For a long time, the Health Care concern has been a centre of discussion in the society as well as among the representatives in a bid to find out which would be the best way to cushion Americans from the ever increasing burden of having to take care of themselves medically. Efforts have been made but still there is no single solution to the issue hence a combined effort between the citizens and the government is very essential in ensuring that the ultimate goal is achieved and each American has adequate Health care assurance. This is the aim of the Health Reforms that was passed into law at the behest of the current president, Obama.
Provisions of the Health Reform
There are several benefits that the Health Reforms are expected to bring to the American population in general. One of the central changes is the fact that the Health Reforms prohibit health insurers from denying coverage or charging based on patients’ medical histories or gender. This will ensure that there is adequate cover for everyone without the insurers having loop holes to concentrate on the covers that only benefit them yet leaving out the significant population that requires its services, in effect it will minimize discrimination in health care.
The other significant provision is the repeal of insurance companies’ exemption from anti-trust laws, this will again guard against insurers colluding and coming up with covers and conditions that are not client focused but meant to protect themselves.
The other benefit of the reform was the setting of minimum standards for qualified health benefit plans, most employers to provide insurance cover for their employees or pay a surtax on the workers’ wages up to 8%, all this aimed at ensuring that each American citizen who puts his efforts into the building of the nation has enough health cover backing whenever they need it.
The reform also aimed at an expansion of Medical aid to include more low-income Americans by heightening Medicaid eligibility limits to 150% of the Federal Poverty Level and by covering adults without dependents. It also fronts a subsidy to low- and middle-income Americans to help buy insurance. This is a central health insurance exchange where the public is able to evaluate policies and rates, a government-run insurance plan.
Americans will also be required to carry or obtain qualifying health insurance coverage or possibly face surtax for non-compliance. A 5.4% surtax on individuals whose adjusted gross income exceeds $500,000 ($1 million for married couples filing joint returns), and 2.5% excise duty on medical devices. Obama plan also projects spending on Medicare of $400 billion over a ten-year period, imposing a $2,500 limit on contributions to flexible spending accounts (FSAs), which allows for payment of health costs with pre-tax funds.
The Emergency Medical Services is also up to benefit from the various reforms that are expected in the Health reform package. There is going to be reduction of strain on the EMS since the reform plan aims at reducing the cost of health care and expand as well aces to insurance service, the patients who were hitherto reliant on EMS as their primary health care providers will drastically reduce. This is a trend that was very predominant among the fire fighters and they were always on call. On March 23, 2010 Obama signed into law the Patient Protection and Affordable Care Act which is intended to alleviate the situation. With this solved, the EMS and fire fighters in particular will have less and less strain on their service hence perfect their service to the very needy cases (International Association of Fire Fighters, 2011).
There will be better Health Cover for EMS staff. The EMS staff are the first hand consumers and primary providers of the much needed emergency services, they are then in the best position to detect and suffer the shortcomings of the health care system. This has gone on over the years until the introduction of the health care reforms. The cost of health care has risen over the years dramatically and the EMS staff, fire fighters in particular has had to give up their wage increment and other supplementary benefits for the sake of retaining their health care coverage. The saddest part is that they see and experience on a daily basis the agony of those without insurance as they rely solely on them for alternative health care, with this trauma, the EMS staff would do anything to have a cover. The EMS will now benefit from the health care reform plan and have the advantage of pocketing the extra benefits and going for the increments.
With the reforms, there is expected better Service from the EMS since the majority of people shall have been covered (as shown in above) hence there will be a narrowed number of the “have-nots.” This will be a more homogenous and way smaller section of the uninsured people that will make the EMS more efficient in serving them and give them appropriate and timely health care solutions. However, with the ever decreasing number of primary care providers, there still will be a higher demand for the EMS as the bridge in the U.S. health care system (Bill Atkinson, 2010).
The reform will also see into a more coordinated Health care. According to the reform plan, there is a deliberate effort to ensure that the payment for the health care and the insurance will be purely based on quality and not quantity. This is aimed at making health care at all levels more effective to Americans. This model can only mean one thing in the American health care system, a more coordinated and better integrated system among the health care systems that ensures quality medical care is given in good time as well. This eventual coordination will cut across the entire care and eservice stages, including the EMS to the rehabilitation sectors. Hence the management of the EMS sector will be better in tandem with other health care departments and levels (Bill Atkinson, 2010).
There will also be a better equipped EMS put in place as the reforms get implemented. The reform will ultimately solve the lack of funding for emergency response programs. The American health care system for long has lacked preparedness in terms of emergency response and the reform plan seeks to better coordinate the public health, emergency service, emergency communication enhancement, public safety and better organization of the medical information and data in the quest to better serve the American people (Ben LaBolt, 2010). LaBolt further notes the Institute of Medicine (IOM) reports of 2006 that pointed out the EMS as one of the ill equipped departments in health care, being highly fragmented, not well prepared for every day operation leave alone a disaster and poorly equipped. This reform plan is working on the modalities of ensuring the above are all rectified and EMS becomes a better department for the Americans.
The health reform also presents the largest cut in health care tax for the middle class than ever seen before. This will in effect make the health care more affordable for millions of families in the U.S.A. And in effect ensure that more people have adequate cover (ProCOn.org, 2011).
The cons of the health care reforms
The first undoing of the Obama plan is solidly on the small businesses. It is apparent that the small businesses provide for a wide employment spectrum. Their reluctance to recruit is brought about by fear of the taxation and higher premiums for medical cover purposes. This is widely responsible for the near 9.7% joblessness in U.S. At the moment and is feared could remain so for the next five years. According to paycheck processing company ADP’s monthly small business employment report, small companies employed 106.7 million people in February, down from close to 115 million in 2007 at the start of the major recession. This will consequently lead to low production; low returns for companies and the low profits will eventually mean the economic status of these small companies will grind downwards. Summed up, these numerous companies, undergoing economic strain under the hefty taxes, the overall economy of the U.S. will be negatively hit.
In fact Emily Kaiser (2010) says of the Obama bill as “The U.S. healthcare bill promises benefits now and delays the payback until later, a politically savvy short-term move that may have long-run economic repercussions.” Essentially the plan would be eliminating the tax break that employers currently enjoy to finance the individual tax credits. This will in effect make the financial burden be more on the employer and in effect more employers will shy away from mass recruitment for fear of more taxation per head. This will effectively dismantle the employer-provided system that is estimated to cover well into 60% of Americans. This scheme, just like the Obama health care plan will threaten the existence of small businesses that don’t have enough financial base to cover their employees.
The Obama model will also lead to capital deficit among the insurers and they will be unable to effectively compensate or cover their clients, hence they will close down. The same effect will be felt from those who lose their jobs yet they were insured, and then decide to buy coverage on the exchange effectively getting mandatory protection.
To meet these increments in costs there will be some increment in taxation as well. This will in effect leave the middle class with less in pocket to meet their daily costs. Tax credits may not be enough to offset the cost of insurance and as always the class that tends to get the squeeze is the middle class (Urban Institute, 2010).
Another major concern is the possibility of the reform being very expensive hence making the Americans to pay more for it through their taxes. In fact Emily Kaiser (2010) says of the Obama bill as “The U.S. healthcare bill promises benefits now and delays the payback until later, a politically savvy short-term move that may have long-run economic repercussions.”
The other boomerang consequence that the reform may have on the American population is effect of the entire plan on the small businesses, being that this sector provides for a large percentage of employment fields. Their reluctance to recruit is brought about by fear of the taxation and higher premiums for medical cover purposes. This was widely responsible for the near 9.7% joblessness in U.S. during the recession years and is feared could remain so for the next three years. According to paycheck processing company ADP’s monthly small business employment report, small companies employed 106.7 million people in February 2008, down from close to 115 million in 2007 at the start of the major recession. This was coupled by the 84, 000 job loses in the private sector (Justin Lahart, 2010). This will consequently lead to low production; low returns for companies and the low profits will eventually mean the economic status of these small companies will grind downwards. Summed up, these numerous companies, undergoing economic strain under the hefty taxes, the overall economy of the U.S. will be negatively hit. As a boomerang, it may lead to more people in the hitherto mentioned “have-nots” group and straining again the health care plan.
Generally, considering the previous state of the health care system in USA and the new prospects that the reforms are bound to achieve and some that have already been achieved, there is need for all Americans to pull together to ensure that the reforms are realized for the benefit of the entire USA. This is a peculiar Health care system from any other in the world and is formatted to benefit the American people. From the above mentioned benefits among many other subtle benefits that will come alongside, the Health reforms is a good idea for the U.S.A.
Ben LaBolt, (2010). Senator Obama Introduces Bill to Strengthen Emergency Medical Care
Systems. Retrieved November 13, 2011 from http://www.emsvillage.com/articles/article.cfm?id=2185
Bill Atkinson, (2010). What Obama’s health care bill means for EMS. Retrieved November 13,
2011 from http://www.ems1.com/ems-advocacy/articles/779154-What-Obamas-health-care-bill-means-for-EMS/
Emily, K. (2010, March 22). The buy now, pay later U.S. healthcare bill. Washington Post.
(Reuters). Healthcare plan a prescription for disaster.(2010 February 24). Retrieved November 13, 2011 from www.contrarianprofits.com/articles/obama%E2%8%99s-healthcare-plan-a-prescription-for-disaster/19278.
International Association of Fire Fighters, (2011). Healthcare Reform. Retrieved November 13,
2011 from http://www.iaff.org/politics/legislative/Healthcarereform.htm
Justin Lahart, (2010). Job Losses Continue, ADP Surveys Suggest. Retrieved November 13, 2011
Emily Kaiser. (2010). The Buy now, Pay later U.S. Healthcare Bill. The U.S. healthcare bill promises benefits now and delays the payback until later, a politically savvy short-term move that may have long-run economic repercussions. Retrieved November 13, 2011 from http://uk.reuters.com/article/2010/03/22/uk-usa-healthcare-economy-analysis-idUKTRE62L4V720100322
ProCon.org, (2011). Are the March 2010 federal health care reform laws good for America?
Retrieved November 13, 2011 from http://healthcarereform.procon.org/view.resource.php?resourceID=003725
Urban Institute, (2010). An Analysis of the McCain Health Care Proposal. Retrieved November
13, 2011 from www.urban.org/publications/411755.html
Are you busy and do not have time to handle your assignment? Are you scared that your paper will not make the grade? Do you have responsibilities that may hinder you from turning in your assignment on time? Are you tired and can barely handle your assignment? Are your grades inconsistent?
Whichever your reason is, it is valid! You can get professional academic help from our service at affordable rates. We have a team of professional academic writers who can handle all your assignments.
Students barely have time to read. We got you! Have your literature essay or book review written without having the hassle of reading the book. You can get your literature paper custom-written for you by our literature specialists.
Do you struggle with finance? No need to torture yourself if finance is not your cup of tea. You can order your finance paper from our academic writing service and get 100% original work from competent finance experts.
While psychology may be an interesting subject, you may lack sufficient time to handle your assignments. Don’t despair; by using our academic writing service, you can be assured of perfect grades. Moreover, your grades will be consistent.
Engineering is quite a demanding subject. Students face a lot of pressure and barely have enough time to do what they love to do. Our academic writing service got you covered! Our engineering specialists follow the paper instructions and ensure timely delivery of the paper.
In the nursing course, you may have difficulties with literature reviews, annotated bibliographies, critical essays, and other assignments. Our nursing assignment writers will offer you professional nursing paper help at low prices.
Truth be told, sociology papers can be quite exhausting. Our academic writing service relieves you of fatigue, pressure, and stress. You can relax and have peace of mind as our academic writers handle your sociology assignment.
We take pride in having some of the best business writers in the industry. Our business writers have a lot of experience in the field. They are reliable, and you can be assured of a high-grade paper. They are able to handle business papers of any subject, length, deadline, and difficulty!
We boast of having some of the most experienced statistics experts in the industry. Our statistics experts have diverse skills, expertise, and knowledge to handle any kind of assignment. They have access to all kinds of software to get your assignment done.
Writing a law essay may prove to be an insurmountable obstacle, especially when you need to know the peculiarities of the legislative framework. Take advantage of our top-notch law specialists and get superb grades and 100% satisfaction.
We have highlighted some of the most popular subjects we handle above. Those are just a tip of the iceberg. We deal in all academic disciplines since our writers are as diverse. They have been drawn from across all disciplines, and orders are assigned to those writers believed to be the best in the field. In a nutshell, there is no task we cannot handle; all you need to do is place your order with us. As long as your instructions are clear, just trust we shall deliver irrespective of the discipline.
Our essay writers are graduates with bachelor's, masters, Ph.D., and doctorate degrees in various subjects. The minimum requirement to be an essay writer with our essay writing service is to have a college degree. All our academic writers have a minimum of two years of academic writing. We have a stringent recruitment process to ensure that we get only the most competent essay writers in the industry. We also ensure that the writers are handsomely compensated for their value. The majority of our writers are native English speakers. As such, the fluency of language and grammar is impeccable.
There is a very low likelihood that you won’t like the paper.
Not at all. All papers are written from scratch. There is no way your tutor or instructor will realize that you did not write the paper yourself. In fact, we recommend using our assignment help services for consistent results.
We check all papers for plagiarism before we submit them. We use powerful plagiarism checking software such as SafeAssign, LopesWrite, and Turnitin. We also upload the plagiarism report so that you can review it. We understand that plagiarism is academic suicide. We would not take the risk of submitting plagiarized work and jeopardize your academic journey. Furthermore, we do not sell or use prewritten papers, and each paper is written from scratch.
You determine when you get the paper by setting the deadline when placing the order. All papers are delivered within the deadline. We are well aware that we operate in a time-sensitive industry. As such, we have laid out strategies to ensure that the client receives the paper on time and they never miss the deadline. We understand that papers that are submitted late have some points deducted. We do not want you to miss any points due to late submission. We work on beating deadlines by huge margins in order to ensure that you have ample time to review the paper before you submit it.
We have a privacy and confidentiality policy that guides our work. We NEVER share any customer information with third parties. Noone will ever know that you used our assignment help services. It’s only between you and us. We are bound by our policies to protect the customer’s identity and information. All your information, such as your names, phone number, email, order information, and so on, are protected. We have robust security systems that ensure that your data is protected. Hacking our systems is close to impossible, and it has never happened.
You fill all the paper instructions in the order form. Make sure you include all the helpful materials so that our academic writers can deliver the perfect paper. It will also help to eliminate unnecessary revisions.
Proceed to pay for the paper so that it can be assigned to one of our expert academic writers. The paper subject is matched with the writer’s area of specialization.
You communicate with the writer and know about the progress of the paper. The client can ask the writer for drafts of the paper. The client can upload extra material and include additional instructions from the lecturer. Receive a paper.
The paper is sent to your email and uploaded to your personal account. You also get a plagiarism report attached to your paper.
PLACE THIS ORDER OR A SIMILAR ORDER WITH US TODAY!!!
We provide professional writing services to help you score straight A’s by submitting custom written assignments that mirror your guidelines.
Get result-oriented writing and never worry about grades anymore. We follow the highest quality standards to make sure that you get perfect assignments.
Our writers have experience in dealing with papers of every educational level. You can surely rely on the expertise of our qualified professionals.
Your deadline is our threshold for success and we take it very seriously. We make sure you receive your papers before your predefined time.
Someone from our customer support team is always here to respond to your questions. So, hit us up if you have got any ambiguity or concern.
Sit back and relax while we help you out with writing your papers. We have an ultimate policy for keeping your personal and order-related details a secret.
We assure you that your document will be thoroughly checked for plagiarism and grammatical errors as we use highly authentic and licit sources.
Still reluctant about placing an order? Our 100% Moneyback Guarantee backs you up on rare occasions where you aren’t satisfied with the writing.
You don’t have to wait for an update for hours; you can track the progress of your order any time you want. We share the status after each step.
Although you can leverage our expertise for any writing task, we have a knack for creating flawless papers for the following document types.
Although you can leverage our expertise for any writing task, we have a knack for creating flawless papers for the following document types.
From brainstorming your paper's outline to perfecting its grammar, we perform every step carefully to make your paper worthy of A grade.
Hire your preferred writer anytime. Simply specify if you want your preferred expert to write your paper and we’ll make that happen.
Get an elaborate and authentic grammar check report with your work to have the grammar goodness sealed in your document.
You can purchase this feature if you want our writers to sum up your paper in the form of a concise and well-articulated summary.
You don’t have to worry about plagiarism anymore. Get a plagiarism report to certify the uniqueness of your work.
Join us for the best experience while seeking writing assistance in your college life. A good grade is all you need to boost up your academic excellence and we are all about it.
We create perfect papers according to the guidelines.
We seamlessly edit out errors from your papers.
We thoroughly read your final draft to identify errors.
Work with ultimate peace of mind because we ensure that your academic work is our responsibility and your grades are a top concern for us!
Dedication. Quality. Commitment. Punctuality
Here is what we have achieved so far. These numbers are evidence that we go the extra mile to make your college journey successful.
We have the most intuitive and minimalistic process so that you can easily place an order. Just follow a few steps to unlock success.
We understand your guidelines first before delivering any writing service. You can discuss your writing needs and we will have them evaluated by our dedicated team.
We write your papers in a standardized way. We complete your work in such a way that it turns out to be a perfect description of your guidelines.
We promise you excellent grades and academic excellence that you always longed for. Our writers stay in touch with you via email.