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retired citizens may apply for Medicare once they become of age. Privately purchased insurance is also available to cover gaps in coverage.2a.In the U.S. for privately insured citizens there is usually a co-pay required for medications that is determined by the insurance company. This is also true for Medicaid users. Citizens who use Medicare do not usually have no, or very minimal co-pays for their prescriptions. (Medicaid.gov, n.d.) In Great Britain most prescriptions are covered under the universal plan. In the cases where a prescription
C489 TASK 33is not covered the citizen may purchase a prescription payment certificate to make it affordable through a payment plan. (NHS choices Your health, your choices, n.d.)2b.The requirements to get a referral to a specialist in the U.S. are different depending on the type of insurance had. There are two main plans for private insurance, PPO (preferred provider organizations) and HMO (health maintenance organization. Citizens with a PPO plan have direct access to most specialist and do not require a referral while citizens with an HMO plan have limited options for specialty visits and require a referral from a primary care prover to be seen.
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preferred provider organization, Health maintenance organization, Health insurance in the United States
, C806 Task 3