Response to discussion post


Brianna Hart posted Apr 2, 2020 11:06 PM

Discuss the impact of co-pays and deductibles on demand for health care services for insured individuals.

Co-pays vary between cities, states countries and even continents; they can make or break a company or an individual. If someone is insured and pays for insurance monthly and anytime they need to be seen they have to pay a co-pay, it may deter that particular individual from seeking healthcare depending on that individuals financial situation. In that aspect, the company wins, however if an individual wants to be seen and is financially well off a co-pay should not be an issue, therefor the company loses especially if it’s an expensive visit. Economic theory predicts that co-payment may reduce the individuals demand for health care services by increasing the price paid by the consumer at the time they rendered services. (Houlberg, 2013)

Deductibles are another way to indirectly limit healthcare access by capping it at a certain number. Once an individual caps out and meets the maximum dollar amount allowed, or if they are getting close, they tend to back off the appointments a little bit. However this can cause an adverse effect on less-healthy individuals because by limiting deductibles it inadvertently limits care. Some people are so worried about it they even avoid free services such as mammograms and colonoscopies, mainly because they could be uneducated and not realize these service are free. Without receiving these free services/tests it could potentially lead to more costly services. (Maas)

Works Cited

Houlberg, K. (2013, August). The European Journal of Health Economics. Retrieved April 2, 2010, from How does copayment for health care services affect demand, health and redistribution?:…

Maas, S. (n.d.). the National Bureau of Econoimic Research. Retrieved April 2, 2020, from The Impact of High Deductibles on health Care Spending:

Lisa Kagle posted Apr 2, 2020 10:34 PM

4. What is adverse selection? How do insurance companies minimize its impact on premiums?

Adverse selection is a situation in which individuals of different risk types decide whether or not to buy insurance (Economics, Chapter 16). People who are may have a high-risk job or at more risk to get a type of cancer is more likely to want health insurance but individuals who are considered low risk are less likely to voluntarily buy health insurance.

Health insurance from an employer gives generous employer premium subsidies that lead to higher participation rates, which leads to a larger risk-pool (UMGC, n.d.).

UMGC. (n.d.). Week 3: The Demand for Health Insurance. Retrieved from Theory Through Applications. (n.d.). Chapter 16: A Healthy Economy. Retrieved from…

Having Trouble Meeting Your Deadline?

Get your assignment on Response to discussion post completed on time. avoid delay and – ORDER NOW


Nursing Standards

Nursing and Midwifery Board of Australia. (2018). Code of conduct for midwives.

Clinical Guidelines

Guideline Adaption Committee. (2016). Clinical practice guidelines and principles of care for people with dementia. NHMRC Partnership Centre for Dealing with Cognitive and Related Function Decline in Older People.

Living Guideline

Stroke Foundation. (2022). Australian and New Zealand living clinical guidelines for stroke management – chapter 1 of 8: Pre-hospital care.

Evidence-based practice

BMJ Best Practice

Goldfarb, S., & Josephson, M. (2020). Cystic fibrosis. BMJ Best Practice.

Schub, T., & Cabrera, G. (2018). Bites: Head lice [Evidence-based care sheet]. Cinahl Information Systems.

Beyea, S. C., & Slattery, M. J. (2006). Evidence-based practice in nursing: A guide to successful implementation.

JBI: Evidence summary

Swe, K. K. (2022). Blood glucose levels: Self-monitoring [Evidence summary]. JBI EBP Database.

JBI: Best practice information sheet

Bellman, S. (2022). Experiences of living with juvenile idiopathic arthritis [Best practice information sheet]. JBI EBP Database, 24(1), 1-4.

Cochrane Database of Systematic Reviews

Srijithesh, P. R., Aghoram, R., Goel, A., & Dhanya, J. (2019). Positional therapy for obstructive sleep apnoea. Cochrane Database of Systematic Reviews.

Drug Information

Codeine. (2023, January). In Australian medicines handbook. Retrieved February 2, 2023, from

Colorado State University. (2011). Why assign WID tasks?


Dartmouth Writing Program. (2005). Writing in the social sciences.

Rutherford, M. (2008). Standardized nursing language: What does it mean for nursing practice? [Abstract]. Online Journal of Issues in Nursing, 13(1).

Wagner, D. (n.d.). Why writing matters in nursing.

Writing in nursing: Examples. (n.d.).

Perth Children’s Hospital. (2022, April). Appendicitis [Emergency Department Guidelines]. Child and Adolescent Health Service.

Department of Health. (n.d.). Who is being active in Western Australia?

Donaldson, L. (Ed.). (2017, May 1). Healthier, fairer, safer: The global health journey 2007-2017. World Health Organisation.

NCBI Bookshelf

Rodriguez Ziccardi, M., Goyal, G., & Maani, C. V. (2020, August 10). Atrial flutter. In Statpearls. StatPearls Publishing.

Royal Perth Hospital. (2016). Procedural management: Pre and post (24-48 hours) NPS. Canvas.



Explanation & Answer

Our website has a team of professional writers who can help you write any of your homework. They will write your papers from scratch. We also have a team of editors just to make sure all papers are of HIGH QUALITY & PLAGIARISM FREE. To make an Order you only need to click Order Now and we will direct you to our Order Page at Litessays. Then fill Our Order Form with all your assignment instructions. Select your deadline and pay for your paper. You will get it few hours before your set deadline.

Fill in all the assignment paper details that are required in the order form with the standard information being the page count, deadline, academic level and type of paper. It is advisable to have this information at hand so that you can quickly fill in the necessary information needed in the form for the essay writer to be immediately assigned to your writing project. Make payment for the custom essay order to enable us to assign a suitable writer to your order. Payments are made through Paypal on a secured billing page. Finally, sit back and relax.

Do you need an answer to this or any other questions?

Similar Posts