Employee Health and Health Insurance The health of employees is a major concern for employers. A healthy employee is more productive as compared to an unhealthy employees implying that an organization with healthy employees will record higher levels of productivity. In this regard, one of the benefits that employees enjoy from their employers is a health cover that enables them to access healthcare services using the health insurance cover from their employer. There are various alternatives available to employers who wish to take out a health insurance cover for their employees (Carrell & Heavrin, 2004). These include: Preferred Provider Organization (PPO) This is a type of health insurance cover offered by health insurance organizations in …show more content…
However, the exclusive provider organization plans limit access of services from out of network healthcare services providers. This lowers the premium payable to the providers. Therefore, in case an insured individual seeks healthcare services from an out-of-network provider, they are fully responsible for the cost of seeking for the services. In this type of plan, there is an element of coinsurance amount just like with the PPOs (Carrell & Heavrin, …show more content…
The employer can increase the health of their employers by first providing a safe, healthy and clean workplace. This entails providing proper lighting; ensuring work areas are clean and free of any contaminants that might jeopardize the health of their employees like smoke, fumes or wet surfaces. In addition, employers need to provide their employees with the necessary personal protection equipment like face masks, earplugs for noisy environments and overalls. On the other hand, the employers should take out proper healthcare insurance plans that will ensure that employees get medical attention for any health conditions that might arise before they blow out of proportion (Carrell & Heavrin,
Kaiser Permanente’s mission is to provide care assistance to those in need. As a health maintenance organization, Kaiser Permanente provides preventive care such as prenatal care, immunizations, diagnostics, hospital medical and pharmacy services. Also, they take responsibility and provide exceptional training for their future health professionals for better clinical performance and treatment for the patients. The organization is to ensure fair and proper treatment towards their employees for a pleasant working environment in hospital and to provide medical services especially in a growing population in suburban communities, such as Tracy and Stockton in California.
...ter for obese individuals than for average weight individuals. The healthier workers are, the fewer medical services they use. The five leading causes of death in the U.S., heart disease, cancer, stroke, chronic obstructive pulmonary disease and diabetes — are directly linked to unhealthy lifestyles. Clearly, encouraging healthful habits presents an opportunity to improve workers’ well being, reduce the need for medical services and help control costs.
Another downfall to HMO coverage is selective-contracting. This is a process where hospitals deny treatment to patients because their...
The end result is that everyone wants to come to work in an environment that is stress free and safe. A business needs to make a concrete commitment to the health and security of its employees. Let’s not wait until it’s too late.
While the strain on the health care system is evidently a major issue, poor health of employees also has been proven to negatively affect the overall performance in the workplace. Alternatively, good health in the workplace has been proven to reduce absenteeism, reduce the costs of disability and dru...
Most people rely on their employers to provide them with health insurance, but with many health care is not available through the employers. Many small businesses can simply not afford the high cost of health care, or it may be available, but the employee needs to pay the entire premiums. A lot of employers are utilizing part time employees, the part time employees are usually not qualified for benefits, like health insurance. This is very unfortunate for these part timer’s not only because they will not get benefits such as health insurance, but also they probably have a slim chance of going full time because of the health insurance dilemma. Business owner’s need to assess what is good for them financially, and having plenty of part time employees who do not require insurance is probably the most cost effective method to keep the Business up and running.
Medicare was designed as a universal healthcare program for individuals 65 years old and older. This program is funded by Medicare taxes and general federal funding withholding taxes. Medicare is a partnership between federal and state with the goal to provide medical insurance to the elderly that is poor and disabled. Generally all people who are 65 years or older and qualify for social security will automatically qualify for Medicare.
The steady rise of healthcare costs and the ever increasing cost of health insurance premiums are making it harder and harder for employers to pay healthcare premiums for their employees. In the past, it was almost a given that employers picked up the tab for health insurance coverage. The health coverage was usually exceptional with little or no money paid out of pocket by the individual for the insurance premiums. Those appear to be the “good old days”, with fewer and fewer employers shelling out money for health insurance premiums and demanding a larger percentage to be paid by the employee. Other employers are simply unable to financially provide healthcare coverage for their employees and have stopped all together.
There are several issues concerning the uninsured and underinsured patient population in America. There are many areas of concern the congressional efforts to increase the availability of health insurance, the public image of the insurance industry illustrated by the movie "John Q", the lack of good management tools, and creating health insurance coverage for all low income Americans. Since the number of uninsured Americans has risen to 43 million from 37 million in the flourishing 1990s and could shoot up even more severely if the economy continues to decrease and health care premiums keep increasing (Insurance No Simple Fix, 2001).
Healthcare plays an important role in almost every person’s life at one point or another. Many times, one can get caught without, or underinsured and it can be detrimental to their livelihood. With the rising cost of healthcare, it is likely that having a national healthcare policy in place, and as an individual, being able to afford and obtain adequate health insurance has not been required until now. With the new national healthcare plan, it is required for all citizens to obtain and maintain some sort of public or private insurance policy. The rising costs can be attributed to many things. A significant reason for the astronomical cost of health care is because of the staggering amount of uninsured or underinsured individuals receiving medical attention and almost many never paying the bill. Those who do have insurance have seen a gradual increase in their premiums and deductibles to make up for this.
Medicare is a national social insurance program, run by the U.S. federal government since 1966 that promises health insurance for Americans aged 65 and older and younger people with disabilities. Being the nation’s single largest health insurance program, covering a large population for a wide range of health services, Medicare's funding is a fundamental part of it sustainability. Medicare is comprised of several different parts, serving different purposes, some of which require separate funding. In general, people at the age of 65 and older who have been legal residents of the United States for at least 5 years are eligible for Medicare. Same is true with people that have disabilities under 65, if they receive Social Security Disability Insurance benefits. Medicare involves four parts: Part A is hospital insurance. Part B is additional medical insurance, that Part A doesn't cover. Part C health plans, also mostly known as Medicare Advantage, are another way for original Medicare beneficiaries to receive their Part A, B and D benefits. Medicare Part D covers many prescription drugs, some of which are covered by Part B. Medicare is a major operation, not only needing adequate administering but the necessary allocated funds to keep this massive system afloat.
...ue to numerous medical errors. With the amount of medical errors that currently do occur which is a current health care issue it cost the health care billions of dollar each year to fix the mistakes that were made.
To have a future plan of facing even such ill-fated situations we ensure personally. In case of Organizations, employees are the core elements. In concern for their employees, the organizations opt for Group Health Insurance On prioritizing the health of the employees, almost all the organizations are taking a positive and supporting step towards ensuring their members with a group health insurance policy They have the aim of “Employee first and Organization
Introduction Canadian health and safety legislation requires companies and organizations to make a commitment towards occupational health and safety. Maintaining a safe workplace environment has numerous benefits. A safe work environment can boost employee morale, increase productivity, and improve job satisfaction. For companies and organizations, these benefits can lead to less turnover and increased employee retention. They can also reduce absenteeism while improving the culture and image of a company or organization.
Health care has always been an interesting topic all over the world. Voltaire once said, “The art of medicine consists of amusing the patient while nature cures the disease.” It may seem like health care that nothing gets accomplished in different health care systems, but ultimately many trying to cures diseases and improve health care systems.