ReimbursementHealthcare economics are affected by the push and pull of three participants: the payer, the provider, and the consumer. Consider this example:You work full time for your employer who provides vision insurance as a benefit. Your contribution is $5 a month or $60 a year. Your employer contribution is $10 a month for each employee enrolled.You find yourself in need of new glasses and have fallen in love with the designer $600 frames. Your copay on glasses is 20% for one pair of glasses so your out-of-pocket cost is $120. For your new glasses, the insurance company has to pay the $300 difference between what they collected from you, your employer, and your copay.Clearly, the insurance company cannot do this for every employee every year so they increase rates, which means your employer must increase your contribution as well. In addition, the insurance company adds purchase limits on the maximum it will pay for new glasses or how often it will do so, say once every 2 years.Consider this scenario as it applies to other healthcare costs, copays, and contributions. If we can demand to have the most expensive healthcare solutions, and only pay our co-pay, that impacts insurance companies, employers, businesses, and other patients.In this Discussion, you will consider the point of view of each party-the payer, the provider, and the consumer-and reflect on the impact of health insurance and reimbursement on behaviors.To Prepare:You will be assigned to one of the following three perspectives by your Instructor for this DiscussionHealthcare consumerReflect from the perspective of your assigned role, on how healthcare reimbursement programs, the demand to improve quality outcomes, and access to healthcare impacts utilization and under-utilization in the healthcare market. Post a comprehensive response that includes the following:Describe the perspective you were assigned.Give at least one example of how health insurance may affect healthcare costs, reimbursement, healthcare access, and utilization. Be specific about how health insurance impacts each concept.Explain how aspects of healthcare costs, reimbursement, healthcare access, and utilization might affect experiences with healthcare for the perspective you were assigned. Explain. Be sure to support your Discussion with a reference to course materials or a reference within the last three years.

I am starting an outpatient imaging center. This assignment is based on a new start up business.In this assignment, you will incorporate what you learned in your accounting and finance classes to estimate your required start-up funding and financial projections. Download the Excel budget template and create a sample budget for one year that you will take to a commercial lender when applying for a start-up loan for your business. You may request a start-up loan in the amount of $0 to $500,000, but the loan can be for no more than $500,000. Excel (budget) portion of assignment:Download the Budget Template that has been provided to you. You will notice that the 12 months of the calendar year have been inserted for you, as have the categories of Revenue and Operating Expenses. Prepare a 12-month annual budget by doing the following:Under the Revenue section, list the payers from whom you will receive revenue. For ease of developing this budget, list no more than five payers. For example, this may include sources such as Medicare, Medicaid, and other—from which other payer groups will you receive reimbursement? Under the Operating Expenses section, review the list of expenses that has been provided to you. Delete any expenses that will not affect your business and add any additional expenses line items that you believe are needed in your type of business.Be sure to NOT delete the Loan Payment line item, as this is the amount of money that you will pay back towards your loan each month. Assume that the loan is received on January 1st and the first loan payment is also due in January. Insert numbers for each month for all line items and to totals for each month in each section. How much revenue do you expect will come in from each payer source each month and what will be the total revenue for the month? How much money do you believe will flow out of the business in the form of expenses each month and what will be the total of all expenses? Be sure to use Excel to total all rows and columns. Be realistic here! Conduct external research, as needed, to determine what figures should be inserted for each line item. For example, if you start a two physician medical practice that also employs one nurse, one medical assistant and an office manager, what would be the total salaries for all of these individuals? The annual salary figure for each individual must then be divided by 12 (for 12 months in a year) to determine your monthly total salary expense.Using the Excel features, build a formula for the Net Income/Net Loss row to see if you will be earning a profit or a loss for each month of the first year. Insert your tax (month by month) totals. Then calculate your Net Income Total (month by month). Narrative portion of assignment:Prepare a two-page paper (on a separate Word document) summarizing your financial needs and discussing any assumptions or limitations of your budget. Be sure to also address any unexpected things that might occur (downturn in the economy, policy or legislative changes to insurance, etc.). This written narrative will be given to the commercial lender in support of your application for the loan, along with your pro forma Excel budget.

Analyzing Current Fiscal PolicyFiscal policy is the government’s use of government spending and taxes to influence the economy. For this task, you will choose one tool of fiscal policy—either government spending or taxes—and complete the activities below.Part AWhich tool did you choose?Part BDo you think this tool should be increased or decreased to help the economy?Part CUsing an Internet search engine, find a website or an article that shares your opinion and copy the URL in the space below. Keep in mind that it might take you some time to find a good article, so don’t automatically take the first one you find.Part DList three main points from the source you found that explain the author’s reasoning.Part EBased on what you have read, what bias might the author bring to his or her opinion?Part FUsing an Internet search engine, find a website or an article that expresses the opposite to your opinion and copy the URL in the space below. Keep in mind that it might take you some time to find a good article, so don’t automatically take the first one you find.Part GList three main points from the source you found that explain the author’s reasoning.Part HBased on what you have read, what bias might the author bring to his or her opinion?