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Family Health Insurance Plans

   

Added on  2019-09-30

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CASE STUDY 1 Assignment CASE STUDY Student Name: Student ID: Course Name: Course ID: Faculty Name: University Name:
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CASE STUDY 2 CASE STUDYThere are a number of health insurance plans which can be suggested to the family. There aremany conditions with the family members which need to be taken care of before selecting an insurance plan. The family can opt for more than one insurance plan to support their condition . In this, we will first take a look at the plans mentioned in the table. Then discuss them one by one and find out which plan is most suitable for the family member. The plan is for a young person. Also, there is a pregnant female in the family. Along with this, there is medication forpsychosis , depression and cholesterol. Plan Main Benefits1)Maternity Insurance planCovers all complications of maternity expenses along with new born baby care. 2)Medicaid Alternative Benefit PlansCovers mental health. Also covers the factors causing mental illness. 3)MedicaidProvides coverage with family of low income4)Community Health CentresSome hospital and health care centres do provide cover regardless the ability to pay5)Medicare Assistance Provide free medicines.6)Foundation for Health coverageIncludes state by state information on different coverage option
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CASE STUDY 3Maternity benefits are one of 10 essential benefits which are covered by most of the insurance plans. It was not a granted benefit before 2014. Only about 12% plans in the markethad the maternity benefit. But now there are many special riders which insurers can opt for along with the maternity plan. Earlier it was only viable to the women who are not pregnant and was not available to the one who had already conceived. But now the maternity benefits can be taken by the women who are pregnant. There are various services covered for the mother and the baby. The outpatient services which will include the antenatal and postnatal care. The lab checkups for various diseases like gestation diabetes , screening and medications are also included. There are services like Inpatient hospitalisation during delivery and the fees of the treating physician are also included in the insurance plan. There are a lot of expenses of newborn baby in the hospital itself. The newborn baby care has also been included in the insurance. As the new mothers required much counselling regarding baby care. Hence in this, the counselling with the physician on lactation is also included. Insurance also provides coverage for rental breast pumps. Maternity Insurance is a mandatorybenefit. The maternal care includes a broad spectrum. It includes regular medical visits to the physician , prenatal testing, nutrition, exercise and test for diagnosis of infections. All these should be there during the pregnancy phase. It is very important to have good nutrition as thissupplies directly the child directly food and nutrition through mother. This also helps in having a healthy lactating phase. There are lot of inequalities in healthcare when it comes to mentally ill patients. The main factor contributing to their ill health is lack of proper treatment and care. There are two laws which are passed in 2008 that created equality for mental health services in Medicare and private insurance. These laws especially meant that coverage for mental health services will
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