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California health insurers discriminate against women, lawsuit contends

December 4, 2009 Leave a comment

This is an article that discusses a situation in which the Department of Managed Health Care approves the idea and puts in place a system that allows insurance companies to charge women higher premiums by 39 percent simply because of their gender.  According the the system, the insurance companies are taking into consideration “gender rating” when coming up with a price for the policy.  The Department of Managed Health Care defends themselves in pointing out that “the rates are in line with state law.”

This may be true, the rates are not illegal but it does not make it right.  As we learned in class, just because something is a law or in accordance with the law does not make it morally justifiable.  This is case where woman are in a sense being punished for possibly needing more medical attention.  These woman are being treated unfairly and taken advantage of over something they have no control over.

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Patient sues Anthem Blue Cross over liver transplant

December 4, 2009 1 comment

In California, a man needed a liver transplant and his insurace company Anthem Blue Cross agreed to pay the bill.  However, soon after the agreement was made his health decreased rapidly.  The doctors told him he would die waiting for a liver in California and advised him to go to Indiana where the wait was much shorter.  Anthem Blue Cross told the patient they would not pay for  a liver in Indiana.  Thankfully, the man was rather wealthy and was able to pay the 205,000 dollars it cost to purchase the liver himself.  The man sued Anthem Blue Cross for caring more about their financial situation and how much it would cost to cover his expenses than his own well being.

The sad part is if this man was not in a position to pay for the expenses of the liver transplant he would have died.  Not everyone is in a position to shell out roughly 200,000 for a liver transplant.  The company should have covered the expense because by not doing so proves that they are more worried about their “bottom line” as the article states than the well being of their insurance customers.  The insurance company said that the patient’s plan only covered certain transplants with certain hospitals and they were not required to foot the bill.  They also said the paitent’s condition was not serious enough to make an exception.  However, maybe the hospital makes a good point but it still seems wrong to let a person die because and insurance company wont cover what is not in the customer’s health care plan, it just seems selfish.

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Anthem Blue Cross agrees to take back clients, pay $1-million fine

December 4, 2009 Leave a comment

In this case, an insurance company in California was fined one million dollars for dropping people after they sent in bills to the company for expensive medical care.  The company could even be asked to pay for the costs the people had to pay from their own pockets while they were dropped and uninsured.  Those costs could reach up to 14 million dollars according to the article.  This is a serious case of what is morally right and wrong.  The company Anthem Blue Cross, did not finacially cover their customers when they needed it the most.  It is an insurance companies job to cover their customers medical expenses and people rely on their insurance company to do this.  Anthem blue Cross would have been better off just paying the medical expenses sent in by their customers because now they are having to pay fines for their unethical behavior.

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Should I Lie to Help the Company?

December 4, 2009 Leave a comment

This article deals with a case in which a publishing company had been stuggling for years and the company was getting desperate for business.  They boss told the employees that he wanted them to go online to the website and write false reviews for the company to make them look good.  One employee pointed out in a meeting that he didnt feel this was the right thing to do because even though he liked most of the books they published he didnt like all of them and would not recommend one he himself didnt like.  Also that it was against the website’s policy to write fake reviews and that even if they did write fake reviews whose to say it would really make a difference.  After letting his boss know how he felt, the boss indicated he could be in trouble if he didnt comply with the plan.

I feel the employee did the right thing by standing up for what he believes.  Even if he got into trouble with the boss he would not have a guilty conscious for lying to potential customers.  It was wrong for the boss to even ask the employees to do someting like this and should not have been surprised when someone objected to the idea.

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Workforce Tattletales: Drug Free

December 4, 2009 Leave a comment

In this short article, the issue is raised about what is the right thing to do if a coworker is using drugs while on the job.  Should you tell someone? Should you confront the person?  It could go both ways.  According to the article, by telling your boss you would be getting that person in trouble and possible considered a snith and as a result that person could lose their job.  You would be protecting the company and have the company’s best interest at heart.  On the other hand, you could confront the person about it but whose to say that would actually change anything.  The article mentioned that bringing it up to the coworker could have no effect at all because there is no way for you to know if they are actually doing anything about their problem.

In my opinion, this could be a difficult situation.  The issue comes down to whether or not the coworker’s drug use is actually harming the company.  In some cases, it might even make them a better employee, especially if they hate their job.  If they portray violent and eratic behavior then it definitley would be best to let your boss know because then the employee is not only causing harm to the company but to others around them as well.  This is a difficult situation because no one wants to be a tattletale so every situation should be handled differently.

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The Ethics of Outsourcing Customer Service

December 4, 2009 Leave a comment

In this article, the author feels it is bad for business to outsource customer service to other parts of the world.  He feels that customer service is a very important part of a business and helps keep customers coming back.  If a customer has a problem with a product and tries to call customer service and gets someone who is half way across the world who can barely speak english, according to the author, this is bad for the business.  He feels there is nothing really wrong with outsourcing customer service to save money as long as the employees over seas can speak english or which ever language is required to better communicate with the customers.

Even though it many save a company money by employing people in other countries for a fraction of what it would cost to employ an American, I still feel in a way it is unethical.  Outsourcing should only be used as a last resort, such as, if it means the company would shut down if they didnt outsource.  People in the US also need jobs and the US companies should put them first before outsourcing.  However, I do agree with the author in this case.  If a company does outsource, atleast make sure the employees in other countries are able to speak english.  It defeats the purpose and is pointless if the person at the other end of the phone cannot even communicate with the customer.  That really does make bad business and makes the consumer never want to buy from that company again.

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South Africa: Govt serious about tackling corruption

December 4, 2009 Leave a comment

This is an article that focuses on South Africa and the housing delivery business.  The houses that were being built for the citizens were not safe to live in and people were dying because their house would collapse.  According to the article 40,000 houses had to be destroyed because of bad workmanship.  The building standards for the houses were approved by government officials.  Also, so far there have been 800 government officals who have gotten into serious trouble for having houses and subsidies they should not have had.

The moral issue in this article is that government officials are living in safe houses but approving houses that are dangerous for people to live in.  They are making money off of the poor and disadvantaged people in South Africa.  The corruption is out of control and the goverment officials care more about money than the safety of their own people.  Several people have died because their houses have collapsed while they were in them.  This is terrible and it is sad that government officials who have taken part in this corruption care more about making money than the lives of their citizens.

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