To get this type of insurance, you need to confirm the low level of financial security. Medicaid can be used by:
With the help of insurance, people with a limited budget and other program participants:
can go to consultations. A dental doctor is on the list of doctors;
have the opportunity to treat a disease in a hospital;
may be vaccinated;
have the opportunity to purchase prescription drugs from a doctor;
children can receive preventive care;
can expect long-term care, for example, if Alzheimer’s is detected.
Thus, the program allows you to get a fairly large number of services.
Medicare Health Insurance System
Medicare is a large-scale state health insurance program. The reform carried out by the state implied its use for citizens over the age of 65, but now it applies to the sick and infirm (the status of “beneficiary”). The program is part of social insurance for which American citizens pay tax. The contribution will be transferred in the amount of 7.65% of the salary.
In the absence of official employment or in the presence of the “entrepreneur” status, the tax is 15.3% of the declared income level.
The structure of the program includes:
Part “A” – insurance is provided if there is a sick leave;
Part “B” – implies a visit to specialists (involved clinics are indicated in the policy) and outpatient treatment;
Part “C” – the formation of specialized insurance plans;
Part “D” – covers the cost of buying a medicine.
Medical benefits under the terms of the program can be issued by each patient who:
has chronic kidney disease;
lives in specialized nursing homes (a nurse takes care of them);
lives in boarding schools for the weak, and his or her life will be interrupted in the next 6 months.
At the expense of the program, the Ministry of Health pays for immunosuppressants after an organ transplant operation for 1 year (an antibiotic costs about 5 thousand dollars a year).
According to the rules, the department allows you to arrange additional insurance for Part “B” to citizens, provided that:
they have achieved a certain age – 65 years;
US citizenship or union states whose residents have the right to permanent residence in America or have lived on its territory for more than 5 years.
Important: if the policy of part “A” is issued, “B” can be issued automatically without any difficulties.
The democratic option does not allow citizens who have sufficient work experience to rely on social material assistance but they can voluntarily participate by transferring the appropriate contributions (without involving employers).
Healthcare in the USA: Advantages and Disadvantages
The healthcare industry in the United States has both pros and cons.
The most significant advantages include:
A high rating in the field of medical tourism;
The use of modern technology for every person, regardless of their social status;
The importance of professional medical ethics;
High level of medical education.
The cons of health care in America include:
The high cost of medical services;
Medicines can be purchased only with a prescription from your doctor.
It follows from the above that the US healthcare system is a world leader in the quality of treatment. In any case, each person independently determines for himself the positive and negative sides of the medical sphere in America.
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