Healthcare Issue Paper Analysis

ISSUE PAPER ANALYSIS

Student Name: xxxxxxxx

Course Title: HCM 560 – Health Services System, summer 2016

Date: 07/26/2016

Bibliographical References:

Fuchs, Beth C. Inquiry - Blue Cross and Blue Shield Association38.2 (Summer 2001): 177-92

Subject: Employee’s health insurance

Issue/Problem: Discuss your or someone else experiences with health insurance that was provided through a job. How did you or whoever you selected obtain the insurance? Did you pay part of the premium?  Were there deductibles or copayments? How many choices of plans did you have? What happened if you left your job? 

Discussion: I might want to share my own experience to clarify the Employee’s health insurance. I worked for Global Benefit Group Ltd Company. It is a medical coverage organization and their head quarter is located in California. When I joined the organization, I was qualified for medical coverage of $3500.00. My spouse, children (assuming any) and my parents were secured under my coverage. Premium of $25.00 were deducted from my pay for my medical coverage. I didn't have deductibles and copayments and the coverage was just for inpatient cases. It doesn't cover my outpatient visits. To be precise, I didn't have any option on choices of plan and it was a default plan for the whole staff. Amid my pregnancy my specialist visits, ultra sound scans and drugs were my out of pocket costs. The doctor's facility I pick was not in network with my medical coverage plan. After my delivery, my child was diagnosed to have hepatitis and was on phototherapy for two and half days. I initially paid my entire hospital stay expenses and had to claim it later. I was covered in full for all my expenses during my hospital stay. After my resignation, I was no more eligible for my health insurance coverage.

Recommendations or Lessons Learned:

As per my personal experience, I feel that it would be better if employees had options to choose the plan that fits their need better. That...