The Basic Elements of Health Insurance

For health insurance to be effective, different aspects must be put into consideration. Universal coverage is a basic element of health insurance. Health insurance should cover majority of citizens in a particular country. In addition, health insurance should be continuous. Continuity allows early detection of a disease and uninterrupted treatment.Advertising We will write a custom essay sample on The Basic Elements of Health Insurance specifically for you for only $16.05 $11/page Learn More Moreover, health insurance should be affordable to low income families and individuals (Gunnar, 2006).Affordability includes incentives, inflation controls and cost to offer cost-effective services. As a result, health insurance can be accessible to low-income individuals and families. Health insurance should promote health and well-being of those it covers. It should include mental health and preventive services. These elements can be summarized as: efficiency, effe ctiveness, patient-centered services, timeliness and equity (Quadagno, 2005). There are several associated with the use of employment based coverage. Quadagno states (2005) that research has made it evident that it is always cheap for a worker to get a health insurance through his employer than doing it himself. It is because the employer can negotiate prices with issuers because he represents many workers. This also becomes easy for the insurance company because it spends less per person as compared to insuring an individual. It is an advantage to the issuer in that the financial risks are spread over a group of people. In addition, the program ensures delivery of quality healthcare services. As a result, innovativeness is a key element in this program. Employer based health insurance has drawbacks too. First, all citizens cannot have access to it because employers offer coverage to their employees only. In addition, if an employee decides to quit his job or resign he losses his co verage. In addition, the choices of healthcare plans are limited because the company intents to minimize the costs. Employer based insurance lacks universal coverage. As a result, the program lacks portability and benefits are not transferable (Quadagno, 2005). There are basic elements which need to be incorporated in health insurance programs to ensure the poor and uninsured have access to insurance health. These elements should ensure services have the following characteristics: affordable, cost-shared, accessible, extended scope of benefits and financed.Advertising Looking for essay on health medicine? Let's see if we can help you! Get your first paper with 15% OFF Learn More The best way that has been known to provide health care to the poor and non insured is through provision of affordable premiums. Statistics show that nine out of ten of the uninsured families and individuals are classified as poor or low-income group (Gunnar, 2006).The premiums offered are exp ensive and this group of persons cannot afford to pay. Provision of affordable premiums can accommodate the poor and low-income persons (Quadagno, 2005). Poor families and individuals are at high risk of being uninsured. In addition, this group of uninsured persons is in moderate or low income families. Cost sharing is essential in provision of health insurance to the poor and uninsured. The employers can contribute towards the payment of premiums for their employees. As a result, the poor can afford insurance premiums through cost sharing (Gunnar, 2006). Stakeholders involved should review the existing health insurance programs to identify and address the gaps in accessibility of services. Insurance companies lack health insurance for children and the elderly (Gunnar, 2006). However, some insurance companies have revised eligibility of individuals to be covered to provide inclusive services. Every citizen in a particular country should access health insurance. Services offered shou ld be universal to ensure coverage of all citizens in a particular country. In addition, the scope of benefits should be reviewed to ensure all members of family are covered (Gunnar, 2006). References Gunnar, W. P. (2006). Fundamental Law That Shapes the United States Health Care System: Is Universal Health Care Realistic within the Established Paradigm, The Annals Health L., 15 (2), 151. Quadagno, J. (2005). One nation, uninsured: Why the US has no national health insurance 5(3), 23-30. This essay on The Basic Elements of Health Insurance was written and submitted by user Nico Bruce to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Top Tips for Succeeding in Statistics Class

Top Tips for Succeeding in Statistics Class Sometimes statistics and mathematics classes can seem among the hardest that one takes at college. How can you do well in a class like this? Below are some hints and ideas to try so that you can do well in your statistics and mathematics courses. The tips are arranged by things that you can do in class and things that will help outside of class. While in Class Be prepared. Bring paper for notes/quizzes/tests, two writing implements, a calculator, and your textbook.Be attentive. Your primary focus should be whats going on in class, not your cell phone or Facebook newsfeed.Take careful and complete notes. If your instructor thinks that something is important enough to write on the board, it should be written in your notes. The examples that are given will help you when you study and work problems on your own.Write the date and section covered in your notes at the beginning of each class. This will help when you study for tests.Be respectful of your classmates time and ask questions that are pertinent to the material being covered. (e.g. Why is the number of degrees of freedom one less than the sample size?) Save questions that pertain only to you (e.g. Why did I get 2 points taken off for problem number 4?) for your instructors office hours or after class.Dont feel the need to cram as much as possible on a page of notes. Leave plenty of room so that you can write your own comments when you use your notes to study. When test/quiz/assignment due dates are announced, immediately write them in your notes or what you use as a calendar. Outside of Class Math is not a spectators sport. You need to practice, practice, practice by working out problems in the homework assignments.Plan on spending at least two hours studying and/or doing problems for every 50-minute class session.Read your textbook. Constantly review what has been covered and read ahead to prepare yourself for class.Get in the habit of consistently doing work for your courses.Dont procrastinate. Start studying for your tests around a week in advance.Spread out work for large assignments. If you have difficulties early on you can get help more quickly than if you wait until the night before.Utilize office hours. If your schedule doesnt match your instructors office hours, ask if it is possible to make an appointment for a different time. When you come to office hours, be ready with specific questions about what you had trouble with or didnt understand.Utilize any tutoring services that your college or university provides. Sometimes these services are offered at no cost to students. Review your notes constantly. Form study groups or get a study partner in each of your classes. Meet to go over questions, work on homework, and study for tests.Dont lose the syllabus or any other handouts. Hold onto them until after you get your final grades. If you lose the syllabus, go to the course webpage to get a replacement.If you get stuck on a problem and dont make progress on it after 15 minutes, call your study partner and continue working on the rest of the assignment.take responsibility. If you know you will miss a test for any reason, let your instructor know as soon as possible.Purchase the textbook. If you have an older edition of the book, it is your responsibility - not your instructors - to see what that the sections/page numbers mentioned in class correspond within your book.If you are a statistics or math major, strongly consider keeping your textbooks and dont sell them back. Your statistics book will be a convenient reference.