Health Care

In 2010, the United States created The Affordable Care Act (ACA). The objective was to share the responsibility of costs between the government, individuals, and employers to provide affordable access to quality health insurance. “However, health coverage remains fragmented, with numerous private and public sources, as well as wide gaps in insured rates across the U.S. population.” (“United States: International Health Care System Profiles,” n.d.). Each individual state within the US, generally has control over private insurance.

The United States’ health care system in comparison to the Germany health system seems to be fairly similar in many ways; however there are some major differences. One seems to be divided into public and private sectors and funded mostly by the public; Germany's, is considered better at times which tends to run differently. In the two healthcare systems, both systems are taking the time to spend quite a bit of the governmental revenue on health but still have two of the lower life expectancies. The United States faces severe challenges in access to health care, cost effectiveness, equity, and to a lesser extent in coordinating care. Meanwhile, the German system is confronted by problems in coordinating care and controlling costs.

Health care in America is a serious issue as it involves families that are unable to receive accessible, affordable and quality medical treatment. Middle class or impoverished families are unable to receive the benefits of health care due to low income levels and a volatile economy. Politicians discuss the reformation of the health care system, but people who are uninsured suffer the consequences of a system that overlooks middle class families in favor of wealthy families, a dominant issue for conflict theorists. Some argue that the health care system is not in need of reform and state that

As some people were skeptical about the basis for the ranking, several studies were conducted, this time including “amenable mortality” in the criteria. France was first in the ranking. One good thing about France’s health care system is that everyone has health care. The country is also reported to rely on private and government insurance. Unlike the United States, France lets its citizens to have freedom in choosing hospitals, doctors, and care. Additionally, the health care system does not put much constrain on doctors with regards to making medical decisions. The same situation is evident on German health care system, where everyone has fully portable health insurance which comes with package of benefits. Like France, Germany lets its patients have freedom in choosing doctor and hospital during illness. A survey showed that patients and physicians in Germany are both satisfied with their health care system (Reinhardt, 1994, p.22).

As humans, the right to medical care is something that should be seen as a privilege. No one should have to worry about if they are able to receive the healthcare that they require. Everyone has the right to receive the care that they should need. The only way to provide equal care for everyone in America is if healthcare were to be free. Though many countries around the world are able to provide free healthcare, this is something that is unfortunately not possible for all countries. There would be many issues that would arise if free healthcare were provided here in America. Due to the fact that quality care would be difficult to find, taxes would be increased, and much more, health care should not be free.

The U.S. is an industrialized nation that continues to be behind on providing health care coverage to all citizens. However, the German health care system came up with a plan that ensured all citizens are provided with some form of health care coverage; nevertheless, the U.S. continues to dispute health care reform and how to provide coverage to all citizens. “Health spending per capita in the United States is much higher than in other countries – at least $2,535 dollars, or 51%, higher than Norway, the next largest per capita spender. Furthermore, the United States spends nearly double the average $3,923 for the 15 countries ("Health Care Cost," 2011, table 1)”.

Germany has a market based health system. They have universal health care that covers medical, dental, mental health and even homeopathy. Insurance companies cannot make a profit from insured customers. Therefore, the price for insurance is negotiated between the government and the Insurance provider. Like any other healthcare system there are

The imminent advantages of the system have seen an increase in the number of patients covered under the socialized medicine system. The resultant increase in number of patients under the scheme is advantageous in that it provides options in terms of bulk buying of medication and medical equipment. The United States is the highest spender on health annually among developed nations worldwide. Therefore, the purchase of medical supplies in bulk for as many groups of items as possible lowers the cost considerably, as compared to repeated singular purchases. Socialized medicine provides the right to basic emergency care to individuals from all spaces and places regardless of their ability to pay for services rendered. Basic life-saving procedures and obstetric emergency care are examples of such services. Such laws do not bind single payer patient schemes in the private sector. Therefore, patients benefit from this provision greatly, especially if this is the last resort due to financial limitations. Another advantage of the provisions of socialized medicine is that it safeguards medical insurance in the event of termination of employment. A significant proportion of American citizenry are under medical insurance provided by their employers, as mandated by law for large organizations. This means that when their contract expires or they achieve retirement age, their medical insurance cover also ends. The elderly and retrenched are also in need of medical care and in certain cases, they need healthcare even more than the working class. Socialized medicine rights, under schemes like Medicare, ensure that the aged and disabled are eligible to receive medical care as needed. Insurance in socialized medicine is structured individually to allow policyholders to maintain their allotted insurance cover despite moving from one

If Germans become unemployed for any reason, their health insurance does not change at all. In contrast, if a citizen in the U.S. finds themselves unemployed their health insurance is eliminated with the job. They may qualify for unemployment, but rarely does this have any impact on health insurance coverage (Saul, 2014). Children and retired people do have options for health care coverage in the U.S. if not already covered with Medicaid and Medicare. Although if a person is retired, they do not qualify for Medicaid unless they are over the age of 65. This is quite different than Germany, where all citizens are insured no matter if unemployed, retired, young, poor, etc. The United States could definitely learn a thing or two by looking at Germany’s health care system.

Comparing health care systems of the United States and Germany. Assessing the areas of health care for adults’ elderly and retired, coverage for prescriptions, referrals for testing and specialties including pre-existing conditions, and financial effects and of course the children.

Both, Germany and the United States of America count among the most developed countries in the world and therefore both provide a wide-ranging healthcare system for their citizens. Even though they share some similarities, the systems themselves differ considerably between the two states. Firstly, in 2010, the Affordable Care Act was passed by Congress and then signed into law by the President. Thus, health insurance is now mandatory in the US just as it is in Germany.

For many years Germany has had one of the best in healthcare System in Europe. Its reputation is also one of the best among the world. There is an extensive network of Hospitals and doctors covering even the most remote area of Germany. It is very rear to find any type of wetting list for any type of treatment. Medical facilities are equipped with the latest technology and medicine research and development team of scientist. Currently, in Germany there is a great healthcare insurance system that cover approximately 90% of the Population with their statutory insurance system. Here in the U.S, we have what I would consider to be a private healthcare system. Every citizen is able to purchase their own private insurance. Either you can afford

• Old-age pensioners who have been in a statutory health insurance scheme or insured as a family member for most of the latter half of their working life.

The German health care system is one of the best health system in the world. This evolved system distinguished in many perspectives. Those are the aspects of German health system that will be covered in this report: the structure and characteristics of the German health care system, comparison with the Australian health system, evaluation for the organization and administration of the health system, and policy development in Germany.

It should be the duty of the regulator (IRDA) to ensure that the new entrant in the health insurance sector: