...Task 3 A1. The country that I pick to compare to the U.S. healthcare system is Great Britain. According to the PBS Frontline program, “Sick Around The World”, by T.R. Reid, Great Britain uses a government run National Health Service (NHS), which seems too close to socialism for most Americans. For about half of what the U.S. pays per person for healthcare, the NHS covers all U.K. citizens and has better health statistics. (Palfreman, Reid, 2008). According to the World Health Organization (WHO), the total expenditure on health per capita is $3,311 in the U.K., whereas in the U.S., the total expenditure on health per capita is $9,146. (WHO, n.d.). In the U.K. the NHS’s proposition is that the citizens never have to pay a medical bill, no insurance premium and no co-pay. The British pay for their healthcare out of tax revenue as the government owns the hospitals and the doctors are salary government employees. The British pay much higher taxes than the Americans to cover their healthcare. (Palfreman, Reid, 2008). The U.S. healthcare system is based on a regulated market system as it is regulated by state or federal legislation. The U.S. healthcare is paid for by a combination of public and private sources by third-party private or public insurers and out-of-pocket household payments. Private insurance is responsible for the majority of healthcare coverage in the U.S., with the cost of providing healthcare insurance to the employees that is passed on by the employer...
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... Abdlillah Mahimda Eng-112-26 Professor Dubson 4/21/10 Universal Healthcare For America The healthcare system in America has been an ongoing debate for many years. President Obama has just passed a bill to Americans that will provide healthcare for many that are uninsured but it is still not the single payer they have in Canada, and many other European countries. The Current system of healthcare companies has deprived many Americans of important medical needs for profit. Pre-existing conditions and outrageous monthly premiums are just some of the measures they input for ongoing profit. Universal Healthcare in America should be mandated because it will eliminate health insurance companies that only look for profit and it will also show the world that Americans consider healthcare not as a privilege but as a right. Health insurance companies have benefited tremendously from the current system of healthcare from record profits and hefty bonuses to their chairmen. To give you a few examples , Ronald A. Williams from Athena received 23,045,835 in compensation, H. Edward Hanway Mahimda 2 Cigna 25,839,777, and Dale B. Wolf from Covernity received 14,869,823(Ricciardelli). These hefty salaries were all made possible because these companies denied medical care to their members because of a pre-existing condition.” A pre –existing condition can be something as common or as serious as heart disease, high blood pressure...
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...Sarah Sobocienski 4-18-18 The Affordable Care Act, also known as Obamacare, is an essential part of an ongoing debate about our nation’s healthcare. It’s something that affects everyone, young or old, rich or poor, and it’s a law with several goals, such as helping people afford healthcare, lower the cost of medical care, reduce the increase of healthcare spending, and many more. It’s an important law that has helped millions pay for healthcare, and has more benefits than disadvantages. Controversially, it requires everyone in the country to have a health insurance plan, or pay a fine. Many argue that this is unfair. Health insurance can be extremely expensive, and not everyone wants it. According to the eHealthInsurance Resource Center [1],...
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...coverage to people with pre-existing conditions like diabetes and cystic fibrosis and the provision which put an end to lifetime caps gained enormous popularity amongst Americans. On the other hand, individual mandate and the penalties for not signing up for any coverage was not so popular provision of ACA. Nobody can deny that the ACA has tackled many challenges in the US healthcare effectively. Due to Medicaid expansion in states, many uninsured individuals got received the coverage. The...
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...Task 3 Jennifer Gentry Western Governors University A1. Country to compare and A2. Access The country I chose to compare with the United States healthcare system is Japan. Access to healthcare in Japan is fairly easy. Every individual, including the unemployed, children and retirees, is covered by signing up for a health insurance policy. They can obtain insurance either through their work or through a community based insurance. For those Japanese citizens that are too poor to afford health insurance, the government supplies their insurance through a social insurance. If a Japanese citizen loses his/her job and becomes unemployed, the individual will just switch to a community based insurance rather than a work insurance (Reid, 2008). In contrast, in the United States, if you become unemployed, you lose your health insurance. An individual can, however, obtain insurance through a private source but it is often more expensive. In 2010, The Patient Protection and Affordable Care Act was signed into law in the United States. The PPAAC was designed to enhance coverage for uninsured or low-income Americans. This was met with much controversy since a large number of Americans felt like it was unconstitutional for the government to mandate that American citizens who were not insured by another source purchase this healthcare or otherwise have to pay a fine based on percent of income through yearly taxes. There are numerous insurance avenues for children, unemployed and...
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...SAT1 Task 3 Cherilyn Moser Healthcare is an ever growing concern around the world today. Populations continue to grow and people are living longer than ever. Nations have different systems for healthcare. The United States and Japan are two healthcare systems that are have different coverages for their citizens. United States: The United States has multiple opportunities for insurance coverage for people. There are many private insurance companies to insure Americans. There are also government assistant agencies such as: Medicare, Medicaid and Children Health Insurance Program (CHIP) (Commonwealth Fund, 2013). Persons must apply and qualify for any government assisted programs for healthcare. Medicaid: is offered to those who qualify with low income. (Families, individuals, and children) Medicare: is offered to those over the age of 65 years (retired) CHIP: is offered for children of modest level income families that do not qualify for Medicaid. Medications are covered by these groups with potential out-of-pocket expenses. Co-pays for medications are required. The type of medication may also be a factor. Some medications may not be covered by Medicaid, Medicare or CHIPS. There are times when a generic brand or alternate medication is encouraged to avoid a costly out-of-pocket expense to the patient. Social workers and physicians work together to find the most economical alternative to a medication. Specialists and/or physician referrals depends on the...
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...Health Utilization and Finance Melissa Dorn Organization Systems and Quality Leadership Western Governors University The United States and the United Kingdom have a lot of systems that are operated the same, such as their legislature and government operations, but the one difference is how they offer healthcare. The US healthcare system is an almost fully private system and the UK healthcare system is socialized. One may ask well what does this mean exactly. And the answer is that in the UK everyone has access to healthcare no matter how poor or rich they may be. The insurance is paid through taxation. In the US, the insurance is mostly private, which means that a person will have to pay for insurance premiums out of their pocket. The quality of the insurance will depend on the type of plan that a person is paying for and there could be high out of pocket expenses. In the US healthcare isn’t guaranteed by the government like in other industrialized nations. In the US the government doesn’t control most insurance systems or how they operate. People in the US who do have healthcare coverage are covered either by private insurance or a public health care system. A lot of unemployed individuals don’t have any coverage at all. Medicare, Medicaid, Children’s Health Insurance Program and the Veteran Affairs program are considered public health care systems. For some of these government programs, individuals may still be responsible for a premium depending on income. The...
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...that you believe will be the most positive for the country. 1. No one can be denied coverage because of a pre-existing condition Health insurers can no longer deny or charge more for coverage because of a pre-existing health condition like asthma, diabetes, or cancer. Nor can they limit benefits for these pre-existing conditions. This is an extremely positive element for the millions of people that have pre-existing conditions and could not afford the increased cost of health insurance. 2. Extended health coverage for young adults, up to 26 years old Extending coverage for young adults has led to a rapid and extensive increase in the number of young adults with dependent coverage. At the...
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...Universal Healthcare in the United States Larrissa McBride HCS 235 Monday January 23, 2012 Margaret Meador Universal Healthcare in the United States Healthcare is on the minds of every American in today’s society. Everyone worries about what they will do to afford healthcare and even if they will receive healthcare. America has some of the greatest technological advances and in trained professionals. However, American only ranks 20th in life expectancy and we rank almost the lowest in healthcare availability to its citizens. This causes me to believe that American needs to adopt some type of universal healthcare reform. According to the department of Health and Human Services the United States is one of the only industrialized countries to not give every individual healthcare coverage and access. The United States currently has a system of government sponsored and private insurance companies. The “poor” Americans fall under the care of government based programs. Those who are poor but are considered too wealthy for government sponsored programs are forced to turn to for-profit insurance companies. These for profit companies have strict guidelines and or co-payments and are likely to turn down medical care for any reason they see fit without explanation. I feel that some kind of universal health care system would regulate and control these organizations and could potentially save billions. Currently in the United States a large majority of citizens are uninsured. According...
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...Juanita Mortensen Western Governors University RTT1 Task 3 A1. Country comparison The healthcare systems of Switzerland and the United States are quite similar in some aspects and vastly different in others. In Switzerland, the healthcare is universal and available to all. It is provided by private individual insurance companies and subsidized by the government when needed. Basic health insurance is required to be purchased within 3 months of residency or after birth and is an individual’s choice as to what carrier they choose. Of course, there are exceptions to this mandate but they are very few.("Healthcare in Switzerland," “n.d.”, para. 1) Because of this requirement, 99.5% of the population in Switzerland has healthcare coverage.(Roy, 2011, para. 13) The basic health insurance is purchased by the consumer with the option of purchasing supplemental plans to the basic health plan. The supplemental plans are how the insurance companies make a profit.("Healthcare in Switzerland," “n.d.”, para. 12) A few commodities that are covered by the basic health plan are: outpatient and emergency treatment, medications that are on an official government list, maternity care including childbirth, and abortions up to 12weeks gestation. The supplemental plans have a wide range with some consisting of private or semi-private beds, dental care, and eye care.("The Swiss Healthcare System," “n.d.”, para. 7 & ll) The price and benefits of medical treatment, hospitalizations...
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...consider when determining which type of insurance to offer the group is the amount of health risk factors that affect all the employees. Thirty-eight percent of the employees have been deemed to have no major risk factors at all; however, almost eighteen percent of the workers are smokers and thirteen and a half percent of them suffer from some form of respiratory disease or illness. One of the biggest risk factors affecting the entire group of people is obesity. Obesity affects thirty-nine percent of these workers which in turn, increases the risk for obesity related diseases and illnesses. These diseases include but not limited to heart disease, hypertension, hyperlipidemia, and diabetes. This will increase the utilization of many healthcare services including prescription drugs, diagnostic services, and outpatient office visits (University of Phoenix, 2010). Castor Collins is a regional HMO that provides health insurance and health care services to enrollees through its network of doctors and hospitals. Castor offers several different insurance plans that would be beneficial to the employees of Constructit. The first plan to be considered is the Castor Standard Plan. This plan offers services such as emergency services, family planning, prescription drug, hospitalization...
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...Identify one country from the following list whose healthcare system you will compare to the U.S. healthcare system: Great Britain, Japan, Germany, or Switzerland. Great Britain and American Health Care Compared 2. Compare access between the two healthcare systems for children, people who are unemployed, and for people who are retired. Great Britain’s National Health Service (NHS) covers everyone children, unemployed and retired. There is no payment required. Taxes are higher in Great Britain to cover the medical costs. (Palfreman & Reid, 2008) In America programs such as Medicaid and Medicare exist for assistance to those that do not have healthcare insurance or as a secondary. Medicaid is funded federally and state wide for payment of care medically. This aid is offered to the aging adults, destitute, those with disabilities, and particular family groups with dependents meeting specified wage criteria. (Cherry & Jacob, 2014) Medicare is coverage made for those 65 (retirement age) or older, specific persons with disability. Must qualify for either social security benefits or retired from the railroad. There are two plans or parts to Medicaid. (A) will provide coverage during the hospital stay. (B) obligates the covered person to pay a percentage, this plan provides coverage for service from doctors along with medication benefits. (Cherry & Jacob, 2014) 2a. Discuss coverage for medications in the two healthcare systems. American medication coverage. International...
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...that is still discussed is the Affordable Healthcare also known as Obama Care. This was passed by the Senate on December 2009, and then was passed in the senate house in March of 2010. Afterward was presented to the Supreme Court in June of 2012. This law will permit Americans to obtain health care coverage at an affordable rate. This reform law is already making a great difference. There is more affordable care. This makes medical healthcare more within reach for those who couldn't afford it before. This also benefits Medicaid and making accountants take more responsibility. This is also paving the way for a new era in healthcare.( www.healthcare.gov) Millions of Americans have obtained new access to better healthcare coverage. This means that millions of Americans can be been seen sooner and even prevent serious conditions from forming. Over 4 million young adults will get insurance through their parents coverage. This coverage will last till they are 26 years old. There are also free preventative care services. Citizens can now get services through their preferred private insurance. Many of these services can be obtained without copays or deductibles. This includes wellness and cancer screenings. Women in the United States can now have the coverage with no need to co-share of preventative services that is needed. People who have pre existing conditions, first off there are about over 107,000 Americans with pre-existing conditions. These Americans now have gained the resources...
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...has turned out to be so hazardous, so he visits nations where residents get free insurance, as in Canada, France, and the U.K. Healthcare is not a right for all Americans due to qualifications required to receive the insurance, interference with politicians and in contrast with healthcare systems in other nations. There was a list of pre-existing conditions that denied Americans coverage before the Affordable Healthcare Act. Notwithstanding these conditions,...
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...Even though we have insurance companies to cover our healthcare cost Government Healthcare could be a better solution to our country’s growing need for healthcare coverage. Insurance companies charge their members thousands of dollars each year to cover their healthcare needs. People who have chronic illnesses have to see the doctor several times a month and have to pay the deductable down before coverage will start. Even worse the, patient’s deductible resets each year so that is even more money the patient has to spend on for their healthcare. Also cost of the insurance premium is high each month for some individuals who had pre-existing conditions. For some people picking the right insurance company can be difficult. The individual has to check premium prices and what doctors are available to them in the area. In some cases people might have to drive several hours just to see the doctor that takes their insurance. When person is sick and needs to see the doctor their insurance company should not decided who they can or cannot see. Also if a patient has pre-existing condition before becoming insured the company that they choose for insurance can charge a higher premium than someone who is healthy. Most people cannot prevent becoming chronically ill because of heredity and insurance companies should not charge people extra because they are already sick. Government healthcare would be better for those that cannot pay for health insurance. In the past several years...
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