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Strengths and weaknesses of the german healthcare system
The relationship between poverty and healthcare
How does poverty affect health care
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In the 1880’s Germany became the first country in the world to implement a universal healthcare system (Skolnik, 2012). Centuries later, many high-income nations use Germany’s healthcare system as a model for their own (Skolnik, 2012). In 2013, Germany spent 11.3% of their gross domestic product on healthcare ("World Factbook: Germany ," n.d.). The health system in Germany is heavily regulated by the government to ensure everyone has the ability to receive high quality, affordable care (Skolnik, 2012). All legal residents of Germany are required by law to have health insurance (Blumel & Busse, 2015). Public health insurance in Germany is covered by sickness funds that are organized by region and occupation (Skolnik, 2012). Working people pay …show more content…
As they began to experience the benefits of this program, opinions changed (Obermann et al., 2013). In 2012, 11.3% of Germany’s gross domestic product was spent on their healthcare system. The German healthcare system is paid for primarily through payroll taxes (Clarke & Bidgood, 2013). 15.5% of the country’s gross wages are paid into sickness funds (Clarke & Bidgood, 2013). Prior to 2011, employers and employees paid equal amounts into the healthcare system (Obermann et al., 2013). As the costs of healthcare services increased, employers began to struggle to pay their equal contributions. Reforms in 2011 froze employers’ contributions at 7.3%, while employees continued to experience raises in their contribution. Currently, employed citizens pay 8.2% of their pre-tax income (Obermann et al., …show more content…
High levels of unemployment paired with a growing aging population have strained previously abundant funds (Kuhlmann, Allsop, & Saks, 2009). Currently, all SHI recipients over the age of eighteen are required to pay co-payments for most medical visits (Clarke & Bidgood, 2013). Populations who are exempt from co-payments are children, those who have been injured at work, and pregnant women (Clarke & Bidgood, 2013). However, these payments are limited to 2% of a household income per year. Once a household pays 2% of their income, they are no longer required to provide co-payments (Clarke & Bidgood,
While most countries around the world have some form of universal national health care system, the United States, one of the wealthiest countries in the world, does not. There are much more benefits to the U.S. adopting a dorm of national health care system than to keep its current system, which has proved to be unnecessarily expensive, complicated, and overall inefficient.
In comparison, Germany spent slightly more than 11% of GDP (2011) towards healthcare funding. Universal health insurance is available to everybody with an option to purchase private insurance coverage (The U.S. Health Care System: An International Perspective, 2014). Approximately 90% of the population uses the national system in which premiums are income based. The system uses 240 private insurers for a non-profit, competitive system. Insurance costs are significantly less than the U.S. due to cost negotiations for medical facilities, appointments, and prescription medications (Sick Around the World, 2008).
According to editorial one, universal health care is a right that every American should be able to obtain. The author provides the scenario that insurance companies reject people with preexisting conditions and that people typically wait to receive health care until it's too much of a problem due to the extreme costs. Both of these scenarios are common among Americans so the author uses those situations to appeal to the readers' emotions. Editorial one also includes logical evidence that America could follow Canada's and Europe's universal health care systems because both of those nations are excelling in it.
A Canadian Dermatologist who once worked in the United States breaks down the pros and cons of Canada’s health care system and explains why he thinks the Canadian system is superior to America’s. Canada runs a single payer health care system, which means that health care is controlled by the government rather than private insurance companies. One of the main pros of the Canadian health care system is that everyone is insured. He says that in the province of Ontario, the Ministry of Health insures all of its citizens, all important health needs such as physician visits, home nursing and physical therapy are covered. Since every resident is covered under the government plan the problem of patients being turned away due to lacking medical coverage
The facts bear out the conclusion that the way healthcare in this country is distributed is flawed. It causes us to lose money, productivity, and unjustly leaves too many people struggling for what Thomas Jefferson realized was fundamental. Among industrialized countries, America holds the unique position of not having any form of universal health care. This should lead Americans to ask why the health of its citizens is “less equal” than the health of a European.
Out of all the industrialized countries in the world, the United States is the only one that doesn’t have a universal health care plan (Yamin 1157). The current health care system in the United States relies on employer-sponsored insurance programs or purchase of individual insurance plans. Employer-sponsored coverage has dropped from roughly 80 percent in 1982 to a little over 60 percent in 2006 (Kinney 809). The government does provide...
However, our system is based on money. The more money you have to spend, the better medical services you will receive. ?According to the Bureau of Labor education at the university of main (2003), America spends more money oh health care than any other nation, "$4,178 per capita on health care in 1998?, compared to the average of $1,783. (BLE., 2003, p.23). Still an estimated "42.5 million Americans are living without health insurance", which prevents them from receiving medical treatment. (Climan, Scharff, 2003, p.33). The numbers of un-insured Americans continue to rise. Tim Middleton (2002) states, ?insurance premiums grow at a rate greater than wages,? when you have a low-income job. (¶ 9). With our current economy recession, taxes are rising and small business employers are unable to purchase health plans for their employees. Employees are realizing that they are unable to gain insurance from their jobs and beginning to speak out about the high price of health care.
Luckily under the new health care reform law, most people will receive help paying for their healthcare premiums and cost-sharing expenses that people with insurance have to pay out of pocket for doctor visits, and prescription medicine. Families and individuals will be able to receive this assistance with incomes between one hundred and four hundred percent of the federal poverty line. One hundred to four hundred percent makes up at about $23,000 to $94,000 a year assume this is for a family of four.
A health care system that provides free health care services to its entire citizen can be termed as universal health care. This is a situation where all citizens are protected from financial costs in health care. It is recognized around the globe as it provides a specific package of benefits to all citizens in the entire nation. For instance, free health care can result to improved health outcomes. In addition, it provides financial risk protection and an improved access to health services. There is an increasing debate on how citizen should be provided with free medical services. Although United State does not permit free health care services it should have free health care for all citizens. This is due to the fact that healthcare is the largest industry in United State. Due to the fact that United State is a rich country, it should have a healthcare system that provides free services such as treatment for its entire citizen. This will play a significant role, as it will stop medical bankruptcies in...
American people look at their insurance bills, co-pays and drug costs, and can't understand why they continue to increase. The insured should consider all of these reasons before getting upset. In 2004, employee health care premiums increased over 11 percent, four times more than the rate of inflation. In 2003, premiums rose 10.1 percent and in 2002 they rose 15 percent. Employee spending for coverage increased 126 percent between 2000 and 2004. Those increases were lower than expected. (National Coalition on Health Care, 2005, Facts on health care costs). Premiums have risen five times faster than workers wages, on average. If medical spending continues to rise by just two percent more than personal income, by 2040 Medicare and Medicaid would hit 18.5 percent of the gross domestic product, leading the federal deficit to be 20.7 of the gross domestic product. (Melcer, R., 2004, St Louis Post-Dispatch, Rising Costs of healthcare pose huge challenges).
The steady rise of healthcare costs and the ever increasing cost of health insurance premiums are making it harder and harder for employers to pay healthcare premiums for their employees. In the past, it was almost a given that employers picked up the tab for health insurance coverage. The health coverage was usually exceptional with little or no money paid out of pocket by the individual for the insurance premiums. Those appear to be the “good old days”, with fewer and fewer employers shelling out money for health insurance premiums and demanding a larger percentage to be paid by the employee. Other employers are simply unable to financially provide healthcare coverage for their employees and have stopped all together.
Healthcare is the maintenance or restoration of health by treatment from trained and licensed professionals (Webster). The American people faced many issues with the way the healthcare system is split up. There are four basic healthcare models the United States usescurrently. First, PBS describes that the Beveridge model, covered/ran by the government, through tax payments. This is the only model used in Great Britain but in America it only covers veterans and soldiers, in Great Britain everyone in the country has coverage by it . Another system model the US takes up is the Bismarck model,it helps people to buy their own health insurance through their employer (Healthcare Economist). Three main countries that use this model are Japan, Switzerland, and Germany whose ex-leader, Chancellor Otto Von Bismarck, created the Bismarck method of health care. Which not only covers 90% of their country but allowsthe rich 10% opt out (Reid&Palfreman). An Americans third model option takes of the ideas of both Beveridge and Bismarck and its name is the National Health Insurance (NHI), which Taiwan operates with. The NHI allows private providers to become a choice even though citizens. These four systems have been used for decades and President Obama has put a bill together to propose a change in America'shealthcare. The Affordable Care Act [Obamacare], will give coverage through employers, help people find their own insurance, or government coverage through Medicare for the elderly, and Medicaid for a 1/3 of others (KFF). Medicaid is offered for those with low income, but only states with governors and legislators who approve for this one actually benefit the KFF (Kaiser family foundation) explained. Those who don't have or want health insuranc...
To further understand the US healthcare system and put in context how health coverage is provided to its population it is important to compare the US health system to another country like the Netherlands. In the Netherlands healthcare coverage has been achieved through competitive insurance markets similar to the US and the Dutch government does not control prices, productive capacity or funds but instead only acts as a regulator (Daley & Gubb, 2011). In 2006 the Dutch government held healthcare reforms because the country faced an issue that was very similar to the US, in regards to healthcare coverage inequalities, the population was covered through private and public health insurance, with stable private health insurance for the wealthy and unstable public insurance which lacked patient focus and was inefficient in comparison (Daley & Gubb, 2011). Many factors called for healthcare reformation in the Netherlands like a disarranged structure that ineffectively controlled cream skimming, lack of competitive incentives that for insurance companies resulting in bad performance, and the rising premiums
A significant emphasis on punctuality is a practice among the German American workers. Working with the German American nurse indicates respect and pride for the work done, delivers high priority of the assigned responsibility and the capability of voicing the opinion and decision of the work. Regarding delivery of health care to the patient, it is important to ask the patients on how to be addressed, providing privacy always and asking permission to enter the patient room is a usual practice among the health care provider.
Switzerland is predominately known for its great health care, rated as best in the world. This is largely due to how it is organized. Reorganization began in the 1994 with the Federal Heath Insurance Act, which came effect in 1996. The system is basically organized into 26 cantons, which are equivalent to US states. Each canton is responsible for the health care of the people in that region and insurance companies operate on a regional basis (James). The government decides on what policies will be covered, and sets prices of the cost of medial charges (McManus). In addition, with in the system there is a complex way with how access, quality and cost are organized.