Community rating of health insurance

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In two separate paragraph give your personal opinion to Tia Heikkinen  and Dalron Mcallister

Tia Heikkinen

Community rating of health insurance is when insurance companies rate premiums based on a group of people like families and geography (Teitelbaum, n.d.). Most consumers would prefer to purchase insurance that is part of a large group as it is cheaper than purchasing insurance individually or in a smaller group (Teitelbaum, n.d.). The advantages of community rating in health insurance are that if there is a larger group then the health risk rate is usually at an average which makes the premiums lower than the would be as a smaller group or individually (Teitelbaum, n.d.). The disadvantages of community rating health insurance are that insurance companies also use age and gender when calculating premium costs when using a “modified” community rating (Teitelbaum, n.d.). Which could cause higher premiums for those who are healthier than others (Teitelbaum, n.d.).

In general, the best possible rating method would be community rating rather than experience rating because premiums would be less expensive with a few unhealthy people with more healthy people (Teitelbaum, n.d.). Community rating would also benefit those in a much larger group. If insurers preferred experience rating, then a consumer might have to pay more for the same type of insurance plan another consumer has based on their health risk (Teitelbaum, n.d.).

However, it may be different for that of a young, healthy individual because then their premium may be lower based on his experience rating (Teitelbaum, n.d.). If this individual does not have a higher health risk, then he/she may opt to use the experience rating (Teitelbaum, n.d.). Depending on the health of the older individual then they may prefer experience rating as well if he/she has a lower health risk (Teitelbaum, n.d.). If the older individual has a higher health risk, they may opt to choose community rating (Teitelbaum, n.d.).

References:

Teitelbaum, J.B. Essentials of Health Policy and Law. [Purdue University Global Bookshelf] Retrieved from https://purdueuniversityglobal.vitalsource.com/#/books/9781284158793/

Dalron Mcallister

Ultimately the government is responsible for those that are uninsured and finding a solution to counter this problem. I believe demographic characteristics such as High blood pressure in African Americans or Hep B outbreaks in some of the Asian countries. These are healthcare demographics that will affect your health coverage. If you present with criteria that shows you will inherit issues that could potentially cause the insurance company money your policy could be higher. The reason your policy may be higher than others of the same age is due to the potential of the insurance company having to pay out money for your care. I believe that insurance should be based on race but off the actual insurer’s health separately. Yes, these pre-diagnosed issues could be potential big payouts for insurance companies, but I don’t think a person should be charged for something that could never occur.

Overall insurance companies should change their methods because they’re outdated and considered racial profiling by some now and days. The government as I stated previously has the final say in all matters about this problem. A meeting between insurance companies reps and the local governments from each state should meet to find solutions that are both legal and ethical based on today’s parameters.

 

Identify the pharmacological agents most often used in the treatment of a disease or health condition.

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Create a 10–12-slide PowerPoint presentation to identify medications associated with a chosen disease or health condition, explain the actions and side effects of the medications, and discuss any controversies related to the medications. Explain a treatment regime, including pharmacology, for the disease or health condition you selected, along with how the treatment regime may affect a client’s lifestyle.

By successfully completing this assessment, you will demonstrate your proficiency in the following course competencies and assessment criteria:

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  • Competency 1: Apply practice guidelines and standards of evidence-based practice related to pharmacology for safe and effective nursing practice.
    • Identify the pharmacological agents most often used in the treatment of a disease or health condition.
    • Describe the treatment regime, including pharmacology, most often prescribed for a disease or health condition.
    • Explain the controversies related to a pharmacological agent.
  • Competency 2: Explain the relationship between quality patient outcomes, patient safety, and the appropriate use of pharmacology and psychopharmacology.
    • Explain the types of actions, side effects, indications, and contraindications that may be expected from a pharmacological treatment.
    • Describe how a treatment regime, including pharmacology, may impact a client’s lifestyle.
    • Describe how to monitor a client following a prescribed treatment regime, including pharmacology, in order to obtain a quality patient outcome.
  • Competency 4: Communicate in a manner that is scholarly, professional, and consistent with expectations of a nursing professional.
    • Write content clearly and logically with correct use of grammar, punctuation, and mechanics.
    • Correctly format citations and references using current APA style.

Imagine your supervisor has asked you to conduct a lunch and learn session to educate your fellow nursing staff on pharmacological interventions.

Preparation

Select a disease or health condition that requires pharmacological intervention. You may choose any disease or health condition you wish, but the disease or health condition must be relevant to nurses from a variety of settings (for example: ER, pediatrics, public health, et cetera).

Requirements

Once you have selected a disease or health condition, create a PowerPoint presentation you could use in your lunch and learn session, including the following:

  • Identify the disease or health condition you have chosen, along with the areas where nurses are likely to see it. (Do this in the agenda slide or next slide after the agenda.)
  • Identify the three drugs used most often in the treatment of the disease or health condition.
  • Explain the types of actions, side effects, indications, and contraindications that could be expected from the pharmacological treatment.
  • Describe the treatment regime most often prescribed for the disease or health condition. This should include pharmacology but not be limited to pharmacology.
  • Explain how the treatment regime (including pharmacology) may impact a client’s lifestyle. Consider things such as finances, ease or complexity of administration, instructions (frequency, duration), et cetera.
  • Describe how a nurse should monitor a client being treated for the disease or health condition in order to obtain a quality patient outcome.
  • Explain any controversies associated with the drugs used in the treatment. For example, is there a black box warning with any of the drugs?

Use the notes section of each slide to expand your points or draft your mock oral presentation (or both) and reference your resources. Use at least 3 peer-reviewed or professional resources to support your work in this assessment. Be sure your PowerPoint includes a title slide, a slide with your agenda or list of topics to be covered, and a reference slide. Follow current APA style and formatting guidelines for your citations and references.

Additional Requirements

  • Number of slides: 10–12, not including the title and reference slides.
  • Be creative. Consider your intended audience.

Briefly describe your reasons for pursuing graduate study, your academic background, your research interests (if applicable), relevant professional experience or related accomplishments to date, and your career goals.

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I am applying for PhD in Management Science with a concentration of analytics.

A brief summary of the major in case you need it for the personal statement:

( The Ph.D. program with a concentration in Analytics is well positioned in terms of opportunities for graduates in the career marketplace. Graduates can pursue career options ranging from traditional academia (teaching in schools offering programs focused on analytics) to positions in consulting, industry, and government that require expertise in business analytics, predictive modeling, and management of big data. The program offers opportunities to develop specialized skills involving analytics in fields such as marketing, networks, and supply chain management.)

This is the question that I need to answer should be written in essay format, the statement is between 500-2000 words in length and should include discussion:

– Briefly describe your reasons for pursuing graduate study, your academic background, your research interests (if applicable), relevant professional experience or related accomplishments to date, and your career goals.

Here is some information from my C.V in case you need it for the personal statement:

Education:

– Florida International University.                                        Miami, FL

MBA—Master of International Business                        Jan 2015 – May 2016

GPA: 3.64 out of 4.00

Relevant Coursework:

Masters Seminar Management, International Business Environment, Global Financial Strategies, Managing Global Production and Technology, International Marketing, International Business Law, International Business Policy, Accounting for Managers, Real Estate Markets, and Master’s Project in International Business.

– University of Tampa.                                                                   Tampa, FL

Bachelors of Science in International Business and Management

Jan 2011 – May 2014

GPA: 2.90 out of 4.00

Relevant Coursework:

Business Law and Social Responsibility, Art & Science of Negotiation, Human Resource Management, Global Organizational Behavior, International Business, Principles of Marketing, Business Intelligence & Analytics, Practical Strategic Assessment, Financial Management, Principles of Microeconomics and Managerial Statistics.

Employment:

– Abqaiq Community College

Lecturer at King Faisal University                                          Feb 2017 – Present

Courses:

Principles of Management

Human Resource Management

Human Resources Planning

Organizational behavior

Jan 2004 – Jan 2008y                                                                          Abqaiq, K.S.A

Section Manager and Human Resources Supervisor

Jan 2004 – Jan 2008

• Managed the company’s VIP section/ Project Control Department by reviewing and supervising the progress reports of over 3,000 employees with the help of a VIP team.

• Handled Human Resource issues of more than 3,000 employees.

• Planned and coordinated Aramco group projects in Shybah, Abqaiq, Qatif, and Khursaniyah to expand the company’s international connections.

Training:

Saudi Aramco Company.                                                                 Dhahran, K.S.A

Summer B Training.                                                                            Jul 2016 – Aug 2016

• Personnel department in External Assignment HR Services – Personnel Advisor.

 

Languages:

Arabic: Native language.

English: Fluent.

Skills:

• Strong work ethic with success in both teamwork and individual projects.

• Communication.

• Negotiation and persuasion.

• Problem-solving.

• Team Leadership.

• Perseverance and motivation.

• Ability to work under pressure.

• Confidence.

• Microsoft Office (Word / PowerPoint / Excel).

• Public Speaking.

• Customer Services.

Activities:

• Member of the Teaching Excellence Award in University of Tampa

• Second Harvest’ of Tampa Bay

• Member of the Student Counseling Club in University of South Florida

• Student Ambassador in University of South Florida

• Attendee at 2016 International Academic Business Conference – Orlando, FL.

• Attendee at 2016 International Education Conference – Orlando, FL

• Member of the Academy Organization

• Member of the Saudis in USA Organization

NOTE: ( When I finish the PhD I will go back to my country and I will be Assistant professor at King Fasial University )

Describe the problem/problems that the legislative action is trying to solve or prevent.

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Legislative Action

Description

Healthcare policy has been a critical aspect of political administrations over the past 100 years. Understanding the political process and how healthcare policy has changed over the past century is an important start.

Part I: Write a 2-3 page paper analyzing a minimum of one legislative action that would have an impact on the position and facility you selected. Make sure to include the following:

  1. Discuss the purpose of the legislative action.
  2. Describe the problem/problems that the legislative action is trying to solve or prevent.
  3. Discuss other viewpoints or opposing viewpoints of the action.
  4. This portion of your assignment will require you to research and examine information from various sources. Use a minimum of three credible sources for your paper, with three being an academic source from the Rasmussen College Online Library (don’t forget to include in-text citations throughout your paper with paraphrasing or quoting)
  5. Make sure to include your APA formatted reference page.

Part II: Memos are not a thing of the past. Many organizations use memos as a way to share important information. Write a standard memo to your supervisor highlighting the key points of each arena (Hint: Microsoft Word has many memo templates). SkillSurfer in the online tutoring platform offers beginner, intermediate, and advanced tutorials on Microsoft Office products. Make sure to include the following in your memo:

  1. Discuss why you feel the legislative action chosen best coincides with the position and facility that you’ve chosen.
  2. Discuss your stance on the chosen legislative action and how it impacts the core beliefs and ethics of the facility you that you’ve chosen.
  3. Make sure to use audience specific language and tone in your memo. Remember, you are writing to your supervisor. Also, remember to use correct formatting for a business memo.