HSM541 Course Discussions Week 3

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HSM541 Course Discussions Week 3
It is estimated that there are 48 million Americans with no health insurance. What are the…

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HSM541 Course Discussions Week 3

HSM541 Course Discussions Week 3

All Students Posts 50 Pages

Private Insurance – 27 Pages 

Let’s consider the general concept of insurance. How does health insurance differ from other kinds of insurance? What are the similarities and differences between them?  Next, let’s consider some of the issues that employers face in providing health insurance to their employees. Why has the cost of employer-sponsored health plans increased significantly over the last 5 years?

We buy insurance from an insurance company to protect against individual loss. But  how does the insurance company protect itself against loss? Why Reinsurance of course:-) What is reinsurance?  What is self-insurance and how does stop-loss insurance coverage apply? Should health care be more of a “right”? Why do many folks think that health insurance should be more of a “right”?  What might be an argument based on this section that healthcare is a right under the Constitution?…

The Uninsured – 23 Pages

It is estimated that there are 48 million Americans with no health insurance. What are the demographics of the uninsured population? Who makes up this population, and what are the factors that contribute to being uninsured? What strategies can be adopted at the local, state, and federal levels to overcome the problem of uninsured Americans?

Often private insurance comes up short in meeting the needs of Americans with special needs or of lesser means. Private insurance may be too expensive, or may have too many restrictions, to serve the needs of low income or disabled persons. For this reason, government sponsored social insurance programs have been created. Let’s discuss some of these publicly funded programs?  Do you know how your state’s Medicaid program works? Is a Single Payer National Health Insurance Plan the answer?…