It was inaccessible to most people especially to Americans from the rural places (Shaw et al., 2014). Before the introduction of the Affordable Act, most of the people were uncovered by any health insurance policy…
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that led to escalating cost of health insurance, insufficient stress on disease prevention and lack of accessibility of medical services many Americans remained without any health insurance cover.
The Medicare and Medicaid introduced in 1965 have been particular on those fitting for the medical cover and had no regard for quality or cost control (Shaw et al., 2014). The medical underwriting practices such as the use of experience rate to determine the premiums based on customer’s health and the exclusion wavers that disqualify certain common health conditions from insurance coverage put limits on accessibility of health insurance by the small business and individuals (Furchtgott-Roth & Banerjee, 2011). Furthermore, the preexisting condition clause empowered insurers’ to fails covering persons with certain medical conditions. Also, the huge service charge of administering insurance cover to individual resulted in higher premium charges than a single policy cover for a large business (Furchtgott-Roth & Banerjee, 2011). Therefore, the introduction of P.P.A.C.A. focused on reducing cost, extending insurance coverage to the uninsured Americans and controlling the growth of cost (Shaw et al., 2014). The main goal of the Patient Protection and Affordable Care Act (PPACA) of 2010 is to increase the accessibility of health insurance for individuals and small businesses by making it more affordable (Furchtgott-Roth & Banerjee, 2011).
The affordable care act has various features that have led to increasing in expansion of insurance coverage to the citizens, limit cost growth and quality improvement of the health services. The Act has eliminated the barriers prohibiting persons with preexisting health conditions from paying higher insurance premiums or denial of access to health insurance cover and lifetime limits on coverage (U.S. Department of Health & Human Services, 2013). The Act also limits the factors insurers can consider to determine premiums into four namely
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(“The Patient Protection and Affordable Care Act of 2010 Assignment”, n.d.)
Retrieved from https://studentshare.org/health-sciences-medicine/1674383-the-patient-protection-and-affordable-care-act-of-2010
(The Patient Protection and Affordable Care Act of 2010 Assignment)
“The Patient Protection and Affordable Care Act of 2010 Assignment”, n.d. https://studentshare.org/health-sciences-medicine/1674383-the-patient-protection-and-affordable-care-act-of-2010.
These features include being allegedly unconstitutional, according to some experts (Wikipedia,org, 2011); leaving 8% uninsured, even after full implementation (Rudowitz, 2011); and being apparently biased in favor of allopathic medicine, which is less cost-effective than alternative and complementary medicine for many conditions and which is not the medicine-of-choice for many Americans (Free Health Advice Center, n.d.).
Despite all their promises, the witnessed trend so far shows little if any fulfillment of these promises. The steady rise of healthcare costs afflicts many citizens. In addition to that, many people live their lives without health insurance because it is a luxury they cannot afford (Harry, 2010).
The various DHMO plans have influenced the dentist-patient relationship in different ways based on the terms that dictate the services provided under every plan. There are four basic organisational modes under which dental care can be provided. These modes impact how the dentists relate to their patients or clients.
The rest of the hospitals are operated by profit-making organizations. Most of the US population is insured either by their family members or their own insurance schemes. Nevertheless, there are people who lack insurance cover despite the government’s provision of insurance for employees in the public sector.
Further, there are sometimes unintentional consequences when the U.S. government intervenes in the healthcare market. Economically, the government will lose from fraudulent healthcare practices. The lazy
The insurance companies should try to shorten the time take for individuals to sign up to at least ten minutes. The department of health come up with more agreements in conjunction with web brokers that will enable the websites to give customers alternatives. This will ensure consumers can sign up for health care.
The high cost of health insurance prompted the government in 2010 to enact the Affordable Care Act that at its inception was aimed at expanding health Insurance coverage to more Americans. The Act was meant to help an estimated 30 million to 34 million people once it was enacted. However, although the legislation was important to the American people.