health coverage through private voluntary health insurance (VHI), whether it be employer- provided insurance or privately-acquired insurance. Public programs are also provided through government and state agencies, such as Medicare for the retired and Medicaid for uninsured and
low-income residents. There are also specific programs designed to benefit children, such as the Children's Health Insurance Program. This program is designed for children of families that earn too much money to qualify for Medicaid. The unemployed individual can apply for healthcare through the marketplace, which determines eligibility based on income and household size and not employment status. They are also eligible for private insurance at the time of job loss, but many times this option is unaffordable due to high premiums. Another option is to apply for subsidized insurance or Medicaid, depending on unemployment compensation (The Commonwealth Fund, 2015). A2a. Coverage of Medications In Japan, all prices involving medical care are set by the government and are fixed. Every two years the government’s health ministry and physicians reevaluate the prices and make adjustments as needed. This means that all medication prices are fixed, and everyone pays the same (Palfreman & Reid, 2008). Generic drugs are not as popular in Japan as they are in the US (JHPN, n.d.). Medication costs in the US vary depending on the type of coverage. There is normally a co-pay with each prescription, and this can differ depending on whether the medication is a brand name or generic name. Most medication costs are only discounted but not fully covered. Prescription drugs are very expensive and drug companies are quite competitive. Many elderly people on Medicare and those paying for prescriptions out of pocket many times cannot afford their medications. Sometimes insurance companies will cover a generic drug but not a brand name (The Commonwealth Fund, 2015).
A2b. The Requirements for Seeing a Specialist
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- Fall '18
- Task 3, Health insurance in the United States