more than three times lower. Obviously, this says a lot about out care here.
This slide will get the audience thinking more in dept about the way our healthcare system is today. The three countries (China, Japan, and France) are top ranked when it comes to Health care. These countries health care systems are superior to ours. The answer is obvious here. Most people would veer towards the country that has the highest life expectancy when you review the statistics.
Compared to Canada, more people believe that the U.S. needs a change for the better. These statistics shows exactly what the United States as a whole needs. A change.
Gives a suggestion on what needs to be the first step to a better health care issue. The government needs to reduce poverty first and for most. They need to put the unemployed to work and create more jobs.
The color of an individuals skin or ethnic background justifies the treatment in health care that you receive. Sounds crazy doesn’t it? But very true. Many people are blind to the fact that racism is still a major force amongst Americans today.
Explains what the future is going to bring in the field of healthcare. The demand for doctors are rising in the US. Even though health care is taking a plung in America today, the future in the health care field is looking good.
Relevance of Topic<br />If you didn’t already know, healthcare is one of the most controversial issues going on in America today. There is a common debate going on daily about what to do with the American Healthcare system. There is no doubt about it that better healthcare is a necessity and something needs to be done to improve the situation. Everyone needs health care. Basically, if healthcare is improved and the bill is passed, in my opinion it will make plenty of individuals with out health benefits happier and stress free.<br />
Personal Relevance <br />Healthcare in the United states has in my opinion, taken a turn for the worse. I feel as though by taking the time to look into this, it will help you, as well as me, understand what exactly is going on, and also what should be done.<br />
Thesis<br />Healthcare is the United States is one of the most talked about issues in the media today. There are many aspects of healthcare that people don’t know and these aspects should be addressed. <br />
What is healthcare?<br />Healthcare-Broadly defined and includes any care, service, or supply related to the mental or physical health of an individual.<br /> http://wordnetweb.princeton.edu/perl/webwn?s=health<br />
Who is eligible? <br />Healthcare is a human right. Therefore, you can not be denied healthcare benefits. Everyone is eligible. <br />
General information<br />Most people get health insurance through their jobs or are covered through a family member's insurance. When this takes place it is called group insurance. Group insurance is generally the least expensive kind. In many cases, the individual’s employer pays part or all of the cost. Some organizations offer only one health insurance plan and others offer a choice of plans.<br /> http://www.bls.gov/oco/cg/cgs035.htm<br />
Choice of plans <br />Indemnity or Fee-for-Service coverage<br /><ul><li>plan is uncommon
allow you go to the doctor of your choice and pay for services at the time of the visit.
The amount that your health insurance company will pay is a predetermined
Responsible for keeping track of all your medical expenses.
http://www.salary.com/personal/layoutscripts/psnl_articles.asp?tab=psn&cat=cat011&ser=ser031&part=par094</li></li></ul><li>Plans cont. <br />Managed care coverage<br /><ul><li>Similar to HMO, PPO, or POS
encourages insured people to use certain providers.
Requires other alternatives for an insured person to use providers that are owned, managed, or under contract with the insurer.
guides a patient toward a pre-approved network of doctors and facilities,
Limits coverage of any treatment sought outside the network. </li></ul>http://www.salary.com/personal/layoutscripts/psnl_articles.asp?tab=psn&cat=cat011&ser=ser031&part=par094<br />
Plans cont.<br />Point-of-service plans (POS)<br />Based on the basic managed care foundation <br />Lower medical costs in exchange for more limited choices<br />required to choose a primary care physician to monitor your health care (must be chosen from within the health care network)<br />paperwork is completed for you.<br />http://www.salary.com/personal/layoutscripts/psnl_articles.asp?tab=psn&cat=cat011&ser=ser031&part=par094<br />
Organizations<br />Health maintenance organizations (HMO)<br />pay a fixed monthly fee called a premium<br />you choose a primary care physician, who is then responsible for your health care as well as for making referrals to specialists and approving further medical treatment.<br />co-payment ( usually required)<br />care received outside of the health care network is not covered<br />http://www.salary.com/personal/layoutscripts/psnl_articles.asp?tab=psn&cat=cat011&ser=ser031&part=par094<br />
Organizations<br />Preferred provider organizations (PPO)<br />Similar to HMO<br />Pay a fixed monthly fee (premium) <br />primary care physician is not required<br />If you need or want health care from outside the network, you should expect to pay a higher co-payment or co-insurance than if the provider were from within the PPO network<br />http://www.salary.com/personal/layoutscripts/psnl_articles.asp?tab=psn&cat=cat011&ser=ser031&part=par094<br />
Why aren’t people covered?<br />If everyone is eligible for healthcare benefits, then why are so many people not covered?<br />COST!!!!<br />“ I just don’t have the money”<br />http://www.flickr.com/photos/27631166@N04/2966942158/<br />(Torr)<br />
So why NOT have Insurance?<br />http://facts.kff.org/upload/jpg/enlarge/5_Reasons_for_not_Having_Health_Insurance.jpg<br />
What played a role in the loss of Insurance?<br /> cost<br /> lost job or a change in employment<br />Medicaid benefits stopped <br />ineligibility for family insurance coverage due to age or leaving school<br />
How cost of insurance impacts others. <br />“My paycheck after taxes is $350 to $400 every two weeks. For health insurance, they would deduct $60 from each paycheck. I would be left with $290, which is not a lot to deal with. If I could afford the insurance, I would take the children to the doctor more often. Lucky for me, they are healthy children.”<br /> –Rita J. Carrillo<br />(Torr)<br />
Can you keep your insurance if you lose your job?<br />State and federal regulations protect you from losing your health coverage in the event you lose your job. Unfortunately, they offer little protection from high premium costs. However, jobless workers may get help paying for these premiums as part of the economic stimulus bill.<br /> http://money.cnn.com/magazines/moneymag/money101/lesson16/index.htm<br />
What’s available for the jobless? <br />COBRA Insurance-Continuation of benefits under a previous employer's plan after an employee is terminated from his/her previous employer. Provides continuity of full care, but not necessarily affordable health insurance.<br />Available 30 days after the date of termination<br />Only covered for one year<br />Pay comes out of pocket from the individual <br />http://www.cobrainsurance.com/COBRA_Law.htm<br />http://farm1.static.flickr.com/95/272829684_b371845117.jpg<br />
What does COBRA insurance cover?<br />Inpatient and outpatient hospital care<br /> Physician care <br />Surgery and other major medical benefits <br />Prescription drugs <br />Dental care<br />Vision care <br />Life insurance is NOT covered under COBRA<br /> http://www.essortment.com/all/cobrainsurance_rgpl.htm<br />http://planetgreen.discovery.com/home-garden/images/2008-10/prescription-drugs.jpg<br />
Scenario <br />“ When you walk in to the doctor’s office, the first thing they say is: “How will you pay? What insurance do you have?” <br /> - Mildred Davis<br />“ I have to go to the bank before I go to the doctor.”<br /> - Mildred Davis<br />In January 2006, Mildred Davis, who was 48 years old at the time, received an emergency Hysterectomy after several weeks of uterine bleeding. She received a hospital bill for $8,000 and a doctor bill for $2,000. <br />(Torr)<br />
Private Health Insurance<br />May be purchased by individuals. <br />Cost of health insurance varies by:<br /> group<br /> individual based on a fee schedule set by the insurance company.<br /> Rates are often influenced by:<br /> age <br /> geographical region.<br />http://www.american.com/archive/2008/october-10-08/obamas-plan-to-end-private-health-insurance/FeaturedImage<br />
Types of Government insurance<br />Medicaid<br />Medicare<br />SCHIP (State Children’s Health Insurance Program)<br />TRICARE or CHAMPUS (Civilian Health and Medical Program of the Uniformed Services)<br />VA (Department of Veterans Affairs)<br />State Plans<br />IHS (Indian Health Service)<br />
Medicaid<br />Medicaid- Joint federal and state health care welfare program for qualifying low-income individuals and families.<br />http://lonestarpolitics.files.wordpress.com/2009/10/medicaid.jpg<br />
Medicare<br />Medicare- Federal health care insurance program for people 65 years of age or older and certain people with long-term disabilities under 65 years of age.<br />http://myaspenderm.com/wp-content/uploads/2009/10/medicare-logo.jpg<br />
SCHIP (State Children’s Health Insurance Program)<br />SCHIP (State Children’s Health Insurance Program)- Joint federal and state health care insurance program for low-income children whose parents do not qualify for Medicaid coverage and can’t afford to buy private insurance.<br />http://aspe.hhs.gov/health/schip/schip4c.jpg<br />
TRICARE or CHAMPUS (Civilian Health and Medical Program of the Uniformed Services)<br />TRICARE or CHAMPUS (Civilian Health and Medical Program of the Uniformed Services)- Military health care program for active duty and retired members of the military, their families, and survivors.<br />http://www.triwest.com/unauth/newContent/newImages/aboutTriWest/logoTricareHiRes.jpg<br />
VA (Department of Veterans Affairs)<br />VA (Department of Veterans Affairs)- Military health care program that provides medical assistance to eligible veterans of the Armed Forces.<br />http://www1.whdh.com/images/news_articles/389x205/070312_Department_of_Veterans_Affairs_logo.jpg<br />
State Plans<br />State Plans- State sponsored health insurance plans for low-income individuals without other insurance<br />http://farm3.static.flickr.com/2650/3772943398_e38d3fbcdd.jpg<br />
IHS (Indian Health Service)<br />IHS (Indian Health Service)- Health care program distributed by the Department of Health and Human Services for eligible American Indians.<br />http://www.ihs.gov/GeneralWeb/HelpCenter/DevComm/Resources/images/Logo_anti_alias.gif<br />
Opting for pay over insurance<br />Nationwide, about half of all uninsured workers are either self-employed or working in businesses that have fewer than twenty-five employees. When certain coverage is available in these companies, the employees are then required to pay a large share of the cost.<br />“It’s one or the other, a pay raise or health insurance.” – Sal Z. Valiani <br />(Torr)<br />http://kingston21.files.wordpress.com/2009/04/confusion-new.jpg<br />
Universal Health Care<br />What is it?<br />The belief that all citizens should have access to affordable, high-quality medical care.<br />http://topnews.co.uk/24692-uhs-agrees-purchase-psychiatric-solutions<br />
Structure of Universal Health Care<br />Universal health care programs require some form of government involvement through:<br />legislation<br /> mandates<br /> regulation<br /> The laws passed determine what type of care must be provided as well as to whom<br />
Children’s Health Care<br />“ Children are one third of our population and all of our future.”<br /> -Select Panel for the Promotion of Child Health,1981<br />http://www.fcs.uga.edu/ext/ccqm/resources/index/index_img.jpg<br />
Benefits for Children<br />Can make a lasting difference in a child’s life<br />Provides both physical and developmental benefits<br />Improved school performance<br />Long-term savings in health care costs<br />
Did you know….<br /> Check-ups, shots, and regular dental care are needed to help keep children healthy?<br /> Children with health insurance are more likely to be healthy than children without health insurance?<br />Children with health insurance miss less days from school?<br />Healthy children do better in school?<br /> Children without health insurance are less likely to be treated for ear infections which can lead to lifelong hearing loss?<br /> Children with asthma who receive basic medical care experience far less asthma-related attacks and emergency room visits?<br />
Facts vs. Myths<br />Myth: The U.S. has the best health care system in the world.<br />Fact: The U.S. has among the worst health statistics of all rich nations. <br />The U.S. ranks near the bottom of list of international comparisons. Part of the problem is that there is more profit in a cure than in the prevention of an illness. Another part of the problem is that America has the highest level of poverty and income inequality among all rich nations. Therefore, poverty affects a person’s health much more than the other problems. <br />The U.S. does not have the best health care system in the world. It has the best emergency care system in the world<br />http://www.huppi.com/kangaroo/L-healthcare.htm<br />
What can be done?<br />The following can be done to improve health care coverage in America:<br />Reach out to families without health insurance and let them know about programs that will work in their advantage<br />Support universal health care coverage.<br />Contact your representatives in government and let them know that you support the continued funding and expansion of health care coverage for all in America.<br />
Who’s covered? <br />Percent of population covered by public health care:<br />France, Austria 99%<br />Switzerland, Spain, Belgium 98%<br />Germany 92%<br />Netherlands 77%<br />United States 40%<br />http://www.huppi.com/kangaroo/L-healthcare.htm<br />
Ask yourself this…..<br /> If you needed heart surgery, would you prefer to have the surgery done in China, Japan, France, or the United States?<br />Keep in mind that a Countries health care system may extend the life of a percentage of a population.<br />
The people’s word….<br />Percent of people who believe their health care system needs fundamental change: <br />United States 60%<br /> Sweden 58% <br />United Kingdom 52% <br />Japan 47% <br />Netherlands 46% <br />France 42%<br />Canada 38%<br />(Torr)<br />
The future…<br />If America wants to start its road to improvement, it must not only pass universal health care, but reduce poverty as well.<br />http://www.flickr.com/photos/seiuhealthcare775nw/3584425251/<br />http://www.healthcareproblems.org/<br />
Something to think about….<br />Did you know that depending on where you live, your social economic status, race, or gender, the quality of medical treatment you receive can vary dramatically?<br />http://www.healthpaconline.net/health-care-statistics-in-the-united-states.htm<br />
Jobs <br />Health care is among today’s fastest-growing and most exciting industries. Between 2004-2014, according to the U.S. Department of Labor, more new jobs-about 3.6 million- will be created in health care than in any other industry. <br />(Marmor)<br />
Democrats<br />Openly advocate price control, which expands health benefits among everyone<br />“ Here we are at peak economic performance, and we are being told that we cannot provide health coverage for everyone. If not now, when?”<br /> – Senator Paul Wellstone (Minnesota)<br />Introduced a bill that would give states large sums of federal money to help achieve the goal of universal insurance coverage<br />(Torr)<br />
Republicans<br />Opposed to price control, which play a role ways to expand coverage among everyone. <br />Want to create tax breaks to help people buy private insurance<br />Want to create “Health Marts” which offer insurance to self employed people and businesses with fewer than 500 employees<br />(Torr)<br />
The Healthcare Bill<br />Health reform will make health care more affordable, make health insurers more accountable, expand health coverage to all Americans, and make the health system sustainable, stabilizing family budgets, the Federal budget, and the economy. <br />http://assets.nydailynews.com/img/2009/11/27/alg_health_care_bill.jpg<br />
Advantages<br />Affordable? How?<br />Cutting down premium costs for tens of millions of families and small business owners who are priced out of coverage today (middle class). <br />Helps 32 million Americans afford health care who do not get it today.<br />Makes coverage more affordable for many more people <br />Under the plan, 95% of Americans will be insured.<br />
Advantages cont.<br />The new healthcare bill sets up a new competitive health insurance market giving millions of Americans the same choices of insurance that members of Congress will have. <br />http://files.motherinchief.com/uploaded_images/choices-760701.jpg<br />
MORE ADVANTAGES!<br />Keeps premiums down and prevents insurance industry abuses and denial of care. <br />How does it do this?<br /> brings greater accountability to health care by laying out commonsense rules of healthcare so nothing goes misunderstood.<br />
EVEN MORE ADVANTAGES!!<br />The new healthcare bill will end discrimination against Americans with pre-existing conditions unlike before.<br />http://www.torontorealtyblog.com/wp-content/uploads/2009/08/discrimination.jpg<br />
Okay, this is the last advantage!!!!!<br />Puts our budget and economy on a more stable path by:<br />reducing the deficit by more than $100 billion over the next ten years<br />Cut government overspending<br />http://www.growyourbusinessnetwork.com/wp-content/uploads/2009/09/real-estate-overspending3.jpg<br />
Disadvantages<br />Higher taxes<br />Higher insurance premiums<br />Higher health care cost<br />Longer waiting times<br /> Decreased quality of care for people who already have health insurance<br />
My application<br />Interviews at King of Prussia Mall<br />Dr. David Chinn <br />Chestnut Hill Cardiology<br />
Class activity <br />BMI (body mass index)<br />
Conclusion<br />I went into this project not knowing much of anything about healthcare. After doing extensive research, I found out many things that I didn’t know before. Hopefully after watching this presentation, you are greatly informed on health care as well. <br />
Work cited<br />Torr, James D, Bruno Leone, and David M Haugen, Eds. Health Care Opposing Viewpoints. San Diego CA, Greenhaven: David L. Bender, 2000. Print.<br />Yount, Lisa. Patient's Rights in the Age of Managed Health Care. Vol. 1. New York NY: Facts On File, Inc., 2001. Print. 1 vols. <br />Newman, Alex. "EXAMINING HEALTHCARE: A look around the globe at nationalized systems." New American, The. 15 Sep 2008. 10. eLibrary. ProQuest LLC. UPPER MERION AREA HIGH SCHOOL. 02 Dec 2009. http://elibrary.bigchalk.com.<br />Marmor, Ted. "Health Care: What Ought to be Done?." Dissent. 3 2004. 61. eLibrary. ProQuest LLC. UPPER MERION AREA HIGH SCHOOL. 02 Dec 2009. <br />
Work cited<br />Romanow, Roy. "Health Care." Time; Canadian edition. 17 Nov 2003. 26. eLibrary. ProQuest LLC. UPPER MERION AREA HIGH SCHOOL. 02 Dec 2009. <http://elibrary.bigchalk.com>. <br />Office of Congressman Chaka Fattah. "Healthcare: Public Option Mirrors Other Government Insurance Plans." PR Newswire. 21 Aug 2009. n/a. eLibrary. ProQuest LLC. UPPER MERION AREA HIGH SCHOOL. 02 Dec 2009. <http://elibrary.bigchalk.com> <br />Zuckerman, Mortimer B. "The 'Reform' That Ate America." U.S. News & World Report. 01 Dec 2009. 96. eLibrary. ProQuest LLC. UPPER MERION AREA HIGH SCHOOL. 02 Dec 2009. <http://elibrary.bigchalk.com> <br />
Work cited<br />http://www.tbclubbock.org/cms/images/stories/children_church.jpg<br />http://homesforheroes.files.wordpress.com/2009/05/elderly-couple.jpg<br />http://www.bls.gov/oco/cg/cgs035.htm<br />http://www.salary.com/personal/layoutscripts/psnl_articles.asp?tab=psn&cat=cat011&ser=ser031&part=par094<br />http://www.flickr.com/photos/27631166@N04/2966942158/<br />
Work cited<br />http://dictionary.reference.com/<br />http://www.nytimes.com/2010/04/19/health/policy/19doctors.html<br />http://assets.nydailynews.com/img/2009/11/27/alg_health_care_bill.jpg<br />http://files.motherinchief.com/uploaded_images/choices-760701.jpg<br />