Essay about Health Care Utilization

773 Words May 17th, 2014 4 Pages
Krista Hanna

HCS 235

Health Care Utilization

In the United States, Health care reform is designed to help make health care insurance affordable for Americans. Due to recent presidential elections, no one can seem to agree on a resolution to help promote platforms. In this paper it will discus ways health care reforms have expanded access to health care.
The Patient Care and Affordable Care Act was created and signed to ensure that Americans will have access to health care at an affordable cost as to control the constant rise of cost in health care. With this act it allows people to obtain insurance with pre-existing conditions as well as dependent coverage for people up to the age of 26. Meaning a child who is on their parents
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Insurances such as Social Security, Medicare, and Medicaid are health care insurances that have been put into place to help older American or even disabled Americans. This insurance are a main part of our health care because over half of Americans are disabled or over a certain age that qualifies them for Social Security or Medicare.
I personally haven’t gotten to experience Obama care or had to deal with it. I actually have never had insurance but with my new job I obtained, they provide me with insurance for a low cost each paycheck. I haven’t had to se it yet so I’m not sure how it works or how they justify out-of-pocket expenses or deductibles. I can say that I’ve seen firsthand how insurances are working. Patients who come in an have surgery have out-of-pocket pre pays on there surgeries and the lowest cost I’ve seen is $200.00 but nothing below that. Not only that once a person has surgery and the claim is sent to their insurance company they only pay a certain amount to the doctor before writing off the rest of the balance. Someone who has a $3000 dollar surgery the insurance may only pay for $1000 of it and will write off the rest or even a portion of it and make the patient pay the rest after they have already paid a pre-pay. I really don’t think it’s fair how Obama Care is making people obtain insurance; I haven’t had insurance my whole life and honestly didn’t have a problem with it. It didn’t…

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