Insurance for Respiratory Disease

Paper Summary:

The paper discusses how medical insurance, which is supposed to make medical treatment affordable for the working man, may be becoming unaffordable itself. This is the direct result of some high insurance claims which are sapping the medical insurance system. The paper explains that because the most common causes of respiratory disease are behaviors which the patient chose to engage in knowing that it would be detrimental to his or her health, such as smoking, many people feel that there is an ethical justification to limiting insurance claims for respiratory disease. The paper presents the arguments for and against placing limits on insurance for respiratory problems.

From the Paper:

"It would be very hard for doctors to distinguish between patients who suffer from emphysema or chronic bronchitis as a result of a hereditary disease, environmental pollution, or secondhand smoke, and those who suffer from the condition as a result of smoking. Therefore it would be unfair to punish those who unfortunately suffer from the same diseases which are common in people who smoked but these people actually never engaged in smoking themselves."

Sample of Sources Used:

• Emphysema. July 14, 2005.http://www.intelihealth.com/IH/ihtPrint/WSIHW000/32172/32179/266753.html?d=dmtHealthAZ&hide=t&k=basePrint
• Healthcare Market. 2003.http://www.mptotalcare.com/healthcare_market.html
• Ramos, M. Inmaculada. Chronic Respiratory Diseases - Defusing the Healthcare Time Bomb. 2003.http://www.touchbriefings.com/pdf/14/lth031_p_RAMOS.PDF
• Respiratory Diseases. November 30, 1999.http://aspe.hhs.gov/sp/asthma/appxg.pdf

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