1. Choose two minutes from the link https://www.youtube.com/watch?v=mAFv55o47ok to develop own research questions concerning linguistic and discourse features
2.Focus on those identified and linguistic features and the research questions you formulated, conduct an in-depth discourse analysis of your data.
3. Your analysis will have to be grounded in one of the theoretical frameworks covered during the course, e.g. (Im)Politeness theories, Stance theories, Othering theories (Power points provided)
Type of service: Academic paper writing
Type of assignment: Team paper
Pages /words: 8/2000
Number of sources: 3
Academic level: Undergraduate
Paper format: APA
Line spacing: Double
Language style: UK English
Health insurance research essay
Health insurance is a form of insurance cover that offers medical, surgical, and dental benefits to the insured in case of sickness. The insured can also be reimbursed some expenses incurred from an illness or injury. When firms are recruiting, they add health insurance coverage as a means of enticing quality employees, with premiums partially covered by the employer but often also deducted from employee paychecks. This essay discusses the four types of medical plans.
- Major medical
Major medical health insurance is a form of health cover that pays medical bills associated with serious illnesses and hospitalizations. Traditionally, the word major medical health insurance was used to describe a comprehensive health benefit plan that was critical for
any household to have because it offered most necessary care. However, this cover does not include limited benefit plan, fixed indemnity plan, dental, vision plans, accident supplements, or critical illness plans. The main reason cited for this is that these benefits are not regulated by the
Affordable Care Act. The major medical health insurance has five plans which include:
a) Health Maintenance Organizations (HMO)
This type of plan offers health insurance coverage for a monthly or an annual fee. It limits member coverage to only the medical care offered through a list of network doctors and other care givers under the contract with health maintenance organizations. The contracts issued
ensures premiums are lower than the normal market rates because the health service providers have the advantage of having clients directed to their premises. When choosing the plan, it is critical to consider cost of premiums, out of pocket charges, requirements in case of specialized
care, and if it’s vital to have a personal primary care provider.
b) Preferred Provider Organizations (PPO)
Under this health plan, medical coverage is offered to subscribed clients at reduced rates by their medical professionals and facilities. The medical and health care providers are referred to as preferred providers and they usually have a contract with the insurance firm to offer their
services at an agreed upon reduced rate (Gabel & Ermann, 1985). In exchange, the insurance companies pay them a fee to access the network of providers. Both the insurance companies and the care givers agree on a negotiated rate for schedules and services. The clients are in turn free
to use the services of any provider within their network. In case of an out of network care, it comes at a higher rate for the insured.
c) Exclusive Provider Organization (EPO)
An exclusive provider organization is an insurance health plan that provides for a large, probably national network of health care professionals for the client to choose from. Unfortunately, should the client have a personal preference of a service provider not in the pool
it is often not covered.
d) Point-Of-Service Plans (POS)
A point of service plan is a form of managed care health plan that offers diverse advantages depending on if the insured uses in network or out of network service provider. This plan combines the benefits of health maintenance organization and the preferred provider organization. The plan represents a minute share of the health insurance market because most insurers prefer to have either the health maintenance organization or preferred provider organization. This plan requires the policyholder to select an in network primary care professional and to acquire referrals from that doctor if they would require specialist’s services.
Additionally, it provides for out of network services, although the policyholder has to pay more than they would if they used the in network services.
e) High-Deductible Plans (HDHP)
A high deductible health cover is a form of insurance cover with minimal premiums and higher deductibles than a normal health plan. This policy is intended to encourage consumer driven health care (Reed, et al, 2009). For instance, anyone in the United States looking at having a health savings account must be covered by a high deductible health plan.
- Qualified Health Plans- A qualified health plan is a form of major health insurance policy that offers all critical benefits of the Affordable Care Act (or commonly known as “Obamacare”). Under this plan, the insured can purchase a qualified health plan if they are eligible for the advanced premium tax credit also called Obamacare subsidy.
- Catastrophic Plans – A catastrophic plan is a form of high deductible health plan for anyone below the age of 30 years or those who qualify for a “hardship exemption”. These plans are designed to ensure the beneficiaries or the insured are covered in the event of an emergency and the costs of seeking treatment is in thousands of dollars.
- Gap (Short-Term) Plans – Gap health insurance is a limited term cover that runs for several months to a maximum of a year. The cover is formulated to help people who need temporary medical protection plans to bridge the gap before they acquire long term ones (Pollitz, et al, 2018). These plans are not common because they do not cover clients with any preexisting condition and they also do not meet the minimum set standards under Affordable Care Act.
Gabel, J., & Ermann, D. (1985). Preferred provider organizations: performance, problems, and
promise. Health Affairs, 4(1), 24-40.
Pollitz, K., Long, M., Semanskee, A., & Kamal, R. (2018). Understanding short-term limited
duration health insurance. Kaiser Family Foundation Health Reform.
Reed, M., Fung, V., Price, M., Brand, R., Benedetti, N., Derose, S. F., … & Hsu, J. (2009). High-
deductible health insurance plans: efforts to sharpen a blunt instrument. Health
Affairs, 28(4), 1145-1154.