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    1. #1

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      American Healthcare

      The American Healthcare System

      In the American Law itís not said that every American has to be insured. So the American healthcare system is a heavily private system, thatís why about 15% of Americans under the age of 65 years are not insured. Everyone has to choose whether he wants to insure himself (and his family) or not.

      If there is an emergency everyone gets the medical service he needs, but if there is no emergency every doctor or hospital has the right not to care for you if he knows you are unable to pay the bill.
      Nevertheless most people are insured (85%) because of the job-based health plan or because they insure themselves with an insurance company. But employers donít have to insure you, most of them do it voluntarily.
      The price for the insurance depends on what is covered and what is not. So the cheapest price might not be the best solution because many medical bills might be uncovered and you have to pay them yourself.

      In America you canít always keep your doctor if you are insured. The insurance companies have a network with many doctors and hospitals and you have to check if your doctor is on their list or not. The doctors provided in the list are the ones who care for the members of this company.
      Most insurance companies are private businesses; they are not from the government. Only Medicaid and Medicare are governmental institutions.

      Types of insurance plans
      There are 5 different plans to choose from. It depends on the plan what you have to pay, and for extra costs you might even keep your doctor.
      1. HMO (Health maintenance organizations):
      a. Only covers network-care (doctors/hospitals that are in the network with the company)
      b. You have to live or work in its service area
      2. EPO (Exclusive provider organization):
      a. Only covers network-care
      b. In comparison to HMO: you donít have to live/work in its service area to get covered
      3. PPO (Preferred provider organization):
      a. You get the cheaper fare if you go to a doctor/hospital within the network, but you can also choose your own doctor for additional costs
      4. POS (Point-of-service) :
      a. You pay less if you take a doctor out of the network
      b. If you get a suggestion from the doctor you can also see a specialist without additional costs
      5. Fee for service plan:
      a. Doctors are paid for each service they performed
      b. There is no network with doctors/hospitals, you can choose whoever you want

      For people over 65 or these under 65 with disabilities there is a program called Medicare. It covers inpatient care in hospitals, as well as a hospice or home health care. Those who need prescription drugs can also get them with the help of Medicare and all doctor or preventive services are covered, too. Medicare is time limited, if you need help/care for longer time long-term care covers the service.
      Long-term care or personal assistance is for those who need help in their daily life because of chronic illness or disability. Long-term care is provided at home or in nursing homes. Most insurance plans donít pay for long-term care.
      Another insurance option is Medicaid. Medicaid is for those with low incomes, disabilities or for old people and some families with children. There are several benefits you can get with Medicaid, it depends in which state you are living. For further information check out the Medicaid office in your state.

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    3. #2

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      If only it was that simple

    4. #3

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      Quote Originally Posted by Pink View Post
      If only it was that simple
      Come on tell us more, pretty please