ORGANIZATIONAL SYSTEMS TASK 3 3 also meet certain wage requirements (U.S. Department of Labor, n.d). The Japanese government provide a sort of safety net for individuals who become unemployed. For one, if you lose your job, you do not lose your insurance. Instead, you join Citizens Health Insurance which is a community insurer (International Commonwealth Fund, 2017). With this insurance, individuals are eligible for reduced premium payments and reduced coinsurance rates. The average retirement age in the United States is 65 years old. The U.S provides a health insurance plan for persons 65 years old and over called Medicare. According to Cherry & Jacob, Medicare can best be defined as a health insurance program for “persons 65 years of age and older who qualify for Social Security benefits” (2017). The plan has two parts: part A and part B. In part A, the plan covers hospital stays and skilled nursing facilities if needed. While in part B a premium payment is required but it covers provider services and supplies (Cherry & Jacob, 2017). In Japan, the average of retirees is also 65 years old. Retirees must depend on the National Health Insurance (NHI) system for health insurance. It covers retired persons under the age of 75 and enrollees pay the plans through premiums. There is also health insurance for individuals 75 years and older in which the premiums for the plan are deducted from their pension (Health and Global Policy Institute, n.d). A2A. Coverage of Medications Coverage of medications in Japan are covered by the NHI and Employee Insurance. The insurances are comprehensive and will cover anywhere from 70% to 90% of illness or injury related charges, depending on your age (InterNationsGO! 2018). In the United States, medication coverage is dependent on your healthcare plan. Many enrollees are required to pay the difference of medication costs that the insurance does not cover. This can cause many problems for patients with minimal income and are unable to pay. The PPACA established a benefits package that
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- Spring '19
- Universal health care, health insurance coverage