Healthcare and affordable healthcare, at that, is important to everyone. Healthcare insurance, as a system, has to be doable, for the healthcare provider as well as the member. The benefits offered must provide adequate medical coverage to the member, and must be affordable and also available, without the problem of pre-existing condition requirements.
Benefits must, also provide an adequate range of services within the local, state, and national guidelines for the particular plan offered. They must be affordable, and yet inclusive enough, to service the needs of its members, and they should be flexible. Healthcare insurance is a commodity, that must be made available to all American citizens, irregardless of age, economic status, locality or previous medical conditions.
The recent healthcare legislation passed by Congress, and introduced by, President Obama's administration, has, for the first time offered most Americans, employed, and unemployed a chance to get adequate healthcare benefits at affordable premiums. They can save money by choosing a higher deductible, thereby, lowering monthly premiums. States not offering certain benefits, can allow the insured to build a coverage package, normally called a plan that works within the insured's guidelines, and needs.
I am not certain which Southern East coast states offer limited benefits coverage in some instances, I will be writing an updated article,' after doing more research on this topic, Limited Coverage, or No Coverage in Some States.
What does constitute ethical healthcare benefit coverage opportunities?
I would venture to say:
* Benefits that are available under conditions that are opened to most potential members
* No restrictions as to number of members, for example, group coverage as relates to small business, self-employed, group employee benefits coverage, requirements.
* No pre-existing condition requirements, causing a block as far as potential members being approved for benefit coverage.
* Healthcare benefits offered at an affordable cost all American citizens.
Other Options Available Within the Healthcare Industry
The great vanguard: opportunity, being at the right place, right time, a chance of a lifetime idea offered to those wishing to locate a niche in today's economy, for persons really wanting to offer a worthwhile service to all, is answered --- by becoming involved in the 'Healthcare Industry'.
Becoming involved in a self-employment venture which promotes and refers, others to providers (businesses that provide medical insurance coverage for its members).
Because of the fact, that there are about 70 million persons nationally, that are uninsured or underinsured, provides, a niche market available to entrepreneurs willing to accept the challenge.
Sunday 25 September 2011
Saturday 10 September 2011
Universal Health Care - Ethical Issues in Health Care Reform
Universal health care seems to be a hotly debated topic whenever health care reform in the United States is discussed.
Those who maintain that health is an individual responsibility do not want a system that requires them to contribute tax dollars to support fellow citizens who do not act responsibly in protecting or promoting their own health. They argue that they want the freedom to choose their own physicians and treatments, and suggest that government cannot know what is best for them. These people argue that preserving the current system with improvements to provide better insurance coverage for citizens who remain uninsured or under insured for their medical care needs is the only reform that is needed.
Those who believe health care is an individual right support a universal health care system with the argument that every citizen deserves to have access to the right care at the right time and that a government's responsibility is to protect its citizens, sometimes even from themselves.
Two opposing arguments arising from two opposing ideologies. Both are good arguments but neither can be the supporting argument for implementing or denying universal health care. The matter must be resolved through an ethical framework.
Examination of the ethical issues in health care reform would require consideration of much different arguments than those already presented. Ethical issues would center on the moral right. Discussion would begin with not "What is best for me?" but rather "How should we as a society be acting so that our actions are morally correct?"
Ethics refers to determining right and wrong in how humans relate to one another. Ethical decision making for health care reform then would require human beings to act in consideration of our relationships to each other not our own individual interests.
Examination of some of the common ethical decision making theories can provide a foundation for a different perspective than one that is solely concerned with individual rights and freedoms.
Ethical decision making requires that specific questions be answered in order to decide on whether intended actions are good or morally correct. Here are some questions that could be used in ethical decision making for health care reform.
* What action will bring the most good to the most people?
* What action in and of itself is a good act and helps us to fulfill our duties, obligations, and responsibilities to each other?
* What action in and of itself shows caring and concern for all citizens?
As the answer to all these questions, universal health care can always be considered the right thing to do.
The United States is in the most advantageous position there is when it comes to health care reform. They are the only developed country without a national health care system in place for all citizens. They have the opportunity to learn from the mistakes that have been made by all the other countries that have already gone down the universal health care road. They have an opportunity to design a system that can shine as a jewel in the crown of universal health care systems everywhere.
However, all ethical decision making is structured around values. In order for universal health care to be embraced by all citizens in the United States, they will first have to agree to the collective value of equity and fairness and embrace the goal of meeting their collective responsibility to each other while maintaining individual rights and freedoms. That may prove to be the most difficult obstacle of all.
Those who maintain that health is an individual responsibility do not want a system that requires them to contribute tax dollars to support fellow citizens who do not act responsibly in protecting or promoting their own health. They argue that they want the freedom to choose their own physicians and treatments, and suggest that government cannot know what is best for them. These people argue that preserving the current system with improvements to provide better insurance coverage for citizens who remain uninsured or under insured for their medical care needs is the only reform that is needed.
Those who believe health care is an individual right support a universal health care system with the argument that every citizen deserves to have access to the right care at the right time and that a government's responsibility is to protect its citizens, sometimes even from themselves.
Two opposing arguments arising from two opposing ideologies. Both are good arguments but neither can be the supporting argument for implementing or denying universal health care. The matter must be resolved through an ethical framework.
Examination of the ethical issues in health care reform would require consideration of much different arguments than those already presented. Ethical issues would center on the moral right. Discussion would begin with not "What is best for me?" but rather "How should we as a society be acting so that our actions are morally correct?"
Ethics refers to determining right and wrong in how humans relate to one another. Ethical decision making for health care reform then would require human beings to act in consideration of our relationships to each other not our own individual interests.
Examination of some of the common ethical decision making theories can provide a foundation for a different perspective than one that is solely concerned with individual rights and freedoms.
Ethical decision making requires that specific questions be answered in order to decide on whether intended actions are good or morally correct. Here are some questions that could be used in ethical decision making for health care reform.
* What action will bring the most good to the most people?
* What action in and of itself is a good act and helps us to fulfill our duties, obligations, and responsibilities to each other?
* What action in and of itself shows caring and concern for all citizens?
As the answer to all these questions, universal health care can always be considered the right thing to do.
The United States is in the most advantageous position there is when it comes to health care reform. They are the only developed country without a national health care system in place for all citizens. They have the opportunity to learn from the mistakes that have been made by all the other countries that have already gone down the universal health care road. They have an opportunity to design a system that can shine as a jewel in the crown of universal health care systems everywhere.
However, all ethical decision making is structured around values. In order for universal health care to be embraced by all citizens in the United States, they will first have to agree to the collective value of equity and fairness and embrace the goal of meeting their collective responsibility to each other while maintaining individual rights and freedoms. That may prove to be the most difficult obstacle of all.
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