Health Insurance
Nothing is more precious to us than having good health. Everyday people are getting more aware of the importance of having good health in order to be able to l8ive life to the fullest. But as the saying goes nothing is certain in this world, we will always have uncertainties and surprises good or bad in our life. We do get sick once in a while flu or even some major illness, or get ourselves involve in accidents. What ever the case may be these events when they happen to us could deplete our savings or even push us to bankruptcy. With the rising cost of hospital fees, laboratories and doctors’ fees it is now expensive and complicated. This is where health insurance could benefit us all. Yes, health insurance may cost a lot but having no health insurance at all cost more. Medical bills incurred from an accident could burn a hole in your savings. And in cases of cancer treatments, with all the doctors’ check ups, laboratory tests, and chemotherapy that one has to go through it could ruin you financially.
Health insurance could help you pay for the cost of a regular medical check ups, surgeries, contact lenses and glasses and even emergency treatments. There are two basic kinds of health insurance plan, the indemnity plan and the managed care plan. Indemnity plan is also called the fee for service plan. It has wider freedom and flexibility in the choices of the insured. He gets to pick the doctor, hospital and laboratory and other medical service provider of his choice. As long as the medical service is included in the health contract. But, the catch is the plan doesn’t pay for the entire charges, instead the insured shoulders the 20 % of the payment. This kind of plan covers only illnesses and accidents but preventive care like flu shots and birth control are not included. And coverage of the cost of prescription drugs and psychotherapy will depend on the policy and the company.
Managed Care Health insurance differs from the indemnity plan in a lot of ways. First, choice of doctors, hospitals, laboratories and other medical service provider is
limited to only those who have contracts with the HMO -Health Maintenance Organization–.Medical services is received only if authorized by the plan. If you insist on engaging on non authorized medical service provider then the cost of service or care provided will not be paid by the company. Preventive care and mental health treatment are covered by the plan.
Due to the rising demands for better and wider health insurance coverage, the health insurance is offering hybrid plans. Wherein, they combine the benefits of HMOs and indemnity coverage. The method is you can use the network of medical service providers that have contracts with the HMO but you are allow to choose someone outside of the network and pay for a higher percentage in the fee.. Managed Care plan also allows open access theory, where one can see a network medical specialist without any referrals from HMO.
You need to decide carefully in choosing the right health insurance plan for you and your family needs. You need to have a careful evaluation on what your family needs and extensive research for the right health insurance company that will provide for those needs. Keep in mind that the lowest premiums don’t really mean it’s the cheapest plan. Remember the cheapest plan is the policy that will give you the best benefits that your family really needs in case of emergencies and illnesses.
Public Health: The Nature and Scope!
Public health looks into activities which ensure that public health is maintained and that health of members of the public is not affected in any way. It deals more with preventative rather than curative aspects of health. Therefore, it addresses various issues related to the country’s entire population and does not confine itself to individual health alone. Various sub-fields are behavioral,occupational, social, environmental, biostatistics and also epidemiology.
The role of a public health professional is to examine its levels in various aspects of society, thereby understanding different arenas of personal choice in the community and also look into environmental factors that affect and govern general health to develop proper programs can properly protect family and community health.
Public health professionals can come from varying fields such as teaching, journalism, lab science, social workers, and attorneys and not only do they serve the local community, they also serve the national and international community. Job opportunities for a professional are varied ranging from being food inspectors to health educators to epidemiologists.
Many people consider public health professionals to be the same as clinical professionals such as doctors and nurses. It should be noted that there is a definite difference between them. Professionals are more concerned with implementing educational programs, administering services and carrying out research activities that deal with maintaining health, while clinical professionals deal with the prospect of coping with disparities.
Health professionals play a large role in maintaining and improving the state of health and this can be seen in the kind of achievements that society has witnessed in the 20th century. For example, around life expectancy has increased, child mortality has decreased and the spread of communicable diseases has certainly come down.
Mental Health
Mental Illness
In America, mental health has grown at a tremendous rate. Increased heavily since the start of the Industrial Revolution, alcohol, drugs, social networking systems (Facebook, MySpace), and other factors have all influenced our lives in profound, negative ways. Current generations are becoming more exposed to outside strain to conform, only to realize that the great American social system that the media has created as a poster image for ourselves to follow is only a mere reflection of the inequalities that plague us today. As social strain is felt all around, the pressure to fit in is now even greater than before. Statistically, masculinity has still maintained its overbearing dominance over females, showing how our socially-constructed view on men has changed to a more annoyed, protective role affecting women in high numbers. With additional reinforcements that could be easily avoided and corrected through corporate America, mental illness is around us constantly. Until more education is brought forth amongst future generations, our unawareness and false conformity will have profound mental illness effects, which are seen across our culture today.
Every day, the average American is exposed to 3,000 ads, showing how much of what we learn is garbage and mentally frustrating because of its forcefulness. Assuming most Americans have routine lives, an unhappy setting mixed with the same buildings and torn up roads constantly surrounds us on a daily basis. With jobs and family leaving many individuals stuck in the same routine of helplessness, psychological frustration occurs because of the sad realization of our morphed socially-constructed culture. In the book, the Feminine Mystique (1963), Betty Friedan speaks of the everyday lives American women have while correctly answering why they are so unhappy. Many of the women had college degrees and were married with a couple children, but were stay at home moms with limited roles outside the home forced upon by de facto and de jure policies. Thus leaving many women in a mental and physical prison for generations. In a strange way, we can still relate our lives to the frustration women strongly faced about seventy years ago with the routine of corporate and franchised America all around us.
For the most part, individuals are given limited roles, told what to do, and must take the same path to work every day. It’s a cycle which occurs for everyone inside our mainstream culture. This leads up to our negative view or willingness to accept the boring construct of culture, so we turn to additional negative factors to express or temporarily pleasure ourselves with alcohol, drugs, and social networking systems, etc. to feel a part of something. Many of these factors can lead to negative conjointment within a group if not for just the individual. In the same way Marx speaks of the proliterates that allowed the workers nothing from what they created, except money put back in the system; while Durkheim connects on the anomie-strain of dissatisfaction within contemporary culture. These two believes correlate to how these mental illness’ form across America today. Consequently, these extreme temporary processes which we put ourselves through every day (drinking, doing drugs, expressing our emotions to a machine (Facebook) all create more psychological problems for ourselves because it does not answer or solve any long term problems, and draws us further away from coming together. It detaches us from our true purpose of understanding, while the problems continue to build and affect us all in the long run.