Problem With State Policy and Related Medical

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Table of Contents

Introduction
Medical Coverage (A, B and C)
Policies on Reimbursements
Ethical Implications on Hospital-Acquired Infections
Challenges Organs Face and Recommended Step
Citizenry and Medical Rights
Conclusion
References

Introduction

Health care is an inevitable part of human life. There are many ways through which nations and individuals manage to ensure human beings access quality medical attention despite their financial states. As a result, there are various organizations that provide medical coverage against diseases and infections (Huba 2011). This allows their beneficiary to get quality and immediate medical services as soon as they need them. On the other hand, nations try to subsidize medical expenses to allow their citizens to afford quality services. This essay discusses two case s of Mrs. Zwick and Mr. Davis who have related medical, insurance and state policy issues.

Mrs. Zwick’s age is without doubt an issue of concern as far as health issues are concerned. The elderly populations usually face medical challenges as a result of their old age which experiences organ dysfunctions (Farmer 2006). Like other old people in case society, she needs proper medical attention due to the nature of, her age.

Medical Coverage (A, B and C)

The United , without doubt, offers a variety of medical coverage to all citizens who qualify for them. This depends with their age, occupation and physiology. In this case, Mrs. Zwick will receive Hospital and Medical Insurance covers that are stipulated under the Medicare Part A and B respectively (Farmer 2006). This cover benefits people who are above 65 years and getting Social Security benefits. The Hospital Insurance provides partial funds from the Social Security coffers while the Medical Insurance funds are obtained from the government of the United States courtesy of the Treasury. Therefore, Mrs. Zwick will have no problems as far as her hospital bill is concerned. The Medicare Part D covers prescribed drugs. This is a voluntary cover and anyone interested in it must apply and register to be a beneficiary. Beneficiaries pay monthly premiums depending on the plan an individual prefers. Mrs. Zwick will automatically qualify for the first and second parts of the plan. However, her qualification for the Part D benefits depends on whether she is a policy holder of this plan.

Policies on Reimbursements

These are policies that stipulate what options individuals have depending on the health care schemes and benefits they subscribe. They determine the eligibility of individuals to health care plans and benefits such people get by becoming members. However, Mrs. Zwick faces enormous challenges in reimbursing her medical benefits especially de to the hospital-acquired infection. The reimbursement policies have little covers for the elderly. In this case, Mrs. Zwick should consider taking Hospice attention that offers most elderly quality health care compared to conventional health care services. Her age disqualifies her from enjoying full medical coverage due to the high costs in treating the elderly. Moreover, it is better if she considers private medical insurers to provide her quality services rather than relying on the state.

Ethical Implications on Hospital-Acquired Infections

Health care facilities must provide quality services to patients and offer a healthy environment to them. However, Mrs. Zwick’s case seems a matter of poor hygienic conditions in the hospital. This will discourage patients from seeking medical help from this facility. Moreover, this puts its reputation at stake since it is odd to contract an infection from a health care facility.

Mr. Davis is among millions of people in the world who face significant challenges in terms of accessing quality, medical care services due to complications in insurance covers. The Consolidated Omnibus Budget Reconciliation Act of 1985 offers medical coverage to employees. This allows them to get medical benefits after they are relieved off their duty due to illness or unexpected events (Huba 2011). This scheme safeguards employees against unexpected job loss reduced working hours and ailments that lead to termination of duty. This policy ensures the beneficiary of various group insurance schemes benefit from their past investments whenever they encounter emergencies. Employers are required to enroll employees in groups of not less than twenty people in different medical schemes. This covers pools their risks associated with terminal illness, sudden job losses or decline in the job demand leading to reduced working hours. The act provides protection and covers to employees sacked without prior notice due to inevitable financial situations like inflation (Sen 2002). Therefore, Mr. Davis qualifies for the services and coverage provided and covered by the act. He was enrolled in a group medical insurance cover before he fell ill. However, due to prolonged illness there was no way he could have maintained his job while attending to his treatment. His chronic condition (sickle cell anemia) is without doubt one of the main ailments that require colossal finance to control them. He has survived with this condition since childhood and it seems the situation is becoming worse since he is not able to go to work. Even though, he had a group medical coverage while working, it is evident that the money saved and the policy taken is not sufficient to provide quality health services to him.

Challenges Organs Face and Recommended Step

Nations face various challenges in the attempt of effecting medical security covers to their citizens. Finance limits their ability to offer free medical services to citizens. All medical services including drugs and machines are expensive to acquire regardless of a country’s economy (Sen 2002). Ignorance limits citizens’ ability to seek other medical covers not covered by the state or employer. People find themselves at cross roads after exhausting their medical covers while undergoing treatment. In addition, some medical conditions are far too much expensive compared to policies individuals buy from insurance companies. Moreover, most of them experience other serious infections while growing up necessitating the need to have speacialized treatment. Governments should allocate more funds to provide quality health care services to their citizens. People should take as many medical covers as possible to ensure they cover all uncertainties in their lives. The government should educate citizens on the advantages of taking medical insurance covers.

Citizenry and Medical Rights

Even though, Mr. Davis experiences frustrations regarding the provision of medical covers in the United States of America he should note that these services are among the best in the world (Fried 2008). He should consider taking additional medical insurance covers and not migrating to other countries. He should know that there is no single medical cover that will safeguard all his medical needs.

Conclusion

Medical insurance covers exist to help people meet their medical bills and access quality, medical services regardless of their present financial conditions or age. People should enroll in different medical policies available to them to ensure they safeguard their health and those of their families while working and during retirement. In addition, they should stop relying on their governments as sole providers of health care services.

References

Farmer, P. (2006). Reproducing Inequities: Poverty and the Politics of Population in Haiti. New Jersey: Rutgers University Press.

Fried, L. (2008). Crafting State Health Policies to Cover the Uninsured: Policy Studies Journal. New York: Wiley Publishers.

Huba, S. (2011). Cover Me: A Health Insurance Memoir. Nebraska: University of Nebraska Press.

Sen, G. (2002). Engendering International Health: The Challenge of Equity. Massachusetts: The MIT Press.

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