Attention all AMERICANS?

Question

I am doing a report for university about healthcare in the USA, Could anyone plz outline the 3 main types and a description of what they do.

So far I am aware that:

MEDICARE - Treats the over 65

What are the other 2??

Thanks xx

Is the publis aid form not called - medi-something also??

social security treats the unemployed??

who does public aid treat???

what are the requirments for public aid???

Answer 1

Medicare has a couple of different types, that cover various things, I'm not sure on all the particulars, but I know there are tons of commercials on TV for alternate health care for lapses in Medicare coverage.... you don't nec. have to be 65 to get Medicare, you could also be on disablity.

There is also Medicaid- Medicaid is a state run insurance. There are typically income restrictions to obtaining this. Children are pretty much always eligible. Not all states have "medicaid", some states have various other versions, such as in Tennessee they have "Tenncare". In Maryland, which I am most familiar with, Medicaid is often run by private insurance companies, such as United Health Care, but also coordiantes with MAMSI and Maryland Health Partners. Not all treatments are covered by Medicaid either. For example, I work in the psychiatric section of the ER, and some people who come in for treatment may only have medicaid that covers outpatient services, or prescriptions, or maternity issues.

I dont know of a 3rd major insurance. There are a number of private health insurance companies out there. A couple of the big ones are Blue Cross/Blue Shield, Kaiser Perminente, or Aetna.

Lastly, where I work we have a number of patients that come in without health insurance. Hospitals are required to provide services to all people reguardless of whether or not they can pay. In these situations, often the hospital will call Medicaid and ask for a "Courtesy review", where Medicaid would say, "if this person had beinifits through us, this is what we would cover" then if Medicaid does pick up the person, the hospital can get paid something retroactive.

Its all pretty confusing, so I hope this helps somewhat.

Answer 2

Private insurance that you pay for, you would normally get this through your employer. You would pay a premium every time you get paid. You normally have a deducible ( you pay the first 100$ and then the insurance company pays 80% of all other medical expenses and you pay 20%) If you do not have a deductible you might have a copay, you pay 10$ every time you go to the doctor but not all doctors would take your insurance.Medicaid, for low income people

Answer 3

Medicare is a federal program that reimburses for people who are 65 years and older.

Medicaid is a program federally based again that reimburses for people under 65 who qualify for special help in some way, such as disability etc.

Each state may have its own funded program for people who qualify as low income. My state of Oregon is considering a universal health care plan starting in January. It would cover all uninsured people.

And finally there are private insurance programs. These are either group or individual plans. Plans are usually provided through employers who purchase them on behalf of their employees with part of the payment being received from the employee and withheld from their paycheck. Occasionally group plans can be purchased by affinity groups such as small-business owners.

However, most people who do not have insurance provided by their employer have to purchase individual plans. These plans require the purchaser to qualify for the plan and the rate charged is based upon the health of the individual according to various risk factors. In addition certain conditions can be excluded from being covered by the plan if the person has had difficulty with those health issues in the past.

This is in contrast to most group plans provided by employers way or all the employees gather are taken into a risk pool and charged the same rate for their insurance regardless of their health. State law usually prohibits excluding pre-existing conditions. So for some families who have serious health problems the only way they can get insurance is to get a regular job through an employer with insurance benefits.

And then there are those who are purposefully not covered by insurance. They are self insured. They could afford high deductible insurance in case of a major emergency but choose not to. They do not believe anything will happen to them come and prefer to spend their money on other things rather than mitigating that small risk of some major medical event that they would have to pay for.

This group includes even some in lower income strata who could afford to pay for major medical insurance with the money they spend on discretionary purchases such as cigarettes and entertainment and convenience foods.

Answer 4

I positioned on them at nighttime b/ca you may not confine Ms. Gina 24/7. She desires to respire. It reduces inflammation and different well-being concerns. TMI yet you asked. additionally, I make boxers look sturdy. lol. @think of crimson- that is incredibly particularly unsanitary to restrict your self like that for too long. a woman can incredibly have some nasty well-being concerns that make her look something yet female down there. that's why looser undergarments are a could.

Answer 5

social security and public aid

Answer 6

public -the poor or poverty level and unemployeed
private- the insured
medicare -over 65

Answer 7

Public aid treats trailer trash