first-time consultation fee (TEGJ, 2017). A2C. Coverage for Preexisting Conditions Prior to January 1, 2014, the US denied healthcare coverage, charged more or limited coverage due to preexisting conditions under the Pre-existing Condition Insurance Plan (PCIP) (HHS, 2017b). Individuals with preexisting conditions could be denied treatment by a healthcare provider or treatment
Organizational System Task 1 5 wouldn’t be covered. Since January 1, 2014, the US enacted the Affordable Care Act (ACA), which states that health insurance companies can’t refuse coverage or charge more because of pre-existing conditions. In Japan, the health insurance system is mandatory and government regulated. Individuals with preexisting conditions can’t be denied coverage if they are permanent residents (PCV, 2015). The Japanese government decided this to be essential because of their certainty that preserving a “healthy, productive work force contributes to the nation’s wealth” (Cooper & Taylor, 1994). A3. Finance Implications for Healthcare Delivery US healthcare costs per person are the highest in the industrialized world and growing the fastest, ensuring difficult access to healthcare. In 2010, the ACA was enacted to mandate that everyone was to have healthcare coverage. Breaches in coverage and high cost still exist. Typically, healthcare insurance is obtained through employers or through private insurance companies. Both options can be costly and coverage varies greatly. In addition to medical plans, dental, optical and prescription drug plans can be added for additional costs. Costs of healthcare are not regulated by the government. Co-pays differ greatly contingent upon where treatment is sought depending on healthcare insurance. Claims can easily be denied. The average healthcare insurance premiums for a US family were
Organizational System Task 1 6 $1,021 (Horton, 2018). If premiums can’t be paid insurance coverage can be dropped. In Japan, their healthcare is government controlled and it’s mandatory for everyone to be covered; no one is declined. Medical, dental, optical and prescription drugs plans and the costs associated with them are covered and regulated by the government. Each physician or hospital will charge identical fees for identical services.
You've reached the end of your free preview.
Want to read all 7 pages?
- Spring '17