Trends of Insurance Coverage

Choose one of these current trends listed above and address the following questions: What are the positive outcomes of this trend? What are the negative outcomes of this trend? How can these negative outcomes be minimized?

The single biggest positive effect of the growing influence of insurance coverage specifically managed care programs, is that costs stay low (Nevid & Rathus, 2005). By limiting the time of visits, the number of visits, and which physicians can be visited these programs keep costs, and therefore premiums, to a minimum. I don’t know if I would be comfortable with my premiums going up to pay for longer visits for people suffering from psychological disorders. On the other hand, I do believe that those that suffer from psychological disorders should have affordable access to extended periods of qualified psychiatric counseling. As with most health care issues though there are two ways of looking at the situation. Moreover, the negative trends associated with managed care programs center around limited psychological counseling. I guess the ideal situation would be to maximize psychological care for those that truly suffer from legitimate psychological disorders and minimize care for those that suffer from merely the prolonged stress that accompanies normal work. It is important to talk to someone when stress builds up, but I don’t think that the insurance premium pool should pay for it. That is what we have family and friends for.

References

Nevid, J.S., & Rathus, S.A. (2005). Psychology and the challenges of life: Adjustment in the new millennium (9th ed.). Hoboken, NJ: John Wiley & Sons.

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