Pre-existing Medical Conditions and the Uninsured Term Paper by flcircle

Looks at the problem of pre-existing medical conditions and the changes Obama's 2010 Affordable Medical Care Act will have on the health care industry.
# 149909 | 3,704 words | 20 sources | APA | 2011 | US


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Description:

This paper presents the historical background as medical costs increased that has resulted in the current problem; whereby, millions of American, who have suffered from pre-existing conditions that prohibited them from acquiring insurance coverage, are creating a financial burden for themselves, hospitals, other health care providers and governments. Next, the author assesses the effects of this situation on these stakeholders in terms of access, inequities, quality of care, sustainability and efficiency. The paper concludes that Obama's 2010 health care reform initiatives, in which denial due to pre-existing conditions will be no longer be allowed ,will help all these stakeholders. This paper contains figures.

Table of Contents:
Problem Statement
Background
Stakeholder Analysis
Government
The Uninsured
Insurance Companies
Hospitals and Other Medical Care Facilities
Assessment
Access
Inequities
Quality of Care
Sustainability
Efficiency
Conclusion

From the Paper:

"Private insurance coverage experienced a massive growth following World War II and the passage of Medicaid and Medicare in 1965. Most Americans were unaware of the cost of Medicaid and Medicare as it was paid for through discreet tax increases and slower real wage growth. As medical costs began to rise, corporations began to shift the growing cost onto the worker in the form of insurance deductibles beginning some time in 1979. The deductible in the late 1970s was approximately 14% but by 1984, had quadrupled to 52%. Many smaller commercial insurers began to enter the market, which was dominated by Blue Cross/Blue Shield by offerings to low-risk groups. These smaller insurers eliminated many populations by matching premiums to the expected actuarial risk of subscribers. Firms began seeking out less expensive insurance polices forcing insurers to redefine their methods for rating employer groups and avoiding those with the highest health risks, shifting most of the financial risk from the insurance companies to employers by 1988. Insurance companies issued group coverage and the cost was determined by geographic locations.
"During Nixon's administration, the trend moved toward managed care with the passage of the Health Maintenance Organizations (HMO) Act of 1973, the healthcare field also saw the appearance of Preferred Provider Organizations (PPOs), and Point-of-Service (POS) health care services."

Sample of Sources Used:

  • Alzheimer Society (2007). 1906-1999 alzheimer time line.
  • Anonymous, (2011). Health insurance; HHS to reduce premiums, make it easier for Americans with pre-existing conditions to get health insurance.
  • Braveman, P., and Gruskin, S., (2003). Defining equity in health. Journal of Epidemiology & Community Health, 57(4), 254-258. doi: 10.1136/jech.57.4.254
  • Burns, A., Byrne, E., and Maurer, K. (2002). Alzheimer's disease. The Lancet.
  • Chollet, D., (2002). Expanding individual health insurance coverage: Are high-risk pools the answer? Health Affairs, 349-352

Cite this Term Paper:

APA Format

Pre-existing Medical Conditions and the Uninsured (2012, January 11) Retrieved February 06, 2023, from https://www.academon.com/term-paper/pre-existing-medical-conditions-and-the-uninsured-149909/

MLA Format

"Pre-existing Medical Conditions and the Uninsured" 11 January 2012. Web. 06 February. 2023. <https://www.academon.com/term-paper/pre-existing-medical-conditions-and-the-uninsured-149909/>

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