same as the U.S. which has the same healthcare available for children. The primary difference is that Swiss children are required to be on their own insurance policy, however, in the U.S. a child
NURSING SCIENCE 4 can be on a family plan with their parents and siblings. The U.S. has Medicaid and Children’s Health Insurance Plan (CHIP) that provides free or low-cost health insurance to people with low or no income, families and children, pregnant women, the elderly and people with disabilities (HealthCare.gov, n.d.). COVERAGE OF MEDICATIONS In Switzerland, prescription medications are partially covered, the insured pays 10% and insurance pays 90%. For a prescription to be covered by insurance it must also be on the official list. Non-prescriptions medications are not covered by insurance (Expatica Communications 2017). Medications are much more expensive in the U.S. than in Switzerland, for example, the medication Oxycontin in the U.S. is approximately $265 for a four-week supply; however, in Switzerland, it would be around $95 (Mangan, 2016). My health insurance company only covers certain prescriptions so if my doctor prescribes a medication that’s not on the approved list then we would typically not be able to afford it. REFERRAL TO SEE A SPECIALIST In Switzerland, patients are permitted to see any doctor they choose unless the specific insurance policy says otherwise. Swiss Citizens aren’t required to obtain a referral from their doctor to visit a specialist (Expatica Communications, 2017). There are many insurance companies that mandate a referral to a specialist in the U.S. If someone needs a referral to a specialist it typically needs to come from the primary care physician. Insurance companies can deny a claim if a required referral wasn’t made and the patient went to see a specialist anyway. COVERAGE FOR PREEXISTING CONDITIONS In both Switzerland and the U.S., there are no restrictions on insurance coverage for pre- existing conditions. A preexisting condition means that a person has already sought some type of
NURSING SCIENCE 5 medical care or advice for a condition. What that means is a new insurance company cannot deny you coverage for a previous illness. In the U.S. prior to 2014, you could be denied coverage for pre-existing conditions, however, President Obama signed into law the Affordable Care Act.
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