Discussion: NURS 510 Health Care Coverage
Discussion: NURS 510 Health Care Coverage
DQ1 Discuss your position regarding access to and coverage for health care. Are we obligated to provide access to and coverage for health care for all Americans as an entitlement (a right), or should health care be considered a commodity that is subject to the influences of economic, social, and market demand (supply and demand)? Be sure to include the rationale for your position in your discussion.
What is health care coverage?
The Alberta Health Care Insurance Plan (AHCIP) provides eligible Alberta residents with full coverage for medically necessary physician services, and some dental and oral surgical health services. Your physician determines what insured services are considered medically necessary.
What Is Health Insurance?
Health insurance is a type of insurance coverage that typically pays for medical, surgical, prescription drug and sometimes dental expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages as a means of enticing quality employees, with premiums partially covered by the employer but often also deducted from employee paychecks. The cost of health insurance premiums is deductible to the payer, and the benefits received are tax-free, with certain exceptions for S Corporation Employees.
KEY TAKEAWAYS
Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured.
Choosing a health insurance plan can be tricky because of plan rules regarding in- and out-of-network services, deductibles, co-pays, and more.
Since 2010, the Affordable Care Act has prohibited insurance companies from denying coverage to patients with pre-existing conditions and has allowed children to remain on their parents’ insurance plan until they reached the age of 26.
Medicare and the Children’s Health Insurance Program (CHIP) are two public health insurance plans that target older individuals and children, respectively. Medicare also serves people with certain disabilities.
How Health Insurance Works
Health insurance can be tricky to navigate. Managed care insurance plans require policyholders to receive care from a network of designated healthcare providers for the highest level of coverage. If patients seek care outside the network, they must pay a higher percentage of the cost. In some cases, the insurance company may even refuse payment outright for services obtained out of network.
