Uninsured Case Study
Stakeholder Dynamics-“Business Feels the Consequences of the Uninsured Problem”
Abstract
This paper explores how businesses are suffering due to people that are uninsured. There is a growing concern from business, employees, hospitals, tax payers and the government on the increase rise of people that are uninsured. This paper examines the impact on stakeholders from a case study. Research was gathered from the text book, internet and health magazines to gain a better understanding of the implications of the uninsured population.
.
When an employee or someone in the family is sick, they will typically make an appointment to their family physician and get what medicine is needed …show more content…
and return back to work. However, when that person or someone in the family sick and they are uninsured they, will probably come to work sick, call out, and have low productivity. This is a concern for business because in the end it will cost them money to have that person out, or doing minimal work. “Not only do healthcare costs reduce our nation’s ability to compete in the global marketplace, but also the loss of productivity due to illness or injury is of concern to any business” (Johnson 273).
Problem Statement- Families that are uninsured are not receiving regularly health care service which, that will cause them to be sick often, or miss work for a sick child, and the business feel the effects of higher cost and lower productivity.
Stakeholder Analysis
A and B Providers: Hospital and Physicians-Hospitals and the physicians have to provide emergency care to individuals that do not have health coverage, these causes a financial burden on the hospital and their staff.
This causes an increase in the rates those hospitals charges for treatment and operation to increase. Uninsured individuals don not seek medical attention regularly, so when the situations worsens they typically will then go to the emergency room and the physicians have to treat them. “With more than 46 million Americans living without health insurance and many more being underinsured, hospitals are being forced to dig deep into their into their coffers in order to provide emergency and regular care to these individuals” (Health Statistics, …show more content…
2013).
C. Employers-When employees are uninsured it effects their productivity at work, and their attendance. Businesses are also affected when the employees have to tend to sick children and family members. Because the uninsured employee usually wait until they are really sick and maybe visit the ER, and then miss more days from work.
D. Insurers: The people that are insured typically will pay more for their premiums.
“What happens in the community then is that ...
ultimately, we have to pass the (costs) on to people that do have insurance. And that becomes the hidden tax” (Spitalnic 2008).
F .Government-More people that are uninsured are relying on the government and that is putting a financial strain on the economy. “Medicare had significant effects on the market beyond its effects on Medicare beneficiaries, while several studies have documented spillover effects of market-level HMO penetration on Medicare costs, utilization, and outcomes” ( Shen and Melnick 2004).
From my perspective I think that government should fund everyone being insured, I grew up without insurance and it was embarrassing being sick or with a bad toothache for a long period of time. Both of my parents worked, but they had minimum wage jobs and the cost would eat up their salary. I know receive health insurance through the military we still pay a small fee based on rank but it is not as much as a civilian job, would be. Maybe a system where everyone receives the same insurance and the cost is on a sliding scale based on income and the number of people in the family. This would eliminate employees calling in sick, and the emergency
visits. The uninsured population has a huge impact on the healthcare industry, lower costs from employers and the Government solution are probably the only way that the uninsured population will be insured.
References
Johnson, James A.. Health Organizations: Theory, Behavior, & Development. Jones & Bartlett Learning. .
National Center for Health Statistics. 2013. “Health Insurance Coverage: Early Release of Estimates from the National Health Information Survey, 2012
Shen, Y and Melnick GA. 2004. The Effects of HMO Ownership on Hospital Costs and Revenues: Is There a Difference Between For-profit and Not-for-profit Plan? Inquiry 41(3): 255-267.
Spitalnic, P. (2008). Note to Medicare Advantage organizations and other interested parties. Available at http://www.cms.hhs.gov/MedicareAdvtgSpecRateStats/Downloads/FFS-Data-
Abstract
This paper explores how businesses are suffering due to people that are uninsured. There is a growing concern from business, employees, hospitals, tax payers and the government on the increase rise of people that are uninsured. This paper examines the impact on stakeholders from a case study. Research was gathered from the text book, internet and health magazines to gain a better understanding of the implications of the uninsured population.
.
When an employee or someone in the family is sick, they will typically make an appointment to their family physician and get what medicine is needed …show more content…
and return back to work. However, when that person or someone in the family sick and they are uninsured they, will probably come to work sick, call out, and have low productivity. This is a concern for business because in the end it will cost them money to have that person out, or doing minimal work. “Not only do healthcare costs reduce our nation’s ability to compete in the global marketplace, but also the loss of productivity due to illness or injury is of concern to any business” (Johnson 273).
Problem Statement- Families that are uninsured are not receiving regularly health care service which, that will cause them to be sick often, or miss work for a sick child, and the business feel the effects of higher cost and lower productivity.
Stakeholder Analysis
A and B Providers: Hospital and Physicians-Hospitals and the physicians have to provide emergency care to individuals that do not have health coverage, these causes a financial burden on the hospital and their staff.
This causes an increase in the rates those hospitals charges for treatment and operation to increase. Uninsured individuals don not seek medical attention regularly, so when the situations worsens they typically will then go to the emergency room and the physicians have to treat them. “With more than 46 million Americans living without health insurance and many more being underinsured, hospitals are being forced to dig deep into their into their coffers in order to provide emergency and regular care to these individuals” (Health Statistics, …show more content…
2013).
C. Employers-When employees are uninsured it effects their productivity at work, and their attendance. Businesses are also affected when the employees have to tend to sick children and family members. Because the uninsured employee usually wait until they are really sick and maybe visit the ER, and then miss more days from work.
D. Insurers: The people that are insured typically will pay more for their premiums.
“What happens in the community then is that ...
ultimately, we have to pass the (costs) on to people that do have insurance. And that becomes the hidden tax” (Spitalnic 2008).
F .Government-More people that are uninsured are relying on the government and that is putting a financial strain on the economy. “Medicare had significant effects on the market beyond its effects on Medicare beneficiaries, while several studies have documented spillover effects of market-level HMO penetration on Medicare costs, utilization, and outcomes” ( Shen and Melnick 2004).
From my perspective I think that government should fund everyone being insured, I grew up without insurance and it was embarrassing being sick or with a bad toothache for a long period of time. Both of my parents worked, but they had minimum wage jobs and the cost would eat up their salary. I know receive health insurance through the military we still pay a small fee based on rank but it is not as much as a civilian job, would be. Maybe a system where everyone receives the same insurance and the cost is on a sliding scale based on income and the number of people in the family. This would eliminate employees calling in sick, and the emergency
visits. The uninsured population has a huge impact on the healthcare industry, lower costs from employers and the Government solution are probably the only way that the uninsured population will be insured.
References
Johnson, James A.. Health Organizations: Theory, Behavior, & Development. Jones & Bartlett Learning. .
National Center for Health Statistics. 2013. “Health Insurance Coverage: Early Release of Estimates from the National Health Information Survey, 2012
Shen, Y and Melnick GA. 2004. The Effects of HMO Ownership on Hospital Costs and Revenues: Is There a Difference Between For-profit and Not-for-profit Plan? Inquiry 41(3): 255-267.
Spitalnic, P. (2008). Note to Medicare Advantage organizations and other interested parties. Available at http://www.cms.hhs.gov/MedicareAdvtgSpecRateStats/Downloads/FFS-Data-