Healthcare Paper

Topics: Health insurance, Health economics, Medicine Pages: 6 (2240 words) Published: July 7, 2013
1a. What model of healthcare does the US and your chosen country have (Japan)? Be very specific.
The United States has a healthcare system that is different from almost every country in the world. I would call the United States health care system a hybrid type system. I would call our system a hybrid because we fall into almost every type of category possible when it comes to health care; for instance, people who are uninsured have to pay out-of-pocket when they want to see a doctor versus someone who is insured and only has to pay a deductable. Many companies in the United States offer free medical care for employers, or they make health care insurance fairly cheap to afford. Unlike many countries our healthcare system is a little rocky. Insurance companies can drop you for being to high risk leaving you stranded to find another insurance company or leaving you to pay out-of-pocket. Our system has forced many of our fellow citizens homeless, or with masses amount of debt. Japan on the other hand has a Universal healthcare, in which everyone is covered up to 70% of the cost. Japan’s healthcare is much cheaper than hear in America because in Japan, it is accustom to their culture that a family member acts as a nurse, in which they help assist with the patient. In Japan, they have separate hospital beds in the room for a person from the family to sleep in. The family member acts like a nurse by providing food, cleaning, and changing sheet just to name a few. People from Japan who are employed but do not receive health coverage from their company, can participate in a national health insurance program offered and controlled by their government. People in Japan cannot be denied coverage unlike our healthcare in America, and by law Japans hospitals have to be a non-profit hospital which is run by physicians. 1b. In 10 sentences or less [emphasis on less], describe the Beveridge, Bismarck, National Health Insurance and Out-of-Pocket models.

The Beveridge model is named after William Beveridge and was designed/implemented in Britain’s National Health Service. This system is funded by the government through tax payments, similar to how a public library works. According to PBS, “Bismarck-type health insurance plans have to cover everybody, and they don't make a profit. Doctors and hospitals tend to be private in Bismarck countries”(Health care system--the four basic models, 2008.). “Universal health care is a term that refers to a governmental system meant to ensure that every citizen or resident of a region has access to the required medical services”(What is universal health care, 2003-2013). According to TLC, “An out-of-pocket expense is a no reimbursable expense paid by a patient. This could include any medical benefits that your health plan doesn't consider "covered services." But out-of-pocket expenses can also include covered expenses that you are responsible for before your health-plan benefits kick in at 100 percent coverage. When the insurance company pays all of your expenses and you have to pay only your monthly premium, you have reached the out-of-pocket maximum’’(Jeffries, M., 2013). 2a. What types of healthcare plans are available in each country? You must discuss each in detail. The US has managed care plans [Health Maintenance Organizations, Preferred Provider Organizations, Exclusive Provider Organizations, Point of Service Plans], and indemnity coverage as well as Medicaid and Medicare and your country's plan so you need to touch on them all in order to be detailed in your response. 

The United States has a managed care plan; managed care is used to help control cost. For instance, lets say you are rushed to the hospital, the first thing they EMT’s will ask you regardless how hurt you are “do you have insurance”. It is sad that the United States has such a terrible health care system. The United States utilizes HMO, which is health maintenance organization, this plans limits the amount of doctors you can...
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