Speech Health Care Essay Research Paper Topic
Speech ( Health Care ) Essay, Research Paper
Subject: Health Care Insurance
General Purpose: To carry
Specific Purpose: To carry my audience to believe the United States should hold a wellness attention insurance plan, which eliminates private wellness insurance.
Thesis: The United States needs a national wellness attention insurance plan because the development of private wellness attention insurance and the deficiency of a national program throughout history have lead to a lack in proper wellness attention for many Americans.
In the United States costs for wellness attention are being shifted to persons alternatively of the authorities. As professor Allen Jedlicka of UNI provinces, & # 8220 ; The United States is one of the lone first universe states that does non hold a national wellness attention plan. & # 8221 ; The United States needs a national wellness attention insurance plan because the development of private wellness attention insurance has lead to a lack in proper wellness attention for many Americans. I would wish to first state you why the deficiency of a national plan is a job, why it became a job, and so a simple solution for you to make your portion in non doing it a job in the hereafter.
I. The first point in my address is to inform you why doing 82 % of the United States population get their wellness attention from private wellness insurance is a job ( Raffel 280 ) . There are three chief grounds this causes a job.
a. The first ground this causes a job is the cost of private wellness attention insurance.
I. As Marshall Raffel states & # 8220 ; The costs to the 18 % of the 41 million Americans who do non hold wellness attention are hideous & # 8221 ; ( 270 ) .
1. The cost for exigency room aid can be anyplace from $ 170 for non-urgent attention to 1000s of dollars for patients who are in serious status ( Thompson ) .
a. These costs may really turn people off from acquiring medical attending.
2. If they want to acquire their ain insurance program, there are a figure of companies they can turn to but this is besides really expensive.
3. Ocular Aid:
a. Here is one of the quotation marks for an insurance program.
b. I picked a individual that is 26 old ages old because it gives us an thought of where we will be shortly after college.
I. The individual is married with one kid.
two. I took the highest quoted figure for premium payments and got this for their coverage.
1. As you can see they wear & # 8217 ; t cover everything, and even with your premium, you do still hold to do up to a certain sum for single points.
two. For people with occupations that have a great wellness insurance program, the costs are evidently lower, nevertheless, the Health Care Financing Administration has reported that the figure of people without wellness insurance has been increasing by 1 million a twelvemonth and now there are 41 million Americans without wellness insurance ( & # 8221 ; HMO Advocacy? Costs Down & # 8221 ; ) .
1. Now, if you are believing, good why should we hold a public wellness attention plan- my occupation will likely pay for all of my wellness insurance that is really non true.
a. Today neither employers nor the authorities are able to presume the fiscal load of the surging costs.
B. 54 % of full-time, year-around workers are uninsured
c. 15.8 % of portion clip, year-around employment are uninsured
d. Merely 14.5 % of the unemployed are uninsured because of plans such as Medicaid that are supplied for low income households ( Laham 93 ) .
2. Even though these people have insurance which by and large covers 80 to 100 % of doctor charges, the patient still must pay a deductible which could be anyplace from $ 100 up by $ 5000 and still must pay some of the charges associated with their medicine.
B. The 2nd ground it is a job to hold private wellness attention alternatively of national wellness attention is because the Numberss of people without medical attending are besides hideous.
I. The national Center for Health Statistics indicates that the figure of incapacitated kids who do non have proper wellness attention scope from 15 % to 20 % ( & # 8221 ; America & # 8217 ; s Children & # 8221 ; )
two. The national Center for Health Statistics besides indicates that the figure of grownups from 18-64 who do non have proper wellness attention scope from 18 % to 20 % ( & # 8221 ; Working-age Adults & # 8221 ; )
c. The 3rd ground it is a job is that the figure of retired people need more medical attending than the other two groups and they receive even less than they need.
1. Government wellness insurance plans, chiefly Medicare paid for 55 % of nursing place attention while occupants paid out-of pocket for approximately 45 % .
2. Most nursing place occupants deplete their ain money within the first twelvemonth and have to turn to Medicaid which merely pays about 5 % of nursing place attention, go forthing our seniors without proper attention ( Raffel 275 ) .
II. The 2nd point in my address is to demo you the ground the United States has private Health Insurance plans and non a National wellness insurance plan because of events, which have occurred in the last 100 old ages.
a. The first ground for no national program is based on the history of wellness attention in the United States.
I. In the early 1900 & # 8217 ; s, the chief ground a national wellness insurance program was non adopted because the American medical Association did non desire one.
1. They did non desire one because they would do more money off private insurance because they were able to take the monetary value they charged with no authorities intercession.
a. If you have doubts see this fact:
i. Australia & # 8217 ; s doctors made $ 36,943 in 1989.
two. Canada & # 8217 ; s doctors made about $ 76,541 5n 1989.
three. But American doctors & # 8217 ; mean net income in 1989 was $ 132,300, which we all know by now has wholly gone up by now ( Laham 13-16 ) .
2. Since the AMA had so much money, and so many political ballots, they came up with programs, and addresss which convinced the public that private insurance was the manner to travel, even if the information was non ever the full truth ( Laham 26 )
two. In the 1970 & # 8217 ; s national wellness insurance was brought up as a immense political issue one time aga
in and was turned down one time once more.
1. It was brought up once more because the cost of wellness attention was turning every twelvemonth.
a. The manner the issue was brought approximately was by the Hospital Cost Containment Act, which was a measure that infirmaries would lose a batch of money on.
I. The measure was to merely let people to travel to the infirmary on the recommendation of their physician.
two. The measure was non passed because the republican and democratic parties couldn & # 8217 ; t come to an understanding on what a national plan should really affect.
three. So merely 87 % of the populace was insured.
1. This may sound like a big sum of people but 13 % of the population was unable to acquire any wellness attention, and non all of the 87 % get full coverage ( Laham 38-86 ) .
three. Today, the US is confronting a terrible and quickly declining wellness attention crisis. To take attention of this, there are two separate positions to assist work out the crisis.
1. Clinton and the Republicans want a program, which will vouch everyone to hold wellness attention, and no insurance companies can know apart against people because of wellness position.
a. He besides is seeking to do group wellness insurance affordable for little concern.
2. Unlike Clinton, the Democrats want to do a national wellness attention plan.
a. Making this will lose them a batch of political ballots through organisations such as the AMA and other organisations in the wellness attention industry but if the populace will vote for their thoughts, we could hold a national wellness insurance measure which promises everyone wellness attention in the United States ( Laham163 ) .
B. The 2nd ground for no National wellness insurance program was the development of private wellness insurance.
I. Private wellness insurance was developed in the 1940s.
two. The AMA introduced it and Blue Shield was the first supplier ( Laham 33 ) .
1. The ground the AMA loved it was because private wellness insurance would let for no authorities intercession in which the authorities could implement barriers on the wages of wellness attention suppliers ( Laham 33 ) .
three. Private wellness insurance was developed because person could do a net income off of it.
1. Private wellness attention ever makes a net income ; the companies make certain that they can non manage cost-losing causes ( Raffel 298 )
a. Does this truly sound like a good program for a state?
III. The last point in my address is that in order to guarantee everyone in the United States proper wellness attention, a National Health attention program will necessitate to be developed.
a. Almost every first universe state has a national wellness attention program, and if they are able to implement it, why couldn & # 8217 ; t we?
I. The reply is that we can!
B. If we implement a national plan we will cut authorities costs every bit good as the populaces costs
I. From Facts on File of 1998 it was shown that the United States spent 224.7 billion dollars on uninsured people and for the aged.
1. If a national wellness insurance plan is implemented, wellness costs will be cut because the authorities will hold some say in the monetary values of infirmaries, physicians, and other medical utilizations.
c. Not merely will costs be cut but besides the figure of people that can have wellness attention would increase.
I. If a National plan is implemented, every citizen will be entitled to wellness attention.
1. So 20 % more of the states kids will hold proper attention every bit good as 25 % more of the states grownups.
d. It would be hard to implement a plan for the United States but it would be a batch easier to acquire the action started if the populace were to vote for a national program.
I. Now that you know more about Health attention it & # 8217 ; s reasonably simple for you to make your portion.
1. When you vote, you can vote for politicians with thoughts for wellness attention plans you agree with.
2. If you are of all time polled about how you feel about National wellness attention, think about how much simpler, and even how many kids and grownups you could assist out by merely doing a cheque grade in the right column of a study.
In Conclusion it is obvious we need a National Health attention program. Right now, the Health Care Financing Administration has reported that on the norm, each American spends $ 3904 on wellness insurance. By the twelvemonth 2007, this sum will approximately duplicate to $ 7100 because of the deficiency of regulations regulating the monetary value of wellness attention. ( & # 8221 ; HMO Advocacy? Costs Down. & # 8221 ; ) . Because of a quickly spread outing uninsured population and the surging wellness attention costs, it is obvious we decidedly have a job with Health attention in the United States. The United States needs a wellness attention plan to increase the wellness of many of the states & # 8217 ; people. So, in order to forestall the skyrocketing of wellness attention, and to assist forestall the illness of many Americans, you can make your portion to seek and acquire a national wellness attention plan implemented.
Does anyone hold any inquiries?
& # 8220 ; America & # 8217 ; s Children. & # 8221 ; National Center for Health Statistics. 1999.
& # 8220 ; Digest with cumulative Index. & # 8221 ; Facts On File Weekly News. 1998.
& # 8220 ; HMO Advocacy Groups Say Managed Care Holds Costs Down. & # 8221 ; Medical Industry Today 17 Sept. 1998: Payer and Provider News.
Jedlicka, Allen D. UNI. Cedar Falls. 8 March. 2000.
Laham, Nicholas. Why the United States Lacks a National Health Insurance Program. Library of Congress: Praeger Publishers. 1993.
Quotesmith.com, Inc. 2000. Online. Internet. 26 March. 2000. Available hypertext transfer protocol: //www.quotesmith.com/cgi/imd3/ .
Raffel, Marshall W. Health Care and Reform in Industrialized Countries. Pennsylvania State University: Pennsylvania State University Press. 1997.
Thompson, Karen MacDonald and Glick, Doris F. & # 8220 ; Cost Analysis of Emergency Room Use by Low-Income Patients. & # 8221 ; Nursing Economicss May. 17 ( 1999 ) : 142.
& # 8220 ; Working-age Adults. & # 8221 ; National Center for Health Statistics. 1999.
2 Books ( 2 quotation marks )
2 Surveys ( 2 quotation marks )
1 Web Page
1 Facts on file ( 1 quotation mark )
1 Professor ( 1 quotation mark )