Government Funded Healthcare Pl A National Public Health Insurance Program

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HEALTHCARE IN AMERICA
Healthcare in America is very complex and fragmented. There is no uniform health system and a lot of people still do not have insurance. Health insurance is purchased privately or provided by the government. The United States government funds two kinds of health plans – Medicare and Medicaid both of which began in 1965 and founded for the elderly, disabled, poor and young. The private health plan provides two types of health plans – Health management organization (HMO) and Preferred provider organization (PPO).
Government funded Healthcare Plan
Medicare is a national public health insurance program for people aged 65 and over as well as some disabled individuals. It is the largest health insurer in the country and is
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Part D is provided only through private insurance companies that have contracts with the government.
Medicaid is a program designed for low income and disabled people. By federal law, states must provide coverage for very poor pregnant women, children, elderly and disabled. It is jointly financed by the state and federal government through taxes and administered by each state. Coverage varies because states have established different requirements for eligibility; hence people in certain states receive a more generous benefit package under Medicaid than those in other states. In 2010 Medicaid expanded to allow private health insurance companies to offer affordable health insurance to low income people who would not qualify for Medicaid but do not make enough to pay for private health insurance. This was called the Affordable care Act and intended to provide coverage for free to people with income below the federal poverty level. However some states chose not to expand so eligibility in those states are more strict whereas it’s more lenient in states that opted into the Affordable care Act.

Other public systems
SCHIP – State Children’s Health Program- was founded in 1997 to cover children whose families make too much money to qualify for Medicaid but too little to purchase health insurance. It is administered by the department of health and human services and has similar structure as Medicaid.
Veteran Administration – The veteran’s Administration is a federally

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