Un Group Your Health Insurance
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This document discusses the benefits of moving from group health insurance plans to individual health insurance plans. It argues that group health insurance costs have risen dramatically and no longer benefit employees. Individual plans allow people to own their own policies and seek out more competitive healthcare options. For a family of four, an individual plan could cost $437 per month compared to $1,220 for a traditional group plan. Rates cannot increase or policies be cancelled due to illness with individual plans. Employers reimburse employees for individual plan premiums through health reimbursement arrangements.
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Discuss the following statement: “Health care costs are out of control in the United States, and increasing conflicts between employers and employees are likely as employers try to reduce their health benefits costs.
Your discussion is to be submitted in 12-point Times New Roman font using APA format with a minimum of two sources. Your primary post is due Wednesday by 11:59pm.
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Discuss the following statement: “Health care costs are out of control in the United States, and increasing conflicts between employers and employees are likely as employers try to reduce their health benefits costs.
Your discussion is to be submitted in 12-point Times New Roman font using APA format with a minimum of two sources. Your primary post is due Wednesday by 11:59pm.
1st student response :(Supraja)
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Mr. Wojcik provides a newsletter update for his clients on various healthcare topics. He explains that he took a break from newsletters to avoid spreading misinformation during the uncertain healthcare reform period. The newsletter includes sections on "Know Your Employee Benefits" tips, healthcare cost analytics, compliance updates, wellness program trends, and industry news. It aims to help clients control costs, workload, and anxiety around benefits.
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The Affordable Care Act aims to provide more Americans with access to affordable health care through various reforms. It establishes health insurance exchanges to allow individuals and small businesses to compare plans, regulates the insurance marketplace, prohibits denying coverage due to pre-existing conditions, and expands Medicaid eligibility. The Act also aims to reduce health care costs and ensure Americans receive high-quality care.
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Nongovernmental health care organizations provide most medical services and handle the financing of much of the system. For-profit and nonprofit institutions operate side by side, often competing directly for the same business.
This chapter identifies a number of strategies that individuals and organizations adopt in response to governmental programs or initiate on their own to influence health policy. We start with Table 6-1, which outlines the actors and the alternatives for responding to government actions and the marketplace. Where alternatives have been addressed and terms defined in earlier chapters, we try not to repeat that information.
6.1 COMMON RESPONSES
All of the players listed in Table 6-1 employ strategies to influence the marketplace and its regulators. These can be classified into three main types of interventions:
• Public relations
• Marketing and education
• Lobbying
Table 6-1 Responses and Initiatives of Institutions and Professions
Common Approaches
• Public relations
• Marketing and education
• Lobbying
Payers
• Employers
• Eligibility
• Subsidy offered
• Plans offered
• Relationship with insurers/self-insurance
• Worker education and training
• Insurers
• Method of organization
• Method of payment
• Plans offered
• Case management/carve-outs
• Utilization constraints
• Consumer education
Providers
• Professionals
• Organization of practice
• Services offered
• Incentives
• Pricing
• Patient relationships
• Primary versus specialty care
• Efficiency
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• Organizational structure
• Scope and scale of services
• Pricing/discounts
• Efficiency
• Quality improvement
• Consumer information
• Credentialing decisions
• Involving payers in change processes
• Professions
• Quality improvement
• Provider education
• Consumer education
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Each player manages its relationships with the media and with politicians and regulators directly, and each acts indirectly through trade associations and professional groups. You will see illustrations of this throughout the cases included in this text and in subsequent chapters dealing with political feasibility and values. The focus of each intervention changes depending on the nature of the specific market. Lobbying is particularly intense in administered markets such as Medicare and Medicaid, especially when new legislation is under consideration. Lobbying also goes on continuously with the relevant executive branch agencies. Public relations and education are used more assertively when regulators are considering changes, and marketing, especially advertising, is most intense where the market is less regulated. The term education can apply to the many different types of efforts to influence behavior. Government antismoking campaigns can be characterized as education, for example, but the term can also ...
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The document is a newsletter from The Horton Group providing updates on healthcare reform and employee benefits topics. It includes summaries of reports on rising healthcare costs, reasons for high US healthcare spending compared to other countries, and a study finding that over half of individual health plans would not meet requirements under the Affordable Care Act. It also lists upcoming topics to be covered in future issues such as prescription drug trends, worksite wellness initiatives, industry news, and notification of upcoming workshops. The newsletter seeks to help clients reduce costs and complexity in healthcare.
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Our biggest problem in healthcare is efficiency (quality of care per dollar spent) and Obamacare doesn't solve it. Our spending is off the charts by any measure (growth over time, % of GDP, per capita) Consumerism as a force of change in Healthcare is just getting started, but there are many barriers in place that serve to protect existing stakeholders in the industry. Knocking down these barriers to competition is what the GOP should be focusing on, but it's not. "Repeal and replace" seems to be a slogan, not a plan. Do Republican lawmakers have the will to make changes that might upset entrenched players?
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The document discusses several key issues around women's health insurance and costs in the United States. It notes that more than 17% of women are uninsured, health insurance premiums have increased 119% between 1999-2008, and 3 in 5 women are unable to pay medical bills. Additionally, it discusses rising costs being passed onto employees through higher deductibles, co-payments and coinsurance, as well as efforts to reduce costs through wellness programs and dependent audits. The document also examines health insurance issues facing young Americans, including high uninsured rates and concerns about shouldering costs for older populations under reforms.
Read the Case Study The Whole Foods Alternative to ObamaCare, loc.docx
Read
the Case Study: The Whole Foods Alternative to ObamaCare, located on page 20 of the textbook.
Write
a paper of approximately 750 words that will include three separate writing projects:
The first will be a brief letter (approximately 250 words) in which you pretend to be John Mackey responding to a major supplier of Whole Foods that has threatened to terminate business dealings because of the controversial op-ed piece.
The second will be a statement (approximately 250 words) that you will read at the next Whole Foods board of directors meeting to explain your decision to write the op-ed piece and your subsequent handling of the resulting publicity.
The third will be your analysis (approximately 250 words) of whether Mackey's Op-ed article and his response afterward showed that he properly applied the four steps in the strategic communication process:
Identify the purpose
Analyze the audience
Consider the context
Analyze the method
Examine which steps (if any) he took and which (if any) he missed
Article of page 20 of textbook
Case Study:
The Whole Foods Alternative to ObamaCare
The Wall Street Journal
OPINION
AUGUST 11, 2009, 7:30 P.M. ET
“Eight things we can do to improve health care without adding to the deficit.”
—John Mackey
“The problem with socialism is that eventually you run out of other people’s money.”
—Margaret Thatcher
With a projected $1.8 trillion deficit for 2009, several trillions more in deficits projected over the next decade, and with both Medicare and Social Security entitlement spending about to ratchet up several notches over the next 15 years as Baby Boomers become eligible for both, we are rapidly running out of other people’s money. These deficits are simply not sustainable. They are either going to result in unprecedented new taxes and inflation, or they will bankrupt us.
While we clearly need health-care reform, the last thing our country needs is a massive new health-care entitlement that will create hundreds of billions of dollars of new unfunded deficits and move us much closer to a government takeover of our health-care system. Instead, we should be trying to achieve reforms by moving in the opposite direction—toward less government control and more individual empowerment. Here are eight reforms that would greatly lower the cost of health care for everyone:
Remove the legal obstacles that slow the creation of high-deductible health insurance plans and health savings accounts (HSAs). The combination of high-deductible health insurance and HSAs is one solution that could solve many of our health-care problems. For example, Whole Foods Market pays 100% of the premiums for all our team members who work 30 hours or more per week (about 89% of all team members) for our high-deductible health-insurance plan. We also provide up to $1,800 per year in additional health-care dollars through deposits into employees’ Personal Wellness Accounts to spend as they choose on their own health and wellness.
Money not s ...
PDF Version
The document is a newsletter from Mike Wojcik discussing rising healthcare costs, the impacts of the Affordable Care Act, and strategies for controlling costs. It notes that a new study projects healthcare spending to grow faster than GDP over the next decade. It also discusses provisions of the ACA like expanded preventive care coverage for women and guidelines for employer health subsidies in 2014. The newsletter provides updates on legislative actions and profiles initiatives by healthcare organizations like Blue Shield to reduce costs and improve care.
Tackling the Tough Topics: The public plan option, employer pay or play, and ...
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Gastrointestinal Infections
GASTROINTESTINAL INFECTIONS result from the ingestion of pathogens that cause infections at the level of this tract, generally being transmitted by food, water and hands contaminated by microorganisms such as E. coli, Salmonella, Shigella, Vibrio cholerae, Campylobacter, Staphylococcus, Rotavirus among others that are generally contained in feces, thus configuring a FECAL-ORAL type of transmission.
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