In two separate paragraph give your personal opinion to Tia Heikkinen  and Dalron Mcallister 

Tia Heikkinen 

Community rating of health insurance is when insurance companies rate premiums based on a group of people like families and geography (Teitelbaum, n.d.). Most consumers would prefer to purchase insurance that is part of a large group as it is cheaper than purchasing insurance individually or in a smaller group (Teitelbaum, n.d.). The advantages of community rating in health insurance are that if there is a larger group then the health risk rate is usually at an average which makes the premiums lower than the would be as a smaller group or individually (Teitelbaum, n.d.). The disadvantages of community rating health insurance are that insurance companies also use age and gender when calculating premium costs when using a “modified” community rating (Teitelbaum, n.d.). Which could cause higher premiums for those who are healthier than others (Teitelbaum, n.d.).

In general, the best possible rating method would be community rating rather than experience rating because premiums would be less expensive with a few unhealthy people with more healthy people (Teitelbaum, n.d.). Community rating would also benefit those in a much larger group. If insurers preferred experience rating, then a consumer might have to pay more for the same type of insurance plan another consumer has based on their health risk (Teitelbaum, n.d.).

However, it may be different for that of a young, healthy individual because then their premium may be lower based on his experience rating (Teitelbaum, n.d.). If this individual does not have a higher health risk, then he/she may opt to use the experience rating (Teitelbaum, n.d.). Depending on the health of the older individual then they may prefer experience rating as well if he/she has a lower health risk (Teitelbaum, n.d.). If the older individual has a higher health risk, they may opt to choose community rating (Teitelbaum, n.d.).

References:

Teitelbaum, J.B. Essentials of Health Policy and Law. [Purdue University Global Bookshelf] Retrieved from https://purdueuniversityglobal.vitalsource.com/#/books/9781284158793/ 

 Dalron Mcallister 

Ultimately the government is responsible for those that are uninsured and finding a solution to counter this problem. I believe demographic characteristics such as High blood pressure in African Americans or Hep B outbreaks in some of the Asian countries. These are healthcare demographics that will affect your health coverage. If you present with criteria that shows you will inherit issues that could potentially cause the insurance company money your policy could be higher. The reason your policy may be higher than others of the same age is due to the potential of the insurance company having to pay out money for your care. I believe that insurance should be based on race but off the actual insurer’s health separately. Yes, these pre-diagnosed issues could be potential big payouts for insurance companies, but I don’t think a person should be charged for something that could never occur.

Overall insurance companies should change their methods because they’re outdated and considered racial profiling by some now and days. The government as I stated previously has the final say in all matters about this problem. A meeting between insurance companies reps and the local governments from each state should meet to find solutions that are both legal and ethical based on today’s parameters. 

 

 Now if you were to participate in a foreign experience study abroad program or Peace Corps volunteer work, which country would you choose? 

Why did you choose this country?

 

Any perceptions Have you ever interacted/encountered people from this country here in the US? 

Now, research their culture, history and common health related problems. What did you find? 

Anything fascinating things you learned, any challenges you would likely encounter if you traveled there, any cultural competency or awareness issues? 

Are any of their health problems similar to the ones you see here in the U.S.? 

Are they caused by similar factors (e.g. inactivity, poor diet, etc.)? 

 

Competency

Employ contemporary economic principles that guide resource allocation decisions in health organizations.

Scenario

Upon reviewing the annual budget and fiscal standing of Metropolitan Memorial, the CFO has identified shortfalls that will impact the funding of its proposed expansion into rural communities. In order to secure adequate funding from the Board, the operational team must reduce current operating budget by a million dollars.

Instructions

The CFO requests that you draft a memo to the Board providing justification for the additional funding in light of the shortfall. You should review current literature to support your justification. Your memo should include the following information based on the literature:

• Explain the possible impact of resource allocation within a rural communities .
• Discuss the factors that may affect the quality of care by reducing healthcare resources to accommodate budgetary constraints.
• Discuss a potential service line and five possible ways in which the service line may maximize resource allocation.

Resources

This link has information about writing a memo.

The person is Napoleon Bonaparte 

The topic is : why is napoleon bonaparte important in history.

In the introduction put thesis statement 

I want 5 sources: one primary source

One tertiary source, and three scholarly 

Sources. That’s is important 

One sided printing

Each source in the bibliography must be cited at least once in the paper. 

Ex, author name,year,page number 

After each paragraph you have to put citation : name of author, year, page number.

7 page long 

(One sided printing) that is important 

In the work cited page please i want you to write them with Turabian style. That’s is important.

Note: my professor is focusing on length, sources, documentation.

Note 2: I want you to write it with easy word easy vocabulary 

I am international student. English is a second language for me 

And don’t make it perfect i want normal i want B ok 

So that the professor don’t catch me ok

Please follow all these instructions exactly.

 (Need in 8 hours 100% plagiarism free) 

Read the following essay from Becoming a Critical Thinker (p. 129).  Create a 1-2 page (title page and references page not included) paper in APA format to substantiate your viewpoint (pro or con as it relates to the essay).  Base your paper on the W.I.S.E approach (from Becoming a Critical Thinker, Chapter 2).  Look for errors in thinking and explore viewpoints that are different from those expressed in the essay.  Conduct research to support your viewpoint and include three references in your paper.

How the Media Distort Reality

TV and movie apologists are forever telling us that we have no business criticizing them because they are only holding a mirror up to reality.  Many people buy that explanation, but they shouldn’t.

It would be more accurate to say the media hold a magnifying glass to carefully selected realities—namely, the most outrageous and sensational events of the day, such as the tragic deaths of John F. Kennedy Jr. and Princess Diana, or the trials of celebrities such as O.J. Simpson, Kobe Bryant, and Michael Jackson.

Consider how this happens.  The first platoon of media people report the latest sensational story as it unfolds, squeezing each new development for all the airtime or newsprint it will yield.  Meanwhile, agents and attorneys are negotiating the sale of movie and TV rights to the story.  The sleazier the story, the greater the payoff.  After the movie is produced, every situation comedy, detective show, and western drama builds an episode around the successful theme.

In this way a single despicable, disgusting act—real or imagined—can generate months of sensational media fare.

In short, the media exploit our social problems for ratings, feed us a steady diet of debasing material, celebrate irresponsible behavior, and then have the audacity to blame parents and teachers for the social problems that result.