Medical insurance essay

If a patient has dual coverage, Insurance information for both the primary and secondary carriers should be obtained.

Medical insurance essay

At that, most Americans believe that insurance coverage and access to healthcare system are the issues that should be prioritized, and it is the direct responsibility of the federal government to ensure medical care for those citizens that lack insurance, even through raising taxes.

Keiser Family Foundation 1. However, no option has yet got overwhelming support. This indicates that the issue is rather challenging to the society and solid national program is required to present an appropriate solution.

There is a high percentage of adolescents that seem not to care about their futures. Earning and depositing good cash now is a discouraging factor affecting their decisions on federal or state insurance programs.

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Such strive for immortality is reasonable to a certain extent, however upon retirement the times may change and health problems worsen. Indeed, we are divided almost by half, while there are more co-citizens that would rather not pay additional insurance premiums or taxes to benefit those uninsured.

Consequently, uninsured face more problems with an access Medical insurance essay healthcare options, and overall risk their lives in the long run The Henry J. Keiser Family Foundation 2. Medicare, as nationwide single-payer health care system, is referred to a social insurance program managed by the US government, which aims to provide health insurance coverage to everyone aged 65 and above, or people that comply with special criteria.

In addition, Medicare covers many residency training programs intended for the US physicians. The Social Security Administration is in charge of determination of Medicare eligibility and Medicare premium payments.

The Chief CMS Actuary is in charge of providing cost-projections and accounting information to the Medicare Board of Trustees while assisting them in the assessment of the finances distributed for the health part of the program. On annual basis, the Board issues reports providing relevant data on the financial state of affairs of the Medicare Trust Funds Booske et al.

The tax rate imposed on the employees is equal to 2. Due coverage is withheld from the salaries, wages and other compensations relevant to employment. Up till December 31,the law allowed maximum amount of wages subject to the Medicare tax annual imposition.

However, since January 1,the compensation limit was cancelled. Self-employed individuals should pay the whole 2.

In alone, 43 million Americans benefited from Medicare health care coverage which made the program the largest nationwide healthcare payer. According to the forecasts, by Medicare enrollment will constitute 77 m. Originally, Medicare program consists of two parts, namely: Part A is referred to hospital insurancewhile Part B refers to medical insurance.

Medical insurance essay

In rare exclusive cases, the original Medicare program has covered prescription drugs. Since JanuaryMedicare Part D has enabled comprehensive drug coverage.

In addition to this, there are so-called Medicare Advantage Plans, generally referred to as Medicare Part C, which enables Medicare beneficiaries to receive all their benefits under Part A, B and D respectively.

Finally, all Medicare benefits are regarded as medical necessity Mobley L, et al. The state should develop and implement flexible and available insurance program to benefit all social groups and reduce the increasing numbers of uninsured.

I am quite confident in the positive impact and wide public support of such incentive on both federal and state level. Also, I strongly believe that the program will be developed by the authorized team of experts including wide public coverage, social security and insurance experts, doctors and medical staff, and NGOs.

Every interested citizen will have an opportunity to express their support or opposition to its statements. In a transparent and unbiased manner our citizens will have an opportunity to express their views within a nationwide survey that would include the most challenging questions that are presently faced by the uninsured.

I am sure, that the campaign will find the right and comprehensive approach to the opponents, and therefore they will also be able to benefit from the given options within a program.

The program will get wide media coverage and will become one of the most widely discussed issues on TV news, newspapers, TV shows and Internet. Te related webpage will have an open forum to enable every stakeholder express freely and make own contribution to our overall success Kenny, Health Insurance Essay Health insurance is a contractual arrangement through which individuals spread the financial risk of unexpected and costly medical events.

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Every family all over the world has suffered deaths due to poor medical healthcare and insurance. I have been asked by Cooper-Pearson to research different medical insurance plans that they could consider as one of their selected insurance programs for their marketing company.

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Essay on Medical Insurance