Implication of Increasing Premium Rates Essays

Implication of Increasing Premium Rates Essays Implication of Increasing Premium Rates Paper Implication of Increasing Premium Rates Paper Medical malpractice insurance should be a necessity for all healthcare providers such as physicians, medical assistants, nurses, and other medical staffs. This will enable them to be protected from liabilities and lawsuits from considered â€Å"negligent acts† such as mistakes, accidents, and oversights that may cause injuries or harm to the patients. These mistakes are unpredictable despite the skills the medical practitioners have (Rodgers). Medical malpractice may either be failure to diagnose, misdiagnosis, improper treatment or delay in treatment. There are many cases of malpractice such as wrong kidney operation, wrong treatment for flu, or wrong eye operation. Claims other than this have been increasing over the past years. Physicians are able to escape such liabilities through medical malpractice insurance. However, premium rates in medical malpractice insurance have been increasing over the past years. In 2003, the General Accounting Office of the United States released a report on medical malpractice insurance and the factors that have contributed to the increase of premium rates. The study was conducted in order to analyze the problem of physicians regarding the increases of premium rates. Physicians were agonizing that they can no longer afford the malpractice insurance and they would be limiting their services, as a result. On the other hand, some insurers stopped selling malpractice insurance because of little profitability (Medical Malpractice Insurance 2003). GAO found out several factors that contributed to the increase of premium rates such as falling investment income and rising reinsurance costs resulting to the increase of total expenses that other premium covers (Medical Malpractice Insurance 2003). The increasing trend in the premium rates of malpractice insurance began in the mid-1970s until the 1980s because of the many claims causing some insurers to stop in coverage. Also, physician-owned insurance companies replaced other liability carriers whose aim was to earn more profit. The trend severed in the 1980s when premium increased much more. In order to regulate the increasing trend, states passed laws to decrease premium rates (Thorpe, 2004). By the 1990s, increases in premium rates continued in several states such as Pennsylvania. The crisis in the increasing premium rates trend caused some large insurers to close down such as the St. Paul Companies. Additionally, processing claims by patients may take more than two years thus making it hard for insurers to set premiums (Mello, 2006). Physicians in West Virginia rallied against the high premiums which slowed down the New Jersey and caused closing of heath services temporarily. There were also follow up rallies in Connecticut and other states (Thorpe, 2004). Obstetricians, gynecologist and neurosurgeons are greatly affected by the high premium rates causing some practitioners to stop providing healthcare services. Martha Drohobyczer, a nurse midwife, for example, was not able to deliver the baby of her three-year long patient who was about to give birth to her first baby. Drohobyczer cannot afford the newly increased malpractice insurance costing $50,000 a year. Therefore, she would not be able to provide the services that her patients needed (Babula, 2002). In 2003, the physician-owned Medical Insurance Exchange of California (MIEC) ended coverage in Nevada. MIEC has been providing insurance fro physicians in Nevada for 25 years. This move by the MIEC was feared to lead the trend of insurance companies closing down (Babula, 2003). Last March 2007, the Americans for Insurance Reform released a report about the stable losses or the unstable rates of medical malpractice insurance. By 2005, physicians paid $13,000 premium with $5,400 direct losses paid. This means that doctors paid $5,400 annually to people who claimed to be injured plus the amount the insurance companies paid for lawyers (Medical Malpractice Inusrance: Stable Losses/Unstable Rates 2007, 2007). References Babula, J. (2002). Medical Malpractice Crisis: Insurance costs driving doctors away. Retrieved October 19, 2007 from reviewjournal. com/lvrj_home/2002/Jan-23-Wed-2002/news/17929548. html Babula, J. (2003). Another insurance firm set to leave. Las Vegas Review-Journal. Retrieved October 19, 2007 from reviewjournal. com/lvrj_home/2003/Jul-31-Thu 2003/news/21845688. html Medical Malpractice Insurance: Multiple Factors Have Contributed to Increased Premium Rates. (2003). ): United States General Accounting Office. Retrieved October 19, 2007 from gao. gov/new. items/d03702. pdf Medical Malpractice Inusrance: Stable Losses/Unstable Rates 2007. (2007). ): American for Insurance Reform. Retrieved October 19, 2007 from insurance reform. org/StableLosses2007. pdf Mello, M. M. (2006). Understanding Medical Malpractice Insurance: A Primer. Robertwood Johnson Foundation, 1-20. Retrieved October 19, 2007 from rwjf. org/pr/synthesis/reports_and_briefs/pdf/no8_primer. pdf Rodgers, D. Importance of Professional Liability and Malpractice Insurance. Retrieved October 19, 2007, from http://profiles. friendster. com/user. php Thorpe, K. E. (2004). The Medical Malpractice ‘Crisis’: Recent Trends And The Impact Of State Tort Reforms. Health Affairs. Retrieved October 19, 2007 from http://content. healthaffairs. org/cgi/content/full/hlthaff. w4. 20v1/DC1

Corrective and Preventive Action Assignment Example | Topics and Well Written Essays - 500 words

Corrective and Preventive Action - Assignment Example This discussion highlights that  since correction demands for frequent follow-ups, experts find it tiresome to implement a correction plan. Hence, a prevention plan allows technologists to implement process and system analysis. Such a strategy helps technologists build in safeguards that would minimize the potential occurrence of nonconformity. For instance, experts can utilize a failure mode and effects analysis to figure out some risks and possible deficiencies. Again, prevention provides opportunities to set some priorities for system improvement and reduce costs. Defect prevention, characterized with earlier detection, makes it cheaper to rectify an identified defect.This study discusses that a corrective plan process helps to identify and document the real source of the nonconformity. Throughout the process, technologists can scan the whole system to ascertain no other identical nonconformity could occur. Although tedious, the correction process makes system designers to estab lish thorough follow-up that would limit the reoccurrence of any defect. The technologists may take precise steps as per the severity of the damage by downgrading the product, recalling the product, or notifying the prospective client.  Currently, there exist several prevention techniques used by specialists in technology management. For example, specialists can install an alarm to provide warnings whenever a process drifts into nonconformity. In this scenario, statistical process control (SPC) charts would act as precise alarms.

Dramatic Literature Analysis Paper Essay Example | Topics and Well Written Essays - 250 words

Dramatic Literature Analysis Paper - Essay Example Each member of the Younger family is driven by the dreams of their own. Mama intends to buy a house of her own while the son, Walter Lee, wants to invest money on a liquor store which, according to him, will solve their financial crisis. Unfortunately, their race and Walters business partners betrayal stand in the path of the fulfillment of their dreams. However, the family sticks together to make their dreams come true. The main characters strive to deal with the tyrannical circumstances inflicted upon them. All the sufferings they endure, fights they indulge in and the frustration that comes out in various ways, including Walters  fights with Ruth, Mama, and Beneatha,   Ruth’s consideration of an abortion and Beneatha dating two very different men, certainly seems to be the result of their intense struggle to attain their dreams. However, the final realization that the dream of a house is most important for it unites the family, exhibits that pride in oneself is the only way to hold on to one’s self-esteem and assert one’s value as a human being. Similarly, Mama’s dedication to the plant is the symbol of her utmost care and dream for her family to move up in the  world. The play A Raisin in the Sun is an intriguing piece of work by Hansberry which describes the importance of family and unity. It is thought provoking as it describes the efforts of a poor black family that, despite the numerous predicaments, choose to stick together to attain a place of its

Question 3 Essay Example | Topics and Well Written Essays - 750 words - 4

Question 3 - Essay Example The religious beliefs of Zoroastrianism go back to the common Aryan, Indo-European source, so Zoroastrian eschatology has parallels in eschatology of other Indo-European peoples. Zoroastrian eschatology and the doctrine of the opposing forces of good and evil had a great influence on various monotheistic religions, including Judaism, Christianity, and Islam. According to Zoroastrianism, the supreme creator Ahura Mazda has defined the term of the universe at 12 000 years (Price). In the first three thousand years, Ahura Mazda created the spiritual world and the light. At this time, the Zoroastrian devil did not contact the spiritual world, as it existed outside of it. Then evil came into the world and it resulted in the universal opposition between Ahura Mazda and Ahriman (the Evil). The remaining 9,000 years Zoroastrians divide into three epochs of the combat between God and the Satan. The last 3-thousand-year period begins at the preaching of Zoroaster. According to Avesta, during these three thousand years three saviors will come. At the end of the century, in the struggle between Ahura Mazda and Ahriman, the evil spirits will gain full authority over the earth, and fill it with all sorts of disasters. When the disasters reach their its climax, the creator of the world will send the first savior named â€Å"Aushedar, the developer of righteousness" (Price). He will do great wonders and call people to repentance. For a short time, people will find peace and prosperity. Thus, his appearance will not lead to the final victory. â€Å"The second saviour is called Aushedar-mah† (Price). People will be drinking water instead of eating the meat. Ahriman and his spirits will lose their power over man. However, after some time the evil will be reborn in the image of a monster named Azhi Dahaka, who will bring suffering and destruction to people. As

Love :: essays research papers

When you think of your past love, you may view it as a failure. But when you find a new love, you view the past as a teacher. In the game of love, it doesn`t really matter who won or who lost. What is important is you know when to hold on and when to let go... You know you really love someone when you want him or her to be happy, even if his or her happiness means that you`re not a part of it. Everything happens for the best. If the person you love doesnt love you back, dont be afraid to love someone else again for you`ll never know unless you give it a try. You`ll never love a person you love unless you risk for love. Love strives in hurting. If you dont get hurt, you don`t learn how to love. Love doesnt hurt all the time. Though the hurting is still there to test you, to help you grow. Dont find love, let love find you. That`s why its called falling in love because you dont force yourself to fall. You just fall... You cannot finisha book without closing its chapters. If you want to go on, then you have toleave the past as you turn the pages. Love is not destroyed by a single failure or won by a single caress. It is a lifetime venture in which we are alwayslearning, discovering, and growing. The great ironyof life is letting gowhen you need to hold on and holding on when you need to let go. We lose someone we love only when we are destined to find someone else who can love us even more thn we can loveourselves. On falling out of love, take some time to heal and then get back on the horse. But dont ever make the same mistake of riding the same one that threw you the first time. To love is to risk rejection; to live is to risk dying; to hope is to risk failure. But risks must be taken because the greatest hazard in life is to risk nothing. To reach for another is to risk involvment; to expose your feelings is to expose trueself; to love is to risk not to be love in return. How to define love: fall but not stumble, be constant but not too persistent, share and never be unfair, understand and try not to demand, hurt but never keep the pain.

Examine the management opportunities and challenges associated with the use Of a named global vegetation system

The global vegetation system that I am going to be using is the tropical rain forest. Tropical rain forests (TRF) are usually found along or near the equator. These are equatorial climates and inn these climates there are no seasons. The TRF has a very large range of species. There are a lot of tropical hardwoods here, such as mahogany, Oak, Ipe and many more. The direct use for people is to burn the wood that they cut down from the tropical rainforests. An indirect use would be to sell the wood on. There are three scales of how humans affect the TRF, small scale is shifting cultivation, on a medium scale there would be plantations and on a large scale the is deforestation. Equally there are challenges caused as a consequence of how we use it. There a number of environmental challenges that humans face. Firstly the climate here, it is hot wet and humid. These conditions make it hard for humans to live there. There can also be disease here, and pests such as spiders, snakes etc. These become a physical challenge for people to over come. The surface of the TRF can become very swampy in places, this means that it can be very hard for people to move around in the TRF. The density of the TRF is immense, it is incredible difficult for people to get into and to move about in there. Shifting cultivation has opportunities for local people. These local people will use the slash/burn method for making a clearing, here they will grow some crops (usually yams). They have hunters/gatherers who will go out and get food from the area surrounding the clearing they have made. They will live in this clearing for around 4 years, by this time the nutrients start to become depleted, this is one of the challenges that they face. Now they have to move several kilometres away and make sure that they are not in the area where they sent their hunters/gatherers. The clearing that they left will start to grow back. These people have now become part of the eco system and are challenging to become the top carnivores. The population has started to explode in these places and has significantly increased. This practise how now become less viable and there is now less opportunities for the clearings to re grow and therefore there is going to be more and more clearings made in the TRF and they wont be getting the chance to grow back. This is one of the big challenges that they will now face. Plantations are on a medium to large scale of how humans will affect the TRF. Plantations are set up by colonies (MEDC's), and multi national companies. They aim to grow the same crop over large areas of land that would have naturally grown there any way such as tea, coffee, rubber etc. A very large area has got to be cleared so that the plantations can operate. The opportunities for a plantation are huge. They can use the plantation all year round due to the climate being ideal (hot, wet, humid) and there being no seasons. They are able to exploit the forest and use it economically by selling off the crops that they produce. And as they produce a large amount they will make big profits. One big challenge that plantations face is the fact that the diversity of species has been replaced and is now a mono culture. Where there was once area of many species, they are now dominated by single crops on large areas of land. Pests and disease in a TRF are controlled, but in a plantation all the plants are the same so if a disease gets in there all the plants are going to be infected. Also the nutrient cycle is going to be affected by plantations. Growing the same crop over and over again uses the same nutrients and we get soil depletion. Plantations are a manipulation of the eco system. Deforestation has a phenomenal affect on the TFF. The tropical hardwoods have a big demand around the world and this is where they get them. They generate good income for the people who are selling them. The demand for these woods leads to a devastating affect on the TRF. The diversity of species inside the TRF is phenomenal, and this causes a big problem. In 1sqkm there may only be one mahogany tree, if this is the tree that is needed the people are not able to just go and get that one. The forest is so dense they have to pull down all the trees in that area to get to that one. This is mass clearance and has a devastating affect on the TRF. When a tree is chopped down it is going to wipe out a lot of trees in the process. As an affect of this deforestation there is going to be soil erosion. When the trees get pulled down the soil is left exposed to the elements. Afforestation is a process, which should take place after deforestation happens. This is where trees are re planted. To conclude what I have written, there is always going to be management opportunities in a tropical rain forest whether it is on a small scale or on a large scale. The affects that these opportunities have on the tropical rainforest varies. On one hand the affects can be minor as in the local moving land in shifting cultivation due to soil depletion. But the affects can also be devastating, as in deforestation where there is mass clearance and an area of the tropical rain forest is destroyed. So there are opportunities but they can come at a big cost to the environment.

Essay about American Global Disinterest - 1137 Words

In an increasingly interconnected world, America remains alarmingly isolated due to cultural rigidity. Though often dubbed a â€Å"melting pot† of people and ideas (Wolff, 2), this is quite the misnomer. Most Americans have no experience with anything outside of the country. In fact, almost 64 percent have never travelled outside their own familiar borders (Fischl, 1) and less than 25 percent can speak a foreign language conversationally (Wolff, 2). This lack of global literacy comes at a high price. In order to thrive internationally in areas such as economics and politics, the United States needs people proficient in the global culture (Altshuler and Skorton, 1). Fortunately, through the cultivation of foreign language, integration of foreign†¦show more content†¦As America is one of the world’s largest and most powerful countries, a crucially important reason to bolster language education is in regards to international relations. Nelson Mandela, the former P resident of South Africa, once said, â€Å"If you talk to a man in a language he understands, that goes to his head. If you talk to him in his language, that goes to his heart.† (Okpomo, 1). America needs politicians, ambassadors, and diplomats who can connect to leaders of other nations on that level; business leaders to promote American interests abroad; and soldiers who can relate to the common people that they are fighting to protect. All of these endeavors require multilingualism. A second example of insufficient imported ideology is the lack of translated literature in the country. In a given year, only a meager 3 percent of the almost three hundred thousand books published in the United States are translated works (Nardone, 1). This number pales in comparison to the 15 percent in France or 12 percent in Germany. The ability of Americans to pick up a copy of the latest work of a Swiss novelist, Chinese philosopher, or Argentine poet is nearly nonexistent. American stud ents analyze and regurgitate the same materials written by American authors, such as John Steinbeck, year after year. Foreign literature not only provides a change of pace, but a change of perspective. Americans are not lacking in literary curiosity, as evidenced by the countless displays in bookstore windowsShow MoreRelatedThe Perils Of Indifference By Elie Wiesel963 Words   |  4 Pagesact upon social and political injustices. In his speech â€Å"The Perils of Indifference†, Wiesel opened up about his past and how it made him realize how important it is to stand up against crimes against humanity. He also discussed the state of the American people and compared their involvement in foreign intervention back to the lack of intervention in World War II. 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