Insurance Essays (Examples)
Study Document
US Healthcare Reimbursement And Insurance Issues
HealthCare Insurance and Reimbursement
Medical Insurance Products and Services
Health and medical insurance represent an insurance coverage form that disburses operation and clinical treatment expenditure incurred by those insured. Such insurance may either reimburse insured individuals for the money they put into treatment for injuries or disease or may directly pay care practitioners. It … corporate structures in different nations, high-income nations currently witness an almost undisputed dedication to guaranteeing universal healthcare access to their citizens. Globally, healthcare insurance coverage attempts at improving health service utilization as well as safeguarding families against destitution due to out-of-pocket expenses (Ho, 2015).
Managed healthcare insurance plans represent a substitute for conventional healthcare plans, such as paid service plans. Over the last few decades, such schemes have grown into … substitute for conventional healthcare plans, such as paid service plans. Over the last few decades, such schemes have grown into a widely-chosen health insurance……
References
References
Araujo, M. (2020). Health and medical insurance differences: HMO, PPO, POS, EPO. Retrieved from https://www.thebalance.com/health-and-medical-insurance-2645378
Bertram, M. Y., Lauer, J. A., De Joncheere, K. D., Edejer, T., Hutubessy, R., Kieny, M. P., & Hill, S. R. (2016). Cost-effectiveness thresholds: pros and cons. Bull World Health Organ, 94, 925–930. http://dx.doi.org/10.2471/BLT.15.164418926
Dey, P., & Bach, P. B. (2019). The 6 functions of health insurance. The JAMA Forum, 321(13), 1242-1243. DOI:10.1001/jama.2019.2320
Ho, A. (2015). Health insurance. Encyclopedia of Global Bioethics. Retrieved from https://www.researchgate.net/publication/298022702_Health_Insurance
IMedPub. (2020). Health insurance. Retrieved from https://www.imedpub.com/scholarly/health-insurance-journals-articles-ppts-list.php
Maruthappu, M., Hasan, A., & Zeltner, T. (2016). Enablers and barriers in implementing integrated care. Health System & Reform, 1(4), 250-256. https://doi.org/10.1080/23288604.2015.1077301
Sekhri, N. (2000). Managed care: The US experience. Bulletin of the World Health Organization, 78(6), 830-844. Retrieved from https://www.who.int/bulletin/archives/78(6)830.pdf
Strata Decision Technology. (2020). Healthcare and hospital capital budget. Retrieved from https://www.stratadecision.com/healthcare-and-hospital-capital-budget/
Study Document
Risk Management And Insurance
… self against death. They do not follow the application of the law of large numbers as the law is traditionally utilized in life insurance. It has, therefore, been referred to as “upside-down life insurance.” When an annuitant passes away during the period of accumulation, their beneficiaries are paid a death benefit. The common treatment of annuities is … determined by dividing the current securities value accumulated by a client by the outstanding number of accumulation units.
Q4
Just like in life insurance, annuities’ earned investment income during the period of accumulation is not taxable. Taxation happens only when the income is disbursed. The disbursed amount … disability during the life of the contract.
Q5
In the case of the joint and last-survivor annuity, the contract is such that the insurance company makes payments until the death of the two annuitants. This makes the contract attractive to retired married couples.……
References
References
Vaughan, E. J., & Vaughan, T. (2007). Fundamentals of risk and insurance. John Wiley & Sons.
Study Document
Globalization Of Insurance
While the U.S. enjoys the largest insurance market, U.S. companies no longer own the majority of the insurance market share in the country. Foreign companies do with 74% (Vaughan & Vaughan, 2013). This goes to show the extent to which foreign … Foreign companies do with 74% (Vaughan & Vaughan, 2013). This goes to show the extent to which foreign companies have grown in the insurance industry thanks to the globalization of insurance but also to the spread of wealth throughout the world. Insurance companies and finance go together as the former depends upon the latter for return on investment (ROI). Part of the problem with the … finance go together as the former depends upon the latter for return on investment (ROI). Part of the problem with the globalization of insurance is that everything has been globalized—right down to investable markets. Since 2008, central banks around the world have……
References
References
Egan, M. (2018). Tax cut triggers $437 billion explosion of stock buybacks. Retrieved from https://money.cnn.com/2018/07/10/investing/stock-buybacks-record-tax-cuts/index.html
Flegm, E. H. (2008). The Need for Reliability in Accounting. Why historical cost is more reliable than fair value. Journal of Accountancy, 205(5), 34.
Healy, P. M., Palepu, K., & Serafeim, G. (2009). Subprime Crisis and Fair-Value Accounting. HBS Case, (109-031).
Laux, C., & Leuz, C. (2010). Did fair-value accounting contribute to the financial crisis?. Journal of economic perspectives, 24(1), 93-118.
Light, L. (2019). More than Half of All Stock Buybacks are Now Financed by Debt. Here’s Why That’s a Problem. Retrieved from https://fortune.com/2019/08/20/stock-buybacks-debt-financed/
Reda, J. (2018). How Stock Buybacks Can Affect Executive Compensation. Retrieved from http://clsbluesky.law.columbia.edu/2018/08/03/how-stock-buybacks-can-affect-executive-compensation/
Young, M. R., (2008). Both sides make good points. Journal of Accountancy, 205(5), 34.
Vaughan, E. J., & Vaughan T. M., (2013). Fundamentals of Risk and Insurance, 11th Edition.
Study Document
Wells Fargo Collateral Protection Insurance Scandal
Wells Fargo Scandal
The Wells Fargo Collateral Protection Insurance (CPI) Scandal occurred as a result of the banking firm placing CPI on accounts even though the account holders did not ask for ……
References
References
Forsyth, D. R., & O’Boyle Jr, E. H. (2011). Rules, standards, and ethics: Relativism predicts cross-national differences in the codification of moral standards. International Business Review, 20(3), 353-361.
Goodpaster, K. (1983). Ethical frameworks for management. HBS.
Horowitz, D. (2011, May). We need a \\\\\\"moral operating system\\\\\\" Retrieved from https://www.ted.com/talks/damon_horowitz (Links to an external site.)
Top Class Actions. (2019). The settlement is closed. Retrieved from https://topclassactions.com/lawsuit-settlements/closed-settlements/917069-wells-fargo-auto-loan-insurance-class-action-settlement/
Study Document
Health Care Reform
… healthcare provision is boosting the benefits that come with it. This system component was changed by the Affordable Healthcare Act. The act directed insurance companies to provide clients with the basic benefits of healthcare. Effectively, insurance is required to chip in for such health aspects…[break]…will encourage notable improvements in the type of care that colored people receive. It helps ……
References
Bibliography
Barrett, S., & Hammond, J. (2009, September 20). Key Elements of Healthcare Reform. Retrieved from Insurance Reform Watch: https://www.insurancereformwatch.org/basic/key.shtml
Nikolai. (2019, November 20). Healthcare Reform: What It Is and Why We Need It. Retrieved from National Institute of Health Policy: https://www.nihp.org/healthcare-reform-what-it-is-and-why-we-need-it/
Study Document
Single Payer Or Universal Health Care
… largely set up for private enterprise, and a shift towards nationalizing care would be jarring; a shift towards single payer simply replaces private insurance with public insurance.
Most single payer systems deliver health care at a lower cost, and higher effectiveness, than the current system in the United States. They ……
References
References
Christopher, A. (2016) Single payer healthcare: Pluses, minuses, and what it means for you. Harvard Health Publishing. Retrieved April 7, 2019 from https://www.health.harvard.edu/blog/single-payer-healthcare-pluses-minuses-means-201606279835
Ivers, N., Brown, A., Detsky, A. (2018) Lessons from the Canadian experience with single-payer health insurance. JAMA Internal Medicine Vol. 178 (9) 1250-1255.
PNHP (2019) About single payer. Physicians for a National Health Program. Retrieved April 7, 2019 from https://pnhp.org/what-is-single-payer/
Study Document
COVID 19 In South Africa Nigeria And Swaziland
...Insurance Literature Review on Coping Through The Use Of Informal Institutions during COVID 19 in South Africa, Nigeria, and Swaziland
The institutional theory deals with the outlines, regulations, standards, and procedures that are formulated in the institutions as commanding instructions for social behavior. This theory gives an understanding of how institutions are shaped, and the societal norms and frameworks are informed to all people of an organization. Communication is the sole indicator of how organizations are formulated with the help of formal rules and regulations, as that would reflect how they are conversed across all levels of the firm and in what way people are obeying them. This would ultimately build an organizational culture for coping with social and political issues. The informal institutions are socially shared instructions, typically unwritten, that are formed, transferred and imposed outside the official boundaries (Torniainen & Sasstamoinen, 2007), for example, giving tips to the food……
References
References
Coelho, A. (2019). The role of informal institutions in the enforcement of rules and how to improve corporate and public governance in Brazil: Studies based on a set of corporate governance cases involving state-owned companies (Working Paper). Retrieved from SSRN website https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3434037
Dacin, M.T., Goodstein, J. & Scott, W.R. (2002). Institutional theory and institutional change: Introduction to the special research forum. Academy of Management Journal, 45(1), 45- 47. DOI: 10.2307/3069284
Escandon-Barbosa, D.M., Urbano, D., Hurtado-Ayala, A., Paramo, J.S. & Dominguez, A.Z. (2019). Formal institutions, informal institutions, and entrepreneurial activity: A comparative relationship between rural and urban areas in Colombia. Journal of Urban Management, 8(3), 458-471. https://doi.org/10.1016/j.jum.2019.06.002
Estrin, S. & Prevezer, M. (2010). The role of informal institutions in corporate governance: Brazil, Russia, India, and China compared. Asia Pacific Journal of Management, 28, 41- 67. https://doi.org/10.1007/s10490-010-9229-1
Kaufmann, W., Hooghiemstra, R. & Feeney, M.K. (2018). Formal institutions, informal institutions, and red tape: A comparative study. Public Administration, 96(2), 386-403. https://doi.org/10.1111/padm.12397
Meluch, A.L. (2016, August). Understanding the organizational and institutional origins of social support in a cancer support center. (Unpublished doctoral dissertation). Retrieved from https://etd.ohiolink.edu/!etd.send_file?accession=kent1466944822&disposition=inline
Torniainen, T.J. & Sasstamoinen, O.J. (2007). Formal and informal institutions and their hierarchy in the regulation of the forest lease in Russia. Forestry: An International Journal of Forest Research, 80(5), 489-501. https://doi.org/10.1093/forestry/cpm033
Study Document
Veteran Benefits Administration
… include compensation and pension pay, rehabilitation assistance, support with finding employment, assistance with furthering educational opportunities, obtaining a home loan, and obtaining life insurance. The VBA was set up to facilitate the VA in its mission to care for soldiers and the families of soldiers—to do right … and in exchange the U.S. government ensures that each solder is taken care of upon returning to civilian life; 2) it provides compensation, insurance and other benefits to veterans; 3) it supports them in pursuing educational opportunities; 4) assists them in finding employment, and 5) helps them … service is paid out; this includes disability payments, burial benefits, as well as a fiduciary program for survivors.
Third, the VBA provides life insurance programs so that veterans and their families can have peace of mind about their financial security.
Fourth, the VBA provides the tools for ……
References
References
Cohen, S. (2019). Disband the Veterans Administration. Retrieved from https://www.city-journal.org/veterans-administration-benefits
Faurer, J., Rogers-Brodersen, A., & Bailie, P. (2014). Managing the re-employment of military veterans through the Transition Assistance Program (TAP). Journal of Business & Economics Research (Online), 12(1), 55.
Hazle, M., Wilcox, S. L., & Hassan, A. M. (2012). Helping veterans and their families fight on!. Advances in Social Work, 13(1), 229-242.
Panangala, S. (2018). Department of Veterans Affairs FY2018 Appropriations. Retrieved from https://fas.org/sgp/crs/misc/R45047.pdf
U.S. Department of Veterans Affairs. (2014). Retrieved from https://www.benefits.va.gov/BENEFITS/about.asp
VBA. (2019). Retrieved from https://www.benefits.va.gov/benefits/
Study Document
Electronic Health Records EHR
...Insurance Introduction
An electronic health record (EHR) is a person's authentic health record that is shared among various agencies and offices (Hasanain, 2014). The role of EHRs is getting to be expanding persuasive as progressively tolerant data winds up computerized and bigger quantities of customers express a need to have portable access to their health records. It is an electronic form of a patient's paper record. EHRs offer the upside of making data about patient consideration accessible, in a protected way, to numerous approved clients (Kierkegaard, 2019). In spite of the fact that EHRs change in content and usefulness, they are regularly intended to incorporate the therapeutic and treatment accounts of the patient, just as the patient's findings, meds, vaccination dates, radiology pictures, and lab and test results, among other data. EHRs can possibly coordinate data from various sources and give a progressively thorough perspective on patient consideration despite the fact……
References
References
Gagnon, D., Simonyan, E.K., Ghandour, G., Godin, M., Labrecque, M., Ouimet, M.R. (2016). Factors influencing electronic health record adoption by physicians: A multilevel analysis, Int J Inform Manage, 36, pp. 258-270.
Hasanain, H. (2014). Cooper Solutions to overcome technical and social barriers to electronic health records implementation in Saudi public and private hospitals, J Health Inform Dev Ctries, pp. 46-63.
Kierkegaard, P. (2019). Electronic health record: Wiring Europe\\\\'s healthcare: Computer Law & Security Review. 27 (5): 503–515.
Murphys, E.V., & Yale, J. (2014). Clinical decision support: effectiveness in improving quality processes and clinical outcomes and factors that may influence success. Biol Med; 87, pp. 187–97.
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