private and for-profit insurers. Germany does not have a fragmented system such as welfare, Medicaid and Medicare. Almost all its citizens and residents have health insurance, a comprehensive system that provides insurance to Germans. The per capital cost of Germany’s healthcare is less than half that of the cost in U.S. Germans are expected to contribute about 15.5% of their gross income, shared equally between employer and employee to the sickness fund. Therefore, premiums are not based on risk, marital status, family size or health related issues as in the U.S. Children and spouse who are non-earners stays on their insurance. In Germany insurance regulation is managed to ensure socially desired end. Germans have no deductible and a low copay while US citizens mostly have high deductibles and copays. This and other factors may serve as a deterrent to people in accessing care. It is worth noting that the ACA made provision for certain basic preventive care services to be offered free of charge without
Organizational Systems and Quality Leadership C489 Task 3 4 deductible or copays as a way of increasing access. U.S. healthcare system is uneven with disparities that inadvertently affects minorities and the poor, while Germany’s healthcare system is well integrated that provides even services to its citizens without disparities. ( Ridic, Gleason, & Ridic,. 2012). Access for Children In the U.S. after the enactment of the ACA, insurance providers were mandated to provide coverage for dependent children until age 26, irrespective of their financial situation or student status. Research indicates that insurance coverage children expanded by 3-5 % points and 2.3 million young adults (aged 19-25) gained what is termed dependent coverage, from 2010 to 2013. While in the U.S. insurance providers estimate premium base on family size and other factors which might mean still a higher premium for having children on the parents plan. This will increase the financial burden on parents. ( Chen W. 2018). In addition to allowing children to stay on their parent’s insurance, Medicaid and the Children’s Health Insurance Program (CHIP) provides low cost insurance coverage for people whose income is above Medicaid requirement but lacks the financial power to purchase private health insurance. CHIP closely work with states in providing health insurance coverage for children, including in some case pregnant women. In some states, CHIP goes with some copayments and or low premiums. Approximately over 8 million low income children gained health insurance through CHIP. (Medicaid and CHIP). Data shows that minorities and children are inordinately uninsured with about 6% of children uninsured. (The U.S. Health Care System: An International Perspective, 2016)
Organizational Systems and Quality Leadership C489 Task 3 5 On the contrary to the U.S., In Germany all children and non-earning spouse of all legal residents are covered by the Statutory Health Insurance (SHI) free of charge if they don’t earn money or they make too little. Children with disability will always be covered through their parent’s insurance. There is a universal coverage for all children in Germany, while US has a broken system that does not cover all children. (
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- Winter '20
- Health care in the United States, Universal health care , Western Governors University