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As far as retirees, or pensioners, are covered by the public healthcare.
Task 3 Healthcare Financing3In America there are public health insurance programs that offer health insurance to certainpeople that meet the requirements. Medicare provides coverage for those 65 years of age andolder and those with disabilities. Medicaid is a public program that provides health insurance forthose 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 residentsmay encounter a copay ranging from $6-12. Medications also have set prices and are notcompetitively priced. (Palfreman, 2008)In the United States prescription coverage varies based on health insurance plan. Forexample, Medicaid offers prescription coverage and many states require a small copay foroutpatient prescriptions to be filled. Some high deductible health plans have no copays and somelow deductible plans have copays for prescription coverage. Medications prices vary greatly andcan be extremely expensive for specialty drugs such as chemotherapy agents. b.Germany:In most instances patients obtain a specialist referral from their generalpractitioner, however they do have the ability to make an appointment directly with thespecialist of their choice without consulting their GP first. United States:In the U.S. specialist referral often depends on the insurance plan. Some insuranceplans do not require a physician referral for a specialist visit, and some do. According tohealthcare.gov, “In many Health Maintenance Organizations (HMOs), you need to get a