Some specialist does not need a referral from your primary care physician, so you can make an appointment regardless if they give you a referral or not. The specialist in Germany accept private and public insurances and your copays may be higher with a specialist compared to a PCP (German doctors: Visiting a doctor or specialist in Germany. (2017, June 13)). In the United States, some insurances require you to get a referral before seeing a specialist. You can make an appointment prior to getting a referral but your insurance company may not pay for the services that are done. For the insurances that do not require a referral, individuals can schedule their appointment with no problems. A2c. Coverage for preexisting conditions between the two healthcare systems A law was passed on January 1 st , 2014, that healthcare insurances cannot refuse to cover any individuals due to any current medical conditions. Insurance companies cannot increase the monthly premiums nor raise deductibles. Individuals with health problems are treated equally and respected the same as healthy individuals (Pre-Existing Conditions. (2017, January 31)). In Germany, having chronic medical conditions when picking an insurance, may cause your premiums to be high but the insurance companies cannot deny you insurance (2017, October 4)). A3. Financial implications
C489 Task 3: Healthcare Financing 6 The insurances in Germany are mainly based on a perception of welfare state. All of Germany must pay money into the system. Those individuals becoming sick or get into an accident receive money from the system to help them heal. Individuals risk not getting back all the money that one individual puts into the system. The monthly income of the household determines the amount of money that is put into the welfare state. When it comes to private insurance, the more medical conditions one individual has and the older you are, the more that person will pay for insurance. For the younger and healthier individuals, they will pay much less (German Health Care System – an Overview - Germany Health Insurance System. (n.d.)). Another financial implication when it comes to Germany’s insurance is, you must advise your employer during your first month of you job which insurance you want to take and produce a letter from your health insurance provider which will confirm the monthly bill. They do this because regardless of which insurance you take, your employer MUST pay a contribution towards your healthcare costs, so they know how much to deduct from your check. Most insurances in Germany only cover certain medical requirements. Therefore, you may have to shop around if you want dental care, physiotherapy, non-emergency sports or alternative medicine. In addition, depending on if you choose private or public insurance, depends on how much the employers contribution is (Live Work Germany. (2017, July 9)). Although you must pick an insurance company right of the bat, the insurance is a lot cheaper and is determined on how much you make. I believe that is a great thing because if you do not make a lot of money, you may struggle just to pay for health insurance. Germany does take each individual and his or her circumstances into consideration.
C489 Task 3: Healthcare Financing 7 With the United States healthcare, it can be very expensive. The cost of health care ranges from 6,500.00 to 7,500.00 per person in healthcare spending each year. With this amount of money, being spent in just healthcare causes a lot of financial burden on families. If
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- Fall '17