kirstin 489 task 3.docx - Organizational Systems and Quality Leadership Task 3 SAT1-0517\/1217 Western Governors University ORGANIZATIONAL SYSTEMS TASK 3

kirstin 489 task 3.docx - Organizational Systems and...

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Organizational Systems and Quality Leadership Task 3, SAT1-0517/1217 Western Governors University
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ORGANIZATIONAL SYSTEMS TASK 3 2 Healthcare Financing This template is intended to be used for task 3 for SAT1-0517/1217 . Please follow the task instructions and rubric in TASKSTREAM in responding to these prompts. A1. Country to Compare I’m choosing to compare Germany vs. the United States. A1. Access In the US, it used to be that health insurance was up to each individual. They could either carry insurance through an employer, through private insurance, or not obtain insurance at all. But, since the Affordable Care Act aka Obamacare passed in 2010, everyone is required to obtain health insurance or they will be penalized on their taxes. So, since that act you can either obtain insurance through your employer, through a state or federally funded government health insurance called Medicaid, through private insurance paid for by the individual, or Medicare. In Germany, it is mandatory for all citizens to carry health insurance, just like it is now in the US. It is provided by two systems which are Statutory Health Insurance (SHI) or (GKV), and Private Health Insurance (PHI). The more you earn, the more you will pay into your insurance. People who make more money or are self-employed usually carry the private insurance. About 86 percent of the population receive their primary coverage through SHI and 11 percent through substitutive PHI (International Health Care System Profiles, 2019). Children who are not insured can qualify for Children’s Health Insurance Plan (CHIP). The Children’s Health Insurance Program (CHIP) provides health coverage to eligible children, through both Medicaid and separate CHIP programs. CHIP is administered by states, according Updated on 6/15/2018
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