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The rest is supplied by the state. Each state runs their own Medicaid program. A.F.D.C. provides cash benefits to dependent children and the parents or the guardians taking care of them. Most families that qualify for A.F.D.C.
People not knowing or cannot afford health care is a huge problem especially considering the fact that many Americans are elderly or suffer from acute disease, disabilities, and even mental disorders. Without proper health care many of these Americans will suffer tremendously and their symptoms may develop even worse without proper medication and help. This cannot be given without affordable health care. There are three health care programs I will be discussing that can help reduce cost of health care for many Americans depending on their living situation. The first is private insurance programs, second is Health maintenance Organizations (HMOs), government funding health care such as Medicare and Medicaid, And last but not lease the Affordable Health care act also known as Obama care.
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Primarily, the U.S. health care is financed by private health insurance companies, employers, and individuals who pay cash for a received service. Based on the 2009 US health insurance coverage status, 36.9 percents are private health insurance; 30.6 percents are government health insurance, and 16.7 percent are no insurance (LaPierre, 2012, p. 2). In fact, most Americans are privately insured by employer-based insurance that also included their family members as dependents (LaPierre, 2012, p. 2). This is a capitalist society where patients pay physicians directly for the service they received. Some people may pay with their private funds for an insurance plan.
WellPoint covers more than 34.8 million people and focus’s on improving the lives of the people and the health of its communities through its healthcare services. WellPoint offers a wide range of network-based managed care plans to the small and large employer, individual, Medicaid and senior markets. In addition, the company offers a wide range of managed care services to self-funded customers. With the current healthcare reconstruction proposals to regulate medical insurance and healthcare spending are enacted into law, and then WellPoint’s business and financial condition will be affected. External Environmental Factors The opportunities that are available to WellPoint are that they are diversified within many communities nationwide.
First of all, health care is insurance for people that are injured or ill. Each county has their own type of health care. There are many different types of health care organizations that are offered to people all over the world. Some of these organizations include: the health maintenance group, provider group, and a proposal that combines aspects from both the health maintenance group and the provider group. The most important type of health care insurance is a universal health plan. Universal health care is what will eventually save Americans a large amount of money and it will also guarantee that every American is insured.
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The delivery of quality health care to all the people irrespective of their race, age, sex, and class, is the main objective of an efficient health care system. The health care system has evolved in various preventive and promotional policies, programs and practices adopted by the United States health departments, in order to develop and improve the health of the people. A major reform has occurred in health care financing, which provides health care options in order to attain the universal health care coverage. The paper discusses the significance of the health care financing system in the United States; how it has evolved and how it has improved the health care of the Americans. The health care financing endeavors to move closer to universal health coverage by increasing the health care funds, reducing financial barriers to access the health care via prepayment, and later share the health financial risks that reduce direct payments out-of patients pocket (Fuchs, 2002).
The Healthcare Reforms Act 2010 or the Affordable Care Act introduces the universal form of health care. The ACA seeks to reduce healthcare costs and allow people to be more engaged in their own health care. The ACA intends to make healthcare more affordable and increase access of health care by expanding government’s Medicaid program to the financially disadvantaged, such as the low income earners, disabled people and people over 65 years of age (Arvantes, 2010). The healthcare reform ensures every individual in America has a government or private insurance to cater for their hospital bills. Besides this, 60% of America citizens have their health insurance covered by their employers.