Get a Free E-Book! ($50 Value)
HIRE A WRITER!
Paper Types
Disciplines
Get a Free E-Book! ($50 Value)

Lack of Insurance, Essay Example

Pages: 1

Words: 599

Essay

A sensitive issue nowadays is the issues of free health care for the persons with no access to insurance cover. This is putting undue pressure on the health institutions and the government. The uninsured do get funds from the government despite their lack of insurance policies. These persons’ needs especially medical hurt the government as employers and service providers and also as employers. So talking about uncompensated medical care what do we mean? This refer to that kind of medical service that given free of charge or also the kind that happens because one is unable to clear the bill (Zwillich, 2006).

To the health care organization that offers free medical care it means that they have to constantly source for funds to sustain their charitable activities. Those others that do charge for the medical care, sometimes they are faced with unpaid medical bills. These bills are incurred by persons who they classify as those who can not pay their bill because they are too poor to do it. These leave the institution with a backlog of unpaid bills which they have to waiver or classify as bad debts. This hurts also the profit margins of the organization as a result (Hacker, 2009).

To deal with this, the most prudent actions to take as an institution are: the institutions can provide the uninsured with a different option of payment. This kind of payment needs to be flexible and offering the patients manageable alternatives to pay their hospital bills. By this the patients also do not deface their credit rating.

One great example of this is the MAPTM by lifepoint. Their system is a credit card that earns low interest. With the system, the hospital is paid straight away but the patients payment is stretched to make payment comfortable. The patient can relieve their balances to prevent them from being categorized as credit unworthy.

The law should allow for and enforce that services on emergency be provided to the public irrespective of whether they are able or not to pay. However, this should not be confused with free medical care. The emergencies will be billed to the patient once they have recovered. The government should put in place policies that ensure everyone in the state has access to insurance. These include micro insurance policies for income groups in the country. This will ensure that the citizens can save for their medical covers for may be as low as half a dollar a day. This can be through national health insurance (Hacker, 2009).

The government should not offer free health care to citizens. Offering free health care will lead to congested health facilities. Those can afford paid private health will feel less motivated to visit private health institution. This is going to create waiting lists for excess patient to doctor ratio. The fund distribution system should be decentralized in case there is absolute need to provide funds for health care (Zwillich, 2006).

What are some of the realistic solutions by the private sector? This is the question that many analysts are seeking to answer. The major workable solution that the private sector can employ includes the lifepoint’s MAPTM which has had great benefits both to the patients or the card holders and the institution. It has reduced their bad debts and increased their profit margins. To the patients it has offered a greater deal of flexible payments (Hacker, 2009).

 

References

Hacker, Jacob S. (2009). The Great Risk Shift: The New Economic Insecurity and the Decline of the American Dream. USA: Oxford University Press.

Zwillich, Todd. (2006). “ACP-ASIM: Lack of Insurance Is a Health Hazard.” New York: International Medical News Group.

Time is precious

Time is precious

don’t waste it!

Get instant essay
writing help!
Get instant essay writing help!
Plagiarism-free guarantee

Plagiarism-free
guarantee

Privacy guarantee

Privacy
guarantee

Secure checkout

Secure
checkout

Money back guarantee

Money back
guarantee

Related Essay Samples & Examples

Advance Fundraising Techniques, Essay Example

Our Organization Mission The mission is to positively impact girls’ lives by working with their parents and local communities to enhance the realization of their [...]

Pages: 1

Words: 1787

Essay

Training in Organizations: A Cost Benefit Analysis, Essay Example

The cost / advantage evaluation of the training provides a comparison between the monetary values of the training in comparison to the non – financial [...]

Pages: 1

Words: 264

Essay

The Four Categories of Evaluation Results, Essay Example

Reaction results are assessments of the subjective measurements, affective components and perceptions of the trainee’s experience during the training process. The reaction results are representative [...]

Pages: 1

Words: 422

Essay

The Private Worlds of Dying Children, Essay Example

In the preface to the book “The Private Worlds of Dying Children,” author Myra Bluebond-Langner says that one of the significant issues the book attempts [...]

Pages: 1

Words: 752

Essay

Mom & Me & Mom, Essay Example

In the memoir “Mom & Me & Mom” author and poet Maya Angelou, who already wrote a memoir of hear early life entitled “I Know [...]

Pages: 1

Words: 816

Essay

The Consultant Chapter 1 and 2, Essay Example

Chapter One Becoming successful, according to the author, is not about chasing money. Small decisions lead to a balanced lifestyle that includes having enough money [...]

Pages: 1

Words: 275

Essay

Advance Fundraising Techniques, Essay Example

Our Organization Mission The mission is to positively impact girls’ lives by working with their parents and local communities to enhance the realization of their [...]

Pages: 1

Words: 1787

Essay

Training in Organizations: A Cost Benefit Analysis, Essay Example

The cost / advantage evaluation of the training provides a comparison between the monetary values of the training in comparison to the non – financial [...]

Pages: 1

Words: 264

Essay

The Four Categories of Evaluation Results, Essay Example

Reaction results are assessments of the subjective measurements, affective components and perceptions of the trainee’s experience during the training process. The reaction results are representative [...]

Pages: 1

Words: 422

Essay

The Private Worlds of Dying Children, Essay Example

In the preface to the book “The Private Worlds of Dying Children,” author Myra Bluebond-Langner says that one of the significant issues the book attempts [...]

Pages: 1

Words: 752

Essay

Mom & Me & Mom, Essay Example

In the memoir “Mom & Me & Mom” author and poet Maya Angelou, who already wrote a memoir of hear early life entitled “I Know [...]

Pages: 1

Words: 816

Essay

The Consultant Chapter 1 and 2, Essay Example

Chapter One Becoming successful, according to the author, is not about chasing money. Small decisions lead to a balanced lifestyle that includes having enough money [...]

Pages: 1

Words: 275

Essay

Get a Free E-Book ($50 in value)

Get a Free E-Book

How To Write The Best Essay Ever!

How To Write The Best Essay Ever!