The consumer protection rights come into the picture to protect the consumers as well as buyers from unfair trade practices that happen in the market. The unfair practices happen in order to gain profit and mislead the competition. To govern such acts, the state makes sure to regulate those acts which violate the laws and hence are punishable. Consumer protection also ensures the right of consumers in various fields. The market also includes health care, where various unfair trade practices happen to mislead the consumers as they have the least knowledge about medical science. Therefore, the laws governing consumer protection in health care also takes care of insurance-related claims. In most parts of the world, consumer protection laws are a must so that one can safely take part in the buying and selling process. The whole cycle is governed by the state to safeguard the interest of the consumers and buyers. The government is on the cheering side of the game, which always promotes and encourages people to buy and sell acts. Hence, countries like the United States run governing bodies such as the Federal Trade Commission, Better Business Bureaus, etc., with non-governmental organizations to ensure the smooth running of the market and protect the rights of buyers and sellers.
The law regulates the area of private law relationships with consumers and business people. It provides a safe passage for buying and selling goods and services. Consumer protection covers many ambits such as product liability, privacy rights, unfair trade practices, fraud, misrepresentation, etc., which can mislead the buyers and consumers. Consumer law is way simpler than tax laws, but it targets the same purpose. It ensures the protection of consumers and buyers from frauds in personal loans, bill collector regulation, pricing, eligible fraud, sales or contracts, utility turnoffs, consolidation, which may lead to bankruptcy. In the US, the laws are regulated at both the federal and state level. The Uniform Act regulates unfair and fraudulent business engaged in trade. The act allows pressing charges against the people to indulge in unfair means by the Attorney General.
Healthcare and Consumer Protection
There are almost 14 important consumer protection laws which are protecting everyone on a daily basis. The main purpose of these laws is to safeguard the interest of consumers. For example, in the health care sector, the general public does not know about the technical functioning of medical science and completely relies on hospitals. However sadly, in that sector as well, people are not safe. Starting from health insurance to paying the bills of hospitals, one can be tricked at any time. Hence in acts like Consumer Bills of Rights and Responsibilities, Affordable Care Act, Healthcare Consumer Bills came into the picture where the rights and responsibilities of consumers were explained, and the interests were secured. The rights of consumers mainly focus on the following aspects:
Access to emergency services
Confidentiality to health care Information
Participation in Treatment decisions
Respect and Non-discrimination
Complaints and appeals.
Whereas responsibilities cover the following:
Disclosure of information
Taking maximum responsibility for health habits
Use of health plan
Avoid knowingly spreading
Show respect to health care workers and patients etc.
Objectives
The main objective of introducing the consumer protection acts to healthcare sectors is that the US has a history of health care financing and delivery. To ensure quality, people’s betterment, and safeguard of the healthcare workers, such acts were done. Moreover, the laws also take care of the problems related to discrimination and providing proper facilities. The government wants their people to be safe from any health issues and unfair trade practices which can mislead them. The government believes that if consumers are empowered to make their own decisions about health care, then the health care system will improve. It will be efficient and productive, which will eventually help the government to make sure of its quality.
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