As far as retirees or pensioners are covered by the public healthcare Task 3

As far as retirees or pensioners are covered by the

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As far as retirees, or pensioners, are covered by the public healthcare.
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Task 3 Healthcare Financing 3 In America there are public health insurance programs that offer health insurance to certain people that meet the requirements. Medicare provides coverage for those 65 years of age and older and those with disabilities. Medicaid is a public program that provides health insurance for those that fall below the poverty level. Then, there is the Children’s Health Insurance Program (CHIP) that offers a low-cost coverage for children in families that do not qualify for Medicaid. (International Healthcare System Profiles, n.d.-b) a. In Germany most prescriptions are completely covered by the “sickness funds” but residents may encounter a copay ranging from $6-12. Medications also have set prices and are not competitively priced. (Palfreman, 2008) In the United States prescription coverage varies based on health insurance plan. For example, Medicaid offers prescription coverage and many states require a small copay for outpatient prescriptions to be filled. Some high deductible health plans have no copays and some low deductible plans have copays for prescription coverage. Medications prices vary greatly and can be extremely expensive for specialty drugs such as chemotherapy agents. b. Germany: In most instances patients obtain a specialist referral from their general practitioner, however they do have the ability to make an appointment directly with the specialist of their choice without consulting their GP first. United States: In the U.S. specialist referral often depends on the insurance plan. Some insurance plans do not require a physician referral for a specialist visit, and some do. According to healthcare.gov, “In many Health Maintenance Organizations (HMOs), you need to get a
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  • Spring '19
  • Universal health care

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