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Discussion #2 HSA

by: Sharon Stambouli

Discussion #2 HSA HSA 3111

Sharon Stambouli
GPA 3.95

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Here are all the summarized notes from the textbook’s chapters 1-8 in discussion form
Statistics for Biology Majors
Dr. Chanadra Whiting
Class Notes
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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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