This website uses cookies to ensure you have the best experience. Learn more

Dysfunctional Medical Insurance Essay

1258 words - 5 pages

Dysfunctional Medical Insurance

A mom is waiting frantically in the local emergency room while her little girl continues to cry with pain. An hour goes by without any news as to when she will finally be treated. At last, their number gets called and they go over to the registration desk. The lady behind the desk opens their file and shakes her head in disbelief as she turns to look at yet another mother with remorse. She continues to tell the mother that the hospital has refused to provide medical attention to her little girl due to insurance problems. This scenario is sadly very common in the lower class families with little or no insurance coverage, in fact “20% of the U.S. population lacks medical coverage” (Richman). While the initial idea of medical insurance seems more beneficial than not, the current health insurance situation has caused many negative repercussions for both the patients and the physicians. Some of these disadvantages include: denial of health care, compromised medical attention, astronomical billings, privacy issues, discriminatory plans, and even possible risks of fraud.

The original idea of medical insurance should have been a noble way to help Americans afford medical bills in a case of an emergency or just routine physicals and check-ups. A lot of Americans coming from different financial situations could not afford the emergency or even the customary treatments and would therefore go without medical attention. This obviously had dire consequences on the patients’ health, thus forcing the need of an alternative option. “Fortunately, a handful of physicians associated with Sacramento's Sutter General Hospital saw beyond the despair. Seeing a need for an alternative health care financing vehicle in the early 1930s, the doctors created the first open enrollment hospital insurance plan in the United States” (Sutter Health). As originally planned, this new medical insurance proposed benefits to both the doctors and the patients; patients could afford to be treated, while doctors could see more patients-even of the lower income class. Somehow—between then and now, the plan has been twisted and turned around so much that it has lost some of its greatest benefits and reputation. Because of the numerous loop holes in the current insurance plan, I believe that right now the drawbacks and disadvantages are overshadowing the benefits.

By making this plan for insurance on human health, the insurance agencies are making trillions upon trillions of dollars on people who would usually skip going to the doctor for a common cold. Initially, the insurance policies were made to help in emergency situations for people who had a broken a leg, or had to have major surgery and could not afford the price of high-technology treatment. The insurance would have made the customer pay about fifty dollars a month out of they’re hard-earned money whether they were going to use it or not, for medical treatment. Still, the...

Find Another Essay On Dysfunctional Medical Insurance

Marijuana is a Social Problem Essay

1218 words - 5 pages the costs to society are innumerable. The effects can be felt in the rising of health care to increased insurance premiums. As the number of marijuana users increase, the number seeking medical attention also increases. In addition, being treated for various illnesses caused by marijuana abuse, results in missed days at work. Productivity levels fall not only because of absenteeism, but also as a result of impaired abilities. Workers under the

U.S. Health Care System Essay

1817 words - 7 pages health care system if the economy remains in recession (American Medical Association, 2005). In March 2010 the Affordable Care Act (ACA) was signed and supposed to increase quality and affordability of health insurance while reducing costs of health care for individuals and government but still is difficult to estimate if this act is going to bring real changes in health care field (Cembranelli, 2012).Another force affecting health care system in

School Shootings - Failures of Welfare Society

2513 words - 10 pages children are not getting any treatment as some of their insurance plan does not have full coverage on them. Another occurrence took place on Febuary 27th, 2012 at Chardon High School, Ohio where a seventeen year old teenager named T.J Lane opened fire in the cafeteria in the school and seriously killed two students. He was sent for the mental illness exam which concludes that he experienced Migrane headaches and was suffering from Psychosis (out

Reform Healthcare in America to a Socialized Model

3461 words - 14 pages specific program details spanning from complete government operation of medical facilities to nothing more than a national health insurance plan. A socialized healthcare plan in the U.S. could be designed to allow people their personal choice of physicians and hospitals and make quality healthcare affordable for everyone without overbearing government involvement. Some Americans seem to expect the quality of their healthcare to decrease and fear

The American Dream Exposed in Sicko, by Michael Moore

1953 words - 8 pages use the cost-cutting initiatives that give bonuses to insurance company medical reviewers and adjusters to find reasons to deny the most possible claim and to reduce the payment for the company to avoid meeting the cost of medically necessary treatments for policy holders, and thus increase company profitability. The objective of the insurance companies is just to pursue any possibilities to earn money, and leave the people who are sick has no

How Crime and Deviance Can Be Seen As Functional for Society

2147 words - 9 pages Division of Labour[2]. In those works, Durkheim argued that crime and deviance is “an integral part of all healthy societies”. He reasoned that crime and deviance are not only inevitable, but also functional for society and that they will only be considered dysfunctional when they reach abnormally high or low levels. His theory of functionalism rooted from his amazement with how society was able to keep itself intact

Underage Drinking

2882 words - 12 pages becomes a social problem because of society. We, the people, have used it too much and the problems stem from our abuse of alcohol. Alcohol is easy to find and consume and becoming addicted to it can happen to anyone.Alcohol abuse is universal. It has no social class, no stereotypes; it is not racially motivated and is not limited to any age group. The fact that alcohol is addictive and can cause medical problems is no secret.Alcoholism also

underage drinking

2882 words - 12 pages becomes a social problem because of society. We, the people, have used it too much and the problems stem from our abuse of alcohol. Alcohol is easy to find and consume and becoming addicted to it can happen to anyone.Alcohol abuse is universal. It has no social class, no stereotypes; it is not racially motivated and is not limited to any age group. The fact that alcohol is addictive and can cause medical problems is no secret.Alcoholism also

Family Assessment and Nursing Process

5109 words - 20 pages they have been. Until recently, the family had what they described as "catastrophic" medical insurance. The mother and father are both independent contractors and do not have insurance through their place of employment. Their insurance policy carried a $1,500 deductible. This high deductible deterred the family from visiting the doctor for regular check-ups. The Listo family falls under the umbrella of "underinsured" which has prevented them from

Same-Sex Marriage

1117 words - 4 pages where all individuals have equal rights then how can prohibiting same sex-marriage be allowed? By denying homosexual couples the right to marriage they are excluded from legal benefits such as access to a spouse?s medical, life and disability insurance, workers? compensation survivor benefits, spousal benefits under annuity and retirement plans, the right to refuse to testify against one?s spouse, retain custody of children, and many others. The

Overview of Antisocial Personality Disorder

1234 words - 5 pages and dysfunctional, affecting their positive and harmless interaction with others. Besides, those with antisocial personality disorder have the tendency to provoke, to manipulate, or to treat others bitterly or with complete indifference. They may have the tendency to broke the law, or get in frequent trouble, without any type of regret. Also, they probably have the tendency to give false testimonies, to be violent, to be impulsive, and to have

Similar Essays

Sicko By Michael Moore: Disfunctional Health Care

850 words - 4 pages did me leave in a nation of me not we? I have a goose bump watching this documentary when a woman whose husband was denied a kidney operation that could have saved his life and others who needed medical attention but were denied of it. According to the institute of Medicine, stated that lack of health insurance causes roughly 18,000 of Americans death unnecessary every year in the United State but I thought United State leads the world in

Universal Health Care: Obama Care Is Not Enough

1365 words - 5 pages , without leaving millions of people uninsured. Something is amiss when Americans cannot afford health insurance to offset high medical costs for a health system that does not rank in the top ten globally. In effect, the US is overpaying and receiving less in return. The ACA is the first attempt to correct a dysfunctional system. The US healthcare system will require massive changes to attain the same level of healthcare provided in France

Healthcare Is A Fundamental Right Essay

1435 words - 6 pages of devising a system that all of its individuals can be are covered with healthcare. The cost of insurance premiums are not affordable to many of our citizens and of course there are some people who just do not want to pay for it, so a public option might be a step in overhauling the dysfunctional healthcare system that is currently available. As for the argument that hospitals must treat all patients, for the most part this is basically true

Obamacare's Killing Of Americans Essay

1266 words - 6 pages to part-time status, businesses will increasingly place employees on the exchanges. This will soon be followed by elimination altogether of company-paid health insurance. • Another catastrophe awaiting unsuspecting taxpayers is the inevitability of insurance company bailouts. Obama will, of course, blame the failure of his Marxist ploy on these companies and tell us he is only looking out for us when he steals more from working Americans to