vaccinations (not travel vaccinations) and medical care related to pregnancy and birth.” (Institute for Quality and Efficiency in Health Care, 2018) According to the same review, most common out-of-pocket expenses for Germans are small co- pays for things such as speech therapy, medical devices, and some medications- though most medications are fully covered by insurance. The amount of co-pay is a fixed price by the government based on a person’s income and an agreed price between the pharmaceutical company and the German government. Most drug copays are anywhere between 5-15 Euros and the average hospital stay co-pays are 30-40 Euros. The financial implications are higher for those who want a private hospital room, cosmetic procedures, some dental procedures or to be cared by senior consultants/surgeons, as they will have to pay for those requests out of pocket or pay for private health insurance coverage that offers those benefits. (Institute for Quality and Efficiency in Health Care, 2018) The American healthcare system has much higher financial implications than that of Germany. In America, those with privatized insurance, and even Medicare, have out-of-pocket expenses such as premiums, deductibles and copays. Americans struggle paying their deductibles and copays. According to the 2020 Salary Finance report, as many as 32% of Americans are currently in medical debt- evidence that while Americans may have access to health insurance, they do not have easy access to healthcare services.
Resources Blümel, M., Busse, R., & Berlin University of Technology. (n.d.). Accessed on March 1, 2020. The German Health Care System. Retrieved from Institute for Quality and Efficiency in Health Care. (2018, February 8). Health care in Germany: Health insurance in Germany. Retrieved April 1, 2020, from Centers for Medicare & Medicaid Services. (n.d.). Children's Health Insurance Program. Retrieved April 4, 2020, from Medicare.gov. (n.d.). the official U.S. government site for Medicare. Retrieved April 5, 2020, from The Commonwealth Fund. (n.d.). International Health Care System Profiles. Retrieved March 12, 2020, from The U.S. Health Care System: An International Perspective. (2016). Retrieved March 21, 2020, from Department for Professional Employees website: - publications/issue-fact-sheets/the-u-s-health-care-system-an-international-perspective/
The 2020 Salary Finance Report: Inside the Wallets of Working Americans. (n.d.). Retrieved from United States Census Bureau. (2019, September). Income, Poverty and Health Insurance: 2018. Retrieved April 1, 2020, from - kits/2019/iphi/presentation-iphi-overview.pdf
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