Healthcare Policy Analysis

Healthcare Policy Analysis

Public health is the most crucial factor within the requirements that the current government is inclined to involve. Through the identification of prospected innovative ideas on healthcare improvement, expensive and dire consequences in the future can get avoided. The state health authorities are responsible for the concerns of healthcare organizations. Healthcare is a continuous political battlefield that seems to be never-ending. More than a million ladies globally presently have cervical cancer. The majority have not yet diagnosed or access medication that can heal or prolong lives. According to the WHO report ( 2019), it stated that cancer is the leading cause of death in the states, but reported efforts have to diagnose, especially among women who suffer the most.

The Department for Health in America also works on individual healthcare costs while ensuring all Minnesotans can attain healthcare services across the state. is by massive enrolment during birth and all the individuals who qualify for the same. Cervical cancer is higher among HIV positive women. (Gaffney et al., 2019). Since they live longer with the HPV infection, which is the main problem leading to cervical cancer. These women, therefore, progress to the life-threatening invasive disease more than those who are HIV negative. Studies have reported an increase in cervical cancer among HIV-positive women as compared to the general population with the standardized incidence ratio ( Mozaffariant et, al 2019)

Cancer treatment is costly, leaving a lot of the people affected without adequate care due to a lack of funds. A lot of the people in second world countries are living below the poverty line having challenges meeting basic needs.

In most cases, cancer patients cannot afford chemotherapy sessions and opt to get backdoor or illegal drugs to ease the process of the cancerous growths taking a tool on them. In the united stated, the affordable care act is one of the initiatives set to help every citizen to get healthcare. Most of the patents require health insurance, and this proves quite tedious, given that most people are not employed. This essay will look into the healthcare policies and insurance cover for patients.

Requirements for eligibility

• Must be a United States resident.
• Should not be exceeding 65 years of age.
• In the case of an alien, they should have been admitted legal and has a permanent residence.

The term insurance refers to the provision of compensation on items, health, and even money on the event that any damages, theft, or illness (Sinha, 2019). Payments on these losses get made to the client or family upon the occurrence of the events mentioned above. The industry mainly operates on probability and estimation.  In the modern world, insurance companies have increased in number due to increased demand and asset influx. The insurance agreement entails a document containing policies and conditions necessary for the plan to be valid. The contract is between the client and the service provider. The money charged by the insurer for the services rendered is called a premium. Insurance professionals are responsible for getting clients and creating conducive agreements.

Health insurance is a branch of insurance that aims at addressing payments of medical and surgical expenses incurred by the insured individual or group. Health insurance either reimburses the client for medical expenses or directly pays the health service provider. The private health insurer needs strictly prohibited from selling health insurance. Anything beyond this shall be violating the Act. Hence, an employer is required to provide benefits to the employees. d In case of risk, the employees’ compensation. It involves; workers’ compensation carriers, workers’ compensation services, and workers’ compensation medical services. Thus it will enable even the poor to access health insurance service. It is a mostly free healthcare plan, as described by most individuals. It mainly aims to ensure coverage for every household or penalty payment in return.

States continue to act as laboratories that get tasked with the implementation of health policies, an example being the Affordable Care Act. Reforms have the cost of health and health-related problems. It ensures that every citizen of the United States has access to the medical program. There shall not be discrimination in terms of color, race, sex, or age. All individuals shall be included to participate and benefit from the program.

Patient’s expectations in the Act

1. Continuity of services.
2. Quality services.
3. Highly trained and qualified personnel
4. Satisfaction in terms of waiting to access the services.
5. Quality standards are in terms of operations, organization, and facilities.

The affordable care act is thoroughly contested by the conservatives that object tax increases and high insurance premiums that are required to pay for the Affordable Care Act. Most of the stakeholders in the healthcare industry are very critical to the additional workload imposed on them as well as on the medical practitioners. As much as healthcare is affordable to the less fortunate, concerns get raised concerned with its adverse effects on the quality of care. The factors mentioned above have resulted in frequent demands for the ACA to get repealed and overhauled.

Some of the benefits of the bill include;

• Hospital services. It will involve both outpatient and inpatients.
• Ambulance services for patients.
• Diagnostic and laboratory services.
• It entails early and regular screening.
• There is a treatment of mental health and any form of abuse.
• Proper care for the delivery of women and their newborn babies.
• Free transportation.

The limitations of the bill include;

• More people are required to pay higher premiums
• There is a high possibility to get fined once you lack insurance
• Taxes get increases to support the bill
• Businesses get forced to cut hours so as not to cover employees

One of the best ways health care providers merge diverse factors into one to work as a single unit preexisting and long-term illness includes through the objects or events over and over. These factors have proven some medical basis and application of the said treatments to the affected patients. New providers have the authority to request records and consult patients that are thinking, looking into, or are related to previous treatments and their response to them. Through the EBM identification problems, and its causes provides an in-depth understanding of the truth behind the success of medications in the form of numbers concerning the proper results.

Group health plans get defined as welfare employee benefit plans. Employers maintain them for employees or by unions representing employees. Both of these entities provide healthcare for designated participants. Medical care is provided directly, through reimbursement, or otherwise. Employers subsidize group plan premiums, and expenses get shared between employers and employees. Group health insurance cost less than individual coverage due to the average small business deductible being 40% lower than the average personal plan. Choosing a program requires an understanding of official plan documents to know the limitations and flexibility of the proposed project and how it works.

Employee lifestyle affects the choice of a plan.  That depends on the affordability of the plan deductions without changing the overall income of employees.  Some employees spend more to maintain a suitable living standard. Deprivation of such luxuries reduces morale and global work ethic, which results in poor performance. Incorporation or enactment of Obama care eases the process and affordability of insurance for employees, making the purchase or enlisting of insurance premiums easier to access. Governmental or federal insurance proves the most efficient due to covering a wide range (Samuel & David, 2019). 70-75 %of the expenses are covered by the coverage compared to organizational insurance, which may have limitations and constraints on certain factors. This limitation is a significant disadvantage when purchasing insurance for employees.

The advantages of purchasing insurance include dental, and vision benefit attracts and maintains employees as compared to lack of dental and vision in most governmental protection. The buying of insurance means tax advantages for employers of deducting plan contributions, which include life insurance, health insurance, and pension plans. Most employees prefer the right coverage for higher salaries. Personal benefits for employers will be many, especially if insurance is purchased personally. Health insurance boosts morale, team spirit, work ethic, and overall employee interest in work. Businesses and employers with adequate to exceptional benefits attract a competent workforce, increase loyalty and productivity, among other benefits to the employer. Although this may be advantageous, it comes with scrutiny from federal and state employment laws.

They are purchasing health insurance results in more costs for small enterprises and businesses than larger ones. The small business subsequently faces stricter retirement plans due to administrative costs. The company that offers more benefits is required to pay more for them.  Financial planning based on insurance is more stringent due to the steady rise in health insurance costs. A company can incur legal fees due to offering benefits that are concerned with legal compliance cases. Employees can sue companies or businesses as a result of mistakes regarding benefit plans.

References

Gaffney, A. W., White, A. C., Woolhandler, S., Himmelstein, D., Christiani, D. C., & McCormick, D. (2019). Effect of high-deductible health plans on healthcare access, financial strain, medication adherence, and outcomes for patients with COPD: findings from the National Health Interview Survey. In D93. PAYING FOR CARE IN PULMONARY DISEASES (pp. A7033-A7033). American Thoracic Society.

Mozaffarian, D., Griffin, T., & Mande, J. (2019). The 2018 Farm Bill—implications and opportunities for public health. Jama, 321(9), 835-836.

Sinha, A. G. K. (2019). The allied and healthcare professions bill 2018: Implications for physiotherapists. Physiotherapy-The Journal of Indian Association of Physiotherapists, 13(1), 1.