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What are the ethical considerations involved in deciding who receives short- and long-term health care?

Imagine you are employed as an account professional in a health care organization. Which type of health insurance do you feel would be the most challenging to submit for reimbursement and in obtaining cooperation in obtaining payment?    
What are the ethical considerations involved in deciding who receives short- and long-term health care? What ethical considerations should be considered in the micro-allocation of care within the healthcare facility, and how will the decision affect the long-term policy of the facility?
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