Aida Giachello

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Part of the argument we hear daily about health care reform is that we need to get insurance to those that don't already have the idea.

Really? The reason why?

What about people in their early 20's who don't have medical insurance coverage? Should we make sure they are get insurance, even if they don't want to pay for it? And even if they can't shell out the dough, are we going to force it on them anyway and have taxpayers get the bill?

It appears plainly obvious that people shouldn't waste resources on individuals who either do not want or require a particular service, and it seems like rather peculiar to force it built in. But there's more to the current scenario than you might see at first glance.

Insurance companies actually love thinking about covering young, healthy people. When you have people paying in to a system, but not deploying it, it can keep costs lower for you who is the main plan. This is fundamental to insurance of any kind. The companies who issue insurance coverage count on most people using less service than they are paying for. The individuals who don't use it essentially subsidize people who do.

If this sounds like socialism, then it's socialism manufactured by private industry under some sort of capitalist system.

In the us health care system part of the reason this has separated is that a lot of the healthiest people within our society have opted out of paying for insurance, which ultimately ends up driving up the cost for everyone else. People have established how to game the machine and refuse to pay into it.

This appears like a fair path to take until you realize that people who opt-out are taking a gamble with your towns resources. That's because once they get seriously injured they are going to get treated at a local emergency room whether they have coverage or not. And if they don't have the ways to pay, the hospital will have to absorb the costs (and possibly force the patient into bankruptcy), which raises the fees a healthcare facility charges to those that do pay.

And if you are chronically ill and who cannot get regular medical care because they are uninsured, they will continue to help clog emergency rooms using relatively minor illnesses that needs to be seen by a primary care physician. The crowded ER's could easily keep insured people with being seen for true emergencies - the main purpose of emergency bedrooms.

By addressing everyone, both the healthy along with the infirm, it lowers the chance pool for the insurers and helps to direct resources to where they are most effective.
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Health care systems are experiencing significant changes and stress that want innovative skilled teams. The truth is, incorporated teams, in charge care organizations and medical home models are now being formed and piloted to produce quality patient care at a reduced cost. These health care delivery models will need teams that can work together. This article will discuss 3 plans that teams can implement to figure better together.

Approach 1: Identify the rules of Engagement (ROE)

Teams need to build the standards and expectations that they will follow when they work together. Aida Giachello