Healthinsurance refers to insurance that covers individuals against thepossibility of incurring expenses. Through estimating the generalrisk of health care and expenditures among a given group, insurersare able to come up with monthly premiums to make sure that funds areavailable to cater for medical benefits detailed in the insuranceagreement. There are health insurance programs that were created bythe United States government to provide healthcare coverage for theelderly and low income earners. These programs are Medicaid andMedicare. Despite the fact that they have been able to improve thewell-being of the citizens, a number of concerns have been raised.This paper describes ways in which health insurance fails as peopleget older, distinguishes between , explainswhether Michigan has expanded Medicaid or not, and gives details whystates would choose not to expand Medicaid.
Waysin Which Health Insurance Fails as People Get Older
Withouta doubt, health insurance does not guarantee that the elderly willget the quality of treatment and care they need. Evidence at everylevel in healthcare delivery puts forward that there is a prevalentunfairness, which is at odds with older people’s best interests [ CITATION All12 l 1033 ].This biasagainst the elderly in healthcare is shown by scores of recentmedical commentaries, clinical studies, and surveys. Some of thereasons why health insurance fails as people get older include thefollowing:
Most healthcare professionals are not well trained in geriatrics to give the ageing patients proper care.
Elderly patients are less likely to receive preventive care than younger patients.
Older people are less likely to be screened or tested for health problems and diseases.
Ageing people are constantly left out from clinical trials despite the fact that they are the biggest users of approved drugs.
Confirmed medical interventions for the elderly are often ignored, resulting in incomplete or inappropriate treatment.
Medicaidrefers to a federal and state program that offers health coverage tolow income earners, while Medicare is a federal program, whichprovides health coverage to individuals with a severe disability andthose who are at least 65 years old. While Medicaid providescomprehensive outpatient and inpatient healthcare coverage includingpersonal care and home care services, Medicare does not. Medicaidcoverage is administered by fifty states, and the rules differ inevery state, while Medicare coverage is administered by the Federalgovernment and the rules are the same across the nation [ CITATION Kai16 l 1033 ].
WhetherMichigan Has Expanded Medicaid
Michiganis one of the states that have expanded Medicaid. The Centers forMedicare and Medicaid Services (CMS) gave Michigan approval toimplement Medicaid expansion in 2015 through Section 1115demonstration waiver known as ‘Healthy Michigan Plan.` Under theHealthy Michigan Plan, Michigan offers Medicaid coverage to everyqualified adult with income level up to 138 percent of the federalpoverty level [ CITATION Kai16 l 1033 ].
StatesWould Choose Not to Participate in Medicaid Expansion
Thefollowing include some of the reasons why states would choose not toparticipate in Medicare expansion:
The expansion would deteriorate the cycle of dependency and slow down economic growth. The coverage imposes a big discouragement on the poor to look for job opportunities since they will not qualify for the program the moment they start earning a better income.
Expanding the program would crowd out higher-quality health coverage sponsored by employers since the number of people with private health insurance would fall.
It would increase premiums for individuals under private insurance coverage. By expanding Medicaid dramatically, a hidden tax would be imposed on those with private insurance.
Medicaid spending would rise dramatically. According to a congressional report, the expansion would cost states further 118 billion dollars through 2023. This additional spending would crowd out state resources [ CITATION Tur13 l 1033 ].
More doctors would drop out since this program pays hospitals and physicians far less than what private insurers pay [ CITATION Tur13 l 1033 ].
Indeed, have played a key role in improving the welfareof the elderly and low income earning citizens in the United Stateshowever, studies have indicated that there has been biasing againstolder persons and a number of states would choose not to expand theprograms.
Alliance for Aging Research. (2012). How Healthcare Fails the Elderly. Washington, DC: Alliance for Aging Research.
Kaiser Family Foundation. (2016, January 8). Medicaid Expansion in Michigan. Retrieved from Kaiser Family Foundation: http://kff.org/medicaid/fact-sheet/medicaid-expansion-in-michigan/
Turner, G. M., & Roy, A. (2013, May 1). Why States Should not Expand Medicaid. Retrieved from Galen http://galen.org/2013/why-states-should-not-expand-medicaid/