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Example research essay topic: Health Care Reform Health Care System - 1,536 words

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Health Care The thesis statement is that reckless spending has created an unworkable unwieldy health care system that does not meet our healthcare or financial needs and that hard decisions must be made to reform healthcare. Send Hoyers position on healthcare reform starts with reckless spending, which is not just an accounting issue, but a moral issue (Grant & Lundberg, 2009). Our government must invest in health care. Hard decisions are needed to get our fiscal house in order and control spiraling costs. Today, the fiscal year 2009 deficit is $ 1. 7 trillion. We owe $ 11 trillion dollars with more than $ 3 trillion held by foreign lenders.

China, as of February 2009, held $ 744. 2 billion in U. S. debt. The easiest challenge is reforming Social Security, which is well and widely understood (Grant & Lundberg, 2009).

Healthcare benefits, medicare, is part of the social security package. Revenues from restraint of growth of benefits for higher-income workers can strengthen the safety net for lower-income workers. Retirement age has been raised with life expectancy significantly higher today. Reforming Social Security will take priority over reforming health care, but it is absolutely clear that health care reform is the central part of entitlement reform (Grant & Lundberg, 2009). The American health care system is the most expensive per-capita in the world, and is not buying us better health. The health care debate is about controlling costs and expanding access.

Congressmen Cooper and Wolf requested a Fiscal Future Commission composed of Congress members, the Administration, and experts outside the government to send proposed solutions to Congress for a vote, or this function can be handled by the President s Economic Recovery Advisory Board, chaired by Paul Volcker (Grant & Lundberg, 2009). The PBS (2009) documentary Change is Coming People bankrupted by medical bills need surgery and are asked, how are you going to pay? A baby born prematurely not even four pounds survived as a testimony to American health care, but the bills were terrifying. Two inches of bills close to million dollars. Microsoft in Redmond, Washington paid the bill, and Microsoft had good insurance.

Microsoft has employees from just out of college to senior citizens. Kaiser employees had a choice of two plans, a PPO or an HMO. An employees wife delivered premature twins at over a million dollars. Everyones premium increased 78 % (PBS, 2009). They had to switch insurance carriers. It was the only thing they could do.

An employer lays off 600 employees. Cobra benefits pay entire premium for 18 months, but as one employee knows the premiums were $ 700 plus per month. The underwriting section of the insurance company decides whether to turn down a potential customer to refuse to cover a treatment or ailment. People are turned down for overweight, acne, or children with chronic ear infections (PBS, 2009). A diabetic can get insurance coverage for $ 600 per month after an 18 month waiting period. Graduating students not covered on parents coverage after graduation.

Jennifer Thompson insured through husband, who died of cancer, received Cobra coverage for her three years. She then purchased an individual blue cross policy. She told them she had breast cancer in 1966, and they, the most recognized name in health care accepted her. The insurance companys legal department investigates anyone who files a huge medical bill (PBS, 2009). Blue cross rescinded her policy back to the inception and would not pay for a $ 160, 000 procedure, because she failed to disclose that she had been bleeding.

Spotting at her annual physical, all her tests, pap, exam, and mammogram fine. The company said she says she misrepresented her condition and rescinded her policy. Another rescinded policy was due to a question are you a mental patient? No, an antidepressant was prescribed after a death in the family. One option is to require companies to carry everyone guaranteed. Many states including Maryland dropped guaranteed issue because the premium is much higher (PBS, 2009).

Another option is requiring all companies to provide insurance and requiring everyone to buy it. The poor are subsidized. Monique White, 21 years old, diagnosed with lupus was no longer covered on her parents policy after she graduated with a degree in psychology (PBS, 2009). She could not afford the rapidly escalating medical costs. In 2006, she suffered pancreatitis and 26 operations to remove dead tissue, $ 900, 000. Tenncare sent a letter saying they made a mistake, and they should not have revoked her coverage.

She did not die from louis. She died from complications of a failing health care insurance industry. The insurance companies say if insurance is mandatory, the rates will come down. Massachusetts has a sliding scale of subsidies, but the average family pays more than twice their mortgage and three times their grocery bill monthly for health care monthly (PBS, 2009).

Additionally, the insurance companies offered that 24 % of every health care dollar goes on administrative paper work. If administrative costs are cut in half, they can offer reasonable cost health care (PBS, 2009). We currently have a 2. 2 trillion-dollar healthcare system with each one a partisan player. The goal is health care for all citizens. President Obama says people steal because they can. The Chicago Tribune reports that the swine flu outbreak is a reminder of the critical importance of health-care insurance reform (Opinion, 2009).

Having tens of millions of uninsured in the U. S. creates a ready environment for a pandemic to take hold. Probable cases of swine flu closed three schools in the Chicago area Wednesday, forcing educators across the region to begin closing their own doors (3 Chicago, 2009). The wave of closures came as President Barack Obama urged schools to play an active role in containing the flu virus. The number of confirmed cases of swine flu in Illinois soared to 225 on Wednesday (Confirmed, 2009).

Illinois rose to the top of the list of states with the flu. Kilmer Elementary School reopened on Chicago's Far North Side. Chicago Public Schools sent home 132 children who exhibited flu symptoms, reasonable in light of the system's 400, 000 students. Healthcare reform is major health policy creation or changes (Wikapedia, 2009). Governmental policy affects healthcare delivery. Healthcare reform to broaden the population that receives health care coverage, to improve access to health care specialists, to improve the quality of health care, and decrease the cost of health care.

United Kingdom reformed health care in 1948 with the creation of the National Health Service, part of a wider reform of social services funded by a system of National Insurance (Wikapedia, 2009). The Conservative Thatcher administration attempted to bring competition into the NHS, but the Labor Party opposed these changes. The Blair government retained elements of competition and extended it, allowing private health care providers to bid for NHS work. The government of Gordon Browns prevention is tackling issues that cause long term ill health, obesity, diabetes, and cardio-vascular disease (Wikapedia, 2009). The second reform is to make the NHS a more personal service with services evenings and weekends with regular health check-ups with more frequent screening. Doctors will give more advice on ill-health prevention, control their weight, diet, exercise more, cease smoking, etc.

In the United States, the debate over health care reform is about the right to health care. The mixed public-private health care system in the United States is the most expensive in the world with health care costing more per person than in any other nation, and a greater portion of gross domestic product (GDP) is spent on it than in any other United Nations member (Wikapedia, 2009). The U. S. is the only wealthy, industrialized nation that does not have a universal health care system, according to the Institute of Medicine of the National Academy of Sciences. The conclusion in support of the thesis that grand spending did not get us the best health care system.

The paper has identified alternatives, and demonstrates that people have died because they can not afford adequate healthcare and the problem is further restated here by the World Health Organization (WHO), in 2000, who ranked the US health care system 37 th in overall performance and 72 nd by overall level of health (among 191 member nations included in the study). International comparisons conclude the quality of the health care received by Americans is subject to debate (Wikapedia, 2009). The US lags in infant mortality and life expectancy. The conclusion is that a fundamental problem in evaluating reform proposals is the difficulty estimating the cost and potential impact of the healthcare insurance reform. Grant, K. & Lundberg, S. (2009). Hoyer Delivers Keynote Address on Entitlement and Health Care Reform?

Washington, D. C. : Majority Leader Press Health care reform retrieved on May 10, 2009 from web Opinion letter (2009). retrieved on May 10, 2009 from the Chicago Tribune web PBS (2009). Change is Coming was retrieved on May 10, 2009 from web america / view /. Swine flu: 3 Chicago-area schools close down over swine flu fears (2009). Retrieved on May 10, 2009 from web Swine flu: Confirmed cases jump to 225 in Illinois (2009).

Retrieved May 10, 2009 from web


Free research essays on topics related to: health care insurance, private health care, american health care, health care system, health care reform

Research essay sample on Health Care Reform Health Care System

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