HealthCare Essay on Proposed Legislation to Provide for 100% Insurance Cover to Cancer Patients in Florida

Proposed Legislation to Provide for 100% Insurance Cover to Cancer Patients in Florida

Introduction

Cancer is a deadly disease that affects everyone; children, women, and men. In 2013, over 200 cancer cases were reported, and over 50,000 people died of cancer in America according to the center for diseases control (Massachusetts, 1998). Although America has one of the best health care systems in the world, cancer survivors and patients often pay more because the insurance cover for cancer does not meet some of the costs, such as cancer therapy, treatment, and cancer screening. Cancer patients are worried about the limitation on the amount of money their insurance plan covers. Accordingly, amendments should be made to the existing Affordable care Act to provide for 100% insurance cover to the cancer survivors and patients. The law will ensure that health plans available for sale in the market cover crucial benefits, including cancer treatment, follow-up and screening, x-rays, lab work, prescriptions, and imaging studies (Delbrück, 2008). The proposed bill would apply to fully insured cancer patients, such as those who are members of health insurers like health maintenance organizations, Group insurance commission, Blue cross, and Blue Shield.

Evaluation stage-Summary of the Proposed Law

The purpose of the proposed legislation is to expand coverage for cancer survivors and patients in Florida by providing that the health insurers increase the insurance premiums to justify the 100% insurance cover. The law will also provide for payment of the hospital bill for minimum stay in the hospital for people battling with cancer. The proposed legislation will require that cancer treatment incorporate benefits, such as supplies, equipment, complex decongestive therapies, as well as out-patient education and treatment for various types of cancers. Other provisions in the proposed law will be designed to protect cancer patients specifically in Florida by ensuring that there is proper access to the benefits mentioned above. The proposed law will also deter insurers from establishing incentives or reimbursing the providers that lead to inconsistencies in treatment of cancer.

Evaluation Stage-Methodological Approach

The author of the project will prepare surveys to be sent to five fully insured plans and the beneficiaries of the proposed law in Florida. The surveys will include questionnaires, face-to-face interviews, and review of the existing literature, such as issues related to medical efficacy. Research will include identification of the parameters to estimate cost impacts of the proposed law (Longo, Grignon & McMaster University, 2009). The five plans, including Blue Shield, Blue Cross, Unicare and Harvard Pilgrim and the beneficiaries will provide their response that will be useful in determining the implications of the proposed law to both the insurers and the insured. The author anticipates that the proposed law would have significant impacts on the fight against cancer as a result of its requirements. The author will engage consultancy firms, such as actuarial, law, and economic firms to evaluate the economic, legal, and financial implications of the proposed legislation. The consultancy firms will provide the author with written reports after evaluation and review of the implications of the proposed law.

Analysis of the Proposed Law

Several studies have been conducted on the effectiveness of increasing insurance premiums to provide for 100% coverage for cancer patients. The reviews generally show that the law is effective in fighting cancer by increasing access to health care for a higher number of cancer survivors and patients. According to the Massachusetts legislation, complete and decongestive treatments are crucial for cancer patients. Further follow-up care plays a crucial role in the provision of essential benefits provided by health insurers. The major factors that will contribute to the success of the proposed law include the shifting of the out-of-pocket money from the cancer patients to the insurance plans (Longo, 2005). Since the insurance cover will meet all the costs incurred by patients by slightly increasing the premium rate, cancer patients will take advantage of the waiver. Lack of understanding by the cancer survivors and patients of the provisions and scope of the proposed law could hinder the achievement of the objectives of the proposed law.

Revision Stage of the Proposed Legislation

To enact the proposed law, the Federal government of America and the state government of Florida activity will be crucial. Other states, including California and Massachusetts have enforced similar laws that increase the coverage for cancer treatment. Florida government can benchmark with these states to ensure the law is enacted in full. Education and training of the beneficiaries of this law is critical. Most cancer patients may not understand the provisions of the proposed legislation hence may not reap the benefits of the law (Longo, 2005). Educating them on the significance of enrolling for full insurance cover will be useful to in the fight for Cancer in Florida and the larger America. In the past, federal government initiatives focus on establishing standard coverage plans for all diseases. The federal government has the responsibility of concentrating its efforts on provision of full coverage for cancer patients that have claimed many lives in the recent past. Enforcing this law will cut across the entire America and increase access to affordable health care for Cancer survivors and patients (Massachusetts, 1998).

References

Delbrück, H. (January 01, 2008). German policy in rehabilitation of cancer patients. Rehabilitacija Bolnikov Z Rakom, 10-12.

Longo, C. J. (2005). Characteristics of cancer patients’ out-of-pocket costs in Ontario. New York: Humana

Longo, C. J., Grignon, M., & McMaster University. (2009). The value of fixed-reimbursement healthcare insurance: Evidence from cancer patients in Ontario, Canada. Hamilton, Ont: Centre for Health Economics and Policy Analysis, McMaster University.

Massachusetts. (1998). Health insurance status of Massachusetts residents. Boston, Mass.: Division of Health Care Finance and Policy.