Read the following case study scenario:
Small Business and Health Insurance
John asked his wife Liza if they could afford to hire Robert, the best applicant they had found for the boat mechanic’s job they had open. They both liked him very much and his references were impeccable, but there was a problem with hiring him that neither of them wanted to admit.
Business was good for John and Liza, and they were happy to have the resources and customer base to allow them to grow. Joh started his boat repair business six years ago when he and Liza had moved from their previous home in Chestertown, Maryland to Wilmington, North Carolina. Together they had been part of a family-run marina, but had struck out on their own when they wanted to create a more independent life for themselves. Liza managed the books and ran the office, while John negotiated with customers and repaired the yachts. They had already hire three other mechanics and all of them were more than busy since the recession had resulted in more people keeping and repairing their old boats rather than upgrading. The office was so busy that Liza had just hired a young women to help with the paperwork as well.
John was proud of the fact that he was able to provide health insurance for his employees. It was expensive, but the men on his team were young and healthy, and so far he had been able to afford the premiums. He was shocked when he received his insurance rates for the new year, however. The premiums had risen 25% in just one year! When he asked for a breakdown to explain the rise in premium costs, he discovered that because one of the mechanics had turned 30 he was in a new risk group and Mary, the new office worker, was in a high-risk group because cause was 25 and could potentially become pregnant. Finally, two of the mechanics were smokers. All of these factors contributed to the increased premiums.
John definitely wanted to hire Robert, who was well known in the Wilmington areas for being a top-notch mechanic. Robert was having a hard time finding a job, however, because everyone in the relatively small boating community knew his wife was ill and required expensive medical care. John is troubled because he knows that by hiring Robert his health insurance costs will rise, yet again. Robert is a great mechanic, but is he good enough to justify the added expense?
John and Liza have been discussing their options. They could continue to absorb the costs of the health insurance premiums and do nothing. They could encourage the men to quit smoking and provide incentives for them to quit. They could ask the smokers to pay a larger share of their health insurance costs. Finally, John and Liza could contribute a fixed amount to everyone’s premium and allow each individual worker to absorb the additional cost of their coverage. However, this last option may encourage some of the workers to drop their health insurance coverage altogether, which would be the last thing that John and Liza would want for them.
- What are the issues in this case?
- Which of the options that John and Liza are discussing would work best for the company?
- Should Mary be charged more than the young mechanics because she is a woman?
- Should all of the workers absorb the groups increasing costs equally?
- Should smokers be encouraged to quit with incentives or be punished for smoking by increased premiums?
- Should Robert not be hired because of his wife’s illness?
- Why is it harder for a small business to provide health insurance for its workers than a larger business? Use evidence to answer this question.
- What impact, if any, did the ACA have on John, Liza, and other small business owners? Provide a rationale for your response.
Compose a 2 page written application describing the main problems within the scenario, addressing the questions above, and providing information to demonstrate the competencies below in the rubric. Please include a short abstract. The abstract section should just be a few sentences long and state what you will be covering within the assignment (restating the assignment in your own words essentially). Also include a conclusion section please.
| Criteria | Ratings | Pts | ||||
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This criterion is linked to a Learning Outcome1. Ethical Principles to Guide Professional PracticeDefinition: Acting in ways consistent with what society and individuals typically think are good values. Being in accordance with the rules or standards for the right conduct or practice, especially the standards of a profession. Performance Examples: Recognize and manage personal values in a way that allows professional values to guide practice Make ethical decisions by applying standards of the NOHS Ethical Standards for HS Professional Tolerate ambiguity in resolving ethical conflicts Apply strategies of ethical reasoning to arrive at principled decisions Have awareness of one’s own value orientation Have an understanding of organizational values Show an appreciation of client’s values, lifestyles, and goals Demonstrate confidentiality Effectively demonstrate mandated reporting Have awareness of societal values and beliefs threshold: 2.0 pts |
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3 pts |
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This criterion is linked to a Learning Outcome6. Effective Communication SkillsDefinition: The ability to convey and receive information to and from another effectively and efficiently. Human Service Professionals with good verbal, non verbal and written communication skills help facilitate the sharing of information between worker and clients to establish a collaborative relationship with others. Performance Examples: Use effective, sensitive communication skills to build rapport and show empathy towards clients Recognize and adapt to the range of client communication styles Use knowledge of and modes of communication that are appropriate to the communication needs of clients Use effective communication (thinking, non-verbal, listening, and speaking/verbal) in working with individuals, families, groups, organizations, communities, and colleagues both written, oral, and electronically Deal effectively with conflict Establish rapport with clients Clarify expectations with clients Demonstrate active listening and reflective response skills threshold: 2.0 pts |
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3 pts |
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This criterion is linked to a Learning Outcome10. ProfessionalismDefinition: Human Service Professionals serve as representatives of the profession, the mission of the profession, and it’s core values. Human Service Professionals commit themselves to the profession’s enhancement and to their own professional conduct and growth Performance Examples: Proficient in written communication Demonstrate effective oral (verbal and nonverbal) communication in working with individuals, families, groups, organizations, communities, and colleagues Skillful in interpersonal relationships Demonstrate self-discipline and time management Practice personal reflection and self-correction to assure on-going professional development Adheres to professional roles and boundaries Demonstrate awareness of diversity and cultural competency Apply conscious use of self when working with clients/client systems Evaluate and reflect on professional self (journaling, portfolio, or project to demonstrate competency) Demonstrates professional demeanor in behavior, appearance, and communication Engage in opportunities for career-long learning Engage in supervision and consultation Actively engage in self-care skills to reduce burn-out threshold: 2.0 pts |
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3 pts |
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This criterion is linked to a Learning Outcome13. AdministrationDefinition: Performance of executive duties for the effective delivery of services to clients and client groups Performance Examples: Evaluate the process of managing organizations through leadership and strategic planning Analyze supervision and human resource management skills Effectively plan, evaluate programs, services, and operational functions in an agency or organization Develop budgets and monitor expenditures Demonstrate effective grant writing skills Demonstrate effective contract negotiation skills Evaluate legal issues within an organization Recognize and conduct risk management Evaluate ways to manage professional development for staff Demonstrate effective advocacy techniques at the administrative level threshold: 2.0 pts |
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3 pts |
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This criterion is linked to a Learning OutcomeHealthcare Systems and OrganizationsLearn healthcare and medical terminology Understand the levels of healthcare across the continuum of care Have an understanding of healthcare economics threshold: 2.0 pts |
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3 pts |
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This criterion is linked to a Learning OutcomeHealthcare PersonnelHave an awareness of physician roles Identify nurse and allied health professional’s scope of practice Learn about support services within healthcare organizations Understand common workforce issues threshold: 2.0 pts |
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3 pts |
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