Online Health Insurance System ( Medicare )

Medicare enrollees in Utah have saved about $78 million on prescription drugs due to the ACA. Coverage for both brand name and generic drugs will continue to increase until the coverage gap is closed. The ACA also allows Medicare beneficiaries to seek preventive services without worrying about cost, due to the lack of deductibles and copays. This aids in detecting and treating health problems early on. In Utah in 2014, 220,972 individuals with Medicare used free preventive services. In addition to that, fraud is at a minimum due to tougher screening procedures, penalties, and technology developments.

The federal exchange and the local governments launched their affordable healthcare system on October 1, 2013. Their system crashed, timed out and or froze before consumers could were able to complete their applications. There was one state that outperformed the federal government’s exchange. This state had the only up and running system since the beginning. This was the state of Kentucky. Kentucky, under the advisement of Sparx, their outside contracted IT experts, used a reusable framework which gave them a head start to this large statewide project. This project duration was little over 27 months of constant planning, designing, and development of this state level exchange.

In March 2010, the US President Barack Obama signed the Affordable Care Act (ACA) into the law which was proposed to provide health insurance services to more American peoples by reducing health costs. The Affordable Care Act endorsed states to set up health insurance “exchanges” to register people in insurance programs and increase their capability to evaluate insurance services. State of Minnesota decided to build up its own health insurance exchange called ‘MNsure’ system, rather than rely on the federal exchange. Minnesota chosen the “Cúram Solution to develop health insurance exchange which was a package system presented by big IT company IBM and was particularly designed to assist American states to fulfill the ACA requirements. Prior to the Mnsure, Minnesota was a primary leader in the modernization of health care department in US , but the system provided by Minnesota makes uncomfortable thousands of state people using MNsure health exchange program(Greg Davids ,2015).

“Our founders got it right when they wrote in the Declaration of Independence that our rights come from nature and nature’s GOD, not from government.” says Paul Ryan, who at the time was running for Vice President of the United States with Mitt Romney in 2012. Paul Davis Ryan Jr, who currently serves as the 54th Speaker or Representative and also represents Wisconsin’s First Congressional District, has had many plans and accomplishments since winning his first election to the house in 1998. In this paper I will be discussing Paul Ryan 's plans for the future of health insurance, his work with current President Donald Trump and his accomplishments during his terms. I will also be talking about my opinion for Ryan’s future plans for America.

However despite all the benefits of the implementation of My Wellness Portal, there are still some barriers that prevent people from adopting it. Some of barriers are the lack of consumer awareness and privacy and security concerns. The lack of consumer awareness prevents consumer from using the portal. According to the study, almost two-thirds of people surveyed do not know or are unsure about the concept of personal health records. This barrier could be prevented if health care providers will educate about the importance of implementing PHR in managing their health. The last barrier is privacy and security. This barrier is very common in any health care information system. Health care providers should educate consumers about the security and privacy policy of the portal and inform consumers who has accessed to their information.

The MONAHRQ website known for being an interactive web-based system that provides users with healthcare data, which converts into user-friendly information. It shows that it intends on making efforts on increasing the processes of efficiency in Washington and other state health care organizations, which creates different methods to collaborate proficiently with all other organizations and employees who contribute in public and private environments. It also supports methods that improve the delivery of quality care services within the organizations, which has a significant impact to improve the performance excellence of care through the ideal customer. Essentially, the website mission is to make the healthcare environment safer, higher

For anyone who has kept up with the news, the US healthcare system has undergone major changes in recent years. Insurance providers are no longer able to deny someone coverage based on pre-existing conditions. The advent of healthcare marketplaces has changed the way people purchase health insurance. Children can stay on their parents' health insurance plans until 26. Leading the healthcare revolution is InnovaCare Health. This organization is a leading provider of Medicaid and Medicare Advantage plans. InnovaCare Health recently announced it would partner with the Health Care Payment Learning and Action Network. This is a significant private-public partnership that seeks to change compensation models to reflect the quality of care instead of quantity. This new partnership reflects InnovaCare Health's to affect change in compensation sooner rather than later. The current healthcare model focuses on reimbursing physicians based on the number of patients seen or procedures performed. This encourages "treadmill medicine," or a model that focuses on rapid turnover. This can often lead to detrimental effects on patient health. The new quality model would reward physicians based on practice targets. Potential goals include HbA1c goals for patients with diabetes, the percentage of patients who smoke, and hospital stay after surgical procedures.

Medicare is Canada’s publicly funded health care system. The federal government establishes the principles and guidelines under Medicare is delivered and provides funding to the provinces/territories. Each province and territory is responsible for their own health care insurance plan. Having this system in place it allows for all Canadian residents to receive reasonable access to medically necessary services from the hospital and physicians without paying out of their pocket. Tommy Douglas was the driving force to bring government funded health care to Saskatchewan residents in 1946. December 1966 is when the federal Medicare legislation was implemented across Canada but took till 1972 for all the provinces to be fully implemented.

Older adults who are reaching the retiring age have the important job to make decisions regarding the Medicare coverage plans. “Medicare is an insurance plan for person who are age 65, blind, or totally disabled, including those with end-stage renal disease” (Touhy & Jett, 2011, p. 394). Medicare is composed of four different parts. Part A and Part B are the original plans, Part C represents the advantage plans and Part D is the prescription drug plan. (Touhy & Jett, 2011). Choosing the right Medicare plan requires comprehension of the different plans available for qualifying individuals, coverages, deductibles, premiums, and supplemental insurance policies. The information in the Medicare plans is extensive and often times confusing for older adults especially those who have cognitive problems coupled with other comorbidities and geriatric conditions such as hearing and vision problems. In order to make informed decisions, older adults must take on the challenge to learn about the Medicare plans, what is covered, terms and conditions, and out of pocket costs.

UnitedHealthcare, Medicare and Retirement provide health insurance for senior citizens and other Medicare recipients usually through the Medicare’s Advantage program. Under this program, the two organizations were able to provide healthcare coverage in exchange for a fixed monthly premium per client from CMS. The premium amounts for this service varies based on demographic factors such as age, gender and health status as well as where the individual is located geographically. The program uses automated medical record software that allows clinical care teams to track and capture data and clinical encounters for high-risk patients. It also allows the teams to create a comprehensive set of care information which links across hospitals, homes and nursing home care settings. They are patented predictive modeling tools that helps identify members that are at high risk ,and allows their care managers to reach out to those members to create and individualized care plan. By the end of December 2012, approximately 2.6 million individuals enrolled in this program.

Establishment of health insurance platform that offers a means through which citizens who can’t contact either community coverage or inexpensive company coverage can be able to procure cover which includes best package and with an incentive of fee distribution acclaims to a group of persons with the goal of making insurance coverage

With a rapidly changing health care system, the Centers for Medicare and Medicaid Services (CMS) faces significant challenges in the coming years. Key populations served by Medicare and Medicaid will increase dramatically over the next 10 years as the Baby Boom Generation ages into Medicare, more Americans live longer with more chronic illnesses, and the number of Medicaid enrollees increases as a result of program expansions under the Affordable Care Act (ACA) (///citations///). The cost, quality of care, and effectiveness of both Medicare and Medicaid have never been more important issues for CMS and Congress. As part of its mission to serve Medicare and Medicaid beneficiaries, CMS has been implementing a wide range of new financing and

Nowadays, information technology dominant society which took an important role of providing better services with its intensive data and information. Some or part of the services continuously changing their shapes from traditional type of works to online base systems along with the recent innovation. Insurance is one of them. People are able to exchange and contract their insurance policies on the website by providing information just to complete the applications. Obamacare also adopt this system to make it more accessible and affordable to everyone. The online system eliminates or reduce the assessment and underwriting process which usually proceed before the contract, so that insurance companies are able to provide insurance less expensive and much easier to people especially for young people compare to the traditional style of insurance. It also reduced a large amount of paper works associated with assessment or contraction process. As a consequence, usability became more simple and convenient both for insured and insurer.

Not only can it serve to connect patients with PCP and specialists, online care can also connect patients with pharmacists and nurse practitioners. Targeting the core market of insurance providers and employers is a high revenue generating market for online care. Pharmacists, hospitals also show promising value however, it is important to not dilute the services early on so that more efforts are focused towards securing the primary market segment. Currently American Well has pilot projects running with major insurance care providers. Once they can show the operating effectiveness of this model and the stakeholders are able to see the benefits of scaling this model to all their participants there will be a huge growth in this market segment.

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