Difference Between Prospective And Retrospective Payment System

Please discuss the difference between prospective and retrospective payment system.
Please identify and describe three payment reform initiatives in the Patient Protection and Affordable Care Act.
Will there ever be (in your opinion) an acceptable solution for providing Health-Care Insurance to all?
Do you feel it is acceptable to expect “the haves” to provide Health care Benefits for the “have nots” through the expansion plans for Medicaid?
Is there a necessity for patient education with respect to insurance, both for private and government coverage? How should a patient education program be structured and delivered?

Please use 12pt, double spaced to answer the question with at least 2 sources no older than 5 years.