The document summarizes research on underinsurance in Kansas. It defines underinsurance and describes methods used, including surveys and interviews. Key findings include:
- Many underinsured individuals did not realize their coverage was inadequate until facing medical bills. While some considered their plans good, the reality was different.
- Underinsurance disproportionately affected those with high health needs or low incomes. Monthly out-of-pocket costs ranged from $420-1,500 on average.
- Consequences of underinsurance included financial strain, medical debt, bankruptcy, deferred or forgone care, and difficulties paying for basic needs.
Web conference explaining California's new pediatric hospice and Palliative Care Benefit. In two parts: palliative care for children explained and what is the wiaiver?
The document provides an overview of gerontological and community-based nursing, defining key terms related to aging populations, outlining factors that influence aging and national health goals, and describing the roles and scope of practice for gerontological nurses who provide care for older adults in various settings.
Presentation 224 a barnes_klapper_laregina_ashley fund ppt oct 2014The ALS Association
The document describes the establishment of a family funding program called the Ashley Fund. It was created to provide financial assistance to children living with a parent who has ALS/MND so they can participate in normal activities. Over time, the program committee worked to address obstacles families faced in applying, such as pride, lack of time. Outreach methods like simple applications and reminders from clinical staff helped more families utilize grants for camps, lessons, and creating positive memories.
The Clinical Social Worker at the MDA Clinic provides counseling services and resource referrals to patients. Counseling services address issues such as adjusting to diagnosis, caregiver burnout, family disruptions, disability applications, loss and grief over disease progression, and stress on relationships. Referral resources include assistance with insurance, basic needs, medical equipment, and estate planning documents like healthcare powers of attorney and living wills to ensure wishes are followed if unable to communicate.
From the Customer Experience Trend tracker this presentation is the one used for the webinar addresed by Qaalfa Dibeehi, Kalina Janevska and Colin Shaw: A well
LegalHealth is a nonprofit medical-legal partnership that began 15 years ago and now works with 26 hospitals in New York City. It started with one hospital partner and now serves patients at most major public hospitals and healthcare systems. LegalHealth places attorneys in hospitals to address patients' legal issues that impact their health, such as immigration status preventing access to healthcare or housing disputes exacerbating medical conditions. Over the years, it has expanded its services, trained healthcare professionals, advocated for policy changes, and served as a model for medical-legal partnerships nationwide.
Navigating the Benefits Maze & Exercising Your Rightscedwvugraphics
Todd Rundle presented on navigating health care and benefits options for transitioning youth. He discussed Medicaid, CHIP, SSI, SSDI, private insurance, and waiver programs. The presentation covered exercising appeal rights, including filing in a timely manner and providing necessary documentation. Contact information was provided for the Family to Family Health Information Center for additional assistance.
Web conference explaining California's new pediatric hospice and Palliative Care Benefit. In two parts: palliative care for children explained and what is the wiaiver?
The document provides an overview of gerontological and community-based nursing, defining key terms related to aging populations, outlining factors that influence aging and national health goals, and describing the roles and scope of practice for gerontological nurses who provide care for older adults in various settings.
Presentation 224 a barnes_klapper_laregina_ashley fund ppt oct 2014The ALS Association
The document describes the establishment of a family funding program called the Ashley Fund. It was created to provide financial assistance to children living with a parent who has ALS/MND so they can participate in normal activities. Over time, the program committee worked to address obstacles families faced in applying, such as pride, lack of time. Outreach methods like simple applications and reminders from clinical staff helped more families utilize grants for camps, lessons, and creating positive memories.
The Clinical Social Worker at the MDA Clinic provides counseling services and resource referrals to patients. Counseling services address issues such as adjusting to diagnosis, caregiver burnout, family disruptions, disability applications, loss and grief over disease progression, and stress on relationships. Referral resources include assistance with insurance, basic needs, medical equipment, and estate planning documents like healthcare powers of attorney and living wills to ensure wishes are followed if unable to communicate.
From the Customer Experience Trend tracker this presentation is the one used for the webinar addresed by Qaalfa Dibeehi, Kalina Janevska and Colin Shaw: A well
LegalHealth is a nonprofit medical-legal partnership that began 15 years ago and now works with 26 hospitals in New York City. It started with one hospital partner and now serves patients at most major public hospitals and healthcare systems. LegalHealth places attorneys in hospitals to address patients' legal issues that impact their health, such as immigration status preventing access to healthcare or housing disputes exacerbating medical conditions. Over the years, it has expanded its services, trained healthcare professionals, advocated for policy changes, and served as a model for medical-legal partnerships nationwide.
Navigating the Benefits Maze & Exercising Your Rightscedwvugraphics
Todd Rundle presented on navigating health care and benefits options for transitioning youth. He discussed Medicaid, CHIP, SSI, SSDI, private insurance, and waiver programs. The presentation covered exercising appeal rights, including filing in a timely manner and providing necessary documentation. Contact information was provided for the Family to Family Health Information Center for additional assistance.
Introduction to the new health laws! A PPT for audiences that have average literacy (7-8th grade reading level). Actually, I showed it to a group of people with post-grad education, and they liked it. You will too. Please customize it freely and use your name if you want to present it to others. You're welcome to give me constructive feedback so I can continue to evolve it.
Nursing Homes: Making the Right ChoiceDavid Corman
Jane, 85, recently broke her hip and can no longer live independently. Her children are discussing the best care options for her. Nursing homes offer hospital-like care or a more home-like environment. When choosing a nursing home, families should consider the type of care needed, location, and costs. Most of the financial burden can be reduced by 75-90% through programs like Medicaid if qualifications are met. It's important to visit facilities, ask questions, and thoroughly review contracts and costs before making a decision.
The document discusses key aspects of health insurance in the United States. It notes that 46 million Americans are uninsured and highlights the high costs of medical care without insurance. It then defines common health insurance terms like premiums, deductibles, co-pays, and provider networks. The document concludes by emphasizing the importance of having health insurance to avoid financial ruin from medical costs and access necessary care.
This document discusses palliative care, hospice care, and end-of-life planning. It defines palliative care as treating people with serious illnesses through managing symptoms and improving quality of life. Hospice care provides medical care, pain management, and emotional/spiritual support for those facing a life-limiting illness. The document encourages having early conversations with loved ones about one's end-of-life wishes through completing advance directives that appoint a healthcare agent and document treatment preferences. It provides tips on involving loved ones, preparing, storing, and sharing advance directives to ensure one's wishes are followed.
The document discusses social justice issues related to uninsured immigrants and healthcare access in the United States. It notes that the uninsured immigrant population faces barriers like unfamiliarity with the healthcare system, language barriers, and difficulty obtaining health insurance or paying costs out of pocket. As a result, uninsured immigrants are less likely to receive timely and effective care, more likely to delay needed care, and have worse health outcomes. This violates principles of beneficence, non-maleficence, and justice. Improving healthcare access and education for immigrants could help address these issues.
Why therapists are worried about america’s growing mental health crisis the...JA Larson
Therapists across the US report being overwhelmed by surging demand for mental health services as the pandemic continues. Nine out of 10 therapists say they have seen an increase in clients seeking care, with many experiencing significantly longer waitlists and an inability to take on new patients. Common issues clients are seeking help for include anxiety, depression, family/relationship problems, and substance abuse. Therapists are especially concerned about the impact on children's mental health. The crisis is straining an already under-resourced mental health system.
The document summarizes Community Health of South Florida Inc.'s (CHI) celebration of National Health Center Week through a series of events including health fairs and forums. It discusses the importance of preventative healthcare and enrolling in the Affordable Care Act. While the Ebola virus poses little risk in the US due to standard precautions, people are still encouraged to see a doctor if experiencing symptoms and wash their hands regularly to help prevent the spread of disease.
The document discusses alternatives to nursing home care as the population of younger patients in nursing homes is growing. It notes that many younger patients could be cared for at home or in assisted living facilities instead of nursing homes. However, budget cuts have led states to prioritize short-term nursing home care over long-term home care. While home care is more cost-effective long-term, it is more expensive initially as caregivers need training. The document advocates that with legal advocacy, many younger patients have alternatives to nursing home care like independent living facilities or at-home care.
This document summarizes and promotes critical illness insurance. It describes how such insurance provides financial protection for people diagnosed with serious illnesses by paying lump sums that can be used flexibly. The summary highlights that critical illness rates are increasing in the US, that most health insurance does not cover all costs of treatment and recovery, and that critical illness insurance helps allow patients to focus on recovery rather than financial stresses. It also shares one example of a policyholder who received benefits to pay medical bills following a brain tumor diagnosis.
Harboring Hearts provides financial and emotional assistance to heart patients and their families who face immense challenges. It was founded in 2009 after two women lost their fathers to heart disease and witnessed the lack of support for patients and families. Their mission is to provide critical assistance and a sense of community so families can focus on health. Programs include emergency housing/funds, community events in hospitals, and celebrations for recovering patients. They partner with several hospitals in New York and beyond.
Nursing arbitration is scheduled to begin on September 30th 2011 between the Hawaii State Nurses (HGEA Unit 9) and the state of Hawaii. In April 2011, HGEA Unit 9, which represents over 1,500 nurses employed at state-run facilities, rejected a proposed continuation of a 5% pay cut to their 2009 wages for the next two years. The nurses have expressed concerns about issues like low pay compared to the private sector, difficulty recruiting experienced nurses due to compensation issues, and unsafe working conditions exacerbated by short staffing.
Governor Branstad plans to close the Mount Pleasant and Clarinda Mental Health Institutions in Iowa by July 1. This would affect over 100 severely mentally ill patients who would need to be transferred. While Branstad argues private and community-based programs could provide modern treatment at a lower cost, experts argue these alternative programs are not equipped or prepared to handle patients with severe psychiatric issues and dual diagnoses. Additionally, closing the cheapest-run facilities contradicts the goal of cost savings, and the projected savings would actually fund tax cuts benefiting out-of-state corporations rather than improving Iowa's mental health system.
AWAKEN THE GREATNESS WITHIN
Always look at the solution, not the problem
Learn to focus on what will give results
We cannot solve our problems with the same thinking that created them
Sometimes the easiest way to solve a problem is to stop participating in the problem
Doctors_for_America_2015_National_Leadership_Conference_AGENDA_9-29Jamar R. Brown
The two-day 2015 National Leadership Conference hosted by Doctors for America will feature presentations and workshops on social determinants of health, health policy issues, and leadership development. Day one will include sessions on social impacts on health, food insecurity, gun violence prevention, and health care innovation. Day two will focus on building advocacy campaigns, substance abuse, communication skills, and unveiling Doctors for America's new initiatives on Medicaid and food insecurity. Speakers include public health leaders, journalists, and activist DeRay Mckesson. Pre-conference training will provide leadership development for state directors.
This document provides information about recent activities and events at New Jersey Federally Qualified Health Centers (FQHCs). It begins with a letter from the President & CEO of the New Jersey Primary Care Association reflecting on the past year and highlighting their work supporting FQHCs. It then discusses various FQHC events from the past few months, including breast cancer awareness events, health center expansions and awards, and community outreach programs. The document promotes upcoming training opportunities through the NJPCA and their partnership with RWJ on Project ECHO for expanding specialty care access at FQHCs.
The document discusses the scenario of a man suffering a stroke and needing long-term care assistance. It outlines factors to consider such as rehabilitation facilities, financial obligations, available resources, and family dynamics. It then provides information on levels and sites of care including nursing homes, assisted living, and home health. Various insurance options and terms are defined. The document stresses the importance of research and planning for long-term care needs.
The document provides information about a wound care presentation, including the presenter, objectives, and topics to be covered such as updated wound care guidelines, considerations for hospice patients, risk factors, prevention measures, wound assessment, and basic wound care principles. It also includes instructions for connecting to audio and information about continuing education credits.
Conference Of Churches Universal Health Care Presentation 1Adam Nicholson
The document discusses the need for universal healthcare access in Connecticut. It notes that the number of uninsured residents is rising as costs increase, putting healthcare out of reach for many. While taxpayers already pay for a large portion of healthcare costs, the system remains unsustainable without covering all residents. The document advocates for a universal healthcare system that would improve health outcomes and reduce costs by emphasizing preventative care for all.
This document provides a summary and reflection of the documentary "Sicko" by Michael Moore. It discusses several key issues highlighted in the film, including the high costs of healthcare and medications for seniors in the US, the fully public healthcare system in countries like the UK, and how volunteers who helped with 9/11 recovery efforts struggled to get healthcare coverage afterwards. It also examines issues of healthcare access and costs in other countries like Canada and contrasts their systems to the problems in the US system focused on profits over patient care.
Introduction to the new health laws! A PPT for audiences that have average literacy (7-8th grade reading level). Actually, I showed it to a group of people with post-grad education, and they liked it. You will too. Please customize it freely and use your name if you want to present it to others. You're welcome to give me constructive feedback so I can continue to evolve it.
Nursing Homes: Making the Right ChoiceDavid Corman
Jane, 85, recently broke her hip and can no longer live independently. Her children are discussing the best care options for her. Nursing homes offer hospital-like care or a more home-like environment. When choosing a nursing home, families should consider the type of care needed, location, and costs. Most of the financial burden can be reduced by 75-90% through programs like Medicaid if qualifications are met. It's important to visit facilities, ask questions, and thoroughly review contracts and costs before making a decision.
The document discusses key aspects of health insurance in the United States. It notes that 46 million Americans are uninsured and highlights the high costs of medical care without insurance. It then defines common health insurance terms like premiums, deductibles, co-pays, and provider networks. The document concludes by emphasizing the importance of having health insurance to avoid financial ruin from medical costs and access necessary care.
This document discusses palliative care, hospice care, and end-of-life planning. It defines palliative care as treating people with serious illnesses through managing symptoms and improving quality of life. Hospice care provides medical care, pain management, and emotional/spiritual support for those facing a life-limiting illness. The document encourages having early conversations with loved ones about one's end-of-life wishes through completing advance directives that appoint a healthcare agent and document treatment preferences. It provides tips on involving loved ones, preparing, storing, and sharing advance directives to ensure one's wishes are followed.
The document discusses social justice issues related to uninsured immigrants and healthcare access in the United States. It notes that the uninsured immigrant population faces barriers like unfamiliarity with the healthcare system, language barriers, and difficulty obtaining health insurance or paying costs out of pocket. As a result, uninsured immigrants are less likely to receive timely and effective care, more likely to delay needed care, and have worse health outcomes. This violates principles of beneficence, non-maleficence, and justice. Improving healthcare access and education for immigrants could help address these issues.
Why therapists are worried about america’s growing mental health crisis the...JA Larson
Therapists across the US report being overwhelmed by surging demand for mental health services as the pandemic continues. Nine out of 10 therapists say they have seen an increase in clients seeking care, with many experiencing significantly longer waitlists and an inability to take on new patients. Common issues clients are seeking help for include anxiety, depression, family/relationship problems, and substance abuse. Therapists are especially concerned about the impact on children's mental health. The crisis is straining an already under-resourced mental health system.
The document summarizes Community Health of South Florida Inc.'s (CHI) celebration of National Health Center Week through a series of events including health fairs and forums. It discusses the importance of preventative healthcare and enrolling in the Affordable Care Act. While the Ebola virus poses little risk in the US due to standard precautions, people are still encouraged to see a doctor if experiencing symptoms and wash their hands regularly to help prevent the spread of disease.
The document discusses alternatives to nursing home care as the population of younger patients in nursing homes is growing. It notes that many younger patients could be cared for at home or in assisted living facilities instead of nursing homes. However, budget cuts have led states to prioritize short-term nursing home care over long-term home care. While home care is more cost-effective long-term, it is more expensive initially as caregivers need training. The document advocates that with legal advocacy, many younger patients have alternatives to nursing home care like independent living facilities or at-home care.
This document summarizes and promotes critical illness insurance. It describes how such insurance provides financial protection for people diagnosed with serious illnesses by paying lump sums that can be used flexibly. The summary highlights that critical illness rates are increasing in the US, that most health insurance does not cover all costs of treatment and recovery, and that critical illness insurance helps allow patients to focus on recovery rather than financial stresses. It also shares one example of a policyholder who received benefits to pay medical bills following a brain tumor diagnosis.
Harboring Hearts provides financial and emotional assistance to heart patients and their families who face immense challenges. It was founded in 2009 after two women lost their fathers to heart disease and witnessed the lack of support for patients and families. Their mission is to provide critical assistance and a sense of community so families can focus on health. Programs include emergency housing/funds, community events in hospitals, and celebrations for recovering patients. They partner with several hospitals in New York and beyond.
Nursing arbitration is scheduled to begin on September 30th 2011 between the Hawaii State Nurses (HGEA Unit 9) and the state of Hawaii. In April 2011, HGEA Unit 9, which represents over 1,500 nurses employed at state-run facilities, rejected a proposed continuation of a 5% pay cut to their 2009 wages for the next two years. The nurses have expressed concerns about issues like low pay compared to the private sector, difficulty recruiting experienced nurses due to compensation issues, and unsafe working conditions exacerbated by short staffing.
Governor Branstad plans to close the Mount Pleasant and Clarinda Mental Health Institutions in Iowa by July 1. This would affect over 100 severely mentally ill patients who would need to be transferred. While Branstad argues private and community-based programs could provide modern treatment at a lower cost, experts argue these alternative programs are not equipped or prepared to handle patients with severe psychiatric issues and dual diagnoses. Additionally, closing the cheapest-run facilities contradicts the goal of cost savings, and the projected savings would actually fund tax cuts benefiting out-of-state corporations rather than improving Iowa's mental health system.
AWAKEN THE GREATNESS WITHIN
Always look at the solution, not the problem
Learn to focus on what will give results
We cannot solve our problems with the same thinking that created them
Sometimes the easiest way to solve a problem is to stop participating in the problem
Doctors_for_America_2015_National_Leadership_Conference_AGENDA_9-29Jamar R. Brown
The two-day 2015 National Leadership Conference hosted by Doctors for America will feature presentations and workshops on social determinants of health, health policy issues, and leadership development. Day one will include sessions on social impacts on health, food insecurity, gun violence prevention, and health care innovation. Day two will focus on building advocacy campaigns, substance abuse, communication skills, and unveiling Doctors for America's new initiatives on Medicaid and food insecurity. Speakers include public health leaders, journalists, and activist DeRay Mckesson. Pre-conference training will provide leadership development for state directors.
This document provides information about recent activities and events at New Jersey Federally Qualified Health Centers (FQHCs). It begins with a letter from the President & CEO of the New Jersey Primary Care Association reflecting on the past year and highlighting their work supporting FQHCs. It then discusses various FQHC events from the past few months, including breast cancer awareness events, health center expansions and awards, and community outreach programs. The document promotes upcoming training opportunities through the NJPCA and their partnership with RWJ on Project ECHO for expanding specialty care access at FQHCs.
The document discusses the scenario of a man suffering a stroke and needing long-term care assistance. It outlines factors to consider such as rehabilitation facilities, financial obligations, available resources, and family dynamics. It then provides information on levels and sites of care including nursing homes, assisted living, and home health. Various insurance options and terms are defined. The document stresses the importance of research and planning for long-term care needs.
The document provides information about a wound care presentation, including the presenter, objectives, and topics to be covered such as updated wound care guidelines, considerations for hospice patients, risk factors, prevention measures, wound assessment, and basic wound care principles. It also includes instructions for connecting to audio and information about continuing education credits.
Conference Of Churches Universal Health Care Presentation 1Adam Nicholson
The document discusses the need for universal healthcare access in Connecticut. It notes that the number of uninsured residents is rising as costs increase, putting healthcare out of reach for many. While taxpayers already pay for a large portion of healthcare costs, the system remains unsustainable without covering all residents. The document advocates for a universal healthcare system that would improve health outcomes and reduce costs by emphasizing preventative care for all.
This document provides a summary and reflection of the documentary "Sicko" by Michael Moore. It discusses several key issues highlighted in the film, including the high costs of healthcare and medications for seniors in the US, the fully public healthcare system in countries like the UK, and how volunteers who helped with 9/11 recovery efforts struggled to get healthcare coverage afterwards. It also examines issues of healthcare access and costs in other countries like Canada and contrasts their systems to the problems in the US system focused on profits over patient care.
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Incorrect medical bills can negatively impact both personal finances and health. Reviewing explanation of benefits statements and medical bills is important to check for errors in charges, diagnoses, or procedure codes which could lead to unnecessary costs or improper treatment over time. Small errors in bills may accumulate and eventually exceed lifetime maximums for insurance coverage. Additionally, rising healthcare costs that result from erroneous billing affect insurance premiums for everyone. It is advised to carefully review all medical documentation received and seek help from insurance plans or billing experts if unable to resolve any identified errors or anomalies.
The document provides information about health insurance and the Affordable Care Act (ACA). It explains that the ACA makes health insurance available to more people through new plans and financial assistance. It states that most people are now required to have health insurance or pay a penalty fee. It offers to help readers understand their options and assist with enrolling in a new ACA health insurance plan.
XYZ Healthcare Organization aims to provide continuum long-term care services to patients with dignity, respect, and confidentiality. However, this requires adequate funding, which is necessary to motivate staff and ensure services can be continuously provided. The stakeholders of the organization should be the major contributors to funding long-term care services. If financial challenges arise, the government should assist in funding to ensure important services continue without interruption.
11 Planning for Health Care ExpensesYOU MUST BE KIDDING, RIGHT.docxaulasnilda
11 Planning for Health Care Expenses
YOU MUST BE KIDDING, RIGHT?
Amber Parker is a 46-year-old unmarried mother with two children, ages 16 and 17. She lives partly on alimony from her former husband and she works part-time out of her home as a medical transcriptionist for a local hospital. Last year Amber suffered severe head injuries in a hit-and-run accident when jogging. Amber's wounds have healed and she has regained her ability to speak but is not yet able to walk on her own or use her hands and arms very well. At first she required some mental health counseling. Now she still requires a daily paid caregiver to assist with her personal needs. It may be another six months before she can work again. Which one of the following aspects of her injury were covered by Amber's private health care plan?
A. Hospital stay
B. Rehabilitative care
C. Mental health
D. All of the above
The answer is “all of the above.” Amber had purchased an individual health care policy at HealthCare.gov that covers hospital, surgical, mental health, and rehabilitative care, therefore, after deductibles and copays the Affordable Care Act covered all her expenses. Individuals without health insurance can buy a health care policy on a state or federal exchange!
LEARNING OBJECTIVES
After reading this chapter, you should be able to:
Explain how the Affordable Care Act works, and how consumers shop and pay for health insurance coverage.
Distinguish among the types of health care plans.
Describe the typical features and limitations of health care plans.
Explain the fundamentals of planning for long-term custodial care.
Develop a plan to protect your income when you cannot work due to disability.
Summarize the benefits of preparing advance medical directive documents.
WHAT DO YOU RECOMMEND?
Danielle DiMartino is a 36-year-old single mother with two children, ages 10 and 14. Her 10-year-old daughter has a history of ear infections that require doctor's office visits four or five times per year. Danielle's 71-year-old mother lives with the family for financial reasons; she has hereditary high blood pressure and high cholesterol as well as diabetes. Danielle's mother has enrolled in Medicare Parts A and B.
Danielle's employer pays all or a portion of the cost for a health care plan to cover the company's workers, their spouses, and their dependents. Danielle has four options: (1) the basic HMO managed by a local university medical school/hospital with no additional cost for Danielle, but with additional cost of $122 per month to cover her children, (2) a health insurance plan with a PPO at that same medical center for an additional cost of $245 per month, (3) a traditional health insurance plan that provides access to virtually all health care providers in her community for $455 per month, and (4) a health plan with a $5000 deductible at no additional cost. Danielle's employer offers no disability income or long-term care group plan. She does receive ten sick days per yea ...
How the Obama Health Care Law Will Ration Life-Saving Medical Treatmentnationalrighttolife
The document discusses 4 ways in which the Obama health law will ration life-saving medical treatment:
1) The Independent Payment Advisory Board will limit Medicare reimbursement rates and reduce payments to plans to push down private healthcare spending. Doctors risk losing insurance contracts if they exceed "quality standards".
2) Medicare cuts of $555 billion will limit what seniors can obtain with their own funds on top of government payments.
3) Insurance exchanges will exclude plans that allow citizens to spend "excessive" amounts on their own insurance.
4) "Shared decisionmaking" groups funded by the law will establish guidelines for "patient decision aids" that could discourage certain treatments. The document argues this amounts to healthcare rationing.
Because your doctor cares - the health reform law explainedSteve Levine
We know health reform is big and confusing. Some parts of the law started in 2010. Other parts are rolling out over the next eight years. Texas physicians have carefully studied the law to help you understand what the changes mean to your health care.
This document discusses various aspects of customer service and medical debt collections. It begins by defining medical debt and how collecting debt has changed over time. It emphasizes that customer service and collections go hand in hand, and collectors must treat customers with kindness even when owed money. Several statistics are provided about customer service, such as how important it is and how unhappy customers spread negative experiences. The document also covers laws around debt collection, challenges with medical debt, and strategies for effective customer service and collections.
The document examines health care delivery in the United States from the perspective of the author's personal health plan, Medicare. The author assesses the plan based on quality, cost, access, and continuity of care. Overall, the plan performs poorly or fairly across these criteria. Quality is poor as nurses sometimes provide wrong medications or are rude. Cost is very high due to expensive monthly premiums and co-pays. Access is only fair as the author does not have a regular doctor and sometimes cannot receive needed care. Continuity is also poor since doctors and hospitals frequently leave health plans. Urgent reforms are needed to improve the inefficient U.S. health care system.
Is it possible to provide health care without rationing In 1948 eve.pdfarchiesgallery
Is it possible to provide health care without rationing? In 1948 every household in Britain
received a leaflet stating that the new National Health Service would \"provide you with all
medical, dental and nursing care. Everyone - rich or poor, man, woman, or child - can use it or
any part of it. There are no charges, except for a few special items.\"
c) What system of rationing would you recommend?
Solution
Now a days it is not possible to provide health care without rationing. Healthcare rationing is
used by health insurers, the government and individuals to save money. Some would even argue
healthcare rationing supports the greater good. Citing with the text for the answer of the question
is mentioned below :-
You have advanced kidney cancer. It will kill you, probably in the next year or two. A drug
called Sutent slows the spread of the cancer and may give you an extra six months, but at a cost
of $54,000. Is a few more months worth that much.
If you can afford it, you probably would pay that much, or more, to live longer, even if your
quality of life wasn’t going to be good. But suppose it’s not you with the cancer but a stranger
covered by your health-insurance fund. If the insurer provides this man — and everyone else like
him — with Sutent, your premiums will increase. Do you still think the drug is a good value?
Suppose the treatment cost a million dollars. Would it be worth it then? Ten million? Is there any
limit to how much you would want your insurer to pay for a drug that adds six months to
someone’s life? If there is any point at which you say, “No, an extra six months isn’t worth that
much,” then you think that health care should be rationed.
In the current U.S. debate over health care reform, “rationing” has become a dirty word. Meeting
last month with five governors, President Obama urged them to avoid using the term, apparently
for fear of evoking the hostile response that sank the Clintons’ attempt to achieve reform. In a
Wall Street Journal op-ed published at the end of last year with the headline “Obama Will Ration
Your Health Care,” Sally Pipes, C.E.O. of the conservative Pacific Research Institute, described
how in Britain the national health service does not pay for drugs that are regarded as not offering
good value for money, and added, “Americans will not put up with such limits, nor will our
elected representatives.” And the Democratic chair of the Senate Finance Committee, Senator
Max Baucus, told CNSNews in April, “There is no rationing of health care at all” in the
proposed reform.
Remember the joke about the man who asks a woman if she would have sex with him for a
million dollars? She reflects for a few moments and then answers that she would. “So,” he says,
“would you have sex with me for $50?” Indignantly, she exclaims, “What kind of a woman do
you think I am?” He replies: “We’ve already established that. Now we’re just haggling about the
price.” The man’s response implies that if a woman will sell herself at.
Denial of Life-Saving Medical Treatment in the Obama Health Care Lawnationalrighttolife
The document discusses rationing in the Obama health care law through several mechanisms:
1. The Independent Payment Advisory Board will limit Medicare funding growth and empower HHS to impose uniform standards of care. Doctors who exceed these standards risk losing insurance contracts.
2. Medicare limits and restrictions on supplemental private insurance will constrain health care options for seniors.
3. Insurance exchange limits will exclude plans deemed to allow "excessive" private spending on health care.
4. "Shared decisionmaking" groups receiving federal funds will influence treatment choices through decision aids emphasizing less or more conservative care.
The document argues these constitute involuntary rationing and constraints on individual choices, despite claims greater efficiency can avoid rationing
Rep. Jim Cooper speaks at David Lipscomb University on health care reform. He argues that rationing is unnecessary as the US wastes $700 billion annually on unnecessary health spending. Reform is needed to reduce this waste without denying needed care. However, opponents will claim reform is rationing to protect the profitable status quo. Cooper presents evidence from studies showing reform can be achieved through slowing spending growth, not reducing current levels. The key is finding the right balance between ensuring access to care and addressing the unsustainable growth in health costs that threatens the country's fiscal stability.
Similar to Underinsurance: What We've Learned (15)
Histololgy of Female Reproductive System.pptxAyeshaZaid1
Dive into an in-depth exploration of the histological structure of female reproductive system with this comprehensive lecture. Presented by Dr. Ayesha Irfan, Assistant Professor of Anatomy, this presentation covers the Gross anatomy and functional histology of the female reproductive organs. Ideal for students, educators, and anyone interested in medical science, this lecture provides clear explanations, detailed diagrams, and valuable insights into female reproductive system. Enhance your knowledge and understanding of this essential aspect of human biology.
Adhd Medication Shortage Uk - trinexpharmacy.comreignlana06
The UK is currently facing a Adhd Medication Shortage Uk, which has left many patients and their families grappling with uncertainty and frustration. ADHD, or Attention Deficit Hyperactivity Disorder, is a chronic condition that requires consistent medication to manage effectively. This shortage has highlighted the critical role these medications play in the daily lives of those affected by ADHD. Contact : +1 (747) 209 – 3649 E-mail : sales@trinexpharmacy.com
These lecture slides, by Dr Sidra Arshad, offer a simplified look into the mechanisms involved in the regulation of respiration:
Learning objectives:
1. Describe the organisation of respiratory center
2. Describe the nervous control of inspiration and respiratory rhythm
3. Describe the functions of the dorsal and respiratory groups of neurons
4. Describe the influences of the Pneumotaxic and Apneustic centers
5. Explain the role of Hering-Breur inflation reflex in regulation of inspiration
6. Explain the role of central chemoreceptors in regulation of respiration
7. Explain the role of peripheral chemoreceptors in regulation of respiration
8. Explain the regulation of respiration during exercise
9. Integrate the respiratory regulatory mechanisms
10. Describe the Cheyne-Stokes breathing
Study Resources:
1. Chapter 42, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 36, Ganong’s Review of Medical Physiology, 26th edition
3. Chapter 13, Human Physiology by Lauralee Sherwood, 9th edition
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These lecture slides, by Dr Sidra Arshad, offer a quick overview of the physiological basis of a normal electrocardiogram.
Learning objectives:
1. Define an electrocardiogram (ECG) and electrocardiography
2. Describe how dipoles generated by the heart produce the waveforms of the ECG
3. Describe the components of a normal electrocardiogram of a typical bipolar lead (limb II)
4. Differentiate between intervals and segments
5. Enlist some common indications for obtaining an ECG
6. Describe the flow of current around the heart during the cardiac cycle
7. Discuss the placement and polarity of the leads of electrocardiograph
8. Describe the normal electrocardiograms recorded from the limb leads and explain the physiological basis of the different records that are obtained
9. Define mean electrical vector (axis) of the heart and give the normal range
10. Define the mean QRS vector
11. Describe the axes of leads (hexagonal reference system)
12. Comprehend the vectorial analysis of the normal ECG
13. Determine the mean electrical axis of the ventricular QRS and appreciate the mean axis deviation
14. Explain the concepts of current of injury, J point, and their significance
Study Resources:
1. Chapter 11, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 9, Human Physiology - From Cells to Systems, Lauralee Sherwood, 9th edition
3. Chapter 29, Ganong’s Review of Medical Physiology, 26th edition
4. Electrocardiogram, StatPearls - https://www.ncbi.nlm.nih.gov/books/NBK549803/
5. ECG in Medical Practice by ABM Abdullah, 4th edition
6. Chapter 3, Cardiology Explained, https://www.ncbi.nlm.nih.gov/books/NBK2214/
7. ECG Basics, http://www.nataliescasebook.com/tag/e-c-g-basics
9. METHODS Survey We administered surveys by phone to 100 underinsured Kansans to obtain a “snapshot” of their experiences. Interviews We conducted face-to-face interviews with 10 additional underinsured Kansans to gain a better understanding of how underinsurance affects their families and daily lives.
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11. Perceptions about Coverage (Cont’d) One excluded a pre-existing condition. “I pay a monthly premium for nothing really because I still have to pay for all my insulin and doctor visits,” Bob said… “I can’t live without my insulin. I would literally die without it.”
12. Six of 10 Kansans interviewed described their coverage as “pretty good,” “good,” “very good” or “really good.” They initially thought it would adequately cover their health care expenses, but the reality turned out to be very different. However, even after realizing they were underinsured, participants still described their plans the same way – variations of “good.” Perceptions About Coverage (Cont’d)
13. Health Care Needs and Income People’s insurance failed to protect them from financial distress when their health care needs were high or their incomes were low to moderate. In some instances, interview participants’ plans were inadequate in proportion to their health care needs. In others, their benefits were inadequate in relation to their income.
14. Health Care Needs and Income (Cont’d) Carol’s coverage was inadequate relative to her health care needs. She described her insurance as “really good.” But what she was paying to treat her multiple, chronic conditions was more than she could afford. “It is really good coverage. It’s just that I have many conditions and when you go [to the doctor] constantly, it really starts adding up.”
15. Health Care Needs and Income (Cont’d) Leonard and Jan’s policy was inadequate relative to their budget. Living on a fixed retirement income, the couple struggled with small, unexpected increases in their share of premiums and cost-sharing requirements. If their income had been higher, their insurance would likely have been adequate since their health needs were not great.
16. Out-of-Pocket Expenses People are responsible for paying portions of their health care services not paid by insurance. Interview participants said their health care expenditures ranged from roughly $420 to $1,500 monthly. Slightly more than one-third of survey respondents spent at least $400 per month on out-of-pockets health care expenses. Nearly one in 10 survey respondent spent at least $1,000 monthly. These expenses are considerable since the average gross family income was about $45,700.
17. Out-of-Pocket Expenses (Cont’d) Out-of-pocket expenses are made up of the following: Premiums Deductibles Copayments Coinsurance
18. Out-of-Pocket Expenses Premiums: Premiums are the monthly cost for purchasing health insurance. Many employers pay a portion of their employees premiums. Among survey respondents reporting monthly costs: Nearly one-third spent $400 or more in premiums Another third spent $100 or less
19. Out-of-Pocket Expenses (Cont’d) Deductibles: Deductibles are fixed dollar amounts that the insured has to pay before their insurance begins to pay for covered benefits. Among survey respondents reporting monthly costs: Approximately one-third paid $200 or more in deductibles Almost half paid $100 or less
20. Out-of-Pocket Expenses (Cont’d) Copayments: A copayment is the amount that an insured person must pay each time they receive a health care service (e.g., $10 for a prescription, $25 for a doctor’s office visit). Among survey respondents reporting monthly costs: Nearly one-fifth paid at least $100 in copayments Almost six in 10 paid less than $100
21. Cost of Care Individuals interviewed did not know how much their health care would cost before receiving it. When people are in need of care, many don’t ask, as illustrated by John’s comment: “When they said, ‘you need bypass surgery today’ you don’t stop and ask how much it is. You just say fix me.”
23. Financial Strain Because Tracy, like others, thought her family’s coverage was adequate, she seemed surprised by the amounts the family became responsible for and how fast they added up. “We felt comfortable taking care of his health [needs] because we thought we were covered. Then we realized that what you think is not such a big deal adds up quickly. It becomes astronomical.”
25. Difficult Choices Interviewees said they had trouble paying bills and trying to balance their growing health care costs with daily living expenses, as Marie explained. “You are juggling between, ‘Okay are we going to pay our mortgage this month or are we going to buy medicine?’ You’re pitted between those things and that’s a hard place to be in because a person’s health is priceless.”
26. Difficult Choices (Cont’d) Karen had withdrawn $30,000 from retirement savings to make a lump-sum payment for an uncovered prosthesis and will need another one in four years. “While I waited, my leg atrophied. And I was absolutely exhausted… Finally, when I realized my health was in the balance, for my own health and to protect my mental and physical well-being, I bought the prosthesis myself.”
27. Difficult Choices (Cont’d) To pay their medical debt, people tightened their budgets. In some cases, the need to stretch their grocery dollars as far as possible made it difficult to make healthy food choices, as Bob described. “We want to get the right kind of food. You can buy cheap pastas and things but it’s not good for you. It certainly isn’t good for someone with type 1 diabetes because pastas are full of carbohydrates. The healthiest food is expensive.”
28. Medical Debt Financial distress manifested itself in medical debt for five of the10 underinsured Kansas families interviewed. “He [my husband] went to doctor after doctor that ran test after test after test. And by the time we got all the bills we realized there was no way we could pay the premium and the deductibles and the coinsurance... We were absolutely overwhelmed with medical debt,” Tracy said.
29. Medical Debt (Cont’d) Survey respondents reported that owing money for health care/medical expenses led to the following difficulties: Paying mortgage or rent Paying utility bills Paying for food Qualifying for credit Retiring
35. Bad Credit Five of 10 persons said collections had ruined their credit ratings, dampening hopes for the future. For one couple, this meant delaying their dream to take over the family farm. “We farm with my husband’s parents, who want to retire but they can’t until we’re financially stable. So they have to keep working until we get this medical debt paid and a bank will fund us to farm. Our credit is ruined, absolutely ruined. It will take us 10 to 15 years to rebuild.”
36. Bankruptcy Despite their efforts to pay what they owed, four of 10 families eventually filed for bankruptcy because of medical debt. “Payments are not much help if you owe [large amounts in medical debt]… Payments weren’t good enough for the collectors. This is how I ended up in bankruptcy,” John said.
40. Deferred Care (Cont’d) Interview participants, like Sam, described postponing this needed care. “We’ve had to triage my care just to focus on those things that are most immediately dangerous and more long term trying not [to treat] my cardiovascular system because I see that as less of an immediate threat [than diabetes]. There’s a lot of heart disease in my family, so that worries me.”
41. Deferred Care (Cont’d) Insurance doesn’t cover all types of medical care. So when their plans didn’t pay for certain services, some interview participants couldn’t access care, which disrupted theirdaily lives. “I really wish insurance companies understood that while they’re dealing with the bottom dollar, we’re dealing with daily life. I have an 18-month old and I have to carry him around. I have to cook and clean and work on the farm. When I’m in so much pain that I can’t get out of bed, that makes life tough.”
43. Psychological Challenges Allthose interviewed faced psychological challenges. Paramount among the challenges were worry and stress, which some said worsened their health conditions. “The stress [from having inadequate health insurance] is just so… awful on the entire body, your immune system, your psychology, the way the brain works, your heart. It worsens everything,” Sam said.
44. Psychological Challenges (Cont’d) Survey respondents reported negative effects resulting from stress such as feelings of helplessness. In addition to stress, interview participants talked about helplessness and depression.
45. Psychological Challenges (Cont’d) When interview participants sought care for psychological challenges, they discovered that their mental health coverage was inadequate. “I was receiving therapy for my depression but I fell behind on my payments and discontinued it. I have mental health coverage but the out-of-pocket expenses have been heavy,” Sam said.
46. Physical Challenges Survey respondents reported changes in appetite resulting from stress. Four persons interviewed said that to cope with stress, they overate and gained weight, as one explained. “My husband didn’t eat, and I ate myself into oblivion. That’s how we deal with stress…The depression caused me to eat and put on a lot of weight.”
47. Physical Challenges (Cont’d) Survey respondents reported changes in sleep patterns. Seven interview participants told us about their sleeplessness.
48. Physical Challenges (Cont’d) Marie remembered how racing thoughts about bankruptcy kept her awake at night. “You lay there all night long thinking, ‘What am I going to do? How am I going to do it? Are we going to file bankruptcy? I never thought I’d be filing bankruptcy. I can’t believe we’re filing bankruptcy… What are we going to lose and how is this going to affect our future…? Does it mean we’re never going to have anything?’”
49. Work Challenges Survey respondents reported experiencing work difficulties. Those interviewed discussed work challenges, such as: Taking extra jobs Being called at work by bill collectors Losing a job because of illness and being unable to access treatment that might make returning to work possible
50. Family Challenges Survey respondents reported trouble at home, resulting from stress. Participants described how stressors took a toll on family relationships with spouses, children and extended family. “We have a great relationship but it seems like money [medical debt] is the one thing that can strain it to the core. You take the first two years of marriage which are supposed to be so happy and add in all that stress. It has made our lives, to be quite frank, a living hell,” said Tracy.
51. System Challenges The challenges of underinsurance, such as work, stress, deferred care and bankruptcy, can have a much larger ripple effect through the economy. Stress and/or deferred care can create new or worsening health care conditions resulting in increased health care costs paid throughout the system. Loss of productivity effects employers’ profits. Bankruptcy often results in uncompensated care.
52. Closing Many Kansans face the challenges of underinsurance. Some provisions of federal health reform may resolve some of the problems associated with underinsurance but many issues will remain. Underinsurance will be an ongoing issue that will require the attention of policymakers.
53. Acknowledgements Many people contributed to the success of the Underinsured in Kansas project. We want to thank them for their contributions. Project Funders: Health Care Foundation of Greater Kansas City Kansas Health Foundation Sunflower Foundation: Health Care for Kansans REACH Healthcare Foundation United Methodist Health Ministry Fund Wyandotte Health Foundation
54. Acknowledgements (Cont’d) KHI Staff: Andy Buckholtz, Anne Berry, Anne Nugent, Cathy McNorton, Connie Tacha, Gina Maree, Jim McLean, Lyndsey Burkhart, Nekol Rocha, Rachel Smit, Robert St. Peter, Sarah Green and Tatiana Lin Interview participants and survey respondents The Kansas Health Care Coalition who selected people interested in being interviewed Kansas Association for Medically Underserved who also helped with sampling Douglas Bradham and Traci Hart, KU Medical Center in Wichita, who provided invaluable assistance with Human Subjects Committee approval