take weeks or even months due to the high amount of scheduled appointments. Seeing a specialist is extremely expensive and can lead to high copayments and bills. Walk ins are not available for specialty doctors in the United States. A2c. Preexisting Conditions Japanese public health insurance covers preexisting conditions. Private insurance companies have different options regarding preexisting conditions. For example, there is cover after a waiting period option where an insurance company will insure a patient and if 24 months go by without seeking treatment for that condition they will now cover the condition. Other insurance companies will cover the preexisting conditions with higher premium pays. There are insurance companies that exclude preexisting conditions but cover other medical expenses. As of January 1, 2014, health insurance companies in the united states are not allowed to refuse or charge you more for preexisting health conditions. All public and private insurances must provide you insure regardless of your preexisting conditions. The only health insurance that does not have to abide by this policy is grandfathered health insurance. This means health insurances that were purchased before or After March 23 ,2010. Before the Affordable Care act the United States allowed insurance companies to deny people for preexisting conditions. The Pre-Existing Condition Insurance Plan was available for people affected by this. A3. Financial Implications Patients in Japan never have to worry about being left with a full bill of their medical expenses. The national insurance or the employer will always cover at least 70% of the medical expenses. Some patients may have trouble paying the 30% so it is calculated based off income and age. If a patient has no income they may be negatively affected. Japanese woman who are pregnant do not have many coverage options. This can cause families to have to come out of pocket often for
pregnancies which can leave a strain on the families. Since prices are negotiated most residents of Japan are financially able to cover these expenses. Japan makes sure that they keep their
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- Fall '18
- Universal health care, United States Health Insurance