the consultation. They can visit clinics which offer specialist care and no referral is needed. A2C. Coverage for Preexisting ConditionsCoverage of preexisting conditions in the US were limited until 2010 when the Affordable Care Act was enacted. Through this insurance no one with preexisting conditions could be turned down for coverage and it also eliminates life time caps to insurance plans. In Japan no one can be turned down for preexisting conditions, insurance is available for everyone. Japan reduces coinsurance rates to patients with long-term diseases when using selected health care providers. Regardless of condition both the US and Japan’s citizens have access to health insurance. A3. Finance Implications for Healthcare DeliveryOne financial implication for patients in the US is the rising cost of prescription medications. Drug companies can charge whatever they want for their medications, there is no regulation on what can be charged like Japan. Copays can vary greatly depending on your plan/type of coverage. Due to high copays many patients become noncompliant with their medications leading to increased health issues, higher mortalities, and increased comorbidities. This can lead to a longer hospital stay and a higher hospital bill. Another financial implication is with individuals that do have health care insurance, the high monthly payments for a small Updated on 2/21/19
ORGANIZATIONAL SYSTEMS TASK 3 5family can greatly impact healthcare delivery. Depending on your plan/type of coverage your insurance has a set deductible, some may be high. Those unable to pay won’t get the care they need whereas those who do pay may end up drowning in dept and filing bankruptcy. This differs from Japan where 50% of hospitals are in financial deficit.