Order ID 5356363377785 Type Essay Writer Level Masters Style APA Sources/References 4 Perfect Number of Pages to Order 5-10 Pages Description/Paper Instructions
Reply to a discussion about health insurance 250-275 words, APA format, scholarly sources.
Currently, I am enrolled in a preferred-provider organization (PPO) health insurance plan offered by my employer. PPO plans are a type of managed care plan. The goal of a PPO is to provide economical and effective care to patients (Masterson, 2020). My experience with this plan was interesting because this was the first time I was enrolling in my own medical insurance. Another feature that was offered by both my employer and my health insurance plan is a health benefits subsidy application to assist associates who may not have affordable access to healthcare. It offers reduced associate bi‐weekly payroll deductions for coverage & discounts on the PPO plan for eligible associates. Eligibility is determined by family size, annual income and marital status.
There are a few concerns I have with my insurance plan. The biweekly payments as well as the deductibles have increased in the short amount of time. For example, the first year I enrolled the same plan had a $500 deductible and 15% coinsurance plan and now it has a $750 deductible and 15% coinsurance plan. $250 is a large amount to some when you have monthly medications and supplies to purchase to keep yourself or a family member healthy or, in some cases, alive. Another concern is the availability of in-network specialists. It took me months to find a dermatologist in my area that was also in-network with my plan. Then, when I finally found one that was relatively close, I still had to schedule my appointment months out. Also, it is known that PPO’s typically have higher out-of-pocket expenses (Masterson, 2020).
Working in a specialist office, I am aware that these providers can book their new patient appointments out a few months. However, with my plan, my suggestion would be to add more in-network specialists in order to help solve this problem. When there are more providers to choose from in the area, the wait time for each office will be less due to the fact that patients are now split up between each office. In some cases, patients may choose to see an out-of-network provider just to be seen in a timely manner. Another concern I have with this plan is that PPO’s generally trade off the patient’s choice of access to healthcare providers for increased costs (The editors, 2007). I don’t typically believe that this is a fair trade due to the fact that when consumers are most in need for healthcare, they usually do not have an excess of income of money just laying around to pay for it.
References:
Masterson, L. (2020, February 27). HMO vs PPO vs Other Plans: What’s the Difference? Retrieved October 08, 2020, from https://www.insurance.com/health-insurance/difference-between-ppo-hmo-hdhp-pos-epo.html
The editors of, C. R. (2007, Sep 12). Readers pick best HMOs and PPOs. Bucks County Courier Times Retrieved from https://search-proquest-com.ezproxy.trident.edu/docview/392351345?accountid=28844
RUBRIC
QUALITY OF RESPONSE NO RESPONSE POOR / UNSATISFACTORY SATISFACTORY GOOD EXCELLENT Content (worth a maximum of 50% of the total points) Zero points: Student failed to submit the final paper. 20 points out of 50: The essay illustrates poor understanding of the relevant material by failing to address or incorrectly addressing the relevant content; failing to identify or inaccurately explaining/defining key concepts/ideas; ignoring or incorrectly explaining key points/claims and the reasoning behind them; and/or incorrectly or inappropriately using terminology; and elements of the response are lacking. 30 points out of 50: The essay illustrates a rudimentary understanding of the relevant material by mentioning but not full explaining the relevant content; identifying some of the key concepts/ideas though failing to fully or accurately explain many of them; using terminology, though sometimes inaccurately or inappropriately; and/or incorporating some key claims/points but failing to explain the reasoning behind them or doing so inaccurately. Elements of the required response may also be lacking. 40 points out of 50: The essay illustrates solid understanding of the relevant material by correctly addressing most of the relevant content; identifying and explaining most of the key concepts/ideas; using correct terminology; explaining the reasoning behind most of the key points/claims; and/or where necessary or useful, substantiating some points with accurate examples. The answer is complete. 50 points: The essay illustrates exemplary understanding of the relevant material by thoroughly and correctly addressing the relevant content; identifying and explaining all of the key concepts/ideas; using correct terminology explaining the reasoning behind key points/claims and substantiating, as necessary/useful, points with several accurate and illuminating examples. No aspects of the required answer are missing. Use of Sources (worth a maximum of 20% of the total points). Zero points: Student failed to include citations and/or references. Or the student failed to submit a final paper. 5 out 20 points: Sources are seldom cited to support statements and/or format of citations are not recognizable as APA 6th Edition format. There are major errors in the formation of the references and citations. And/or there is a major reliance on highly questionable. The Student fails to provide an adequate synthesis of research collected for the paper. 10 out 20 points: References to scholarly sources are occasionally given; many statements seem unsubstantiated. Frequent errors in APA 6th Edition format, leaving the reader confused about the source of the information. There are significant errors of the formation in the references and citations. And/or there is a significant use of highly questionable sources. 15 out 20 points: Credible Scholarly sources are used effectively support claims and are, for the most part, clear and fairly represented. APA 6th Edition is used with only a few minor errors. There are minor errors in reference and/or citations. And/or there is some use of questionable sources. 20 points: Credible scholarly sources are used to give compelling evidence to support claims and are clearly and fairly represented. APA 6th Edition format is used accurately and consistently. The student uses above the maximum required references in the development of the assignment. Grammar (worth maximum of 20% of total points) Zero points: Student failed to submit the final paper. 5 points out of 20: The paper does not communicate ideas/points clearly due to inappropriate use of terminology and vague language; thoughts and sentences are disjointed or incomprehensible; organization lacking; and/or numerous grammatical, spelling/punctuation errors 10 points out 20: The paper is often unclear and difficult to follow due to some inappropriate terminology and/or vague language; ideas may be fragmented, wandering and/or repetitive; poor organization; and/or some grammatical, spelling, punctuation errors 15 points out of 20: The paper is mostly clear as a result of appropriate use of terminology and minimal vagueness; no tangents and no repetition; fairly good organization; almost perfect grammar, spelling, punctuation, and word usage. 20 points: The paper is clear, concise, and a pleasure to read as a result of appropriate and precise use of terminology; total coherence of thoughts and presentation and logical organization; and the essay is error free. Structure of the Paper (worth 10% of total points) Zero points: Student failed to submit the final paper. 3 points out of 10: Student needs to develop better formatting skills. The paper omits significant structural elements required for and APA 6th edition paper. Formatting of the paper has major flaws. The paper does not conform to APA 6th edition requirements whatsoever. 5 points out of 10: Appearance of final paper demonstrates the student’s limited ability to format the paper. There are significant errors in formatting and/or the total omission of major components of an APA 6th edition paper. They can include the omission of the cover page, abstract, and page numbers. Additionally the page has major formatting issues with spacing or paragraph formation. Font size might not conform to size requirements. The student also significantly writes too large or too short of and paper 7 points out of 10: Research paper presents an above-average use of formatting skills. The paper has slight errors within the paper. This can include small errors or omissions with the cover page, abstract, page number, and headers. There could be also slight formatting issues with the document spacing or the font Additionally the paper might slightly exceed or undershoot the specific number of required written pages for the assignment. 10 points: Student provides a high-caliber, formatted paper. This includes an APA 6th edition cover page, abstract, page number, headers and is double spaced in 12’ Times Roman Font. Additionally, the paper conforms to the specific number of required written pages and neither goes over or under the specified length of the paper. GET THIS PROJECT NOW BY CLICKING ON THIS LINK TO PLACE THE ORDER
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