URL: http://youtu.be/qSjGouBmo0M
URL: https://youtu.be/V1D5CzpQDJg
In the 1st Video, John discusses the complicated reasons why the United States spends so much more on health care than any other country in the world, and along the way reveals some surprising information, including that Americans spend more of their tax dollars on public health care than people in Canada, the UK, or Australia. Who’s at fault? Insurance companies? Drug companies? Malpractice lawyers? Hospitals? Or is it more complicated than a simple blame game? (Hint: It’s that one.)
In the 2nd Video, U.S. health care costs are higher than any other country in the world. So what is it about America’s system that makes it so expensive?
After reading chapter 6 on Health Services Financing and watching the videos on Health Care Finance complete the following question.
Directions:
Answer the following questions below. The minimum word count for all three responses (total) to the discussion board question(s) should be 350 words or more (excluding reinstatement of the discussion board questions and references).
1) What is meant by healthcare financing in its broad sense? What impact does financing have on the healthcare delivery system?
2) List and explain one way the United States can decrease Healthcare cost.
3) Scenario: You just got hired as entry level healthcareadministrator and your employer offers two types of insurance plans. A married coworker/employee with two children asks your advice about which plan they should choose. Your coworker/employeereveals to you that their daughter is autistic and requires special medication and counseling. Although you can’t tell your coworker/employee which plan to choose, what advice will you give your coworker/employee about choosing? Explain your reasoning in detail.
-Your experiences may be very helpful and interesting to all of us. However, be sure that you also back up your posts with factual information from the text (when it applies to the initial discussion board question (s) and responses to peers) or other creditable sources. A minimum of one reference is required to support your response to the discussion question and reply to a classmate. You may cite the course required textbook and or other sources in which you have used content from. Make sure your references are in APA format.
Discussion Board Grading Criteria:
Thoroughly answered the question(s): 50 points are possible. A thorough answer will consist of complete sentences, and will address the question while drawing from the text or other credible source. A post that only has one-two sentences is not thorough and does not earn 50 points. Original post to the discussion question must be posted by Sunday 11:59pm(est) of each week.
Correct APA formatted references: 10 points are possible. Please use your text (when it applies to a discussion) or any other credible reference to support your answers, and be sure to cite your sources correctly, following APA guidelines.
Responded to ONE classmate: 30 points are possible. Your responses must be respectful, substantial (include supporting details and facts), and will address your classmate by name. Try having a spirit of inquiry, and feel free to ask questions to further your understanding of the post or to promote further discussion. In addition, make sure you support your response by using references. Your post must be a substantial and posted by Sunday 11:59pm(est) to receive the 30 points.
Spelling, Grammar, Mechanics/formatting, Capitalization and Punctuation at the College Level: 10 points possible
Total Points Possible: 100 points
Remember to post TWO times:-1st Post (response to the discussion question(s).-2nd Post (Response to a classmate)

Attachment contains instructions for Essay 3 assignment in the course “Psychological Foundations of Learning”. MUST be quality work, MUST contain NO plagiarism and I will be checking before final payment is given. Must be APA format and have IN-TEXT CITATIONS. Payment is $5. Due July 12 by 8 pm.

Chosen topic “Stages Of Sleep”Create an annotated bibliography for the topic above to make a Psychology Research Report. Create an annotated bibliography which must include 3 different sources. These sources can include journals, periodicals, books, credible Internet articles (e.g. .org, .gov, or .net), etc.
For each of the 3 sources that you research, you will need to cite the bibliographic information in APA format followed by a summary, assessment, and a reflection. Be sure to use proper spelling and grammar.
No plagiarism please. Must be done in APA format. Due date 05/26/2017 by 12PM Noon.
It is Critical that this be done correctly!!

Acceptable MethodsThis week you dug deeper into your question and revisited acceptable methods for your program. For this discussion, choose one of the following for your post:·         Considering the Acceptable Topics and Methods document for your program, share which method you think aligns with your work and explain why.·         Discuss which methods you see others using to explore this topic. How might these alternative methods fit your work?·         Discuss questions you have about the list of approved methods. How might you get your questions answered?·         As we wrap up this week, share the key takeaway from your program’s list of approved methods that is immediately relevant to your own project.

LECTURE
Unit Objectives
After completing this unit, you should be able to
define moral hazard, adverse selection, and cost-shifting
identify the major public programs for the financing of health care
compare and contrast Medicare and Medicaid
list and describe the four sub-programs of Medicare
describe different reimbursement approaches for health services
Unit LectureWhen asked how health care services are paid for, many of us think immediately of health insurance. However, we typically don’t think about the dynamics behind health insurance or the various types of programs through which it is delivered. At its most basic level, health insurance is a tool for mitigating risk. An individual purchases health insurance to mitigate the risk of having to pay an enormous medical bill in the event of sickness or injury.
Those who provide health insurance—insurance companies—also work to mitigate risk, albeit from the other side. They attempt to create a risk pool containing a large number of healthy people to offset the expenses accrued by those who do get sick or injured. Premiums, the fees paid for ownership of health insurance, are used to subsidize the cost of the health care provided to those who use the insurance.
Factors that insurance companies need to be mindful of include moral hazard, whereby an insured individual is more prone to seek care than if he or she were paying the medical bill him- or herself; and adverse selection, whereby insurance is mainly purchased by those most in need of it. As with any financial enterprise, if the costs of providing the product or service exceed the revenue, the company goes out of business.
There are several types of insurance programs, both public and private. Together, these programs cover not only individual health services, but public health services, research, and the administration of the delivery and financing of health care in the United States. The majority of public and private expenditures—approximately 81 percent—are directed toward hospital care, provider and clinical services, long-term care, and prescription drug provision (Kovner & Knickman, 2011).
As mentioned in the week 4 lecture, health insurance is a relatively new mechanism for financing health services, and it has grown substantially since the mid-1900s, when only 9 percent of the US population had health insurance (Blumberg & Davidson, 2009). Health insurance can be broken down into private and public insurance.
Private health insurance is primarily employment-based, meaning that individuals receive coverage through commercial health insurance plans for which their employers either pay the premiums or subsidize them, with the employee paying the balance.
Some larger employers choose to self-insure, which means that they administer their own plans and accept the financial risk of doing so. In essence, they act as the insurer of their employees.
Some individuals, either through necessity or choice, opt to purchase their own private insurance coverage through a commercial insurance company or to remain uninsured and accept the risk.
Public health insurance is funded by the government and plays a significant role in the health care system. There are several public programs; two of the most prominent are the Medicare program, created through Title 18 of the Social Security Act of 1935 (SSA), and Medicaid, created through Title 19 of the SSA. Both programs are operated by the Centers for Medicare & Medicaid Services (CMS), a division of the U.S. Department of Health & Human Services (HHS).
Medicare is a federally funded program that finances services for people aged 65 and older, people under the age of 65 who have certain disabilities, and people with end-stage renal disease (CMS, 2014). Medicare has four sub-programs: Part A, which covers hospital inpatient services; Part B, which covers provider services and outpatient care; Part C, an optional managed care plan in which beneficiaries can participate; and Part D, which provides prescription drug coverage.
Medicaid is jointly funded by the federal government and each state government. Consequently, there is variation within the program from state to state in terms of eligibility and benefits. Although the states have a certain degree of control over the eligibility criteria, federal law mandates that coverage be available to individuals in families with an income below 133 percent of the federal poverty level. The federal government also sets nonfinancial criteria, such as that coverage apply to those enrolled in the Supplemental Security Income (SSI) program (CMS, 2014).
Some of the federally mandated services provided by Medicaid include inpatient and outpatient services; surgical dental services; nursing facility services for beneficiaries aged 21 and older; and preventive, diagnostic, and treatment services for children. Information on the impact of the ACA on Medicaid eligibility can be found on the Medicaid eligibility website.
Medicare and Medicaid are not the only publicly funded health programs. There is the Children’s Health Insurance Program (CHIP), which is instrumental in financing health services for uninsured children; the Military Health System (MHS), which provides health services to active-duty and retired members of the uniformed services as well as their dependents; the Veterans Health Administration (VA), which provides care to veterans; and the Indian Health Service (IHS), which provides health services to members of American Indian and Alaska Native tribes and their descendants.
Each private and public insurance program has a unique relationship with the health care providers who participate in that program. Each program also has its own methods of determining reimbursement rates for services provided. This week, we’ll discuss not only the basic dynamics of health insurance, but the various types of private and public insurance, the various reimbursement approaches, and some of the ways in which the ACA will impact the financing of health care in the United States.
ReferencesBlumberg, A., & Davidson, A. (2009). Accidents of history created U.S. health system. Retrieved January 28, 2014, from http://www.npr.org/templates/story/story.php?storyId=114045132
Centers for Medicare & Medicaid Services (CMS). (2014). Medicaid eligibility. Retrieved January 6, 2014, from http://www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Eligibility/Eligibility.html
Centers for Medicare & Medicaid Services (CMS). (2014). Medicare program general information. Retrieved January 6, 2014, from http://www.cms.gov/Medicare/Medicare-General-Information/MedicareGenInfo/index.html
Kovner, A. R., & Knickman, J. R. (2011). Jonas & Kovner’s health care delivery in the United States. New York, NY: Springer Publishing Company.
DISCUSSION QUESTION BELOW:
The lecture this week discusses the terms adverse selection and moral hazard. Describe what these terms mean and how they may relate to a component (of your choice) of the Affordable Care Act.