Software developers working for a health insurance company

 

You are the project manager for a team of software developers working for a health insurance company. Your team has been asked to develop a new algorithm for insurance claim reviews that will utilize a chatbot function to produce written explanations for any denial of the claim, similar to what a doctor would write under similar circumstances. The design specs include the request to simulate human expression so as to reduce the likelihood of future regulatory oversight of the company’s claims decision practices.
For a fuller picture of the use of algorithms in health insurance claims, read: https://www.propublica.org/article/cigna-pxdx-medical-health-insurance-rejection-claims
Links to an external site.

Using the ethical framework(s) assigned below discuss:
● What concerns and whose concerns are prioritized for your framework?
● What is your proposed action to take regarding the new job?
● What are the competing values that might need to be resolved to determine your response?
● Is there a clear “right” answer for what you should do given your assigned framework?
For your ethical framework, here are the assignments:
● Use Social Contract ethics

Write up your answers in a brief essay, 500-750 words is fine. Grading is based on the clarity of your argument and demonstrated understanding of the main tenets of the assigned framework in your answer. Word files should be submitted to Canvas only!

 

Sample Solution

First, it is never just to intentionally kill innocent people in wars, supported by Vittola’s first proposition. This is widely accepted as ‘all people have a right not to be killed’ and if a soldier does, they have violated that right and lost their right. This is further supported by “non-combatant immunity” (Frowe (2011), Page 151), which leads to the question of combatant qualification mentioned later in the essay. This is corroborated by the bombing of Nagasaki and Hiroshima, ending the Second World War, where millions were intently killed, just to secure the aim of war. However, sometimes civilians are accidentally killed through wars to achieve their goal of peace and security. This is supported by Vittola, who implies proportionality again to justify action: ‘care must be taken where evil doesn’t outweigh the possible benefits (Begby et al (2006b), Page 325).’ This is further supported by Frowe who explains it is lawful to unintentionally kill, whenever the combatant has full knowledge of his actions and seeks to complete his aim, but it would come at a cost. However, this does not hide the fact the unintended still killed innocent people, showing immorality in their actions. Thus, it depends again on proportionality as Thomson argues (Frowe (2011), Page 141).
This leads to question of what qualifies to be a combatant, and whether it is lawful to kill each other as combatants. Combatants are people who are involved directly or indirectly with the war and it is lawful to kill ‘to shelter the innocent from harm…punish evildoers (Begby et al (2006b), Page 290).However, as mentioned above civilian cannot be harmed, showing combatants as the only legitimate targets, another condition of jus in bello, as ‘we may not use the sword against those who have not harmed us (Begby et al (2006b), Page 314).’ In addition, Frowe suggested combatants must be identified as combatants, to avoid the presence of guerrilla warfare which can end up in a higher death count, for example, the Vietnam War. Moreover, he argued they must be part of the army, bear arms and apply to the rules of jus in bello. (Frowe (2011), Page 101-3). This suggests Frowe seeks a fair, just war between two participants avoiding non-combatant deaths, but wouldn’t this lead to higher death rate for combatants, as both sides have relatively equal chance to win since both use similar tactics? Nevertheless, arguably Frowe will argue that combatant can lawfully kill each other, showing this is just, which is also supported by Vittola, who states: ‘it is lawful to draw the sword and use it against malefactors (Begby et al (2006b), Page 309).’

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