The instruction to follow is in the browse files. 0 plagiarism.

Question 2:  What can providers or organizations overall do to help ensure their income is -reliably- stable in those situations?

Forum 1: There are numerous types of payor sources throughout mental health organizations. One type of payor source is Medicare and Medicaid. The Department of Health and Human Services (2021) explains that this insurance option was created to assist low-income individuals to have health care options, provide choices, and allow patients and doctors stay in control of their health care. Medicare is a supplemental insurance for adults 65 years and older or disabled individuals. Medicaid is health care coverage for low-income families, pregnant women, children, adults, and disabled individuals. 

 One positive aspect of Medicare and Medicaid is that in 2021, reducing prescription drug costs continued to be a priority. According to The Department of Health and Human Services (2021) the Center for Medicare and Medicaid Services have finalized changed to the Part C and Part D plans in order to allow beneficiaries to choose plans that better fit their needs such as providing physicians with drug cost information. One of the negative aspects of this type of payor source is an increased amount of funding is continuously needed from year to year. The Department of Health and Human Services (2021) explains that the budget estimate from 2019 was $411,083,971,000, 2020 was $411,120,275,000, and 2021 was $453,807,174,000.   

Another type of payor source is grants. Grants are non-repayable funds or products given by one group to another group. The Department of Health and Human Services (2021) explains grants are being used to combat major issues throughout the country. Some grants being funded include: State Opioid Response Grant, Community Mental Health Services Block Grant, Suicide Prevention Activities, and Certified Community Behavioral Health Clinics Expansion Grants. Grants allow organizations to receive large sums of money to address a particular issue.   Organizations must apply for grants in order to receive funding. Jiahuana (2016) explains that organizations competing for grant funding is the biggest obstacle for them to receive funds.            

References    

Department of Health and Human Services (2021). Retrieved from https://www.cms.gov/About-CMS/Agency-Information/PerformanceBudget/FY2021-CJ-Final.pdf  

Jiahuana, L. (2016). The Philanthropic Consequence of Government Grants to Nonprofit Organizations. Retrieved from https://eds-a-ebscohost-com.proxy-library.ashford.edu/eds/detail/detail?vid=9&sid=eae6196c-1923-43db-8f71-d115918b52bb%40sessionmgr4007&bdata=JnNpdGU9ZWRzLWxpdmUmc2NvcGU9c2l0ZQ%3d%3d#AN=edsgcl.454072776&db=edsgao 

Forum 2: With the many different mental health clientele payer sources and each one doing something different as far as mental health. The two payer sources I choose were Private Insurance and Traditional Health Insurance.

Private Insurance is something that is utilized through your employer or sometimes through the hospitals if you don’t have any at all. Some individuals think that it is a part of the federal or state Government process, but it is not. It is actually private insurance that is utilized by a private organization or entity so that people will be able to afford their doctor visits, and medical care so that they can get the care that they need for their well-being. Private insurance is also given to the employer or employees to benefit themselves, and also help them utilize for expenses they may have which is divided between both the employer and employee.

Traditional Health Insurance is insurance that is part of a major system that utilizes the use of copays and deductibles which help individuals, employees or employers pay for the doctor bills, and any other medical things they have to pay for pertaining to their mental health. Utilizing the insurance individuals may have to come out of their pocket to pay for their medical issues financially because some of the things they need may not be covered, if you think about it the traditional health insurance only helps with the basic costs. “A traditional plan allows the employee to visit the doctor of his or her choice and be confident that at least a portion of the care will be paid for” (Massa, S. (1987) There is a lot of money spent on the employees that utilize medical packages. According to Massa, S. (1987) states; “about the state, which spends about $54 million annually on insurance” Doing this utilizes any type of insurance or packages that work for the state due to the HMOs they provide to the employees. A certain amount of money is used for a decrease in the patient’s care depending on the doctor they are given.

REFERENCE:

 Massa, S. (1987). Employee health-care benefits. Indianapolis Business Journal, 8(2), 8. Retrieved from https://search-proquest-com.proxy-library.ashford.edu/trade-journals/employee-health-care-benefits/docview/220600802/se-2?accountid=32521