Task 3 C489-Task 3 Western Governors University April 23, 2018 1
Task 3 A. 1. This paper will discuss the United States healthcare system verses the Japanese healthcare system. There are various key differences that will be discussed. They include, coverage, medication coverage, referrals to specialists, and financial implications. The United States’ healthcare system consists of public insurances and private insurances. The majority of Americans receive their health insurance coverage through private employer- sponsored plans. The benefits and costs vary for these plans. The Affordable Care Act (ACA) was enacted in 2010 as a way to increase the quality and affordability of health insurance. However, healthcare coverage is still flawed with the numerous private and public sources, as well as gaps in the insured rates across America. The Centers for Medicare and Medicaid Services (CMS) administers Medicare. Medicare is a federal program for adults who are the age of 65 and older, and for some people with disabilities and works in partnership with state governments to administer both Medicaid and the Children’s Health Insurance Program (CHIP). The private insurance companies are regulated mostly at the state level. Health insurance marketplaces were established in 2014 to provide additional access to private insurance coverage (T. (Ed.), n.d.). In contrast to the United States, the Japanese healthcare system is a universal public healthcare system. The health insurance system in Japan is mandatory and regulated by the government of Japan. It covers all medical, dental, and prescription drug needs. The health insurance system regulates costs by requiring every doctor and hospital to abide to the government’s pre-designed fees. The monthly insurance premiums are low at about $300 per family. If the fees cannot be paid, the government will step in and cover the costs (Japan's Health Insurance System, 2015). There are two health insurance systems to choose from. The Social Health Insurance (SHI), is the public healthcare system for everyone who’s employed full-time by a medium to large company. The patient and their employer contribute equally to SHI by each paying around 5% of their salary. The National Health Insurance (NHI) is for everyone else such as, students, freelancers, people who work for small companies, and a lot of foreigners in the early stages of their visit. Their contribution is based on their yearly income. It might cost them a little more than SHI would, although the first year is often very cheap (TransferWise, 2017). 2. In the United States, the number of uninsured children is presently at a historic low. Medicaid is the largest health insurance for children. It provides no cost health coverage to more than 36 million low-income children and children with disabilities. The ACA requires states to cover their children up to 138% of the federal poverty level under Medicaid, however, many states go beyond that to cover the children at higher incomes. The ACA allows children who are
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