between the employer and employee. If financially eligible, a child that exists in a low-income household may be eligible for Medicaid or CHIP which are funded by government and state. If a person becomes unemployed they risk penalties if they do not seek out private insurance or Cobra which is typically very expensive, especially for someone who has just become unemployed. Unemployed individuals often may also apply for Medicaid and receive this at low or no cost (HHS Office & Public Affairs (a), 2018). Some organizations provide low-cost services for low-income groups. However, service options may be limited as providers do not have to accept a given insurance. Citizens who retire age 65 or older become eligible for Medicare as well as receiving social security. Medicare has different plans to choose from. Each with different costs with co-pays and coverages (Mossialos, Djordjevic, Osborn, & Sarnak, 2017). Basically, in the U.S. there is separate systems for everyone: sick kids, people over 65, under 60, poor and unemployed, etc. (Reid, 2008). A2a. In Germany prescriptions are covered. The cost for a prescription is 10% of the cost of the drug. This amount is also has a cap amount which is 10eur (Reid, 2008). The United States medication coverage varies depending on insurance. The insurance
4 company dictates what medications are covered and at what costs. The member would have to contact the insurance provider of the specific plan to determine coverage and cost. A patient may have to pay large co-pays or out-of-pocket for necessary medications (HHS Office & Public Affairs (a), 2017). A2b. In Germany if you needed to see a specialist you make an appointment and can be seen relatively quickly by the specialist you choose to see. Compared to the US where you need to be seen
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- Spring '17