Retired individuals in the United States are able to acquire health insurance

Retired individuals in the united states are able to

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Retired individuals in the United States are able to acquire health insurance coverage through several different resources. If they have been a part of a health insurance plan through their job they may be eligible for retiree insurance through them. If sixty-five years or older, retired US citizens are eligible for Medicare benefits. If ineligible for either of these options they also have the opportunity of obtaining coverage through the Marketplace. (HealthCare.gov, n.d.) In Japan, if under the age of seventy-five, retired individuals would be eligible for the Japanese National Health Insurance. If over the age of seventy-five, individuals would be eligible for an independent insurance coverage program for the older population. Under this plan 90% of expenses are covered by the government. (Japan Health Policy Now, n.d.)A2a. In the United States, prescription drug coverage and cost will vary dependent on the insurance coverage you have. Depending on your insurance coverage, certain drugs may be considered ‘in formulary’, and thus would be less expensive than if you were to buy a different brand drug. Your health insurance also determines what pharmacies they will cover to have theseprescriptions filled. These pharmacies are known as ‘in network’ pharmacies. (HealthCare.gov, n.d.)In Japan the coverage for prescription drugs is much the same as their general health insurance coverage. The co-payments for prescriptions vary based on age of the individual, with a base level of a 30% co-payment. Unlike the United States, there are no limits placed on the drug brand or what pharmacy is covered by their insurance. (Japan Health Policy Now, n.d.)
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C489 TASK 3 4A2b.In the United States your health insurance program determines the requirements for a referral to a specialist. With some types of insurance you are required to have a primary care physician to refer you to a specialist, where in others this is not a requirement and you can see the specialist without this. The amount you pay for these specialist visits will vary based on your insurance as well, as they can either be considered ‘in network’ or ‘out of network’.In Japan, patients do not have these limitations based on insurance. They are not required
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  • Spring '16
  • Universal health care

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