healthcare coverage to limited income or those with disabilities, and Children’s Health InsuranceProgram (CHIP) provides healthcare to children of low-income families that may not qualify forMedicaid (HealthCare). While these programs have significantly reduced the uninsured rate inthe U.S. there continues to be a number of uninsured citizens. Japan on the other hand provides a universal healthcare system. The government regulates healthcare for all citizens through a “Statutory Health Insurance System” (TJHCS). Citizens are required to enroll in the system and the system is mainly financed through taxes. Citizens that are enrolled in the SHI system after the age of 40 must also be enrolled in long term care insurance (TJHCS). The government regulates provider fees, provides subsidies, and supervises providers and members (TJHCS). There is a share of cost that varies depending on the age of the citizen, most citizens have a 30% share of cost while children under 6 and elderly 70-74 with low incomes have a 20% share of cost, and those over 75 with lower incomes are required to pay 10% of cost (TJHCS). There are maximum costs for low-income individuals as well as subsidies for low-income citizens with disabilities and chronic conditions (TJHCS). Medication Coverage:In the U.S. the ACA lists prescription coverage as 1 of the 10 essential health benefits. Although medication coverage depends on the insurance policy and will often have a share of cost or co-pay. Many will have a formulary list of medications they will cover meaning if the prescribing physician orders a medication not on the insurance formulary coverage may be partial or not covered meaning the patient would need to pay for the medication in full.
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- Spring '19
- Universal health care