Kyminis E.

Vialet
Hickory Hall 9201 University City Blvd. Charlotte, North Carolina 28223 kvialet@uncc.edu

March 20, 2013 Beth Howard Women's Health Magazine 33 E. Minor Street Emmaus, PA 18098 Dear Ms. Howard,

On January 20, 2009 President Elect Barack Obama was sworn in to the white house. During his campaign, one of President Obamas main platforms was health insurance. He decided that too many Americans were without health insurance and thus maid a goal to make it more affordable. In 2010 President Obama signed the Affordable Care Act into law. We are currently in 2013 and still have one more year until this is in full effect. But what will it really do for America? Will insurance truly become more affordable? How much more Americans will now be able to afford insurance? What causes insurance to be so high initially? In your article you discussed five reasons behind why insurance is so high. But these reasons are beyond the publics control. Why is it that doctors are afraid to get sued? Were they not trained properly? Why is insurance higher for females than males? Your article discusses many issues that deal with the training of healthcare providers and also how insurance companies run their business. This article states that five reasons for rising healthcare cost include: Your doctor is freaked about getting sued, Your insurer pushes more paper than Dunder Mifflin, Youre a female, Your insurer would rather pay to treat a disease than to prevent one, Your doctor is paid for how much he does for you not how well he cares for you. This article also notes five ways to lower your costs: Negotiate with your provider, Consider COBRA carefully, Keep records of your health care expenses, Get you insurer to pay for more coverage, and Find an advocate. `
Ben Utley 4/9/13 10:09 AM
Comment [3]: You used a lot of quotes and not very much of your own words. This can make the audience think that you dont have any knowledge about what you are writing about try to refrain from so many quotes and put some paraphrasing into action.

Ben Utley 4/9/13 10:06 AM

Comment [1]: Try to see if you can include another word to replace the word but that will help improve your professional tone through the use of word choice.

Ben Utley 4/9/13 10:08 AM

Comment [2]: Try to refrain from using so many questions. Especially all close together it draws away from what you are trying to convey to the audience and your main point.

Kyminis E. Vialet
Hickory Hall 9201 University City Blvd. Charlotte, North Carolina 28223 kvialet@uncc.edu

Although all of these are nice simple tricks for lowering insurance rates; this still will not solve the problem. Insurance needs to be completely revamped. Why should females be forced to pay higher insurance rates simply because they are females? Why do doctors have such a feared of being sued? And arent doctors supposed to care more about the overall well being of their patients rather than how much money they can make off of someone? The reasons giving for high insurance rates all goes back to proving that greed is money and money is power. Doctors are so concerned with how much money they would be able to make if they continuously make you visit them. Insurance companies are concerned with just running their big business rather than taking care of their clientele. If Americans first learn to value their health and take care of their bodies we will first of all have a healthier community. Secondly doctors need to trust in their training giving in medical school. You should not have such a drastic fear of messing up, if you were trained well, that you have to over-charge patients thus overcharging insurance companies. This is called malpractice. Malpractice is a dereliction of professional duty or a failure to exercise an ordinary degree of professional skill or learning by one (as a physician) rendering professional services which results in injury, loss, or damage. In other words it is a doctors failure to treat a patient properly for a sickness, injury, or other related illness. When they over charge, then, us again the clientele, have a hire insurance premium. This is a never ending cycle. Insurance rates also should not be determined on your gender. It should be determined on your actual health and well being. Not on gender or age or race but your health as an individual. Females are usually forced to pay higher health insurance premiums than males, simply because women age 19-55 tend to use healthcare services more. Women in this age category are in child bearing age and are also more likely to do annual checkups and medical exams. According to several sources, including the New York Times, women pay thirty-one to fifty percent more in insurance premiums than men do. There is a lot that can be done about health insurance weather it is through government regulation and funding, individual ways like the ones mentioned in the article, or a
Ben Utley 4/9/13 10:14 AM
Comment [7]: Who said this?

Ben Utley 4/9/13 10:11 AM

Comment [4]: What wont solve the problem? And use a better word than nice you can do better than that!

Ben Utley 4/9/13 10:12 AM

Comment [5]: Once again too many questions all together it draws away from your main points.

Ben Utley 4/9/13 10:13 AM

Comment [6]: Try to re word this sentence to make it flow better.

Ben Utley 4/9/13 10:14 AM

Comment [8]: The rates

Ben Utley 4/9/13 10:15 AM

Comment [9]: Gender, age, or race.

Ben Utley 4/9/13 10:15 AM

Comment [10]: Ages ranging from

Kyminis E. Vialet
Hickory Hall 9201 University City Blvd. Charlotte, North Carolina 28223 kvialet@uncc.edu

total revamp of the healthcare system. But something needs to be done and soon. We cannot keep allowing people to go without proper medical care simply because they do not have health insurance. Although this article provides individual ways to fix the problem it still wont fix health care in America. Sincerely,

Kyminis E. Vialet