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A2B. Referral to See a SpecialistThe ability to see a specialist in the United States is determined by the type of insurance plan one has. Preferred Provider Organization (PPO) plans do not require a referral from the Primary Care Physician to see a Specialist. Whereas, Health Maintenance Organization (HMO) are strict on that process and require the PCP to make a referral. On the contrary, the insured of Japan can be able to see any specialist they feel they need to see. They don’t even require an appointment; they can just walk-in.A2C. Coverage for Preexisting ConditionsThe Affordable Care Act was implemented in the United States, making it possible for people with preexisting conditions to obtain insurance and receive care. Conversely, the insured of Japan have access to insurance coverage even with a preexisting condition. A3. Finance Implications for Healthcare DeliveryThe financial implications for healthcare delivery in the United States is that it benefits the system and the providers more than it does the insured. Healthcare cost is steadily rising.