The Patient Protection And Affordable Care Act Essay

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
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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 the Health 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 ... Show more content on
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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

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

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,

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
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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

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,

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 ... Show more content on Helpwriting.net ...
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

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
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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:  $1,000 – Medical Charge  $ 500 –
Allowable billable amount form Insurance Company  $ 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.  $ 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

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

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 ...
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1.2.2 To identify how much non resident of UITM students spend their money for education
expenses for every month.
1.2.3 To identify how much non resident of UITM students spend their money for food for every
month.
1.2.4 To identify how much non resident of UITM students spend their money for pay their rent for
every month.
1.2.5 To identify how much non resident of UITM students spend their money for utilities expenses
for every month.
1.2.6 To identify how much non resident of UITM students spend their money for socializing for
every month.
1.2.7 To identify how much non resident of UITM students spend their money for transportation for
every month.
1.2.8 To 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

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

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

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 (the university) concentrate its
attention on securing teams that win, without impairing the sincerity and vigor of its intellectual
purpose? (Johnson)
Savage posed the

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

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

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

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

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

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

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

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,

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

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 ... Show more content on
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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

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

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

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
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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

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 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.
2.2.1 Compensation 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.

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

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
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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

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

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

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 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
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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

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

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

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 of health 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

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

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 Patient Protection And Affordable Care Act Essay

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