Ana Willis C489 Task 3 A1. In this paper I am going to compare the United States healthcare system and the Great Britain healthcare system. 2. Great Britain views healthcare as a right and not a privilege, whereas the Unites States views it as a privilege and not a right. Great Britain covers 100% of all of their citizens. Great Britain healthcare system is referred to as The British National Healthcare System (NHS) and is a social insurance system. Health plans are paid through taxes that are equally deducted from the people’s income. In 2008 the taxes taken were about 9% of gross income but this allows free healthcare at the point of entry. This also allows that anyone seeking treatment is not turned away. Since the NHS covers 100% of citizens then children, unemployed people, and retired people all have access to essentially free healthcare (“US vs UK”, 2015). In the United States citizens pay into health plans or pay out of pocket for medical services. However the US does have Medicare and Medicaid which provide services to certain types of population. Medicare and Medicaid do not cover all services and procedures and the coverage varies by company. In 2010 the US had 16% of the population that was not covered by any type of insurance. 7.8% of people under the age of 18 were uninsured in 2010. In 2010 39.8% of children under 18 years of age were covered by public insurance and 53.8% of children under the age of 18 were covered by private insurance (Cohen, 2011). The US also has a program called Children’s Health Insurance Program (CHIP) that provides insurance to children whose families earn too much income to qualify for Medicaid. In some states CHIP also covers pregnant women. CHIP coverage varies state to state but all states provide comprehensive coverage. CHIP covers routine doctor and dental visits for free. Other services may require a copayment and some states charge a monthly premium that doesn’t exceed 5% of the family’s yearly income (“Children’s Health Insurance”, 2018). Medicaid is insurance coverage that is provided to children of low-income families by the government. Families must meet income requirements for their
Ana Willis C489 Task 3 children to receive coverage by Medicaid. With Medicaid coverage children receive free routine checkups. Eligible children with disabilities also receive free coverage for services such as speech and occupational therapy (“Medicaid Works”, 2018). Children can also be covered by private insurance through their guardians. Private insurance covers routine checkups free of cost but other coverage requires different types of payments depending on the type of coverage. Children can not be denied insurance for preexisting conditions (Cauchi, 2016).
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- Fall '18
- Health insurance in the United States, Ana Willis