Organizational Systems and Quality Leadership Task 3, SAT1-0517/1217 Vickie Cuccarese Western Governors University
ORGANIZATIONAL SYSTEMS TASK 3 2 Healthcare Financing A1. Country to Compare This paper will compare the healthcare systems in the United States and Germany. A1. Access Germany requires everyone to have health insurance. If you make less than $35,000 per year you are required to join what is referred to as a “sickness fund” which are private not for profit insurances funded through premiums paid by employers and employees. These premiums are calculated on income, unlike the U.S. where your age determines how much it will cost and if you are insuring yourself alone or with your family. If your income is greater the $35,000 you can choose private health insurance. Many Germans that are in a sickness fund purchase private insurance as a supplement to cover copays and additional out of pocket expenses. All Germans pay into this system so those that earn less or are retired are still covered while the government covers the cost for the unemployed. The premium is 14.6% of their gross income split evenly with the employer paying 7.3%. Unemployed citizens in the U.S. are covered through Medicaid, which is funded by the federal and state governments. Children are covered under Medicaid for families that qualify. The Children’s Health Insurance Program (CHIP) covers children to age 19 for those whose incomes are too high and cannot afford private insurance on their own or through their employer. There is approximately five million Americans that remain uninsured as they fall into the “Medicaid gap”. They earn too much to qualify for Medicaid, cannot afford the premiums for private insurance, or make too little to qualify for the government subsidies to purchase insurance through the government’s healthcare exchange, the Affordable Healthcare Act (ACA) passed into law in 2010. In Germany all outpatient services for children Updated on 6/15/2018
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- Spring '19
- Health insurance in the United States