这里是个例子,你看下,内容长时为了方便你明白,但是你可以取其精华用. 　　希望对你有用. 　　ImpactsofSeniorCitizensintheirChoicesforHealthcare 　　IbeganworkingasanIndependentInsuranceAgentfortheSeniorHealthcaremarketover4yearsago.Manypeopletodaywonderwhatthefuturewillholdforseniorcitizensandtheirhealthcareneeds.BybecominganIndependentInsuranceAgent,Ihavelearnedtheimportanceofimprovinghealthcareforseniorcitizens,andthatseniorcitizensareeducatedontheiroptionsandwhatchoicestheyhavewhenchoosingtheirhealthcareplan. 　　Thestudyoftrendsinhealthcareutilizationprovidesimportantinformationandmaydrawattentiontoareasthatmaycallforfutureindepthstudiesbecauseofthepotentialqualityofcare.Healthcareservicesthatareprovidedtoseniorcitizensshouldbeeffective,centeredaroundthepatientandequitable.Itisimportantforthepolicymakerstorecognizethatthepopulationofseniorcitizenswillbeincreasingalloverintheupcomingdecades.Thecurrenthealthcareserviceneedsfortheagingseniorcitizens,andthefutureexpansionofthoseneeds,showtheimportantconsiderationsinplanningoftheserviceprogramsthatareprovidedbythefederal,stateandlocalgovernments.Seniorcitizens,people65andolder,arethemajorusersofhealthcareservices.Amajorcontributortotheincreasedcostofhealthcareforseniorcitizensisexpensesforhomehealthcareservices,suchaslong-termresthomeorhospitalcare.Costofhealthcareservicestoseniorcitizensisincreasingduetotheagingpopulation.Seniorcitizenshavelimitedknowledgeonwheretoobtainprogramsthatwillservetheirneeds.Animportantstrategyforimprovingthehealthinseniorcitizen's,istoeducateandpromoteseniorcitizensthroughouttheirlife. 　　SeniorCitizenspayamuchlargershareoftheirincomeinoutofpockethealthcostthannon-seniorspay.Outofpocketmedicalcostsplaceasignificantburdenonseniors,andthelow-incomeseniorsfaceevenagreaterburden.MedicarePartDdrugbenefitwasdesignedtohelpseniorsinloweringoutofpocketexpenses.MedicarePartDisaprescriptiondrugplantohelpreduceprescriptiondrugcosts,offeredtoMedicarebeneficiaries.MedicareisthesinglelargestpayerintheUnitedStateshealthcaresystem.Sincetheprogrambegan,theMedicarepopulationhasdoubled.Managedcareisasystemofcarethatacceptsresponsibilityforthedeliveryofhealthservicesandthefinancingofcoverage.Inonewayoranother,virtuallytheentireMedicarepopulationisvulnerablebecauseofitsgreaterneedforhealthcareservicesandthehigherhealthcarecoststhatseniorsincurduetotheirageandhealthstatus.Nevertheless,seniorsneedmorehealthservicestohelpimprovehealthcareforthem. 　　Everymonthapproximately200,000Americansturn65andbecomeeligibleforMedicare,thelargesthealthinsuranceprograminourcountry.Medicarebeneficiariesarefacedeverydaywithchoicesaboutthewaytheywillreceivetheirhealthcareneeds.UndertheMedicareprogram,havingthechangingoptionavailablehastheneedtoclearlyinformandeducateseniorsabouttheirchoicesinorderforthemtomakeadecisionthatbestmeetstheirpersonalneeds.Thepurposeineducatingseniorcitizensoftheirhealthcarechoicesisbecausetheconsequencesofapoorchoicemadebyseniorcitizenscanbedevastating. 　　AsanIndependentInsuranceAg