residents staying for three months and longer. SHI covers the employee and family as dependents. The employer covers half of the cost. For NHI, each member of the family should be enrolled and all premiums are based on annual income and charged to the head of the family (Wanavi.org, 2017). Working parents can include their children on their healthcare policy,
3 otherwise, they can apply for coverage through NHI which is free but can only be covered by this insurance till the age of 15 or in some areas till grade 3. From grade 4 to 6, a maximum payment of 500 yen is paid per visit (Manavi.org, 2017). Unemployed and retired (under age 75) citizens are covered by the NHI program. For citizens over age 75, they qualify for a Long-Life health care wherein medical premiums will be deducted from their pensions (Health Insurance, n.d.). A2A. Coverage of Medications In the United States, prescription drug prices are among the highest in the world due to its high rate of drug diagnosis. Health insurance covers most prescription medications with copayments. Some use “generic” medications instead of brand name medications to keep the copayments affordable. Some government plans may require separate prescription coverage on medications that are not covered. In Japan, prescription drugs are more reasonably priced than the United States. The government sets a list of standard prices. Prescription medications are covered by NHI programs. A2B. Referral to See a Specialist In the United States, to see a specialist usually depends on the type of insurance plans. In many Health Maintenance Organizations (HMOs), a referral is required from the primary care physician to see a specialist and get medical care, otherwise, the plan may not pay for the services. An HMO typically covers only visits within the network. Similarly, Point of Service
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- Fall '18
- Universal health care, C489 Task 3