The Importance Of Health Care In America
Introduction Health care in America compared to other countries is so different. In America we pay more for healthcare sometimes than we spend for groceries. In my opinion when I think about how awful healthcare is, I mainly think about the elderly. Most elderly can’t afford healthcare so they don’t get the proper service because of insurance. Healthcare in other countries don’t cost the people anything. In most of the country they are using some sort of model to assist their communities with healthcare. There are so many ways to obtain healthcare, if you are working your cost maybe lower to some one that does not work, because they are not part of a group. It’s important to do your research when searching for health insurance. All conditions are not covered by all insurance carriers. Pre-existing diseases may not be covered by all insurance agencies.
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In the French Healthcare System coverage is universal.
Hospital care, ambulatory care and prescription drugs are covered. The French system is primarily financed by employer and employee payroll taxes. Financing also comes from private health insurance, and through a national income tax on alcohol and tobacco. Patients have co-pays. Co-pay rate. The United States have adapted to various ways to have insurance. For the elderly you have Medicare if you are over 60. The others that are eligible for Medicare are the disable. With the Medicare program in order for your prescriptions to be covered it has to be something that they have on their list or they will not pay for it. In my paper I’m going to talk about experiences with Medicare and what I liked about the book. The book was an eye opener, I knew us as a country had problems with healthcare, but I did not know how bad it is. President Obama is trying to change the healthcare where every person will have insurance coverage. I believe all should have some sort of healthcare for them and their
families.
The Bismarck Model
Germany, Japan, Belgium, Switzerland and Latin America In this model Otto Bismarck invented the welfare state as part of the unification of Germany (Reid, 2009). This model is more of the United States way. In the United States employers pay a part of the insurance and the employees pay the other through payroll deduction. With some American companies if you did not get the insurance from your employers, you must show that you’re covered on your spouse’s insurance or someone else’s, but you had to prove insurance coverage. In the Bismarck countries both the providers and the payers are private entities. Unlike the United States the hospitals are not privately owned. The doctors have their practices but are paid by the patient or the insurance company with a negotiated rate. The Beveridge Model
Great Britain, Italy, Spain and Scandinavia The Beveridge Model is financed by the government through tax payments. There are no medical bills for patients. The hospitals are owned by the government and many of the doctors that are specialist are government employees. Some doctors are given bonuses for keeping their patients healthy (Models of national). The hospitals and doctors are controlled by the government on what they can do and what they can charge. Cuba and the U.S. Veterans Affair are the prime examples of this model, because the patients don’t receive medical bills (Reid, 2009) The Beveridge Model is also known as The Sickness Fund (Models of National). In the United States we are the sickest people and need more medical attention than any other country. I believe it’s because we eat all the wrong foods. Also, when a doctor prescribes medication for one thing it creates a problem somewhere else, because of all the side effects from the original medication. So, they keep us coming back for more.
The National Health Insurance Model Canada, Australia, Taiwan, and South Korea This system has the familiar elements of both the Bismarck and Beveridge model. It’s run by a government insurance company that everyone pays into. The national, or provincial, insurance plan collects the monthly premium and pays the medical bill. Having this universal insurance is cheaper because you don’t have the overhead. Cost is also controlled by limiting medical services that they will pay for. They also have the power to negotiate the rate that they will pay for services. The countries that are highlighted have adapted all or some of the NHI Model. The paradigmatic is Canada’s. Paradigmatic means; A set of assumptions, concepts, values, and practices that constitutes a way of viewing reality for the community that shares them, especially in an intellectual discipline.
The Out-Of -Pocket Model
Cambodia, India, and Egypt With the Out of Pocket model is just what the title mean you pay for your doctor or hospital out of your pocket. The rich get medical care and the poor stay sick and die. In the rural countries such as Africa, India, China, and South America may go their whole life and never see a doctor. They may go see a healer in the village. Out of pocket payments account for 91 percent of total spending in Cambodia 85 percent in India and 73 percent in Egypt and in Britain 3 percent (Reid, 2009). The United States, with more than 45 million uninsured, rank fairly high among wealthy countries (Reid, 2009).
Preferred Policy Healthcare in the United States I would have the government provide insurance for everyone that has some sort of health issues, first. Next will be the elderly that don’t have any issues, they would be able to go the doctor just for a physical if that’s all they needed. The policy should cover every person in the United States that does not get insurance through their employer. The models that I read about, the only one I would consider are The National Health Insurance Model. The reason I chose that one is because the government pays all the bills. There is no worry about declining claims. The one thing that stands in the way of bringing this policy to the people is the politicians. The politicians want to continue to use the money for other areas for the United States. The good thing about the children they can get medical coverage through a programs call CHIP. The Medicare patients are limited to who they can see and what medications will be covered. Everyone will benefit from my plan. No one in the United States will have coverage. As a prime example about Medicare changing someone from their regular medication to something less beneficial to the patient, is ridiculous. I’m a diabetic and I had been on certain insulin’s and last month when I went to have my prescription refilled I was told that Medicare would not pay for that particular insulin. My doctor had to be notified to write a new script for what they would cover. The medication does not even work as good. By doing this it could make my health worst. Only time will tell. Medicare is not free the cost is $99.00 and you have to have additional insurance to go with it, because it does not cover everything, so you may have to pay out almost $200.00 per month for coverage. With my policy having the government to cover everyone we would not have to worry about getting proper treatment of out illness.
Conclusion In conclusion about Healthcare In America and the fact that the united Sates in my opinion is in a Crisis with healthcare. In the United States all we think about is getting money from the people to cover everything else except healthcare. A lot of people would probably live longer if they had better healthcare. When I look back at when they was closing the state hospitals, I was wondering where all these people was going to go. For a varity of reasons hospitals for the mentally ill began to close in the last 3 decades of the 20th century. Medications allowed people to live more independently in their communities. Legislation made federal money available to establish community care. States felt closing state hospital was a way to save money. Was it really, the house that house some of the mentally are private homes that are paid by private agencies. In the models that were studied for this paper they did not exclude any of their people they said for all of them. If they did not have insurance they had village healers. Growing up in the South we did not go to the doctor for everything, there were what you home remedies that assisted us. With the healthcare system being what it is today, we might need to go back to the home remedies. T.R. Reid truly shed some light on the healthcare system around the world. Some of our lawmakers need to examine how some of these countries are taking care of their people, and maybe we could have a better healthcare system that would accommodate everyone.
Work Cited
Reid, T. R. (2009). The healing of America, a global quest for better, cheaper, and fairer health care. New York, NY: Penguin Press.
Models of national health insurance. Retrieved from http://www.healthcareforalltexas.org/models-of-health-care-systems.html
In the French Healthcare System coverage is universal.
Hospital care, ambulatory care and prescription drugs are covered. The French system is primarily financed by employer and employee payroll taxes. Financing also comes from private health insurance, and through a national income tax on alcohol and tobacco. Patients have co-pays. Co-pay rate. The United States have adapted to various ways to have insurance. For the elderly you have Medicare if you are over 60. The others that are eligible for Medicare are the disable. With the Medicare program in order for your prescriptions to be covered it has to be something that they have on their list or they will not pay for it. In my paper I’m going to talk about experiences with Medicare and what I liked about the book. The book was an eye opener, I knew us as a country had problems with healthcare, but I did not know how bad it is. President Obama is trying to change the healthcare where every person will have insurance coverage. I believe all should have some sort of healthcare for them and their
families.
The Bismarck Model
Germany, Japan, Belgium, Switzerland and Latin America In this model Otto Bismarck invented the welfare state as part of the unification of Germany (Reid, 2009). This model is more of the United States way. In the United States employers pay a part of the insurance and the employees pay the other through payroll deduction. With some American companies if you did not get the insurance from your employers, you must show that you’re covered on your spouse’s insurance or someone else’s, but you had to prove insurance coverage. In the Bismarck countries both the providers and the payers are private entities. Unlike the United States the hospitals are not privately owned. The doctors have their practices but are paid by the patient or the insurance company with a negotiated rate. The Beveridge Model
Great Britain, Italy, Spain and Scandinavia The Beveridge Model is financed by the government through tax payments. There are no medical bills for patients. The hospitals are owned by the government and many of the doctors that are specialist are government employees. Some doctors are given bonuses for keeping their patients healthy (Models of national). The hospitals and doctors are controlled by the government on what they can do and what they can charge. Cuba and the U.S. Veterans Affair are the prime examples of this model, because the patients don’t receive medical bills (Reid, 2009) The Beveridge Model is also known as The Sickness Fund (Models of National). In the United States we are the sickest people and need more medical attention than any other country. I believe it’s because we eat all the wrong foods. Also, when a doctor prescribes medication for one thing it creates a problem somewhere else, because of all the side effects from the original medication. So, they keep us coming back for more.
The National Health Insurance Model Canada, Australia, Taiwan, and South Korea This system has the familiar elements of both the Bismarck and Beveridge model. It’s run by a government insurance company that everyone pays into. The national, or provincial, insurance plan collects the monthly premium and pays the medical bill. Having this universal insurance is cheaper because you don’t have the overhead. Cost is also controlled by limiting medical services that they will pay for. They also have the power to negotiate the rate that they will pay for services. The countries that are highlighted have adapted all or some of the NHI Model. The paradigmatic is Canada’s. Paradigmatic means; A set of assumptions, concepts, values, and practices that constitutes a way of viewing reality for the community that shares them, especially in an intellectual discipline.
The Out-Of -Pocket Model
Cambodia, India, and Egypt With the Out of Pocket model is just what the title mean you pay for your doctor or hospital out of your pocket. The rich get medical care and the poor stay sick and die. In the rural countries such as Africa, India, China, and South America may go their whole life and never see a doctor. They may go see a healer in the village. Out of pocket payments account for 91 percent of total spending in Cambodia 85 percent in India and 73 percent in Egypt and in Britain 3 percent (Reid, 2009). The United States, with more than 45 million uninsured, rank fairly high among wealthy countries (Reid, 2009).
Preferred Policy Healthcare in the United States I would have the government provide insurance for everyone that has some sort of health issues, first. Next will be the elderly that don’t have any issues, they would be able to go the doctor just for a physical if that’s all they needed. The policy should cover every person in the United States that does not get insurance through their employer. The models that I read about, the only one I would consider are The National Health Insurance Model. The reason I chose that one is because the government pays all the bills. There is no worry about declining claims. The one thing that stands in the way of bringing this policy to the people is the politicians. The politicians want to continue to use the money for other areas for the United States. The good thing about the children they can get medical coverage through a programs call CHIP. The Medicare patients are limited to who they can see and what medications will be covered. Everyone will benefit from my plan. No one in the United States will have coverage. As a prime example about Medicare changing someone from their regular medication to something less beneficial to the patient, is ridiculous. I’m a diabetic and I had been on certain insulin’s and last month when I went to have my prescription refilled I was told that Medicare would not pay for that particular insulin. My doctor had to be notified to write a new script for what they would cover. The medication does not even work as good. By doing this it could make my health worst. Only time will tell. Medicare is not free the cost is $99.00 and you have to have additional insurance to go with it, because it does not cover everything, so you may have to pay out almost $200.00 per month for coverage. With my policy having the government to cover everyone we would not have to worry about getting proper treatment of out illness.
Conclusion In conclusion about Healthcare In America and the fact that the united Sates in my opinion is in a Crisis with healthcare. In the United States all we think about is getting money from the people to cover everything else except healthcare. A lot of people would probably live longer if they had better healthcare. When I look back at when they was closing the state hospitals, I was wondering where all these people was going to go. For a varity of reasons hospitals for the mentally ill began to close in the last 3 decades of the 20th century. Medications allowed people to live more independently in their communities. Legislation made federal money available to establish community care. States felt closing state hospital was a way to save money. Was it really, the house that house some of the mentally are private homes that are paid by private agencies. In the models that were studied for this paper they did not exclude any of their people they said for all of them. If they did not have insurance they had village healers. Growing up in the South we did not go to the doctor for everything, there were what you home remedies that assisted us. With the healthcare system being what it is today, we might need to go back to the home remedies. T.R. Reid truly shed some light on the healthcare system around the world. Some of our lawmakers need to examine how some of these countries are taking care of their people, and maybe we could have a better healthcare system that would accommodate everyone.
Work Cited
Reid, T. R. (2009). The healing of America, a global quest for better, cheaper, and fairer health care. New York, NY: Penguin Press.
Models of national health insurance. Retrieved from http://www.healthcareforalltexas.org/models-of-health-care-systems.html