Insurance College Essays Samples For Students

Abstract

The Patient Protection and Affordable Care Act (ACA) of 2010 aim at improving the health status of the population by increasing insurance coverage. It is a vibrant healthcare reform but contains controversial provisions as it expects citizens to pay uphold the insurance cover or face stiff penalty. I discussed the constitutionality of the Act by analyzing specific decisions made in courts of law. I found that the Congress overstepped its mandate and activated “inactivity,” forcing citizens to purchase insurance. The Supreme Court will conduct an assessment on the act and settle on a final ruling that is vital in Continue reading...

Governance of big data:

Governance of big data is an important in the organization due to the challenges associated with voluminous data. The executives are faced with very huge chunks of data relating to the sales and revenues. The large amounts of data relating to the revenues of the organizations are managed through information systems. The big data is managed through the knowledge work systems of the organizations. All the data of the organization is input into the knowledge work management systems of the organization. These knowledge information stems helps in the organization and analysis of such data so as to facilitate efficient Continue reading...

Introduction

Health care has always been a public health concern in America. It has been one of the principles used to segregate blacks from whites; rich from poor; colored people from non- colored among many divisive tactics employed by policy makers under Jim Crow laws and beyond. Therefore, the twenty first century health care concerns listed under the Obama care is just another attempt to correct the ills of segregation in America, which was never thoroughly addressed by other politicians. We live in a society where blacks and now Hispanics have the highest rates of every disease on the face Continue reading...

The Affordable Healthcare Act of 2014 has many economic implications but most significant ones are the negative consequences. The provisions of the act include a mandatory health insurance coverage for the employees that would inhibit the growth and employment rate. Especially for the small businesses, there are very serious issues regarding this law: the healthcare costs are skyrocketing and there is very little choice available among the health plans (Van Tassel, 2013). The healthcare costs have been increasing and it is difficult for these businesses to afford health insurance. But then there is also an exemption for those businesses Continue reading...

[University affiliation]
The article “Will it get better?” explains the health care sector in the USA. This issue is very relevant and very sensitive to the American society. One of the most richest and powerful countries in the world has the worst healthcare sector possible. The non-affordability to the low-income and elder population and inefficient provision characterizes the healthcare sector, in accordance with market-based insurance system. The key idea of the article lies in the claim that the USA expenditures on the healthcare are tremendous, and on average 18% of American GDP are directed to cover health care costs. Continue reading...

One important feature of the U.S. health care system that is of particular interest to me is nurse staffing. Nurse staffing has always been a major problem not only for developing and under developed countries but also for the developed nations. In the United States, staffing of registered nurses is an area in health care delivery that has not received much attention despite registered nurses making the largest part of the healthcare staff. There has been uncertainty in nurse staffing with reported layoffs and employment delays in the United States (Mensik, 2013).
The role of nurses in health care Continue reading...

Summary

Introduction
Significant factors discussed in the paper relate to quality and uncertainty in the labor markets. Buyers in different market will use different mechanisms to judge the quality of products. For instance, in markets where buyers judge the quality by using some market statistics, sellers can usually use this as an opportunity to market low quality merchandise. This process may eventually lead to an increase in low quality products in the market. Such scenarios may promote interventions from government agencies in order to safeguard the interest of the buyer and ensure competitiveness among sellers by ensuring quality products are Continue reading...

In today’s social climate, the cost of healthcare is always on our minds. A new healthcare system has recently been put in place to ensure many people unable to afford healthcare but it is not enough. Essentially, the cost of healthcare as well as patient care is very expensive. Some people simply cannot afford the healthcare necessary to maintain a healthy lifestyle. This problem only further damages an already deteriorating society, making people already in need of healthcare even unhealthier. Steps need to be taken to improve the healthcare system, lower costs, and educate citizens on how to Continue reading...

MANAGEMENT

Management
Owing to the spelling error and irregular picture on the boxes detected by Fred, the product engineer, it is important that immediate measures are taken to correct the irregularities. This has to be done, not only to safeguard the image and reputation of the company but also uphold high standards of proficiency and competence amongst employees. The errors detected on the boxes can cause detrimental consequences and as a result, it is not important to look at the thin deadline for doing the correction. However, we should focus on the broader picture of the impacts they have on Continue reading...

Providing healthcare to the aged requires two times as much as that of younger persons. Less than half of the elderly have any insurance cover. This has also been made difficult by the rise in the cost of medical care. The aged are different from other age groups and, therefore, require special consideration. In support of the aged on this stress, medical insurance cover benefits have been increased for the elderly. This will help meet the increasing medical needs of the older persons.
Many find it difficult to put the concepts they preach into practice in their own lives. Continue reading...

Credit unions can be said to be depository institutions that make loans as well as accept deposits. They are smaller than other depository institutions, for instance the bank. However, they have registered significant growth over the past few years. Although they are smaller than the banks, credit unions operate below the banking statutes and their laws and rules are identical to those of the bank shifts (Mishkin 45).
One of the reasons why credit unions are smaller could be because they are owned by the members. Therefore, each member would be entitled to vote while selecting their board members Continue reading...

Introduction/Summary

As per the article by Bernard Siegel, the decisions to whether to buy a health insurance or not have been the subject of debate among people. Here, affordability is said to play a vital making choices. As such, many young people tend to weigh their budgets against the risks involved. The risks (chance of incurring medical costs of at least $ 27000 by 2011) attributed to the young people (25-34 years) is estimated to be about 5%. About 6 million people are anticipated to pay the penalty for not buying a health insurance policy, which will increase proportionately with an Continue reading...

- Thesis statement
Health insurance plays a role of protection against the risks of incurring heavy medical expenses among individuals by making an estimate of the total risk of health system and health care expenses and developing a routine finance structure.
- Introduction
Health insurance is an insurance cover designed to work against the risks of incurring excessive medical expenses among its people. This is achieved by making a simple estimate on the overall risk health system and health care expenses of a specific group. An insurer then develops a routine financial structure, like payroll tax or a monthly Continue reading...

Introduction

Ideally, the survey was conducted in California, Unites States for the two months: November and December 2013. The total number of respondents was 24 people: 12 males and 12 females were selected. This was from all age brackets; that is 16 - over 65, in the following order: 3 males and 2 females in age bracket 16 - 25, 2 males and 3 females in age bracket 26 - 35, 3 males and 2 females in age bracket 36 - 55, 2 males and 3 females in age bracket 56 – 65, and 2 males and 2 females in ages Continue reading...

As per the recent trends, employees consider compensation and benefits among the top rated aspects most important to their job. This is the reason why companies use rewards and compensation benefits to motivate its employee and achieve its strategic outcomes. HR professional of the company is responsible for programs that are conventional as well as unconventional. Profitability, employee satisfaction and management’s goals can be realised through the smooth implementation of reward programmes. This case describes the reward programmes of two companies, Alfac Insurance and L L. Bean. Both the companies have a robust ‘reward system’ programmes. Let us Continue reading...

Access of Baby Boomers

Access of Baby Boomers
A report from the Commonwealth Fund indicated that more than 60% of the adults aged between 50 and 64 who are either working or have a working spouse is diagnosed with at least one chronic condition (O’Brien, 2014). However, the report also stated that one-fifth of this group (i.e. 7 million Americans) either do not have healthcare insurance or have been uninsured since they were 50 (O’Brien, 2014).
Insurance coverage for this patient population becomes even more important because of their increasing healthcare issues, their debt problems, and the high medical costs (O’ Continue reading...

Introduction:

The pirates of Manhattan, Barry James Dyke expounds and gives a clear and vivid 10 year extensive research insight on the various concerning the American consumer. He clearly brings the general aspect of Systematically Plundering the American Consumer and How to protect against it. The knowledge of well extensive research is backed by the detailed statistics presented. This is based on the fact that if most guarantees are absent, consequently most financial products fade away. Hence, in the expanded form of analysis, the book clearly brings the aspect of the liquidity of money. In addition, the behavior of money Continue reading...

Not only has the economic elements in the US impacted on many sectors of the economy but also has affected the health delivery system. The key elements in the economy that have had an impact on the health care service delivery include financing, delivery, payment as well as the insurance. These elements have had a great impact towards the delivery of health care services in the U.S.
More often than not, health care needs costly diagnostic procedures as well as tests. Financing is a necessary requirement in obtaining insurance and helps in ensuring that the health care services are Continue reading...

Following the American Psychological Association’s Guidelines

((Cover Page))

Reg No

Designation
Abstract
The issue paper is about the discussion of health care as a commodity with responses from patient, suppliers, and principles of supply and demand and impact of health insurance on purchase decisions. The issue paper argues that health care must not be seen as other commodities and relevant discussion is made. This is followed by the critical evaluation of CDHP policy initiative in health care to promote transparency in the health care sector. The role of government in promoting transparency is discussed. This helps in making the health care sector sensitive to the market forces.
Continue reading...

Introduction

Health insurance is a complex marketplace. It is not always easy for a common man to understand all the clauses of a typical health insurance plan. That is why often people are either not covered fully or end up paying a very high premium for the basic coverage. This essay will explore various health plans available in the market and then recommend health plan options to a family of four. This essay will then further inspect the expected changes due to the implementation of Affordable Care Act in 2014.

Research of Various Insurance Offerings

There are many types of insurance plans available in the Continue reading...

Discussion Replies

Reply to Julie
I agree with your argument that case managers have to ensure that evidence based practices are used in the management of patients, that the patients should be at appropriate levels of care and that all activities in case management should be backed by documentation. In your post, you identify several areas where the input of a case manager is required. Your arguments, especially with these areas relate to the importance of continued care for the patients in order to ensure that the plan outcomes are achieved. It is for this reason that nurse case managers continue Continue reading...

Introduction

Insurance companies have been known to prefer large companies for business. The companies would rather indulge in companies that are massive in size. What appears to be the universal rule for many insurance companies is that the bigger the size, the more preferable a client will be. Many reasons can be used to explain the position taken by these insurance companies. However, the one fundamental factor that controls how business is done is the force behind this notion; money. It is evidenced that big businesses result in big money.
The insurance firms are likely to enter into a contract Continue reading...

What are the five fundamental reasons that government should care about the number of uninsured? How does the Affordable Care Act aim to help this group of people? Discuss

Fundamental Reasons of Government on the Care of Uninsured

The increasing number of uninsured individuals in the country is an increasing concern for the government. It is a situation that draws the interest of the government concerning the number of uninsured. Therefore, there are fundamental reasons that the government should care about the number of uninsured. These fundamental reasons define the manner in which the government handles the issue of uninsured citizens in the country.
The first fundamental reason Continue reading...

Infrastructure Evaluation

Infrastructure Evaluation
1. Clearly describe current infrastructure, workflow, and processes
Several infrastructures have been brought to make healthcare better. The current infrastructure aims at providing citizens with an efficient, cost-effective, and evidence-based care. To the medical practitioners, it seeks to make clinical information readily available, and accessible be it in a research environment, primary care, or care institutions (How, 2014). These infrastructures in the healthcare informatics solely depend on technology. Implementation of this infrastructure will positively affect the current workflows depending on the existing technology. To change all these, time is required to allow staff the chance to adapt Continue reading...

Employer-based insurance has its roots to the world war and can be accrued to the taxation system at the time. It so happened that in 1940 or thereabout, the workers in the USA threatened to go on mass strikes to end the control over their wages. The Labor board then introduced a law that exempted employer benefits from any form of taxation. The laws created a tax advantage that led to workers demand of the employer-based health insurance because it was free from tax. The federal government tried to reform the system, but all labor bodies at the time Continue reading...

Canada has a federalized health system. This means that instead of a health insurance system, Canada has, “a set of publicly financed, provincially run insurance plans covering all legal residents for specified service categories, primarily "medically necessary" physician and hospital care,” (Deber). Unlike some countries that have government-supplied health care, Canada’s doctors are independent from the government, they’re not employed by the government, but they are paid by the government’s insurance program.
How much the government spends per citizen varies depending on the age of the person and where they’re from in Canada. For example, Continue reading...

<Author>
<Instructor>
<Course>

AIG has been among the leading companies in the insurance industry ranked 14th in the Fortune 500 companies, operating over a decade globally offering various insurance options for companies and individuals including 98% of the Fortune 500 companies, 96% of Fortune 1000, and 90% of Fortune Global 500, and insures 40% of Forbes 400 Richest Americans. With a strong history and reputation in the industry and persistent operations around the world, AIG was believed to be resistant to any crash or collapse. Huge amount of funds in terms of institutional investors, mutual funds, Continue reading...

One of the most significant healthcare reforms in the United States of America is the Affordable care Act (2010). The act has since sparked heated debate between the democrats and republicans with many giving opinions for and against it. The act expanded Medicaid to the lowest paid people in USA, encouraged employees to take healthcare insurances, provides credit for insurance purchase for those not eligible for Medicaid, and improves ways of purchasing insurances by allowing health insurance exchange, increased consumer protection and transparency. It also protects against unfair increase of insurance rates, encourages preventive and the primary care, and Continue reading...

In ridesharing services, drivers use their private cars to give rides. Such ride is provided to passengers on their request. Various companies have made ridesharing easy on the basis of their networking and now people use their Smartphone to place their requests for ride. Ride sharing is a good idea in order to save fuel and money but at the same time, there are various other aspects of ride sharing. Recently ridesharing services have attracted a lot of controversy and ridesharing service faces various troubles. On one hand, ridesharing service faces anger of traditional taxi services while on the Continue reading...

Government’s Role in U.S. Health Care
Government’s Role in U.S. Health Care
Health insurance coverage facilitates access to health care and protects individuals and families from catastrophic health expenses. Both the market and government have important roles in helping ensure the availability, affordability, and adequacy of private health insurance.
In 2006, about two-thirds of Americans had private coverage, including about 60% with employment-based and 9% with directly purchased health insurance. In the same year, about 27% of the population had government benefits through Medicare, Medicaid, and military health programs. About 16% of the population was uninsured.
Government Continue reading...

Many patients just like in the case of Sean Recchi have been shocked by expensive charged at the US healthcare centers. Many hospitals like MD Anderson in Huston have been faced with higher operational costs ranging from labor, medical and insurance among others. This has made the hospitals witness a diminishing profit margin consequently in the financial years. While most of the hospitals are nonprofit organization, they are now classified as the most lucrative field to invest in.
As a consultant contracted to review the costs incurred by the hospital, I will critically examine every aspects in the current Continue reading...

Protection of personal information in the present technological era, where sharing and distributing information is very common creates a concern for organizations and individuals for data privacy. In Information Technology (IT), Data privacy or Information privacy is related to the capability of an organization that allows to regulate the type of data in a computer system that can be distributed with third-parties. Apart from the Internet, the Networks also exchange information including personal data at a rapid rate. Data privacy is a business problem and the entire organization must solve the security issues through self strategic drivers, and not Continue reading...

Moral hazard means the tendency of parties to take risks believing that they don’t have to pay to pay for the results of their actions. The idea that a person is protected in a certain way from the risk will make them act differently as opposed to when they didn’t have that protection. Insurance companies, therefore, worry that by compensating people to protect them from losses, they may be actually encouraging high-risk behaviors. This results in the insurance company paying more in claims. Simply put, neither the consequences nor the cost will be felt by the policyholder.
Continue reading...

THE HEALTH CARE MARKET

Qn 1
Access to health care services varies from state to state. In the U.S, healthcare services have tremendously evolved from a predominantly volunteer or charitable system where patients paid little or no money at all to business entities (Ameringer, 2008). The healthcare industry is now one of the largest industry employing over 13 million workers with a projection to increase by 5 million by 2015. According to Ameringer, its very unfortunate that the health system problems lie with delivery system that drives low quality and inefficient care in a country filled with latest technological advancements and skilled health Continue reading...

Insurance services are crucial in the development of the economy. Different people would prefer different forms of insurance. Insurance companies are either public or private. There exist exclusive differences between the two forms of insurance. Each of the two has merits as well as demerits.
Public insurance is a form of insurance where the government takes full responsibility of the insurance concerns of the public. Some countries prefer sole application of public insurance in respect for private insurance. With a public insurance, the individual is assured of protection all the time. There will be minimal complaints of dishonesty that Continue reading...

Public vs. private insurance has been a topic of debate in the recent years all over the world. A public insurance offers a universal insurance policy, which delivers an accessible and affordable healthcare to the citizens . The government pays for the insurance entirely. On the other hand, private insurance is available for the individuals through an employer or private organizations and allows choosing a customizable plan. Private insurance reimburses the cost of the health care services or pay directly to the participating providers. Also, it offers the individuals to choose their preferred doctor or surgeon, while public insurance does Continue reading...

The soundness of the health care system in any country is based on the role and prevalence of the public and private sectors in delivering care. People pay for their health benefits and cost either through the public or government insurance schemes or manage it through the private sector. Health insurance providers differ in each country and in some countries the government plays a bigger role providing universal health care to its citizens through tax funded programs. There are also other countries where the government plays a limited role and health insurance is largely handled by the private sector. Continue reading...

When a young employee is beginning his or her adventure in the workforce, it must face a challange that hadn't really popped their minds during younger years: Taking care of insurance, and how they are going to invest in their futures.
Medical insurance isn't something to take lightly: It will define crucial moments in times of emergency, it will save you time when you are ill, and will guarantee you get proper care in health facilities.
How to choose the most efficient route? There has to be a balance between prices, services and benefits available, as well a model Continue reading...

Introduction

- Summary
- Medicaid
- Medicare
Analysis of challenges to Medicaid in terms of improving access to care, quality of care, and reducing the cost of care.
Analysis of challenges to Medicare in terms of improving access to care, quality of care, and reducing the cost of care.

Conclusion

• Conclusions about the future of managed care in each program
- Will it grow or decline?
- What will be the challenges for success?
Introduction
This research encompasses a study of managed care in United States of America as perceived under Medicaid and Medicaid provisions as health care coverage for citizens Continue reading...

Purpose

This paper contains the patient’s privacy rights and policies. It provides an overview of patient rights under the Health Insurance Accountability Act Portability Privacy Rule Act of 1996. The rule obligate patients the control over their medical information, which also includes the rights to evaluate and acquire a duplicate of their health reports and request changes. The HIPPA Privacy Rule ensures general principles to care for a person’s’ medical accounts and other private medical data and pertains to health procedures and healthcare providers that carry out health care connections by electronic means.

Definitions of Acts

HIPAA- A 1996 ACT checking Continue reading...