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Cm206

In: Business and Management

Submitted By Breda32
Words 488
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Goshen Medical Office
Sherbreda Lofton
Kaplan University
CM107
Misty Thompson
August 10, 2015

MEMO
TO: Healthcare Representatives and Patients
FROM: Sherbreda Lofton
DATE: August 10, 2015
SUBJECT: Healthcare and Medical bills

Healthcare is one of the top social and economic problems facing Americans today. The rising cost of medical care and health insurance is impacting the livelihood of many Americans in one way or another. The inability to pay for necessary medical care is no longer a problem affecting only the uninsured, but is increasingly becoming a problem for those with health insurance as well. The underinsured are those who have health insurance but still struggle to pay their healthcare bills. Many of them are faced with rising health care premiums, deductibles, and copayments, as well as limits on coverage for various services or other limits and excluded services that can increase out-of-pocket expenses.
To consider an individual underinsured is a somewhat general concept which can vary depending on individual circumstances. The researchers at the Commonwealth Fund, however, define the underinsured as “people who spent 10 percent or more of their income on medical expenses (or 5 percent if they were low income), or people who had deductibles that equaled at least 5 percent of the family annual income.” As part of the study, researchers found that the underinsured behave a lot like the uninsured when it comes to medical care. That is, they often don’t visit the doctor, don’t fill prescriptions, and don’t undergo preventive checkups and lab tests. Even when they go without preventive care and necessary prescriptions, many of the underinsured are still unable to cover all their medical expenses.
This has become a issue here at Goshen Medical as well. With our program here within the…...

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