The three main types of health insurance in the United States are voluntary, social and welfare. These types on insurance a person possess sometimes determine the ability to seek care and how that care is given. Insurance types such as voluntary and social insurance can be very expensive and will make participants consider how important it is for them to see the doctor, while welfare medicine participants have trouble finding a doctor due to the limit number of physicians who are provider or are refusing to take on new patients. Some of the types of voluntary insurance are Blue Cross and Blue Shield (BCBS), private and commercial insurance, and health maintenance organizations. Voluntary insurance is not only limited to health care from physicians, but can also include dental, long-term, and life insurance. One of the most popular voluntary insurance companies is BCBS. Sometime people have trouble paying for insurance especially if is as it related to an on the job injury or because they have reached retirement age and can no longer work. …show more content…
Some examples of social health insurance are Medicare, worker compensation and social security. According to Williams & Torrens, 2008, “social insurance is an entitlement program, not charity” (pg. 86).Worker Compensation is supplied for workers who are hurt in a job related accident. Worker Compensation provides two types of benefits, it replaces a portion of wages to worker who can’t work due to disability and the payment of all or part of their medical expenses associated with the accident. The government also provides insurance who have the need for services, but cannot necessary afford the, this is known as Welfare
On a global scale, the United States is a relatively wealthy country of advanced industrialization. Unfortunately, the healthcare system is among the costliest, spending close to 18% of gross domestic product (GDP) towards funding healthcare (2011). No universal healthcare coverage is currently available. United States healthcare is currently funded through private, federal, state, and local sources. Coverage is provided privately and through the government and military. Nearly 85% of the U.S. population is covered to some extent, leaving a population of close to 48 million without any type of health insurance. Cost is the primary reason for lack of insurance and individuals foregoing medical care and use of prescription medications.
The U.S. healthcare system is very different from Canada’s; in the U.S., most of the citizens within the US are un- insured or under-insured. The U.S. healthcare system operates mostly by the private sector. The U.S. provides a mixture of private insurance, employee-funded, and government programs. As for any direct federal government, funding of health care needs for any of its citizens is limited to programs that include Medicaid, Veteran’s Health Administration Medicare, and Children’s Health Insurance Program, which generates from the taxpayers (McGrail, van Doorslaer, Ross, & Sanmartin, 2009).
Benefits provided by governmental social welfare policy include cash along with non-cash or in-kind benefits, including personal social services. Cash benefits give the beneficiary freedom to choose to enter the market to purchase goods and services and can be further divided into social insurance and public assistance grants. In-kind benefits include such benefits as food stamps, social house, low income assistance free primary education and grants. Personal social services are planned to encourage relationships between people as well as institutions, such as child welfare services; rehabilitation counselling and medical cards which allow people to visit their GP. Social welfare policies also subsidize employers because welfare benefits supplement low and non-liveable wages, thereby maintaining work incentives. If wages are insufficient to meet basic needs such as food, clothing and shelter needs, little incentive exists for workplace participation. Without social welfare, like earned income tax credit, employers would have to raise wages and prices for consumers (John et al 2008,
As I said earlier there are a number of ways to get Health care. The problem is are they affordable? Well this depends on you annual income and living status. There are a number of private insurance programs such as Blue Cross Blue Shield, but many of these private insurance programs are usually policies that are through employers (Macionis, p 245). This is a problem however because only eighty-five percent of employed people receive health insura...
Health insurance comes as second nature to many of us. We grab that blue and white card and put it in our wallet and forget about it until we are sick or injured. When this happens, there it is, cushioning our fall like the extra padding it provided to cushion our wallets. This is not the case with everyone, however. Many Americans have no cushion to fall back on, no blue and white card to show the emergency room when they have an unexpected health concern. No HMO with a convenient co-pay amount when their son or daughter develops an ear infection.
Social welfare is the use of material and physical aid by the government for its citizens in need. It comes in the form of unemployment compensation, food stamps, retirement benefits, and various social services ranging from drug rehabilitation to child care assistance. Also, before there was public welfare provided by the government, there was private welfare issued by private organizations, like churches and groups of individuals wanting to help the less fortunate. Some of those institutions still live on today, and provide people with food, shelter and clothing. Those places are where the ideas of public welfare started, and soon worked their way up to the people that could make those decisions. Unemployment compensation is given when an individual is unemployed, and cannot pay for the necessities. That payment is intended to be used to buy clothes, food, pay bills, ect. Other types of welfare that are commonly used are retirement benefits. Retirement benefits are given out to individuals who have reached the age of 65, and have accumulated money in taxes over their lifetime. Different benefits for the retirees in include
Out of all the industrialized countries in the world, the United States is the only one that doesn’t have a universal health care plan (Yamin 1157). The current health care system in the United States relies on employer-sponsored insurance programs or purchase of individual insurance plans. Employer-sponsored coverage has dropped from roughly 80 percent in 1982 to a little over 60 percent in 2006 (Kinney 809). The government does provide...
The United States government is considered to be a social welfare state. As discussed in class and mentioned in our notes a social welfare state is, “a society with a set of government programs that ensures a minimum standard of living for families and protects individuals from loss of income”. The United States in turn has several programs in its social welfare system. One of them is Medicare, which has seen a huge growth in recent years, and is funded by payroll taxes. Medicare
1. Indemnity - This can be a most expensive plan. It allows you to choose your own health practitioner and hospital. It 's the most bendable plan because it allows you to make your own decisions about well being care. You pay your bill after services are rendered and they are then reimbursed by your insurance vendor.
Everyone though out the United States is required to have some sort of health insurance since the enactment of the patient protection affordable care act that began in the beginning of 2014. The reform act basically states all individuals have to have some type of health insurance and if they fall to have the minimum required insurance then will face a tax penalty. However, with the way the law is written the information can be difficult to understand and even more difficult to determine what the impact will be if individuals fail to comply and obtain insurance (Suelzer). Although the coverage is mandatory there is a loophole in the act making some individuals exempt from being required to have health insurance. Individuals who have a religious belief, undocumented emigrants, incarcerated individuals, Indian tribe members, and families who have income that is below the taxable threshold all fall into the exempt status and are not required to have health insurance according to Marcia Richards Suelzer, MA, JD (Suelzer). My goal is to focus on health insurance showing it is not benefiting the people of the United States because of the extremely high costs.
They also include employer-sponsored group health plans, government and church-sponsored health plans, and multiemployer health plans (hhs). There are exceptions—a group health plan with less than fifty50 participants that is administered solely by the employer that established and maintains the plan is not a covered entity (hhs). Two types of government-funded programs are not health plans: (1) those whose principal purpose is not providing or paying the cost of health care, such as the food stamps program; and (2) those programs whose principal activity is directly providing health care, such as a community health center,5 or the making of grants to fund the direct provision of healthcare (hhs). Certain types of insurance entities are also not health plans, including entities providing only workers’ compensation, automobile insurance, and property and casualty insurance (hhs). If an insurance entity has separable lines of business, one of which is a health plan, the HIPAA regulations apply to the entity with respect to the health plan line of business
Universal Healthcare is implemented among three different types of systems: Single Payer, Two-Tier and Insurance Mandate. Through the single-payer plan, the government provides insurance for all residents (or citizens) and pays all health care expenses except for copays and secondary insurance. Providers can be public, private or a combination of both. The two-tier system involves the government providing or mandating insurance coverage for all residents (or citizens), while allowing those who can afford a secondary insurance receive better quality and/or faster access. Insurance Mandate involves the government mandate that all citizens acquire health insurance, whether from private, public, or non-profit insurers (Ghanta). In the United States, starting in April 2014, all citizens have to obtain health insurance (insurance mandate) through the Affordable Care Act. The Affordable Care Act was enacted to provide affordable and quality health care for all Americans. The law was signed by President Obama on Mach 23, 2010 and was upheld in the Supreme Court on June 28, 2012. There are fifty-eight countrie...
Health insurance provides benefits for sickness, injury, surgery, and prescription medication. There are a variety of plans with different
Health insurance facilitates entry into the health care system. Uninsured people are less likely to receive medical care and more likely to have poor health. Many Americans are foregoing medical care because they cannot afford it, or are struggling to pay their medical bills. “Adults in the US are more likely to go without health care due to cost” (Schoen, Osborn, Squires, Doty, & Pierson, 2010) Many of the currently uninsured or underinsured are forced accept inferior plans with large out-of-pocket costs, or are not be able to afford coverage offered by private health insurers. This lack of adequate coverage makes it difficult for people to get the health care they need and can have a particularly serious impact on a person's health and stability.
Long time ago, there was no need for health insurance in America, as doctors had many clients because their services were not so expensive and in some cases in rural areas, people could pay by giving other items. Doctors were not as knowledgeable as they are nowadays to care for the sick, therefore this didn't have much effect then on the patients, as they were treated for the basic illnesses.