Health Care Plan

shiccy · Feb 3, 2011

That's like asking what's the best way to make a billion dollars... who knows!

Noob_to_Nursing · Feb 3, 2011

My wild guess...:

CAUSE: Insurance companies make money off of low-risk patients who pay premiums but do not require a lot of health care. Insurance companies lose money off of high-risk patients who need expensive treatment.

EFFECT: Low-risk patients drop off their insurance because they realize they don't really need it being healthy and all. ;-) Insurance companies raise the premiums and it'll be too expensive to try to get insurance.

CAUSE-2: The law requires people to have insurance or pay a penalty. The law also is against refusing insurance for pre-existing conditions so that you can get insurance even if you have a pre-existing condition.

EFFECT-2a: It'll be cheaper to pay the penalty than get insurance. People will then wait until they get really sick to get insurance because they can due to the "pre-existing condition". Insurance companies lose more money due to the accumulation of high-risk patients who get insurance.

EFFECT-2b: It gets to the point where insurance companies can't stay in business anymore and therefore the government takes over health care.

How it affects nurses? I think this will push hospitals even more to have a lower staff count due to having to mostly support a population of high-risk insured patients and therefore there will be a higher-than-typical patient load for the nurse.

Just my 2 cents...please don't kill me...=(

shiccy · Feb 4, 2011

Just my 2 cents...please don't kill me...=(

Why would we? I just am one of those people that isn't into speculating what will happen and would rather not worry about the ramifications until it happens. It's going to happen, whatever will happen, anyways, so why freak out about it? (as many people are from what I can tell). Make as much money as you can, but make DARN sure you have a backup plan if things go ka-put.

Noob_to_Nursing · Feb 5, 2011

I'm a pre-nursing student who's going on a 3rd career change as there was more emphasis on the stability of nursing. But I know, nothing's 100% set in stone. Just gotta roll with the punches.