Research Paper on "Healthcare Organization and Finance Scenario"

Research Paper 4 pages (1455 words) Sources: 1+

[EXCERPT] . . . .

However, basing on the permanency of Davis' condition (as determined by SSA under Title II or XVI), this coverage may be extended to further to a possible maximum of 29 months. For the continuation to be legally binding, the insurance company and the employer must receive the SSA Notice of Award later before the initial 18 months elapses. At the end of the prescribed maximum period offered by COBRA, the beneficiary should apply for either Medicaid or Medicare. However, in case Davis is not entitled to Medicare or Medicaid, he is entitled to continue with one of the policies from their insurance provider. However, these policies are limited and more expensive as compared to the group insurance coverage that he had been enjoying (Stevens, 2003).

D. Discuss two challenges that state or local government face in providing care for patients like Mr. Davis who lack insurance coverage and have long-term, chronic illnesses that require ongoing care.

The rising high costs of treating such illnesses: many chronic and terminal diseases require a lot of money in their treatment. Since there are several people who suffer from such illnesses and are uninsured, the local government or state ends up spending so much in their treatment. Studies indicate that the number of Americans lacking health insurance is on a steady rise. In fact, in 2007, United States Census Bureau found out that approximately 45.7 million American (accounting for 15% of total population) were uninsured. This rise is attributed to the increased cost of insurance that discourage employers from offering health insurance coverage for their workers.

The government is also faced with the challenge of c
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onvincing insurance companies to insure those people who may be suffering from a terminal or chronic illnesses. This is because most of the insurance companies fear offering a policy on a risk that is certain.

1. Recommend one-step that state or local government could take to address one of the challenges you have discussed.

As a measure to address the challenge of raising costs of treating terminally ill patients such as Mr. Davis, I would expect the state or federal government adopt a system that subsidizes the insurance premiums for the unemployed and uninsured Americans. For example, it is clear that the COBRA premiums increase up to 150% of the extra period covered. This is unfortunate as the likes of Davis can hardly meet the extra costs. As such, the government should increase its subsidies on such individuals to encourage them to enroll for insurance services.

E. Discuss whether it would be better for Mr. Davis if he were a citizen of Great Britain, Japan, Germany, or Switzerland based on his healthcare concerns. In your discussion, include the following points:

Mr. Davis concerns are serious and need serious attention. After losing his job voluntary because of the long-term chronic disease he suffered, he finds himself at a crossroad where he cannot access insurance cover any further. Even when he has to apply for continuation of COBRA coverage, the cover only extends to a maximum of 29 months after which it ceases.

In my opinion, Davis argument that he prefers to be a Briton is justified. In the U.S., no government medical plan or healthcare service services the entire population. This is contrary to the National Health Service of United Kingdom, which covers the entire population. Children, the elderly, and the employed are assured of medical cover regardless of the economic backgrounds or preexisting medical condition (Harrison & McDonald, 2008). In other words, obtaining health insurance is a personal responsibility. As such, most people in America receive care from personal doctors or private hospital. They also have private health insurance plans to cover for the cost of doctor and visits to the hospital. However, the reforms that Medicaid and Medicare offer to the American population cannot be downplayed. For instance, an American citizen covered under these programs would be entitled to all benefits that accrue (King, 2009).

References

Daly, K.L. (2010). Centers for Medicare and Medicaid Services: Deficiencies in Contract Management Internal Control are Pervasive. New York, NY: DIANE Publishing.

Harrison, S., & McDonald, R. (2008). The Politics of Healthcare in Britain. London: SAGE.

King, M.K. (2009). Medicare and Medicaid: CMS and State Efforts to Interact with the Indian Health Service and Indian. New York, NY: DIANE Publishing.

Stevens, W.S. (2003). Health Insurance: Current Issues and Background.… READ MORE

Quoted Instructions for "Healthcare Organization and Finance Scenario" Assignment:

Introduction:

It is essential that nurses understand the issues related to healthcare financing, including local, state, and national healthcare policies and initiatives that affect healthcare delivery. As a patient advocate, the professional nurse is in a position to work with patients and families to access available resources to meet their healthcare needs. Nurses also have an ethical responsibility to be fiscally prudent in all practice settings, to eliminate inefficiencies, and to promote best practice.

Task:

Scenario 1:

Note: For parts A and B, the suggested length is a combined total of 1–2 pages.

Mrs. Zwick, a 77-year-old widow and permanent resident of the United States, was admitted as an inpatient and hospitalized for 5 days following a mild stroke. She was then transferred to a skilled nursing home for rehabilitation. The original projected time she would spend in the skilled nursing home was around 21 days. Mrs. Zwick was diagnosed with a hospital-acquired urinary tract infection 10 days into her stay at the skilled nursing home and required IV antibiotics. She was very weak and unable to participate in her rehabilitation for a full week. She remained in the skilled nursing home for a total of 40 days. A recently hired new graduate complained that the facility was not following the current evidence-based protocol related to urinary catheter care.

Upon discharge from the skilled nursing home, Mrs. Zwick is prescribed several medications and a walker. Mrs. Zwick has Medicare Part A, Part B, and Part D. Her daughter is involved in her discharge plan and will be handling all of her medical bills. The daughter admits that she does not understand Medicare and confuses it with Medicaid. Before taking her mother home she asks you, the nurse, for assistance. Neither Mrs. Zwick nor her daughter is aware that the urinary tract infection was considered a hospital-acquired condition.

A. Discuss with Mrs. Zwick’s daughter, based on coverage requirements, which of Mrs. Zwick’s costs will be fully or partially covered by the following:

1. Medicare Part A

2. Medicare Part B

3. Medicare Part D

B. Explain how Medicare policies would affect reimbursement for the additional care Mrs. Zwick needed when she developed a hospital-acquired infection.

1. Discuss the ethical implications of Mrs. Zwick’s incurring costs related to her hospital-acquired condition.

Scenario 2:

Note: For parts C through E, the suggested length is a combined total of 1–2 pages.

Mr. Davis was diagnosed with sickle cell anemia in childhood. He is very familiar with his chronic condition that requires laboratory testing, hospitalization to manage sickle cell crisis, blood transfusions, oxygen, medications, vitamin supplements, hydration, pain management, and rest. In the past year, he has been hospitalized twice and, due to his long absence, was terminated from his factory job where he was covered by a group health insurance. The factory has more than 100 employees. Mr. Davis is very frustrated with the healthcare delivery in the United States. He says he wishes he lived in some other country where he could have better access to healthcare.

C. Explain how the Consolidated Omnibus Budget Reconciliation Act (COBRA) will allow Mr. Davis to continue his insurance coverage while he is out of work.

D. Discuss two challenges that state or local government face in providing care for patients like Mr. Davis who lack insurance coverage and have long-term, chronic illnesses that require ongoing care.

1. Recommend one step that state or local government could take to address one of the challenges you have discussed.

E. Discuss whether it would be better for Mr. Davis if he were a citizen of Great Britain, Japan, Germany, or Switzerland based on his healthcare concerns. In your discussion, include the following points:

• Access for children, the unemployed, and retired persons

• Coverage for medications

• Requirements to get a referral to see a specialist

• Coverage for pre-existing conditions

F. If you use sources, include all in-text citations and references in APA format.

Note: Please save word-processing documents as *.rtf (Rich Text Format) or *.pdf (Portable Document Format) files.

Note: When bulleted points are present in the task prompt, the level of detail or support called for in the rubric refers to those bulleted points.

Note: When using sources to support ideas and elements in a paper or project, the submission MUST include APA formatted in-text citations with a corresponding reference list for any direct quotes or paraphrasing. It is not necessary to list sources that were consulted if they have not been quoted or paraphrased in the text of the paper or project.

Note: No more than a combined total of 30% of a submission can be directly quoted or closely paraphrased from sources, even if cited correctly.

How to Reference "Healthcare Organization and Finance Scenario" Research Paper in a Bibliography

Healthcare Organization and Finance Scenario.” A1-TermPaper.com, 2013, https://www.a1-termpaper.com/topics/essay/healthcare-organization-finance/1517094. Accessed 4 Oct 2024.

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