Social Problem
The Problem our policy is intended to address is the lack of affordable health insurance as well as the lack of affordable health insurance to persons with pre-existing health conditions.
The Extent of the social problem reaches to numbers of persons and populations in the United States. Living without health insurance are in excess of 50 million people in the United States, which is roughly equivalent to 16.7% of the population, or one in six U.S. residents (Wolf, 2010). Defining this as a problem are those most affected by the inaccessibility barrier which includes illegal immigrants, the elderly, and those persons unable to attain insurance coverage due to a pre-existing medical condition.
Who disagrees?
The Related Social Values pertaining to this social problem certainly center on the dignity and worth of the person. Accessibility to health care via affordable health insurance would be considered more than a civil right but indeed a matter of human rights. This problem also touches one of the key American social values, which is social responsibility. The value is self-descriptive and is opposed by the competing American social value of Individualism. In terms of social values as they relate to social work and the implication relating to the profession, the NASW, the National Association of Social Workers, outlines Social Workers’ ethical responsibilities to that of broader society (Social Work Search, 2003).
The Competing Social Values would include the opposing key American social values of Individualism and Self-care whereby the focus would be on private interest instead of public purpose. This competing value is significant because in times of private interest, acquisition of essential human needs w...
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Social Work Search. (2011, April 22). Re: NASW code of ethics [Website] Retrieved from http://www.socialworksearch.com/html/nasw.shtml#SOCIETY
Trumbull, M. (2010, March 23). Obama signs health care bill: who won’t be covered. Christian Science Monitor. Retrieved from http://www.csmonitor.com/USA/2010/0323/Obama- signs-health-care-bill-Who-won-t-be-covered
Wolf, R. (2010, September 17). Number of uninsured Americans rises to 50.7 million. USA
TODAY. Retrieved from http://www.usatoday.com/news/nation/2010-09-17- uninsured17_ST_N.htm
Due to the Patient Protection and Affordable Care Act signed into law on March 23rd, 2010; health care in the US is presently in a state of much needed transition. As of 2008, 46 Million residents (15% of the population) were uninsured and 60% of residents had coverage from private insurers. 55% of those covered by private insurers received it through their employer and 5% paid for it directly. Federal programs covered 24% of Americans; 13% under Medicare and10% under Medicaid. (Squires, 2010)
Healthcare has now become one of the top social as well as economic problems facing America today. The rising cost of medical and health insurance impacts the livelihood of all Americans in one way or another. The inability to pay for medical care is no longer a problem just affecting the uninsured but now is becoming an increased problem for those who have insurance as well. Health care can now been seen as a current concern. One issue that we face today is the actual amount of healthcare that is affordable. Each year millions of people go without any source of reliable coverage.
The Affordable Care Act introduced a plan that would allow Americans with pre-existing conditions to obtain health insurance without the hassle of being turned down or fear of being charged higher premiums. The Pre-Existing Condition Insurance Plan was effective as of July 1, 2010. It allowed patient access to affordable healthcare in which they were previously denied due to their pre-existing condition (Affordable Care Act Summary, n.d.). Patients were required to be uninsured for at least six months before they obtained this form of health insurance. In January 2014, the PCIP plans no longer exist due to funding issues so Amer...
One of the most controversial topics in the United States in recent years has been the route which should be undertaken in overhauling the healthcare system for the millions of Americans who are currently uninsured. It is important to note that the goal of the Affordable Care Act is to make healthcare affordable; it provides low-cost, government-subsidized insurance options through the State Health Insurance Marketplace (Amadeo 1). Our current president, Barack Obama, made it one of his goals to bring healthcare to all Americans through the Patient Protection and Affordable Care Act of 2010. This plan, which has been termed “Obamacare”, has come under scrutiny from many Americans, but has also received a large amount of support in turn for a variety of reasons. Some of these reasons include a decrease in insurance discrimination on the basis of health or gender and affordable healthcare coverage for the millions of uninsured. The opposition to this act has cited increased costs and debt accumulation, a reduction in employer healthcare coverage options, as well as a penalization of those already using private healthcare insurance.
Healthcare has been a topic of discussion with the majority of the country. Issues with insurance coverage, rising costs, limited options to gain coverage, and the quality of healthcare have become concerns for law makers, healthcare providers and the general public. Some of those concerns were alleviated with the passing of the Affordable Care Act, but new concerns have developed with problems that have occurred in the implementation of the new law. The main concerns of the country are if the Affordable Care Act will be able to overcome the issues that plagued the old healthcare system, the cost of the program, and how will the new law affect the quality of the health delivery system.
Many people of which do not know, or even understand programs, or funds that can assist them in these situations they are in. People not knowing or cannot afford health care is a huge problem especially considering the fact that many Americans are elderly or suffer from acute disease, disabilities, and even mental disorders. Without proper health care many of these Americans will suffer tremendously and their symptoms may develop even worse without proper medication and help. This cannot be given without affordable health care.
Within the previous four years, the number of uninsured Americans has jumped to forty five million people. Beginning in the 1980’s, the American Academy of Family Physicians (AAFP) has been trying to fix this problem of health insurance coverage for everyone with a basic reform. The AAFP’s plan imagined every American with insured coverage for necessary improved services that fall between the crucial health benefits and the surprising costs. (Sweeney) They expect by fostering prevention, and early prevention, with early diagnosis with treatment, the program would result in decreased health system costs and increased productivity through healthier lives. The way to achieve health care coverage for all is pretty simple. This country needs the United States congress to act out legislation assuring essential health care coverage for all.
The United States spends vast amounts on its healthcare, while falling short of achieving superiority over other developed nations. One cannot overlook that the deepening recession has left many without jobs and therefore lacking health insurance. According to Fairhall and Steadman, (2009), even though the recession is hard on all, it is worse on the uninsured due to health care and insurance cost rising faster than incomes. Nevertheless, even those with jobs are lacking in health insurance due to employers, who provide insurance, are increasingly dropping their sponsored insurance. Many find that purchasing a health policy or paying for medical care out-of-pocket is cost prohibitive. “Since the recession began in December 2007, the number of unemployed Americans has increased by 3.6 million,” (Fairhall & Steadman, 2009). In 2009 it was stated that approximately 46 million Americans were uninsured, however not all of that number is due to the inability to afford coverage. According to a 2009 story written by Christopher Weaver of Kaiser Health News, 43% of that number should be classified as “voluntarily” uninsured. This subset of uninsured Americans consist of nearly half being young and healthy; therefo...
The CASW Code of Ethics outlines a number of values that guide the social work profession. These include (1) Respect for the Inherent Dignity and Worth of Persons; (2) Pursuit of Social Justice; and (3) Service to Humanity (CASW, 2005a). The first value of Respecting the Inherent Dignity and Worth of Persons advocates for the protection of individuals because it encompasses the right to self-determination, human rights, and the right to informed consent (CASW, 2005a, p.4). Notwithstanding, one principle found in this value also supports the protection of society, encouraging social workers to "... uphold the right of society to impose limitations on the self-determination of individuals, when such limitations protect individuals from self-harm and from harming others (CASW, 2005a, p.4). This first value from the Code of Ethics makes it confusing for social workers because it guides them to advocate for human rights and self-determination, while justifying limitations in order to prevent harm to the individual or society.
Until Obama-care, The United States was one of the only developed nations that did not provide some sort of health care for its citizens. To most other nations that do provide healthcare, it is because it is considered a human right that all people should be entitled to. That hasn’t been the case in America, however, where only those who could afford it could have healthcare plans. Those who stand to gain the most from universal healthcare are the already mentioned 45 million americans who currently don’t have any form of healthcare. For many of these individuals, there are many obstacles that prevent them from gaining healthcare. 80% of the 45 million are working class citizens, but either their employer doesn’t offer insurance, or they do but the individual can n...
According to the most recent numbers posted by the Census Bureau, an estimated 47 million Americans are uninsured. But let us examine these numbers closer. Of this 47 million, roughly 7 million are illegal immigrants, 9 million are on Medicade, 3.5 million are eligible for healthcare but do not pursue these available health services, and approximately 20 million families have incomes above the poverty level ($41,300 for a family of four) and can afford regular healthcare services with more coverage. Government tries to add all these factors together to make the numbers higher, in an attempt to gai...
There are huge impacts of the rising costs. Many people can not afford health insurance. Of the families that do have health coverage, 50 percent are concerned about having to pay more for that coverage in the future, while 42 percent fear they will not be able to afford coverage at all. (National Coalition on Healthcare, 2005, Facts on heal...
Peterson, Mark A. "It Was A Different Time: Obama And The Unique Opportunity For Health Care Reform." Journal Of Health Politics, Policy & Law 36.3 (2011): 429-436.Academic Search Complete. Web. 23 Mar. 2014.
The National Association of Social Workers, NASW, considers the following as its six most core values; service, social justice, dignity and worth of the person, importance of human relationships, integrity, and competence. The value of service is considered to be a core value because offering help to those in need is a crucial goal for all of those looking to practice in the field of Social Work. These services can include, but are not limited to, addressing social problems, helping those in need, and volunteering their knowledge to those who cannot otherwise afford such help. Social Justice is also an important core value for a Social Worker to develop. As a Social Worker one will encounter many people from several different walks of life, no two cases will ever be exactly the same. Some of these walks of life can leave a client vulnerable, defenseless, exploited, oppressed, and troubled. Therefore it is important to learn what Social Justice is, and how to help people from falling victim to injustice. Dignity and Worth of the Person is one of the most important values that one should uphold. People who need the help of a Social Worker many, but not all, times feel powerless, embarrassed, and worthless because they feel as though they cannot control aspects of their life an...
Health insurance facilitates entry into the health care system. Uninsured people are less likely to receive medical care and more likely to have poor health. Many Americans are foregoing medical care because they cannot afford it, or are struggling to pay their medical bills. “Adults in the US are more likely to go without health care due to cost” (Schoen, Osborn, Squires, Doty, & Pierson, 2010) Many of the currently uninsured or underinsured are forced accept inferior plans with large out-of-pocket costs, or are not be able to afford coverage offered by private health insurers. This lack of adequate coverage makes it difficult for people to get the health care they need and can have a particularly serious impact on a person's health and stability.