Legislative law on child health care insurance

Most current studies have revealed that there are an increasing number of people who are not insured as far as health is concerned. This has been highly contributed by the informal sector where a large number of Americans fall in (Appleby and Steadman 2010). The highest insurer of people is the employer and therefore the unavailability of formalized jobs has made the employer not much accountable for the health of the workers. The government is trying a lot to ensure that all the citizens are covered by the insurance policies which are specifically financed by the government. According to census 2007, there were approximately 45.

7million uninsured people in the country that the entire world observe as the world Economic giant. In this uninsured people, there are children that are dependent on the parent to make effort to have a policy for them. There are policies that are developed with the target consumer as the child; they include Children's Health Insurance Program (CHIP) and Medicaid. The above two policies have been preserved in the recently signed Health bill by president Barrack Obama (Appleby and Steadman 2010). Presently, according to American health data website, there are 8. 1million uninsured children in America.

The figure is this huge due to ignorance that the guardians and the parent have. Statistics have proved that over 50% of the children are eligible for government insurance policies if only they can apply. It is the parent who holds the responsibility of applying for the policy on behalf of the child. If he or she doesn’t apply the sufferer is the child. According to the Child Health web page of the Children’s Defense Fund’s Web site, out of the nine million uninsured children, 40. 8 percent are White, 31. 7 percent are Hispanic, 19. 8 percent are Black, 5. 1 percent are Asian or Pacific Islander, and 2.

6 percent are American Indian or Alaskan Native. This paper will be looking into Legislative law that was targeted for the child in the past Health Bill that was signed on February. 2. 0. THE EFFECT OF THE LEGISLATIVE LAW 2. 1. Health Insurance plans When the bill was accepted and signed into law, the secretary to the U. S. Department and human services wrote to the American health insurance companies and other stakeholders in the sector and gave instructions in line with the signed bill that compelled that regulations will be developed to ensure that a child will have access to the parents’ health insurance.

It also went further to give orders that the insurance policies must cover children’s with pre-existing conditions. The bill can be seen to have come to provide the required guidelines to the insurance companies. The fact that it recognizes that children with pre-condition also require insurance cover is a mile stone to the child sector. The insurance companies are said to have agreed to comply with the direction. 2. 2. The government expenditure The Health bill did preserve the government sponsored health insurance policies that are targeted to the children.

According to the bill the government will continue funding the budget of these programs until 2019. The bill expressly included that the age to be covered by the bill is up to 19years. The impact of the legislation is that the citizens of the country taxes will have to be used to support the policies . The policy also approved that there will be renewed funding commitment to states through 2019. On the other hand the child health department is pushing the government to use the 2009, economic stimulate to improve this child policies like the Medicaid funding to state.

It also want the facility used to assist in providing fair access to insurance coverage for immigrant children and create a long lasting solution to the funding system (Appleby and Steadman 2010). 2. 3. The parent and the society in general Although the bill did not expressly define what a parent should do to ensure that the child has good health care, it has made the services available to the common man and thus has a soothing effect to the parent and the guardian. The entire population will also participate in the campaigns to ensure that children policies are taken to the benefit of the child.

3. 0. REQUIRED PART B 3. 1. The impact of the legislation law The impact of the issue will be felt when the stake holders implement the legislation. To get a better understanding on the advantages that the child will derive when the process is reached, let’s take the effect of danger that an uninsured child is exposed to and discuss on how it will be cured. Children without health insurance are likely to miss the regular / normal heath cares that involve the routine medical checkups. This will give chance for diseases to develop in the body of the child without being noticed.

Most of the diseases are efficiently curable when detected early enough, and may lead to death at latter stages. These children are more likely to suffer these diseases. If the disease does not kill the child, the entire life of the child will be affected by the disease. An example of such a disease is epilepsy, which can be cured at early age but in later development cannot. When the legislation is complied with, it means that the children will have access to the adequate insurance policy and thus they can afford regular check up and reduce the chances of this diseases becoming even more dangerous.

When the child (one who is not insured) gets sick, there is tendency that he will get delayed medical attention. They are also more likely to buy medicines from the shops or chemists for personal medication. The danger with the above two practices is that they may end up using the wrong medicine. These can have a life lasting effect on the life of the child. Some diseases are known to “hind” themselves in the body more so when a medicine is used whether it is the right one or not and manifest themselves later in life in a more life threatening way an example of these diseases include Amoeba .

The reason that is frequently quoted from the parent and the guardians of this children is that they delay the treatment because they don’t have money, with a policy it means that the delay won’t be there and thus the timely treatment will be given (Appleby and Steadman 2010). There are immunizations that are supposed to be undertaken in various stages in a child life. However the uninsured child is at high chances of missing these immunizations; they subject themselves to future chances of contracting diseases.

The diseases that are mostly immunized include polio hepatitis B, diabetes, cardiovascular disease, end-stage renal disease, human immunodeficiency virus infection and mental illness. The uninsured often avoid preventative care which can result in poor medical treatment. When they do seek care, their illness frequently has progressed, so the cost is generally higher because the treatment is prolonged or hospitalization is needed. In many instances, appropriate care is not given because certain tests or treatments are avoided due to cost.

There are lasting effects on the entire society the affected child becomes unproductive in the future and thus becomes more of a liability to the people. This will be adequately be addressed by the bill. 4. 0. REQUIRED PART C 4. 1. The effect of the legislation on the economy Thinking in the short term, the bill will mean that the government will have to spend a little bit high to fund this project, but curing is more expensive than prevention. The Legislative law is made in such a way that it will deter future illness complication from the child. The greatest resource that a country can have is a health population.

When these children grow up, the health of the country will be of quality, the production will be higher. 5. 0. FINDINGS AND RECOMMENDATIONS The responsibility to ensure that children are fully insured lie on the entire population in different capacities. Every one should play His /her role, however noble it may appear. The legislative law can only make sense if we all embrace it and act. On the other hand, prevention is better that cure and as far as policies are adopted to ensure that the country has good and affordable health care services/ policies, prevention should always be the first initiative to that we should all embrace.

A county is dependent on its population for continuity, thus the need for a healthy population cannot be overemphasized Bibliography Appleby, J. and Steadman, K. , (March 22, 2010), Immediate effects of health reform bill Benefits for children, seniors among more than a dozen ‘early deliverables, MSNBC Retrieved on 30th April 2010 from, http://www. msnbc. msn. com/id/35984435