Education reform

The EpiPen, a device which gives a shot of adrenaline to victims of anaphylaxis, has saved countless lives in our world. However, the price has spiked 400% due to Mylan, a pharmaceutical company, having a monopoly on the drug. This means a family would have to pay $500 or more to have a dollars’ worth of a lifesaving drug (Willingham). The insanely high price of an EpiPen also extends to other spectrums of the pharmaceutical industry. This may sound like the classic ideology of capitalism, but…

Today, the majority of the population does not fully understand the way medical insurance works. Unless you are in the business yourself, it can get pretty confusing at times. Similarly, seniors tend to feel overwhelmed when it comes to figuring out how they will be covered for any medical expenses they might incur. It's no secret that Medicare is the first obvious option, but what happens after Medicare pays its 80%? There are two options available - one can either pay the remaining 20%…

Observing the entity as a whole, it is easy to identify that each level has a significant impact on one another, meaning that team work is vital to optimal care. If senior management hires under skilled managed care professionals, patients will not be provided correct estimates of services or may not be referred to specialists as needed. Cost estimates are extremely crucial in ensuring a patients do not receive therapies or surgeries that do not have a positive cost benefit. For example, a…

who would be affected would be those who are working for companies with at least 50 employees and work more than 30 hours a week. Obamacare has had the largest impact on the individual market, which was largely unregulated prior to the healthcare reform law. It sought to make health insurance more accessible and affordable in a number of ways. It required insurers to cover people with pre-existing condition and banned them from charging the sick more. It mandated that individual insurance cover…

Professor and Class, Over the years, insurance companies continue to increase their premiums as soon as they discovered that people were living longer. This is one of the reasons why the government had to take a stance because insurance companies refused to pay for pre-existing health conditions and would drop your dependent child/children from your health insurance. Now these are a thing of the past. Everyone loves this and it is a fact. Today, this is the opposite. The Affordable Care Act…

The bipartisan push for health care in America posits the current Administration to address this matter without a complete dismantlement of the current system. According to, What’s Next for Progressives by Paul Krugman, the Dutch have constructed a universal healthcare system that requires citizens to purchase coverage from regulated insurance providers, yet there are subsidies to assist with purchasing health care; in understanding this, the Affordable Care Act (A.C.A.) if done in a…

When some people think about life insurance, they think about it being a necessity for older adults. However, if you are a younger adult, you might not really think that you need to buy life insurance right now. Even though a lot of people wait until they are older before they buy life insurance coverage, it can actually be a good thing to purchase as a younger adult. Here's why. 1. Qualify for More Policies First of all, you should know that not everyone can buy every policy. Some companies…

Consequently, many have an individual choice of several insurances based on the premise of risk based decisions made variable increases from within the health care market insurance plans and the lack of choice that are provided to them from employers and through Obamacare. The rise and fall of the government issued health care insurance has since being initiated have cause many insurance companies to back out of services and allow an increase in premiums to all that are enrolled within this…

When it comes to insurance some may find it a Moral hazard, this is due to it insurance being misunderstood or misrepresented. One of the top reasons is the premium cost of the insurance, second, some may feel they do not need insurance especially if they are healthy and only need to go to the doctor once a year. Many would also argue that health insurance itself is a moral hazard since it reduces the risks of pursuing an unhealthy lifestyle or other risky behavior. Adverse selection defines as…

When it comes to health insurance of any kind, finding affordable options is a top priority for many individuals. This is true, of course, when it comes to dental insurance. Because many health plans offered by employers do not cover dental work, many people have to search for cheap dental health insurance that they have to obtain and pay for on their own. The good news is that there are some very good options out there, if you know where to look. Below is a list of options that you many not…