Benefits Of Being A Patient

Benefits Of Being A Patient
Consider the "Excluded Services" section and the "Payment/Premium" section from your own health insurance contract. Which one is easier to
understand? In plain English, discuss what each one means to you as a patient.
Excluded services are services the healthcare plan does not cover resulting in out of pocket costs. Payment/Premium is the payment my employer or I
pay for healthcare coverage. The excluded services are easier to understand because they are listed in our policy which services are excluded. For
example, cosmetic surgery/enhancements are not covered under my healthcare policy except if the cosmetic surgery is found to be medically necessary.
Where's your discussion about how this affects you?
In my personal experiences with my health insurance, I have been fortunate to not have any surprises. When I was covered under my parents, I had
the benefit of two insurances which would cover the balance payments for any procedures that I had. During my senior year in undergraduate, I
developed tonsillitis and spiked a fever. I was out of state and was confused on what to do. I called my mom and she told me to go to the emergency
room with my insurance cards and receive treatment. I went to the hospital and was treated, filled my prescriptions and went home to recover. I do not
recall any outstanding bills from the incident and I assumed because my insurances covered the visit.
If you were having a procedure or test that did not fall squarely into an excluded category,
... Get more on HelpWriting.net ...

Essay On Adoption Tax Credit
One of the greatest displays of love an adult can show to a child is adoption. Adults who make the decision to adopt a child are fulfilling a very
important need and service to the children who need good parents. As a reward for becoming an adoptive parent, the Internal Revenue Service
(IRS) offers an Adoption Tax Credit to help adoptive parents cover the expenses incurred in any given year related to the adoption process. About
the Adoption Tax Credit The Adoption Tax Credit was first passed in 1996 as part of the Small Business Job Protection Act of 1996. The ATC was
heavily endorsed by then US President Bill Clinton, who wanted to ease the financial burden, hoping more people would become willing to adopt. The
law was passed by Congress... Show more content on Helpwriting.net ...
Furthermore, you will be required to obtain a Adoption Tax ID Number (ATIN) for any child that does not have a Social Security number. 3. How to
Calculate the Amount of Your Adoption Tax Credit– Unlike a deduction, the Adoption Tax Credit is a dollar–for–dollar reduction of your tax liability.
The amount of your deduction includes any of the out–of–pocket costs paid in the categories mentioned above up to the statutory limit for each year. In
most cases, receipts must be used as supporting documentation. If the adopted child qualifies as a special needs child, you will be entitled to the full
statutory amount without documentation. 4. Carry Forwards – If the amount of your qualifying Adoption Tax Credit exceeds the amount of your net tax
liability, the tax credit can be carried forward for up to five years. 5. Phasing Out For high income families, the Adoption Tax Credit will phase out
between the current income levels of $201,010 – $241,010 where the amount of the deduction becomes zero. It's worth noting that 16 US States
currently offer some type of state Adoption Tax Credit based on similar criteria. You are encouraged to check with the IRS and your state tax authority
for more information related to these tax

Pocket Issue Of Pocket Medical Costs
Introduction
Out–of–pocket medical costs continue to cause debate in the U.S. Out–of–pocket costs consist of insurance premiums, co–payments, co–insurance, and
unsubsidized care costs. Researchers suggest that out–of–pocket medical expenses have tripled for the average American family since 2001(Girod,
2016). Other studies indicate that the growth rate of these costs is double the annual income rate for U.S. individuals and families. Still, some argue
that out–of–pocket medical costs are appropriate considering healthcare utilization (Cutler, 2004). This paper addresses the arguments supporting and
refuting the stance that out–of–pocket medical expenses are too high.
Why out–of–pocket costs are too high
Insurance purchased through federal marketplace exchanges contain high deductibles and high co–pays, causing high out–of–pocket costs. The
introduction of insurance exchanges, coupled with the financial penalties of the individual mandate, added approximately 11 million individuals and
families to the healthcare market–place (Sun, 2016). The exchanges allow individuals to shop for insurance plans that contain varying levels of
coverage. Although these plans cover preventive services, they do not protect against out–of–pocket costs. Research suggests that copay amounts under
exchange plans are 20% higher than those of employer–sponsored plans. Furthermore, studies show that deductible amounts for some exchange plans
are five times greater than for employer–sponsored plans

Definition Essay On Medical Expenses
For many seniors, medical expenses make up a lot of the money that they spend every year. If you spend most of your money on medical expenses,
and you are a senior, make sure that you are deducting all qualifying medical expenses on your taxes.
Federal Tax Definition
If you are over 65 years old, you can deduct all medical expenses that exceed 7.5% of your adjusted gross income (AGI) for the year. That means that
all expenses that are greater than 7.5% of your income can be deducted from your taxes.
For example, if your adjusted gross income is $50,000, than any medical expenses that exceed $3,750 (which is 7.5%) can be deducted from your
taxes. That means every penny that you spend on medical expenses that exceeds $3,750 can be deducted ... Show more content on Helpwriting.net ...
Here are some different medical expenses that can all be deducted from your taxes after the amount exceeds 7.5% of your AGI:
Health insurance premiums
Dental insurance premiums
Prescription drug costs
Long–term insurance premiums
Any costs not covered by your insurance
Transportation costs for medical care (public transportation, ambulance, tolls, parking fees)
It is important to note that you are not allowed to deduct any expenses that your insurance reimburses you for. You can also not deduct any expense
you paid for out of a health savings account or flexible spending arrangement since those funds are already tax–free.
How You Have To File
In order to deduct your medical expenses, you cannot not the standard deduction on your taxes. Instead, you have to take the itemized deduction on
your federal tax returns. That means you will also need to make sure you keep track of any other expenses that you would need to deduct since you are
not taking the standard deduction.

This will require you to keep better track of all things you would need to itemize on your federal tax return. Here are a few things you would need to
itemize as well:
Mortgage

Benefits And Benefits Of Employees Essay
The theories discussed previously in Section 2.1 can refer to compensation, rewards and training among the outcomes that employees could find of
value. Generally, in industry there are standard benefits and compensation, including medical, dental, pension and life insurance. However, there are
other extra benefits and incentives that could play a part in motivating employees in the workplace. Before the survey results are discussed, the author
discusses some of the benefits and incentives offered by UTAS. Some of these benefits are mentioned in the survey, with a purpose to link the benefits
to the theories discussed and answer the research questions outlined in Section 1.2. 2.2.1Compensation UTAS sets its job classification structure in
accordance with the U.S. Department of Labor contract Standard Labor Categories for both exempt and non–exempt employees. Exempt employees
are defined as professional employees of the organization, whilst non–exempt employees are individuals earning an hourly wage. Table 1: UTC Grades
(or "levels") The job grades for the organization are outlined in Table 1; the example Standard Labor Category Chart (SLC) shown in Appendix A is for
UTAS Exempt (Professional) employees, with employees having a prerequisite to meet the minimum requirements for each Standard Labor Category
(SLC) for promotion or compensation. However, it is not guaranteed that an employee will be placed in that particular SLC just by meeting the
minimum requirement.

Non Resident
1.0 INTRODUCTION 1.1 Background
This section will present detailed explaination of non resident,spend and money and description of how do non resident of student UITM Arau spend
their money. 1.2.1 Definition of non–resident, spend and money.
"Non resident student" is any student who is not residing within the school district with intent to make his residence within the school district a
permanent residence. Student who only move into the school district on a temporary basis for the convinience of attending school without intent to
permanently reside in the distict and who generally leave the school district during summers and times when school is not in session to return to their
parents home or other place of permanent ... Show more content on Helpwriting.net ...
1.2.2To identify how much non resident of UITM students spend their money for education expenses for every month.
1.2.3To identify how much non resident of UITM students spend their money for food for every month.
1.2.4To identify how much non resident of UITM students spend their money for pay their rent for every month.
1.2.5To identify how much non resident of UITM students spend their money for utilities expenses for every month.
1.2.6To identify how much non resident of UITM students spend their money for socializing for every month.
1.2.7To identify how much non resident of UITM students spend their money for transportation for every month.
1.2.8To identify how much non resident of UITM students spend their money for other expenses for every month.
3.0 RESEARCH METHODOLOGY
This section discusses the methodology of the research. The research approach used is the quantitative approach which is the most suitable for this
research. The main purpose of the research is to identify how non–resident student of UITM manage their money , to identify how non–resident of
UITM spend their money for every month and and to identify the spending behaviour of the non resident of UITM students.
3.1 PARTICIPANTS
There are 321 of Bachelor of Finance students in UITM Arau, but in our research we are only focus on non resident of

M & T Compliance Case Study
I have reviewed the M&T request that you referred to in the Board's electronic case folder along with a copy of the claimant's counsel's letter dated 07
/20/17. They are requesting out of pocket expenses, although they do not specifically clarify what expenses the claimant had occurred. As I review the
C–257, it appears the claimant paid for transportation to each visit in the amount indicated. Each entry does indicate where the claimant was going and
we have his home address. My recommendation would be to check each the address of each doctor, therapist or hospital from the C–4 and other
reports in the Board file. Then Mapquest or Google the round trip mileage between the claimant's home in Cohoes, NY and the visits. The you can
apply the

Benefits Of A High Deductible Health Plan
The Healthcare System is a combination of politics, health care practices, finances and socioeconomic representatives of the United States of America.
There are many aspects of healthcare, such as health plans, that is not fully acknowledged by the American consumers. Current studies have also
suggested that consumers have a lack of understanding when it comes to healthcare which can lead to a lack of care (Islam, 2015). Private (i.e.
BlueCross) and public health (Medicare and/or Medicaid) insurance operatives have similar and different methods in which they are financing
medical services to the public. This research paper will discuss many aspects of a High Deductible Health Plan (HDHP). First, what a HDHP is and its
prevalence will be discussed. Second, a deliberation about why and how they are so popular will be addressed. Lastly, the pros and contra will be
considered and how they can affect your overall health and quality of life.
What is a High Deductible Health Plan?
A High Deductible Health Plan (HDHP) is a health care plan in which they monthly premium (amount that is paid by the consumer monthly or
annually) is lower, but the insured has higher out–of–pocket expenses. Out–of–pocket expenses or deductibles are the financial cost that the individual
pays on their own before their insurance pays its share ("High Deductible Health Plan (HDHP) – HealthCare.gov Glossary | HealthCare.gov," n.d.).
With the help of these HDHP, individuals also combine a Health Saving

Essay On High Deductible Health Plans
When you look over your health insurance choices this year, there will be an option to select high–deductible health plan on the menu. These types of
healthcare plans are increasingly becoming popular amongst healthcare seekers and consumers. So, why would anyone choose an insurance policy
with greater out–of–pocket costs? Plans with higher deductibles typically have lower premiums, so you'll keep more of your paycheck. A High
Deductible Health Plan (HDHP) is a plan that has a higher annual deductible than a typical health insurance plan; maximum limit on the sum of the
annual deductible and out–of–pocket medical expenses that an enrollee must pay for covered expenses. The out–of–pocket expenses for a High
Deductible Health Plan are ... Show more content on Helpwriting.net ...
Regrettably, there is a downside of High Deductible Health Plans (HDHP), and that is the likelihood of higher expense later on if there is any
cataclysmic medical issue with you or your family. With a High Deductible Health Insurance Plan, you run the risk of having higher out–of–pocket
expenses. For example, a major medical issue warrant surgery, you would have to pay your deductible before the insurance company pays anything.
This may cause you to forgo crucial health care needs; due to the high–deductible and out–of–pocket expenses you would occur. Lastly, if your monthly
out–of–pocket expenses are high, this will enable you to have an advantageous use of your health savings account (HSA). Another downside to High
Deductible Health Plan (HDHP) is the apprehensiveness to use the insurance, even the benefits that are free or at a low cost. "Enrollees in
high–deductible health plans are likely to reduce the preventive care use and are largely; because they are unaware of the fact that preventive care
benefits are free or at a low cost (Dolan February 2016)." Recent analysis showed that low–income workers were more likely than higher earners to
avoid certain kinds of care when they were enrolled in high–deductible plans coupled with savings accounts. The analysis from the Employee Benefit
Research Institute, found that low–income people even skipped free preventive services like flu shots and cut back on doctors' visits. Primary and
preventive

Health Wellness Research Paper
Goal: to write a blog article on how to save money on a wellness program for companies
Total Word Count In This Document: 541
Title: ?Healthy Choices: How To Save Money On A Health Wellness Program For Your Small Business?
Business owners, whether big or small, are realizing the importance of carrying packages with lucrative employee benefits and programs in order to
both attract and retain valuable, skilled employees for their companies. These benefits can include more paid vacation time, better health and dental
insurance plans, more personal leave days and better retirement savings plans. Recently though, with a nation–wide concern over obesity and health
trends like veganism and Cross Fit on the rise, health wellness programs are now ... Show more content on Helpwriting.net ...
Here?s how you can save tons of money on a health wellness program as a valuable and vital part of your employees benefits package for your small
business.
Eliminate employee out–of–pocket expenses with tax–free HSA contributions
One way to save resources on a health wellness program for your employees is to use tax–free HSA, or health savings account, contributions to
eliminate out–of–pocket expenses for your employees. These contributions will cover any common medical expenses for your employees, effectively
eliminating their out–of–pocket expenses. Any leftover funds saved by your employees can then be used for any future expenses.
Switch to a less expensive health insurance plan
Although a high–end health insurance plan will cost more in annual premium, and may seem like it offers the most benefits since it comes at the
highest price, most of these expensive, high–end health insurance plans aren?t all that necessary and will not offer any real, immediate benefits for
your employees. This is especially true if you have a younger as opposed to an older workforce. So give your employees some substantial savings in
out–of–pocket expenses for medical costs and offer a health insurance plan that costs less but offers more. You can also use any leftover funds or
remaining savings to invest in the health wellness program

The Social Regulation Policy Of Healthcare Insurance
Much debate over the social regulation policy of healthcare insurance through the Affordable Care Act has been on its efficacy by requiring
Americans to be insured. The most recent public poll for November from the Kaiser Family Foundation has indicated 35% of respondents favored the
policy with 45% finding it unfavorable (Kaiser). Individuals favoring this policy are in support of extending health insurance coverage to those who
would otherwise be unable to afford it due to costs or pre–existing conditions. Those against this policy are concerned of the costs behind expanding
public insurance to millions more individuals will be more than private insurance due to a wider range of benefits under public care (Ku and Broads,
w318). There ... Show more content on Helpwriting.net ...
A potential alternative for the rise in out–of–pocket expenses is due to many individuals being female. The underlying theory for this rival hypothesis
is that women are more likely to experience various medical procedures as routine check–ups throughout their lifetime compared to male counterparts
such as for pregnancies or mammograms. This may be true with increasing life spans and with the average woman's lifespan slightly more than men.
Data The dataset used in this policy memo is an extract from the 2010 Medical Expenditure Panel Survey (MEPS). It surveyed 32,846 individuals
across the United States. The outcome is a continuous variable, indicating the out–of–pocket expenses paid by an individual or family for medical care.
My main predictor variable is binary and will be whether or not the individual had health insurance coverage, either private or public. My
alternative explanatory variable is a binary variable of whether or not the respondent is female, with females being 52% of the sample. This variable
is important because it could be used as an indication of whether women are more likely to undergo various hospital procedures as part of a routine
wellness checkup or gender biasedness in care. For this study, I control for the total expenses in prescriptions, office–based expenses, and emergency
room

Medicare Executive Summary
Medicare is one of the major financing sources for healthcare since 1965. Hospital Insurance or Medicare Part A is funded 1.45% from employee
payroll tax and 1.45% from employer on all revenue. Self–employed individuals pay 2.9% of income. The government support nearly 75% of Medicare
Part B and the other 25% is paid by individual's monthly premiums. Medicare Part B individuals will be covered 100% once their $147 deductible is
met. (Shi, L., & Singh, D. A., 2015)
Medicaid developments for low–income adults have shown to improve health insurance coverage and access to care among the target population.
During 2011, 15.2 million people received Medicaid reimbursable outpatient hospital services. 1.6 million people received care in nursing

A Debt Is An Necessary For Administrative Expense Under...
Courts have held that a debt qualifies as an "actual, necessary" administrative expense under section 503(b)(1) if "(1) the claim ...arise[s] out of a
post–petition transaction between the creditor and the debtor–in–possession (or trustee) and (2) the consideration supporting the claimant 's right to
payment must be supplied to and beneficial to the debtor–in–possession in the operation of the business." See, e.g., In re Merry–Go–Round Enterprises,
Inc., 180 F.3d 149, 157 (4th Cir. 1999); see also Caradon Doors & Windows, Inc. v. Eagle
–Picher Industries, Inc. (In re Eagle–Picher Indus.), 447 F.3d
461, 464 (6th Cir. 2006); In re Jartran, Inc., 732 F.2d 584 (7th Cir. 1984). Administrative priority is regularly conferred upon debts arising... Show more
content on Helpwriting.net ...
161 (Bankr. N.D. Ill. 1985) to distinguish between expenses that are mere overhead, and cannot be reimbursed, with those that are directly chargeable
to the estate. As the Thacker court explained, expenses related to a professionals overhead "have a common characteristic in that they are incurred by
the firm on a day–to–day basis, no matter whom it represents. The traditional way to spread these kinds of daily expenses among all the firm 's clients
is for the firm to structure its hourly rates to take such expenses into consideration." In re Thacker, 48 B.R. at 164. On the other hand, "[c]ompensable,
out–of–pocket expenses are those which can be clearly and fairly charged to the Debtors. Court fees, transcription fees, out–of–town travel expenses,
delivery service, long–distance telephone calls and postage expenses, are examples of expenses which can be clearly traced to an applicant 's
representation of Debtors, as opposed to the firm 's other clients." Id. at 10.
This Court in Wyche noted:
"The Thacker court 's distinction between overhead and reimbursable expenses comports with the Bankruptcy Code in that it permits reimbursement
only for expenditures made to satisfy the particular necessities of individual case administration. Meanwhile, the Thacker definition disallows costs
connected to the daily operations of a law firm. Such daily operations include efforts by individual attorneys and staff to ensure that the service they
provide merits compensation

Case Study: Warrior Reimbursement
Warrior Reimbursement
Emory's Veterans Program (EHVP) provides reimbursement for any valid and necessary expenses incurred by the veteran for seeking treatment in our
program. Payment is made to the warrior via gift card. Warrior and/or family members who are found abusing the reimbursement policy will not be
permitted to continue to receive financial assistance in accordance with this policy from EHVP.
What are Reimbursable Expenses?
Emory's Veterans Program will reimburse all reasonable expenses associated with receiving treatment in our program. The warrior must receive prior
approval from their case manager prior to receiving a reimbursement. If you have any questions regarding if an expense should be reimbursed please
email both Heather ... Show more content on Helpwriting.net ...
Mileage is covered at the current year's standard GSA POV rate (http://www.gsa.gov/portal/content/100715). Warriors are required to complete a
mileage and toll fee reimbursement form prior to receiving reimbursement for their POV expenses. Warriors will receive a gift card at the time of
their appointment for OP treatment. For IOP treatment, warriors will receive a gift card prior to their last day of treatment. A warrior can only
receive a POV reimbursement for 1 vehicle. o If seeking treatment in the IOP, the warrior will only receive a POV reimbursement for their travel to
and from the IOP. If a patient decides to use their POV during the IOP POV reimbursement is not available. Warriors in the IOP must receive prior
approval from their care team to receive a POV reimbursement for travel that occurs during the IOP. Case by case special reimbursement includes: at
the care team's request, warrior has a service animal, warrior has a caregiver,

Managed Care vs Traditional
| Managed Care Vs Traditional Insurance | By Iris Miranda|
|
Iris Miranda
University of Phoenix
HCA 230
January 23, 2011
Della McMillon
Presently in the United States there are several different health care plans and the decision to accept Managed Health care plans become difficult.
Managed care is the most utilized form of health insurance in the United States for it provides cost that is efficient versus paying for services
rendered in one lump sum. However like everything in life, there are pros and cons to consider when it comes to managed care versus traditional
insurance. What is Managed care? Managed care is a health care system which provides a person ... Show more content on Helpwriting.net ...
Furthermore, once the person has exceeded their deductible, the company will only pay eighty percent of the remaining bill, which by this time you
would probably be paying a large sum. Managed Care from a consumer's perspective is more affordable, there is no deductible and there is also no
obligation to pay a percentage of the medical bill. Therefore the difference between the two, Traditional and Managed is simply financial. From a
physician's stand of point traditional insurance (fee–for–service), the consumer or patient pays the physician directly unless the patient has exceeded
their deductible from their insurance, in which case the patient would pay a portion of the bill, and the remaining balance is reimbursed from the
insurance to the physician. Being a physician who participates in Managed Care accepting various medical insurance like HMO, PPO the physician is
provided with several amenities which include an office and administrated support, salary, better working hours. With PPO some of the amenities may
include treating patients outside the plan, stable patient load, and independence to run office. The drawbacks from these insurances (HMO, PPO) are
you have a limited to select from a network of physicians, therefore if you changed professions and had to work somewhere else that offered a
different insurance which your current doctor did not participate with, you would now need to switch over to someone

Contraceptives And Reproductive Rights
The issue of contraceptives is mainly seen as a reproductive rights and women's rights issue; touching on the Pro–Life v Pro–Choice debate. With
contraceptives, women can be seen to be given equality (promotes equality). It allows them autonomy and choice. It allows women to have control over
their own bodies and select choices as they see fit. Having religiously affiliated organizations refusing to fulfill the requirements of the ACA limits the
autonomy of female employees. It can also be argued that this issue infringes on the employees' First Amendment rights. Proponents of the mandate
believe that religiously affiliated organizations, particularly for–profit organizations, are responsible for providing reproductive services (including

Should College Athletes Be Paid? Essay
In the last few decades a crucial question raised around collegiate athletics and the student athletes who compete within the NCAA. Some argue that
college athletes should be paid because of how valuable they are to their school, and because of how hard they work to manage both their sport and
school work. However, others believe college athletes don't deserve payment because of the many benefits they already receive due to playing sports.
Therefore, supporters of paying college athletes say they deserve compensation due to their dedication and amount of revenue they bring to their
universities; yet, the opposite side argues athletes already enjoy many luxuries along with their scholarships that other college students do not receive.
The controversy of pay to play became popular in recent years; however, the subject actually began a few decades ago. The issue of paying college
athletes actually began during the 1920's through 1940, due to the popularity of college football. Howard Savage, a staff member of the Carnegie
Foundation raised this question:
Whether an institution in the social order whose primary purpose is the development of the intellectual life can at the same time serve an agency to
promote business, industry, journalism, and organized athletics on an extensive commercial basis? Can it (theuniversity) concentrate its attention on
securing teams that win, without impairing the sincerity and vigor of its intellectual purpose? (Johnson)
Savage posed the

Health Insurance Matrix
University of Phoenix Material
Health Insurance Matrix
As you learn about health care delivery in the United States, it is important to understand the various models of health insurance to develop a working
knowledge as you progress through the course. The following matrix is designed to help you develop that knowledge and assist you in understanding
how health care is financed and how health insurance influences patients and providers as important foundational information for your role as a future
health care worker. Fill in the following matrix. Each box must contain responses between 50 and 100 words using complete sentences.
Include APA citations for the content you provide.
Origin: When was the model first used?
What kind of ... Show more content on Helpwriting.net ...
Indemnity health plans run on a retrospective payment system. A member has a monthly premium. Co–pays and a deductible. Upon visits the provider
submits claims for services rendered to the insurance company, upon which the insurance company pays their part and the member is billed for the
remaining balance to be paid out–of–pocket.
With indemnity plans employers deduct the monthly premium from payroll of each employee on the plan. Both the member and the insurance
company pay for services rendered. Upon receipt of the services the insurer pays the provider their portion if the deductible has been met. The member
is then responsible for the remaining balance and the co–pay at the time of service.
The structure of an indemnity plan is completely "open access". The member may choose any provider or specialist they would like. In an indemnity
plan there are no restrictions on providers or provider type. It is the member's responsibility to seek and sign on with their preferred provider or
specialist.
Positive aspects of indemnity plans include the liberty of the member to choose their preferred provider or specialist and their preference of type of
care they wish to receive. A negative aspect of indemnity plans from a members stand point is the cost of these plans. Premiums and deductibles then to
be higher with indemnity plans over other insurance plans due to the freedom

How Congress Should Enact A Law Increasing Pay And Closing...
Could you imagine working 80 plus hours a week and only earning around $26,000 in salary per year as a flat rate, but there's a catch. The average
enlisted soldier with four years or less of service makes roughly $2300 a month and that's with 65 hours plus a week. An average day consists from
working from 5:00 AM to 6:00 PM or later with no say in the matter. $27,600 a year before taxes before paying your benefits and retirement. Breaking
this down to a 65–hour workweek enlisted soldiers are making less then Minimum wage. Soldiers protect our freedoms our way of life and our
country, regardless of the physical or emotional cost, even with the risk of ones life. Congress should enact a law increasing pay and closing the gap
between the civilian pay scale and the military pay scale.
The military pay scale should be increased, closing the gap and offsetting the difference in yearly wage for many reasons, but most of all time spent on
the job. Soldiers wish they have a set 9 to 5 it's around the clock 24 hours 7 days a week you work when you're told to work. First there are no sick
days no tired days no hungry days if there is work to be done it will be done. Ones job as a soldier never ends, counting the hours till you get home
does not happen most of the time one counts the week's, day and months. The biggest fault is when that moment comes and you relaxed with family
all it takes is a text or call saying be at work in 20 min. Civilian jobs 9 to 5 if the job is not done there

The Patient Protection And Affordable Care Act Essay
Problem: The Patient Protection and Affordable Care Act (ACA) leaves coverage gaps for millions of Americans. The ACA focuses on individuals
without insurance, but in the meantime, increases the spread in those underinsured. Before the ACA the number of adults underinsured age 19–64 in
2010 was, 16 percent, or 29 million (The New Health Care). New estimates in 2014 indicate that 23 percent of adults 19–64 who were insured, or 31
million, had such high out–of–pocket costs or deductibles relative to their incomes that they were underinsured (The Problem of Underinsurance).
"The share of continuously insured adults with high deductibles has tripled, rising from 3 percent in 2003 to 11 percent in 2014. Half (51%) of
underinsured adults reported problems with medical bills or debt and more than two of five (44%) reported not getting needed care because of cost"
(The Problem of Underinsurance). The goals of the ACA are accessibility and affordability to healthcare coverage and treatment, so why has the
number of underinsured increased? Landscape: The marketplace plans available through the ACA or Obamacare programs are divided into four levels:
bronze, silver, gold, and platinum. The bronze plan being the most affordable, with the least coverage, and the platinum plans being the least affordable,
with the most coverage. The number of underinsured has increased due to this division in health coverage. However, the number of individuals who
are uninsured has deceased, because these

The Importance Of Health Care Among Elderly Americans
Many elderly Americans face the risk that a long debilitating illness will strip them of their financial self–sufficiency and force them to live out their
last years on welfare or dependent on their children. Of all groups in society, the elderly population is at the highest risk of incurring high health care
expenses. One of every five elderly is hospitalized each year, and of those hospitalized, 22 percent will reenter the hospital within sixty days. On any
given day 5 percent of the elderly are institutionalized in nursing homes; one of every four elderly will enter a nursing home during his or her lifetime.
These levels of health care utilization, coupled with the high cost of medical care, put the elderly population at potential risk of ... Show more content on
Helpwriting.net ...
The authors found that there was little agreement among respondents as to whether a particular stay would be covered by Medicare, and for how
long clearly, there is a need for Medicare to clarify coverage standards so that both nursing homes and beneficiaries will know whether they will
receive reimbursement. Medigap policies are to protect themselves against the financial consequences of health care expenses that are not covered by
Medicare; about two–thirds of the elderly have purchased private supplemental insurance policy, by income and race, as well as those having private
supplemental insurance and Medicaid. the largest component of out–of–pocket costs among the aged population is nursing home care. One reason for
this is that Medigap policies tend to pay very little. This occurs because Medigap policies typically will cover a stay only if it is covered by
Medicare, and cut–off coverage when Medicare cuts off coverage. Although some Medigap policies cover stays up to 365 days, typically they do so
only if Medicare covers the stay through the entire 100–day coverage period, which, as noted below, is rare. Even a policy that provides a full year of
coverage could cut off benefits after the 100th day if the nursing home stay no longer met the medical requirements of Medicare

Benefits Of The Cobra Coverage
The advantages of the COBRA coverage would be that if you have already met your deductible and your coinsurance or out of pocket for the year you
would not have to pay additional money out of your pocket except for the full premium for the group health insurance (United States Department of
Labor, n.d.). The disadvantage of COBRA is that you will be responsible for the full amount of the premiums to keep the insurance that you currently
had with the employer. You would only have to pay that premium until you found another job that offered group health benefits and then you would not
be subject to the pre–existing condition for any illnesses that you are your spouse would be consider not to be covered under the new group health
plan. If you could afford the full premiums of the COBRA until you locate another job, I would recommend doing the COBRA coverage until you
obtain other employment. If you had a health spending account, you would have to option to continue that as well with your health benefits to assist
you in meeting the deductible or out of pocket expense for health bills.
The advantages of the Marketplace (Affordable Care Act) policy would be that you have more choices that you can pick from (Medical Mutual, n.d.).
You have the option to review the plans, deductibles, and the coinsurance that is suitable for your family needs. You can also switch plans, options or
even health insurance companies when you want. The less stress and fear of losing your coverage on

Benefits Of Payment Reimbursement Systems Within The...
Effective payment program strategies are a major part of administering health care. Reimbursement programs are a part of the United States (U.S)
health care system. They represent a financial tool for providing cash flow to service physicians and hospitals. Most often, the ability to provide
quality health care depends on the payment for the services given by physicians and hospitals. This paper presents a view of payment reimbursement
systems within the health care industry. A comparative overview and description of payment reimbursement will be given in order to understand the
flow of finances in the health care industry. The focus will be on the levy and fee–for–service reimbursement systems. Readers will then be able to
conclude that... Show more content on Helpwriting.net ...
Contrary to the situation in which the patient makes payment arrangement with the caregiver, and then file claim directly to the insurance company to
recoup all or at least part of the medical charge.
The costs of health care are higher in the United States than in other countries and put a strain on the overall economy. In the United States, health
care is technologically advanced but expensive. Health care costs were about $2.6 trillion dollars in 2010. For decades, the amount of money spent on
health care has increased more than the overall economy has grown. Health care is paid for by government programs, private health insurance plans, and
the person 's own funds.
Private insurance
Private insurance can be purchased from for–profit and not–for–profit insurance companies. "Although there are many health insurance companies in
the United States, a given state tends to have a limited number". Herzberg, D. Most private insurance is purchased by corporations as a benefit for
employees. The amount of money employers spend on an employee 's health insurance is not considered taxable income for the employee. Because the
government enables employees to spend less on health care, they may use health care services more.
Government insurance programs
The largest government insurance programs include
Medicare, which funds

Crisis Communication Case Study : Epipen Price Raise Essay
Crisis Communication Case Study:
EpiPen Price Raise
Jake Dalton
Boise State University
Rough Draft
Abstract
The EpiPen device automatically injects a drug called epinephrine, which reverses potentially deadly allergic reactions. It is the only device of its
kind available in the United States. Millions depend on carrying the device at all times. For decades the EpiPen was available at a low cost until the
Mylan Company purchased it in 2007. Since then, the price has risen over 400% creating a public backlash of media reports, social media petitions,
and politician's calling out Mylan executives to explain the reason for the price raise. Lack of compassion and appearance of greed has tarnished the
public image of the company. Mylan has begun looking for ways of rebuilding their image by releasing compensation to the public in the form of
generic cheaper EpiPens and payment assistance to eligible patients, but it might be too little too late in this current ongoing communication crisis event.
EpiPen pricing controversy In 2007, the Mylan pharmaceutical company purchased the rights to the EpiPen. The drug inside the EpiPen is
Epinephrine, which is a synthetic adrenaline that is used to treat possible anaphylaxis shock caused by allergies. "Evidence–based guidelines
recommend the prompt administration of epinephrine as first–line treatment for an anaphylactic episode" (Dinakar, 2012). Millions depend on carrying
the drug to live a normal life. Currently the EpiPen has no

The Issue Of Healthcare Reform
Healthcare reform continues to be a topic of discussion among politicians, medical professionals, and many Americans who are struggling to pay for
care in a system where costs are skyrocketing out of control. Consequently these costs are forcing many Americans to file bankruptcy due to the
massive amount of medical debt that they owe, slowing our economy and reducing reimbursements for medical facilities (Khazan) The debate on how
to fix health care continues, even after the Affordable Care Act was passed in 2010 to help begin our national journey to fix health care in America.
Currently there is a divide between the two Democratic presidential nominees in regards to how we should fix our current system. Bernie Sanders is...
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Many believe that healthcare in Canada is free when in fact if you look at it from a policy framework view it is not. The healthcare system in
Canada is financed by government enforced tax rates that vary in costs depending on family size. income, and province location (Canadian Health
Care). While the federal government creates standards for health care, provincial governments make decisions in regards to where hospitals
should be located, how many physicians each location should have, and the services that they will provide (Canadian Health Care). Ultimately, if
the United States moves to a single payer system, taxes will increase to pay for the program. The question that often is asked when discussing a
single payer system is how much will my taxes increase and it this cost more than I am currently paying. This is most often where the debate
begins. In 2013 the average tax dedicated to the healthcare program for a family of 4 in Canada was $11,320 (Esmail). For a family of three with two
parents, the cost was approximately $10,989 (Esmail). This tax pays for all medical care and does not require additional payments for co–pays,
deductibles, or out of pocket expenses (Canadian Health Care). For a family of 4 in America the cost of health care averages $22,030 with an
employer paying $12,886 of that total cost and the remaining $9,144 being paid for by the employee (Esmail). This cost includes payroll

How Does The Affordable Care Act Affect Medical Expenses
How Does The Affordable Care Act Affect Medical Expenses In Personal Injury Cases?
Prior to the enactment of the Patient Protection and Affordable Care Act (ACA) on January 1, 2014, it was generally assumed that most personal
injury plaintiffs would pay for future medical expenses out–of–pocket rather than with any type of insurance. Now with "Obamacare" comes the
potential for significant changes to the way personal injury cases are settled, and the amount for which they are settled. In examining its impact on
damages awards, it must be noted that the ACA has survived many legal challenges and will likely have to survive more.
Probably the ACA 's most important effect is that all Americans must be covered by some minimum level ofhealth insurance. Private insurers are no
longer allowed to discriminate against individuals with pre–existing conditions. Also, most health insurance plans must include and cover "essential
health benefits," such as hospitalization, therapy, medication, and other types of "essential" services. Thus, most, if not all, of the health benefits a
victim may require are included in the definition of "essential health benefits."
Personal injury plaintiffs often utilize a life care plan which details the client 's current and future medical needs and expenses arising from a
defendant's negligence. The jury considers the life care plan as it considers any other evidence. As the effects of the ACA manifest over time, life care
plans may no longer assume

Medicare Benefit Analysis
Overview: Medicare – passed into law in 1965 – is the federal health insurance program designed for Americans over the age of 65 and certain people
with disabilities. Medicare Part A covers inpatient hospital services. Medicare Part B covers physician and outpatient care. Medicare Part D is the
prescription drug benefit. Medigap is a supplemental insurance for individuals with Parts A and B, sold through private insurance.
The Challenge: Medicare represents a significant share of federal spending. The cost of Medicare continues to climb as the U.S. population ages, with a
growing number of enrollees consuming increasingly expensive care. The current system is also complex and fragmented, making necessary reform
that much more challenging. ... Show more content on Helpwriting.net ...
Making beneficiaries less likely to seek needed care can result in increased costs in the long term as health conditions worsen.
Any proposal that considers decreasing government spending is likely to raise costs for some beneficiaries while lowering costs for others.
Provisions have been included to assure affordability for the most vulnerable beneficiaries, and cap out of pocket expenses for all beneficiaries. While
it is difficult to distinguish between necessary and unnecessary utilization, these issues are addressed in the redesign through lower cost sharing for
high value services and subsidies for low–income beneficiaries.
Political Implications: Overall the proposal strikes a bipartisan balance by including the combined deductible for Parts A and B, and establishing max
out of pocket expenses. Increased cost sharing for beneficiaries, a popular policy among conservatives, is balanced by subsidies for low–income
beneficiaries. Increasing the Medicare eligibility age is also a popular reform measure among conservatives, but constitutes too great a benefit cut to be
included in this

HSA Qualified Plans Case Study
We want to share a little bit of information is important to those of you are buying individual policies on the public exchanges. The plans on the
exchanges, and in general, are typically far more affordable when you're looking at the plans that have a higher deductible. The plans that have been
considered most affordable and have really received the most attention from folks buying individual policies have been the HSA qualified plans. In
case you are unaware of what an HSA qualified plan is, it is it is an option that allows for a lower monthly premium because of a higher out–of–pocket
exposure. So these are the plans that you hear about that carry to 3, 4 and $5000 plus deductibles. This particular class of plans allows for those
who purchase them to open was called a Health Savings Account. A Health Savings Account allows qualified plan participants to put money away to
pay for eligible medical expenses, free of any income taxes. If you are receiving your benefits through work and you have an HSA qualified plan,
typically, your premiums would be taken out of your paycheck tax–free, if you're buying an individual plan obviously you can't have your premiums
deducted are your paycheck. Those of you buying individual plans you're able to write off your contributions to your HSA when you file your taxes.
So, not quite as convenient as... Show more content on Helpwriting.net ...
state that the individual deductible has to be under 1250, which oddly enough is just slightly under the 1300 required to be HSA eligible. That $50
difference has two major effects on the individuals in the silver plans one you will not be able to buy what is considered an HSA eligible plan, they
will not be available deftly not in 2018 likely not in 2017. So, you be paying more in premiums for your health insurance and you will no longer be
eligible for contributing to an HSA account. This is a significant change in something we really need to start planning for right

Birch Paper Company
Birch Paper Company Relevant Information & Equations 1)Birch Paper Company is a producer of paper, paperboard, and corrugated boxes. The
company is integrated, consisting of four separate production divisions. One of its divisions, Northern Division, asked for bids on a special
corrugated box. It requested bids from one of its sister division (Thompson Division) and from two outside companies. The issue at hand is whether
Northern should accept a bid from its sister division or from one of the outside companies. It should be noted that Thompsons bid is substantially higher
than the bids received from the outside company. Relevant information pertaining to the three bids are provided below. 2)Thompson Division a)Bid...
That leaves Southern with a profit of $31.50 per 1000 boxes it sells to Eire papers. (35% x $90.00 = $31.50) –Thompson would print the boxes at a
price of $30 per 1000 boxes with an out of pocket expense of $25 per 1000; leaving Thompson with a $5 profit per 1000 boxes. 5)Company view on
costs. (1)What bid should Kenton accept? –Birch company is a decentralized company which allows for its division managers to make their own
decisions regarding many aspect of their business. Kenton is the manager of the Northern Division, therefore he must make the proper decision with
respect to his division. If Kenton wasn't thinking of the company as a whole but just his division's profit margin he would accept Eire Paper
Company's bid because their bid presents the best profit margin for Northern Division. Kenton should accept the Eire bid. (2)Which bid is in the best
interest of Birch Paper Company? –The Thompson bid is in the best interest of the Birch Paper Company. The out of pocket costs are much lower for
Birch when keeping the bid internal. When evaluating the out of pocket costs associated with the different bids, it's clear Birch cuts costs drastically
when accepting the Thompson bid. (3)Should the commercial vice–president intervene? If so, how? –Yes the vice–president should definitely
intervene. The vice–president needs to implement new measures that encourage goal

Financing The Failing U.s. Healthcare System
Financing the Failing U.S. Healthcare System
The three principle parties involved in the U.S. Healthcare system are the consumer, provider and insurer. The provider includes the hospitals, clinics,
doctors, nurses and pharmacies that provides a service; the consumer is the individual who receives the medical service and supplies the money; and
the insurer is a third party intermediary between the provider and the consumer which accept money from a pool of consumers and reimburse the
providers. Like any transaction, there is a certain degree of risk associated for members of the different parties. This risk is based upon variables within
the U.S. healthcare model including the method of, and who is reimbursing the providers.
The method of reimbursement determines which party will bear the greater financial risk and can lead to an excess supply of medical services that
drive up prices and provide no additional benefit to individual consumers because of producer and consumer moral hazard. To maintain a sound
healthcare market government regulation is required in the current U.S. healthcare system because it would otherwise fail.
The following paragraphs will discuss the methods and effects of reimbursement in the U.S. healthcare system, which party bears the financial burden,
issues of moral hazard and cost control mechanisms, and the role of government regulation in the healthcare market.
Fixed payments are pre–determined amounts that providers receive regardless of the

Changes to the Medicare Program
Medicare currently pays for many preventive services that can detect health problems early when they're easier to treat, give better access to claims and
personal health information, and allow for savings on brand–name and generic when coverage gaps are met. The actual benefits of Medicare will not
be changing. There will however be a new plan that is key to the Affordable Care Act that will take place in 2014. This plan is theHealth Insurance
Marketplace that allows individuals, families, and employees of small businesses to get health insurance. (Services, 2013 ) The Marketplace offers
insurance plans through private companies that will provide essential health benefits regardless of gender, preexisting conditions, or preventative ...
Medicare also does not pay for long–term care services, routine dental care and dentures, routine vision care or eyeglasses, or hearing exams and
hearing aids. The deductibles are extremely high for the enrollee and their beneficiaries and there is not a limit on the annual out–of–pocket expenses
that one could accrue. (Carroll L. Estes, 2013)
The new health reform law will reduce the amount that enrollees will have to pay for prescriptions after they reach a coverage gap. The law will
reduce the out–of–pocket expenses for enrollees who are considered to have catastrophic coverage. The law will be reducing the federal payments to
the program and this will reduce what Medicare pays for beneficiaries. The law will reduce the amount of annual updates that Medicare pays to
different facilities and will adjust payments based on productivity. There will also be new policies to reduce costs while also improving the quality
that enrollees receive. Facilities will no longer be reimbursed for unnecessary tests and procedures, longer hospital visits and hospital–acquired
infections. The law will also consider recommending programs and policies to help reduce spending after it has reached its target growth level.
(Carroll L. Estes, 2013)
There are many major changes to Medicaid in the upcoming years. States will be able to provide full–coverage to women with

Definition of Health Insurance
Definition
Health insurance is insurance against the risk of incurring health care related expenses. It indemnifies the insured for the related financial loss. It is
important to note that health insurance is a form of short term insurance. Disability, critical illness and long–term care insurance are all subclasses of
health insurance.
When an individual buys health insurance, he/she enters into a contract (policy) with the insurance company so that for a monthly premium, the
insurance company will provide cover for medical expenses incurred. The level of cover and the health care providers allowed will range between
different products. Coverage will include visits to doctors or hospitals, prescriptions, cost of medical examinations or ... Show more content on
Helpwriting.net ...
(Obringer & Jeffries, 2006)
There are many different types of health insurance, the main forms include:
Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations: Where you choose a primary care physician. You are then cover
for care received from specifies hospitals and doctors, all other care providers are not covered.
Preferred Provider Organizations (PPOs): You pay higher fees for care received from a preferred provider list and higher fees for all hospitals and
doctors visited that are not on the list.
Point–of–Service plans (POS): Combination of HMO and PPO.
High Deductible Health Plan (HDHP): A cheap form of health insurance with higher deductibles.
Catastrophic Health Insurance Plan: Provides cover in the event of an accident or serious illness.
(HealthCare.gov, 2014)
Other health care related products that aren't indemnifying include:
Hospital Cash cover: Provides a cash lump sum per day that you are in hospital. Can also provide some cover from loss of income.
Medical Gap Cover: insures you against the event that there is a shortfall between the cover your medical scheme provides and the actual payment
required. The two main risks that all standard health insurance products provide cover for are:

Pharmaceutical expenses, doctor visits and tests: High frequency and low cost.
Hospitalization: Low frequency and high cost.
(Rosner, Leppert,

PPACA Response Paper
My understanding of the Patient Protection and Affordable Care Act of 2010 (PPACA) is average to above average and specifically how it affects
me and other individuals. According to Kaiser (2013) the main component of PPACA is most individuals and legal residents are required to have
health insurance. To accomplish the goal of reducing the 40 million uninsured is for Medicaid expands to 133% of the federal poverty level
(Lammers, n.d.). Next, adult individuals whom are 26 years of age or younger can be covered under their parents' insurance plan and children and
adults can't be denied coverage due to pre–existing conditions.
I have always had health insurance from the time being diagnosed with colorectal cancer at 22 years old to now 21 years later. I thought the PPACA
would help lower my health insurance premiums and out–of–pocket expenses but it hasn't they have only increased. ... Show more content on
Helpwriting.net ...
Another concern is why this PPACA commonly known as Obamacare has to be so complex. For example, one of the components individual
mandate which isn't just a mandate to have insurance, but a mandate to have a specific type of insurance that the government had directed
(Tanner, 2014). On the other hand I do remember when I was concerned about preexisting conditions because if I changes jobs after having cancer
I was concerned if the I would not be insured with the next employer so I stayed with a job longer just so I would still have insurance in case I had
a reoccurrence. I was happy to hear that preexisting conditions were addressed in the Obamacare because a lot of the health conditions people get
isn't something they can prevent so why are we being denied insurance coverage. I hope from what I understand from this health reform that people
don't have to feel stuck in a job for fear of not being covered by their new employer's insurance

The Marginal Tax Rate ( Irc Section 351
Elizabeth would recognize the gains received by the corporation and would be taxed at their marginal tax rate (IRC Section 351, n.d.).
Recommendation
Maria and Jason, along with Robert and Elizabeth, must focus first on the initial setup of the organizational structure and the tax consequences on the
corporation and individually before addressing the other factors of the organization, which are simple and easily addressed by discussing individual
and group objectives. The first point to address is the IRC Section 351 limitation of 80% control of the corporation. Maria nor Jason are interested in
decreases their control of the corporation and the best approach is for Robert and Elizabeth to contribute their proposed transactions and being taxed of
on the gains at their marginal tax rate. Otherwise, it is best for Robert and Elizabeth to reevaluate their proposed transactions in order minimize the tax
consequences. The IRC Section 351 limitation only pertains to an even exchange of property, weather property or cash, for corporate stock and 80%
control of the corporation (IRC Section 351, n.d.).
The second factor concerning the corporation is confidentiality and data security. Conversations concerning expansion or other contract details should
be conducted during a lunch meeting at a restaurant or Maria, Jason or Elizabeth home office until an agreement is reach on the best location for a
general office space. This will also provide a relaxed ambiance for the

Essay On Triicere
Tricare or CHAMPUS is a health insurance program that is for spouses and dependents of active duty military personnel as well as retired military
and their family. There are different plans with this program. They are called TRICARE Prime, Standard and Global Remote Overseas. Also, a
Medicare program is available for retired military personnel, which is called TRICARE for Life. Each plan has different benefits and eligibility
requirements. TRICARE Prime is used for members who must travel more than 100 miles from their primary care doctor to receive special care.
Beneficiaries are reimbursed for certain travel costs like lodging and meals. These types of expenses are reimbursed up to the government rate. The
average cost for... Show more content on Helpwriting.net ...
The facility may put mileage limits beyond 30 minutes or specify zip codes ("Tricare plans and," 2013). Military personnel and their family
members must participate in the DEERS which is the Defense Enrollment Eligibility Reporting System. It is a database of service members
whether they are active duty or retired, their family members and other people who are eligible for military benefits and TRICARE. In order for
military personnel to receive benefits they must have current registration in DEERS ("Tricare plans and," 2013). They can enroll online and keep
everything up to date via the internet. Claims and reimbursement may also be made through multiple website affiliated with TRICARE. After
doing my research and trying to differentiate between all the TRICARE plans it seems as though it can be quite difficult on deciding which plan
is best. There are just so many different options and plans that are for specific types of military personnel. Some plans should be chosen with
consideration to location of the active duty member and their family. It would be best to stick with the Prime plan in most situations but other plans
may need to be added as a supplement to ensure out of pocket costs are kept low for families. The positive aspect is that there are many choices and
ways to keep everyone in the family covered and at a low cost. It would be helpful for military personnel and their family members to have a class

The Affordable Care Act Of Obamacare
On March 23, 2010, the Affordable care act also known as "obamacare" was signed into law by president Barrack Obama. Only gay marriage
legislations and gun laws have elicited more public response than the affordable care act. Both opponents and proponents have presented constructive
arguments of the perceived failures and strengths of the act. Owing to the intense debate surrounding the act, very few people understand that the act
only came into full implementation in 2014. The raving reviews and critiques of the debate have bordered on myths and perception influenced by
political alignments. Pertinent questions have been asked about the affordable care act. There have been conflicting accounts on the role of the
affordable care act in regulating the health insurance industry. Concerns have been raised on why patients are paying higher out of pocket expenses
yet the affordable care act was meant to introduce checks and balance in healthcare provisions. This paper therefore seeks to deeply explore the
affordable care act by researching on these questions. The paper will also demonstrate perspectives on the good and the bad that comes from the
affordable care act. Lastly, the paper will analyze healthcare situation in New York City with statistics showing that healthcare services are becoming
more expensive in the city even after the full implementation of the affordable care act.
In its simple form, the affordable care act was a piece of legislation aimed at implementing

Medicare And The Elderly Of The United States
The quantity of Medicare eligible individuals continues to grow as the median age of the population of the United States rises. The old Medicare
system has become outdated and strained because of the volume of individuals that are currently receiving benefits within the program. Since the
enactment of the Affordable Care Act (ACA),Medicare has become the main source of delivering healthcare insurance for the elderly of the United
States. In order to meet the current requirements of the ACA, Medicare must be reformed in order to provide the promised services for the individuals
that are currently receiving benefits and for the future survival of the program.
Medicare was established by the federal government to provide healthcare insurance initially for the elderly and included the disabled a few years
after the program's inception. As of 2013, there were 52.3 million beneficiaries of Medicare, with an average of $11,910 spent on each individual for
healthcare, with a total annual budget of $582.9 billion (NCPSSM, 2015). Medicare is funded through two trust fund accounts that are held by the U.S.
Treasury: the Hospital Insurance (HI) and Supplementary Medical Insurance (SMI) Trust Funds (Medicare.gov, 2015). These trust funds are financed
by payroll deductions, Social Security benefit taxes, premiums paid by Medicare beneficiaries, interest from investments, and funds furnished by
Congress (Medicare.gov, 2015). All of these resources subsidize the Medicare Trust Fund in

State Health Case Study
Marcus, Thank you for your the time last night presenting and explaining an alternative option to the State Health Plans. I thought having the Benefit
Team with you provided a great opportunity for the group to ask questions and understand the differences in the Plans/Programs. However, my overall
impression of the meetings and the information provided to the group hasn't changed. As predicted, there are many versions of last night meeting and
talking points running rampant through each location at the MUA. When you present a new process or idea to a group of non–subject matter experts,
in my opinion, you need to provide written information on the change and an FAQ sheet; this ensures the group understands the changes and thoroughly
... Show more content on Helpwriting.net ...
Good stuff. Moreover, I'm not trying to come off as a 'know it all', my hope is my work experience will ensure my husband and his Teammates are
completely educated to make the most informed decision possible. In closing, I appreciate all your efforts and look forward to our next meeting.
Have great holiday! Steve, I hope you and Marcus agree the below information is a good starting point for the guys. Please feel free to call me with
any questions. Definitions of Insurance Terms & Examples Co–Payment – A fixed payment that is paid at time of medical services, typically a doctor's
office visit. Deductible – A specified amount of money that the insured (employee) must pay before the insurance company pays a claim. o Example:
п‚§$1,000 – Medical Charge п‚§$ 500 – Allowable billable amount form Insurance Company п‚§$ 250 – Deductible (Employee paid) *Note – the $250
deductible is a onetime annual charge with a maximum of 2 per year. Therefore, a family of 4 would only pay 2 deductibles or $500 per year. п‚§$ 250
– Claim amount paid by Insurance Company Co–Insurance – This is a portion of a medical bill that is shared by the Insurance Company and
Employee – the split is Insurance Company pays 90% and the employee pays 10%. The coinsurance cost caps at $500 annually; each member of the
family is subject to the

Prescriptions Skyrocket Case Analysis
Supplementary insurance should not be mandated to Ontario residents. Supplemental insurance is to be voluntary. The rise in prescription drugs
increases the attractiveness of opting for mandating insurance. Mandating insurance leaves room for price reductions for some, but not all. This brief
sheds light on confidential drug negotions concerning consumers high price that is given to a questionable system.
Transparency should be the forward pushing factor. Some reform into the already existing health care system will be vital to not having mandated extra
coverage. By improving basic and universal care to Ontario residents, this can ensure rate reduction in overall health expenditures.This will allow
consumers to opt in to insurance that is ... Show more content on Helpwriting.net ...
Families and individuals saved on average three to ten dollars on non–drug spending products for each additional dollar spent on prescriptions. With a
total potential net savings of $7,800 per patient in a given year. Although this is data sets provided on America's health care system, it opens the door to
Canadians about adherence rates and there overall savings benefits. Adherence to medication is important, but the number one reason for
non–adherence stems from out of pocket expenses. This had led 1 in 10 Canadians to nit fill a prescription, yet alone adhere to a regiment. It comes
back to the importance of insurance coverage. Other factors in contribution range from already poor health, low income,and being under the age of

Benefits Of Being A Patient

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