Organizational Systems and Quality Leadership Task 3: Healthcare Financing Ashlee Galford Western Governors University
C489 Task 3: Healthcare Financing 2 A1. Country of choice For task 3, I am comparing Germany and the United States health care systems. Germany and the United States operate the same regarding providing insurance. The governments for both, the United States and Germany, provide benefits to all individuals. They are providing medical care, pensions, unemployment, disability and insurance for pregnancy. Individuals, who make less than 35,000, must join a “sickness fund” as their healthcare. These “sickness funds” are private and nonprofit, so the insurance companies cannot get the extras for employees or employers. If you make more than 35,000, you must choose a private insurance ( Ridic, G., Gleason, S., & Ridic, O. (2012)). I feel that having to choose your insurance just because you do not make as much money, is not fair to the ones who have a great career and are being forced to pay more in premiums each month. The United States insurance can be purchased by the privately or provided by the government to certain individuals. The United States has two different types of organizations: Health Maintenance Organization (HMOs) and Preferred Provider Organizations (PPOs). Medicare and Medicaid are also another form of public health insurance. Medicare covers the disabled and aged individuals. Medicaid covers individuals who may be lacking financially. Over the last few years, I have noticed that Medicaid is being abused and people are not working, or they may be finding low-income jobs, so they can be approved for Medicaid. Federal and State governments finance Medicaid and it is offered in each state. The individuals who do not have any insurance can receive healthcare through public clinic/hospitals, state/local programs and any assistance that is provided by private sectors. ( Ridic, G., Gleason, S., & Ridic, O. (2012)).
C489 Task 3: Healthcare Financing 3 A2. Access to Healthcare for children, unemployed and retirees between the U.S. and Germany Access to Healthcare for children, the unemployed and the individuals who are retired between the United States and Germany, have many different variations. In Germany, children have many different health insurances to select from if their parents make less than a certain amount or if they receive welfare. If their parents make over a certain amount, they will receive private insurance (Primary Care in Germany. (n.d.)). In the United States, the child is added to the parent’s private insurance from birth. If the parent does not have insurance, the parent can apply for Medicaid for the child along with other government assistance programs (WIC, SNAP etc.). Access to healthcare for the unemployed in Germany has some stimulations. If you are registered in Germany and you are unemployed, you can apply for public health insurance. If you are not from Germany and you are unemployed, then you must get private health insurance (Expat Services UG (haftungsbeschränkt ). In the United States, if you are unemployed, you can
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- Fall '17