We use cookies to create the best experience for you. Keep on browsing if you are OK with that, or find out how to manage cookies.
Nobody downloaded yet

Sick Around America directed by Jon Palfreman - Essay Example

Comments (0)
Summary
Sick Around America
The challenges that face employees are highlighted in a documentary Sick Around America directed by Jon Palfreman. Perhaps, the most conspicuous challenge is when the employee loses or leaves his/her job which results in health coverage loss. …
Download full paper
GRAB THE BEST PAPER
Sick Around America directed by Jon Palfreman
Read TextPreview

Extract of sample
Sick Around America directed by Jon Palfreman

Download file to see previous pages... Under the federal COBRA law, employees under comprehensive group coverage can only continue with the coverage provided they pay the premiums in full which is rather expensive leading to many employees not taking the option. Therefore, this leads to ‘job lock’. According to Buchmueller and Valletta (1996), this term defines reduced worker mobility that arises from the perceived risk of losing health coverage. This compromises especially individuals who have a medical condition, who, if they change jobs, may be denied coverage either for the existing condition or altogether under their new employers through application of the ‘preexisting condition’ clause.
Another challenge that is evident is that employees are forced into jobs contrary to their career choices, just to secure health coverage. To the employers, small businesses feel the heat of these plans. The documentary Sick Around America highlights the plights of a small business hit by a million dollar cost for the delivery of a premature baby by the employees that resulted in their insurers increasing the premiums by over 78%.
Consumer Directed Health Plan (CDHP) is operated by insurance companies who are not obliged to cover anyone. Indeed, they take steps to avoid those who are already sick through a practice called medical underwriting. This practice enables the private insurers to avoid the sick and select the healthy. This is done through rigorous forms that require a person to fill all his health history. This is compounded by the fact that the insurers have access to all the medical records ever developed about any person. As a result, any person with a history of serious conditions, such as diabetes and heart problems gets rejected. This was also applied to people with even common ailments. Failure to disclose anything material is regarded as fraud and the insurers employ this opportunity to recede retrospectively coverage of persons after they have become sick. Insurers take the opportunity of this window to frame questions that are ambiguous and that will, in some way, lead the unsuspicious applicant forgetful of some minor past details to give incorrect information, which would, in turn, allow the insurer to recede the contract. This practice was being abused. Indeed, the documentary points to the fact that some insurers actually paid bonuses to their employees who were in charge of rescission based on how many rescissions the carried out in a given year. Medical underwriting has been countered in some states through the guaranteed issues. In such states, the law requires everyone who seeks insurance to be insured. However, such guaranteed issues predisposed the subscribers to extremely high premiums given that it allowed them a leeway to subscribe after they got sick. In states such as Massachusetts that had the guarantee issues, everybody was mandated to buy a policy or else be fined. This was hard to implement given that due to the soaring cost of the premiums, many residents could not afford it, and it was, therefore, impossible to enforce it. The health care reform has introduced some far reaching provisions with regard to the above problems. For instance, to cure the problem that arises from medical underwriting, there are introduced programs that care for those who have been rejected due to health conditions or disability. Such programs include the Pre-existing Condition Insurance Plan (PCIP), while young adults below 26 years qualify for coverage under their parent’ ...Download file to see next pagesRead More
Comments (0)
Click to create a comment
CHECK THESE SAMPLES - THEY ALSO FIT YOUR TOPIC
Analysis of the Poem Letter to a Friend by Jon Stallworthy
Despite the current absence of the friend in the act of blaming, the friend’s anguish can be felt in the writer’s remorse on initiating and repeating the phrase “You blame me that ...” which equivalently depicts how much their relationship has been strained by the settings of politics and associated concerns.
3 Pages(750 words)Essay
Jon Benet Ramsey Murder
Who would have thought that the least painful thing she would do would be to die? One of the things that the media is excellent at is shifting the focus from tragedy to scandal in order to justify their continued presence in a matter that did not merit such hard pressed coverage.
6 Pages(1500 words)Essay
Care of Sick Children
This means taking care of children’s body, mind and spirit. Palliative care also involves considering the well-being and giving support to the child’s family. Mostly, palliative care begins after a child is diagnosed with a certain disease. The palliative care continues regardless the fact that the child receives the recommended medical care or not.
8 Pages(2000 words)Essay
RFP's are sick, not dead
Companies use request for proposal (RFP) to acquire required from suppliers. Next part of the study will try to brief various aspects of RFP. Request for Proposal (RFP) Research scholars believe RFP is the basic way for buyers to gather information regarding suppliers.
5 Pages(1250 words)Essay
What's Up with the Weather by Jon Palfreman
Almost nine years ago, Public Broadcasting on its science magazine "Nova" aired an item "What's Up with the Weather?" written, produced and directed by Jon Palfreman. The program was a debate between environmental activists including scientists Marty Hobert of New York University and Tom M .L.
2 Pages(500 words)Essay
The Introduction Of Billingual Education In Educational Institutions Around America
Living in a world on the move, it may well turn out that tomorrow the next-door neighbors of a certain family will be persons who speak what to them is a foreign tongue. For political, economic and social reasons, as well as to further their education, people are relocating themselves in all parts of the globe. Perhaps there is already a foreign-speaking population where you live.
16 Pages(4000 words)Essay
Goes around comes around
But quiet often they may fail in their attempt because of the immense external pressure from the family, society and environment they belong to. In
2 Pages(500 words)Essay
Into the Wild by Jon Krakauer

Jon Krakauer said and believed on the fact that people should not be greedy and live life with what they have got rather than repenting on what they don’t have. Christopher McCandless should be applauded for the way he lived his life in the woods. He was a man of his own words and lived his life on his own principles.

2 Pages(500 words)Essay
Pope Jon Paul II
The role he played in destroying communism and bringing dictatorship around the world to an end gained wide media coverage. His dialogue between different faiths was admirable. During his papacy that stretched
3 Pages(750 words)Essay
Sick around The World
The government of United Kingdom ensures every citizen has medical care and that all the medical professionals are paid (Swenson, 2011). Their system of funding ensures that hospitals do not learn out of finances due to unpaid bills. Japan, on the other
1 Pages(250 words)Admission/Application Essay
Let us find you another Essay on topic Sick Around America directed by Jon Palfreman for FREE!
Contact us:
+16312120006
Contact Us Now
FREE Mobile Apps:
  • About StudentShare
  • Testimonials
  • FAQ
  • Blog
  • Free Essays
  • New Essays
  • Essays
  • The Newest Essay Topics
  • Index samples by all dates
Join us:
Contact Us