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 type of insurance plan you have. Medicare/Medicaid: HMO – requires a referral from your primary care provider. PPO – does not require a referral to see a specialist. CHIP – also requires a referral to a specialist from your primary care provider. Studies have shown that an average wait to see a specialist have grown in the United States to an average of 7-75 days to be seen in their office (NY