Unit 12 Assignment 6

According to this article, many Americans are unaware of how their insruance polices work. They do not understand the coverage that is being provided to them. Ms. Goodnough states that advocates of the Affordable Care Act are teaching people about their health plans. “…Hospitals, clinics, insurers and health advocacy groups around the country are organizing education efforts, aimed particularly at lowering income people who might not have had insurance in years, if ever.” This is an excellent to help Americans better understand their health insurance policies and how to use properly use it to their advantage. Many people do not understand these plans and as a result, refuse to visit hospital due to fear of high medical costs. These programs can help people better understand these insurance policies and allow people to seek better medical coverage if needed.

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Many Americans aren’t aware how their policies work, I know I don’t. It can be confusing to understand, and not many people understand how coverage works. The affordable care act advocates are teaching people about insurance plans. This is a wonderful tool because it will help many Americans better understand the insurance plans that they have and how to use it to their full advantage. This program in my opinion is fantastic because now people are able to see the medical coverage that they need.

Unit 12 assignment 5

Health spending has significantly decreased. Many experts attribute this to the recession that occurred in the United States in 2007. “The growth rate mostly slowed as millions of Americans lost insuance coverage along with their jobs. Worried about job security, others may have feared taking time off work for doctor’s visits or surgical procedures, or skipped nonurgent care when money was tight.” However, it is not solely the recession that is cause for this lack of medical spending. Many Americans have insurance plan that force them to be more cautious about visiting hospitals and medical centers due to their higher copayments. There are several factors that play role in this fluctuation of medical costs. Hospitals and have become more cautious and realizing that they are being paid for quality of care, rather than the quantity of care.

There are several reasons that the medical spending has slowed down, the recession isn’t he only cause. For example many Americans Insurance plans force them to be more cost efficient because of high co-payments. Hospitals also have realized that they are being paid for quality of care rather than quantity of care.