Discussion #2 HSA
Discussion #2 HSA HSA 3111
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This 3 page Class Notes was uploaded by Sharon Stambouli on Wednesday October 5, 2016. The Class Notes belongs to HSA 3111 at Florida International University taught by Dr. Chanadra Whiting in Fall 2016. Since its upload, it has received 3 views. For similar materials see Statistics for Biology Majors in Statistics at Florida International University.
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Date Created: 10/05/16
Sharon Stambouli HAS3111 Fall 2016 Discussion #2 1. In broad terms, financing includes the concepts of insurance, payment, and financing itself. It enables people to obtain health insurance. Providers rely on their patients insurance services to pay, to an extent, for the services that they deliver. The payment function determines reimbursement and undertakes the actual payment for services received by the person insured. The biggest impact of financing is determining access to services of health care, and therefore the demand for healthcare is related to the finances. Financing influences also supply factors such as the amount of healthcare available. It affects the total expenditures of a delivery system. Financing has the impact of who has access to health care and who does not, although many uninsured have access to charitable care, despite the ACA, charity will continue to play a noteworthy role mainly for those who remain uninsured. (Shi & Singh, 2015) 2. Reduce Defensive Medicine: Defensive medicine refers to a medical profession whose purpose is primarily to protect doctors and medical providers from lawsuits for malpractice. This means that it protects practitioners from the lawsuits that are nowadays extremely easy to execute when someone doesn’t get the medical treatment they want. As a consequence, doctors have to complete a large amount of unnecessary tests and spend long hours filling up paperwork and legal documents to prepare for potential lawsuits that may come from dissatisfied patients. The money spent on this long documentation, extra tests, and facetoface patient time is covered by healthcare money, because doctors do not want to split the cost so that they get court protection. Defensive medicine is important to today’s medical practice, but if less time and expenses were devoted to this type of medicine, more money, time, and resources could be spent on actually helping the patients without more money spending. And overall, more healthcare money always helps patients and benefits them (Park, J.L 2009) 3) Scenario: You just got hired as entrylevel healthcare administrator and your employer offers two types of insurance plans. A married coworker/employee with two children asks your advice about which plan they should choose. Your coworker/employee reveals to you that their daughter is autistic and requires special medication and counseling. Although you can't tell your coworker/employee which plan to choose, what advice will you give your coworker/employee about choosing? Explain your reasoning in detail. The advice I would give my coworker/employee about choosing would be to potentially look into the twentynine states that offer autism insurance and therapy. These states are Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Illinois, Indiana, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oregon, Texas, Vermont, West Virginia, Washington and Wisconsin. These states have not only passes autism insurance mandates, but they have also opted to mandate the benefit in ACA plans sold on the exchange. If the employee resides in one of these states, I would suggest he requires an insurance plan that adequately covers his family and offers treatment for his daughter. If he does not, an option would be to visit the closest or most appropriate state that offers this insurance and look into potentially moving there (Felice, 2012). This actually happened to my mother’s best friend. Her family resided in Florida and her youngest daughter is autistic. She figured out that it was too expensive for her husband to have to pay for her treatments in Florida because her insurance did not cover it, so her family moved to Boston, MA for a few years in order to provide her daughter with the best, and insured, treatment for Autism. (My own personal experience)
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