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Kyminis Vialet Elizabeth Caruso English 1102-041 9 April 2013 Memo: Health Insurance Premium

To: From: Date:

Beth Howard, Insurance Companies and Doctors Kyminis Vialet April 9, 2013

On August 10, 2009 an article was written for Womens Health Magazine and placed on the Healthcare on NBCNEWS.com website .This article discussed why health insurance prices are so high and also five ways that you can individually lower you insurance prices and premiums. But the real question isnt what can be done individually, but what can be done as a whole. Given the reasons in the article for high prices, some cannot be individual changed. Health Insurance on a whole needs to be revamped in America. Attached you will find my response letter to the article 5 Reasons Health Insurance Costs are so high http://www.nbcnews.com/id/32029403/ns/healthhealth_care/#.UVCASKDrSSp ; written and published in Womens Health Magazine and later on Healthcare on NBCNEWS.com. I will be addressing the issues of big businesses and their management style, doctors and their training, and healthcare in America in general. Through this letter I hope that we are able to realize that there is much more that can be done as a whole. Much more that can benefit the health care system in America.

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Kyminis Vialet Elizabeth Caruso English 1102-041 9 April 2013 CAP Letter In the second proceeding document you will find my CAP letter and my work cited page for this project.

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More Research

1. What is the purpose of your piece? What information do you need in order to fulfill this purpose? The purpose of my piece is a response to an article written by Beth Howard ways to lower your health insurance premiums individually. In order to fulfill this purpose I will need to thoroughly understand the article in which I am responding to and also the subject in general; health insurance premiums. 2. Read over the piece you are responding to. Is there anything in that piece that you do not understand, or anything that you would need to look up in order to fully understand? What more do you need to research in order to speak more intelligently about this subject? In order to fully understand this article a background of insurance premiums and determining insurance rates and coverage based on your doctor visits is needed. I had to research some of this information and I also had to do research on the Obama Affordable Care Act which will be in effect in 2014.

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3. Consider how this piece came about. If you know that this piece stemmed from a true event, what more about the event do you need to know? If you havent found a piece or event that this piece stemmed from, what do you need to research to know for sure that this article was not intentionally part of a fuller conversation? Even if this piece didnt come out of a specific event, from what you know of your subject, what might it be responding to? What else would you need to know to understand this full-circle? This article is about health insurance which has been a problem in America for several years now. When this article was written it was shortly after President elect Barrack Obama was elected into office. One of his main platforms was health insurance. This article most likely could have been a response to what is to come with the newly signed Affordable Care Act. I researched this article but could not find any other lead from which it could have stemmed. I may assume that this article could of been in response to a question asked in the Womens Health magazine for which the author writes for and from. 4. Read over your proposal. Consider what you said youd mention in your piece. In order to do this, what do you need to research? In my proposal I spoke about addressing doctors and insurance companies. In order to do this I would need to know how these companies are run and also understand the copay method for doctors. I would also need to understand how insurance premiums are set and what exactly they go towards.

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5. Read over your introduction. What do you need to research in order to deliver what you promised in your intro? In order to deliver what I spoke about in my introduction. I need to be able to address health insurance as a whole. Also, I have to understand the Obama Affordable Care Act so that I could understand what exactly will be implemented in the future. Lastly I have an understanding of insurance rate and how they are determined

Consider both your intended audience and your unintended audience. Intended audience:

1. What are their interests? What will they gravitate toward in a piece? What do you need to research or do in order to captivate this audience? My intended audience is the author of this piece, doctors and insurance companies. They will be gravitated to this piece because it is about healthcare, their field and is also partly about how they were trained and run their offices and businesses. Being that this is a response article I dont believe that I will need to do much to captivate the audience because they will most likely be reading about insurance and the previous article.

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Unintended audience:

2. There are always unintended audience members looking onto a piece. Who might these people be, and what might they expect from this piece? What do you need to research or include so that they will be able to interact with the piece as well? The unintended audience can be anyone in the public. From this piece they may expect to find out more about insurance prices and what alternatives can be made. In my piece I need to fully be able to explain what I am responding to and why I am responding so that they can understand my response article.

3. In order to fulfill the context and audience components of this assignment, have you looked at examples? If you are placing this article in the New York Times, what do you need to know about this newspaper and who reads it in order to fulfill the CAP components? I have explored the site which it came from, NBC News and also the magazine for which the author works.

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Work Cited Page 5 Reasons health insurance cost are so high NBC News. Beth Howard August 10, 2009 How malpractice insurance for doctors work ehow. John Landers npd Gender gap persists in cost of health insurance nytimes. Robert Pear March 19, 2012