The Pros And Cons Of Medical Debt
She now has to “enter the hospital as a ‘self-pay’ patient, [and] incur bills four times higher than an insured patient would,” (par. 7). This supports the idea that the health care system is commercialized and just out for financial gain, making insurance so hard to get, making uninsured people pay more. Ehrenreich continues with many facts: “Martin Bushman… had run up a $579 debt to Carle Hospital in Champaign-Urbana. When he failed to appear for a court hearing on his debt… he was arrested and hit with $2,500 bail.”
Hello, Professor Gray, The lost loan repayment plan would have a positive impact on the taxpayers by working with your loan servicer to choose a federal student loan repayment plan to make loan payments more fordable giving the loaner more time to repay their loans based on their income. Student loan debt is referred to as installment debt, which means you have fixed payments for a specific period of time. The interest you pay on your student loans is tax deductible that would put additional funds that could be used to purchase items that would increase spending with will help build the
In the Declaration of Independence, it lists the right that Americans and health care did not include but it should be. When in grade school, you learn about the three things that are essential living: food, water, and shelter. And none of these essentials fix in the category of being a right. Americans should not be afraid that if they lose their jobs or get another job then they will lose their health insurances. The poorest people are unable to pay payment that comes from hospital services, or even just a basic check-up.
Sometimes, if the lower income family does have insurance, it does not cover the evaluations and they are very expensive for out of pocket payment. Currently, in some states there are very limited options for people who have Medicaid for their primary insurance. If a psychologist does take Medicaid, the waiting list can be months, even years. It has been established that if a state has better reimbursement schedules, then treatment is more readily available. With the opposite being true with lower reimbursement rates (Thomas, Parish, Rose, & Kilany, 2012).
Nor do all citizens believe in going to the doctor and taking medicine. They are also fined if you do not pay the outrageous prices of the premiums that will only continue to rise up to even more ridiculous prices costing the well off community even more money. “This act is making price for cost of coverage blow up to bigger numbers. This will raise premiums for everyone” (Suderman). The Affordable care act and obamacare are forcing the American citizens to pay for something they already can
22 million. 22 million is the number of Americans who would not have had health insurance if it were not for Obamacare. That is around 4 times the number of people living in Singapore. Whether it be a cancer patient, or an employee working 30 hours a week, they may not have been insured. Obamacare, or the Affordable Care Act (ACA), is a health care act implemented in the US law, which was passed in 2010.
The national debt is growing by the second. The United States is 20 trillion dollars in debt. The largest portion of the debt is money that the government owes itself, borrowed from Medicare and social security. Debt is different from the deficit, deficit when the government plans to spend more than they have yearly counted. Debt is the accumulation of deficit.
Healthcare in the United States is in desperate need of reform. There are several rationales to further explain this proposition. As an illustration, the Declaration of Independence states our unalienable rights: life, liberty and the pursuit of happiness. In other words, every individual should be entitled to healthcare as it preserves life and promotes the general welfare. The federal government should, therefore, enact a program of universal health to better protect and serve all of its citizens.
The lack of financial resources can be a big problem to access to health care. The lack of available finance is a barrier to health care for many Americans but access to health care is reduced most among minority populations. The irregular source of care is another reason why access to health is a disparity. Compared to white individuals ethnic or racial minorities are less likely to be able to visit the same doctor on a regular basis and tend to rely more on clinics and emergency rooms (News Medical Life Sciences). 5.
46.8 million Americans were reported as uninsured in 2013, which equivocates to one sixth of the population. Those without insurance have revealed that they risk “more problems getting care, are diagnosed at later disease stages, and get less therapeutic care” (National Health Care Disparities Report) and those insured risk losing their insurance. Inadequately covered citizens are often working-class individuals who simply cannot receive insurance due to uncontrollable inconveniences and therefore jeopardize having medical coverage. In these instances, Americans have a chance of being diagnosed with diseases that they had no opportunity to prevent or could not diagnose them at an early stage of the illness. Patients have suffered unnecessarily due to lack of health care, and “18,000 Americans die every year because they don't have health insurance” (PNHP).
The people in America deserves that right to have health care. Insurance based health care should be taken away because not everyone is able to afford the premiums. Health care now states that basically that if you have no health care than you are not able to get any check ups. How can you feel if you can 't afford insurance and you have to make a choice?Some people cannot even afford food on the table so how can they afford insurance?I do not believe that people should not be financially responsible for getting help when they need it the most.
Student loans have always seem to be a controversial topic. Many people are in agreement and disagreement over the opportunity to student loans. Student loans can be a great advantage to many students, but it can also drown them in an immense debt, that will follow them for many years. The more we analyze this perspective, we are able to distinguish the advantages and disadvantages of student loans. There is a variety of perspectives on student loans, some involving annual salaries, interest rates, and commodity.
Health care cost has seen to increase gradually as years go by. This has been influenced by major factors such as political influence, emerging chronic diseases, new procedures that are coming up including the technologies being invented for treating illnesses, pricing of medicines and treatment is not regulated and when treating ailment their may arise repetition of tests or a patient gets over treated for a particular ailment. The cost of healthcare has increased due to chronic diseases such as cancer and diabetes etc. The lifestyle people are living in this generation has led to the development of diseases that are expensive to treat or has led to there being over treatment in such for a cure of a particular ailment.
Healthcare is something everyone needs and should be able to get, but right now that is not happening. In America there are millions of people who don’t have healthcare insurance. This is because some can’t afford the insurance plan. There are also millions more who have health insurance, but can’t afford using it. This means that they are paying for an insurance plan, but the deductibles are so high they can’t afford to go to the doctor.
Healthcare. We all need it, but we don't all have it, and because of that simple fact, we are one of the sickest countries in the industrial world. Our life expectancy for the first time ever is going down, not up. We have the highest maternal mortality rates in the industrial world. And the worst outcomes per cost anywhere.
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