What are the Healthcare Systems Available for Me?

Different Healthcare Systems

Healthcare has become such an important issue in American society. After-all one of Obama’s main focus during his presidential reelection was an increase in healthcare services. One of the main issues during the fiscal cliff decision was the refusal many Democrats to cut services such as healthcare. As healthcare continues to get more expensive in the United States, people are finding it more difficult to find a healthcare provide that suits their needs and affordability. Thank goodness there are a number of different providers in the United States from providers who help low and unfortunate families to high end providers who cover a majority of all medical costs. Below lists a few of the major healthcare systems:

Universal Healthcare

  1. In some country’s international, there is a Universal Healthcare system. In these countries, the government funds a majority of the healthcare while employers pay the extra. Canada’s medical program was expanded through Canada’s Medical Care Act to offer nearly Universal Healthcare to all Canadians depending on their need and availability to pay. China offers a Rural Universal system for the terminally ill which is paid for by the patients and the government.

Medicare

  1. Though a Universal Healthcare system is not offered by the United States, it does offer a similar system. Medicare covers a majority of the hospital and healthcare bills for individuals who are over 65 or 21 and younger in special income families. Medicare is offered to low income families and covers a majority of the hospital bills from x-rays to daily checkups. Families must quality to receive Medicare. Through Medicare a family’s hospital bill can be lowered significantly.

Medicaid

  1. Medicaid is another government provided healthcare system that is designated for low income families. The system is funded by the federal government, local governments, and by the patients themselves. This system often covers more money for individuals who are suffering from several disabilities or pain.  An individual who comes from a low income family will often receive less than an individual who has heart problems and comes from a equally low income family.

PPOs

  1. PPOs (Preferred provider organization plans) is a healthcare system that allows participants to pay for the services that they have incurred. Individuals enroll through the program with their employer and contribute a certain amount of money to the plan. Hospitals and insurance companies will normally take the money as a deductable. This can help decrease the amount of money that participants pay for hospital and check up services. Preferred provider organizations also have partnerships with doctors and offer a number of discounts.

HMOs

  1. HMO (Health Maintance Organization) offers individuals the ability to pay a premium in order to have access to a wide range of different health benefits. Health Maintance Organization has been able to offer more affordable healthcare to Americans. HMO offers discounts with the various healthcare providers. An individual is designated a specific main physician which will direct the individual to a specific specialist. One of the main advantages that HMOs offer to their participants is the direct care and specialization that they offer. Each patient is able to receive individual care from professional doctors and nurses all at an affordable price.

For more information on other types of healthcare systems or the healthcare systems above, please click on the links below!

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