The Importance Of Private Health Insurance In Canada

Managed care dominates health care in the United States. It is any health care delivery system that combines the functions of health insurance and the actual delivery of care, where costs and utilization of services are controlled by methods such as gatekeeping, case management, and utilization review. Different types of managed care plans came into development by three major factors. These factors include choice of providers, different ways of arranging the delivery of services, and payment and risk sharing. Types of managed care organizations include Health Maintenance Organizations (HMOs) which consist of five common models that differ according to how the HMO is related to the participating physicians, Preferred Provider Organizations

In America confidence in the health care system diminishes with aging. Americans believe that as they grow older, health care will be unaffordable to them. Seniors especially believe that once they depend on fixed budgets, that the American government will selectively rid them of attaining affordable health care. Just being able to afford their prescription drugs will be a situation where seniors will have to choose between food or medicine because of their decrease in household incomes. The one feature that is most effective in providing comprehensive health care in Canada is the participation of the government where citizens are completely covered for their health insurance. The best feature of health insurance in America is group health insurance. Group coverage normally offers the best benefits at a lower rate. The least effective feature of American health care is the cost of medical prescriptions and extended times of waiting to see the physicians. The least effective feature of Canada's medical health care system is also the lengthy time of waiting to see the physicians. Since most private health insurance companies in the US tell you which doctors to visit, specify which hospitals you may enter, this could be a deterrent to your treatment. In Canada this is not the case, if you are ill you may go to any hospital regardless of financial means or insurance coverage and get treated. Canadians and Americans found that increasing health care

This paper will discuss the Canadian healthcare system compared to the United States healthcare system. Although they’re close in proximity, these two nations have very different health care systems. Each healthcare system has its own difficulties, and is currently trying to find ways to improve. Canada currently uses the Universal Health Care system; which provides healthcare coverage to all Canadian citizens (Canadian Health Care, 2007). The services are executed on both a territorial and provincial basis, by staying within the guidelines that have been enforced by the federal government (Canadian Health Care, 2007).

Under Canada’s healthcare system, citizens are provided with primary care and medical treatments, as well as easy access to hospitals, clinics, and any other additional medical services. Regardless of annual income, this system allows all Canadian citizens access to medical services without immediate pay. Canada is fortunate to have a free healthcare plan since this necessity comes at a substantial expense for people living in the United States of America. For instance, the Commonwealth Fund's Health Insurance Survey mentions that “80 million people, around 43% of America's working-age adults, did not go to the doctor or access other medical services because of the cost” (Luhby). Evidently, Canada’s healthcare system is notorious in supporting the demands of the population, and creating a healthy and happy society at a manageable cost.

Canada provides a national universal care that covers everyone in the country. Medicare founding are received through public spending. It’s a single payer system single payer system. Many feels that it is inaccurate to characterize the

Health care is an essential service needed by citizens. As a result, the government plays an important role by designing an appropriate health care system for its citizens. In this paper, a comparison between the health care system in the U.S. and Canada has been made. Using various literary sources, the comparison has been done considering the four components of health care services delivery; financing, insurance, delivery, and payment. The findings indicate that the health care system in the U.S. is expensive but more efficient than the single-payer health care system in Canada.

     In the past, Canada’s government-funded, universally accessible, health care system has been praised and admired both at home and abroad as one of the finest in the world. A great source of pride and comfort for many Canadians is that it is based on five fundamental principles. Principles that are a reflection of the values held by Canadian citizens since the formation of Medicare in 1966. These principles were reinforced in the Canada Health Act, (CHA), of 1984 and state that the Canadian system is universal, accessible, portable, comprehensive and non-profit.

Under this system individual citizens are provided preventative care and medical treatments from primary care physicians as well as access to hospitals, dental surgery and additional medical services. With few exceptions, all citizens qualify for health coverage regardless of medical history, personal income, or standard of living. (Canadian Health Care, 2004-2007) These insurance plans are provincial or territorial and are financed by both the federal and the provincial authorities. Provinces are similar to states in the US, and Canada has 10 provinces, which are Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec and Saskatchewan. From about 1940 to 1950 the American government stepped in and encouraged employers to offer health insurance as a part of employee compensation packages which in turn the supply of health insurance increased as more and more commercial insurance companies entered the market and the use of healthcare increased as medical technology became more sophisticated.

Managed care has been adopted into the government funded care organizations. Medicare managed care plans provide all coverage themselves, including basic Medicare coverage. Managed care plans cover above and beyond the basic benefits of Medicare, the size of premiums and copayments, and the decisions about paying for treatment are controlled by the managed care plan. The basic premise of managed care is that the member/patient agrees to receive care from only a specific doctors and hospitals, in exchange for reduced healthcare costs. Medicare, like other insurance companies offer plans that give Medicare beneficiaries more choices in coverage, like HMO or PPO. Managed care has been used since the mid 1990’s in order to provide healthcare to beneficiaries with serious or life long illnesses. Today, managed care has become a way for states to provide quality care to both Medicaid and Medicare patients.

The Canadian health-care model is a system that is primarily funded by the government, with service principally delivered in non-profit hospitals, by doctors who are in private practice (para). Public health-care insurance as it is known today ..... dates back to the late 1950s (quote). Over the decades since, Canada 's model has evolved into a system that ranks highly based on the quality of care that is provided (para Washington post). In a recent survey, a strong majority of Canadians were satisfied with the Canadian model. (para gallop). While most Canadians are satisfied with the current system, the publicly funded model is not without fault.

Canada has a system that consists of socialized health insurance plans that provide coverage to all its citizens. Canada health care is largely government-funded, with most services provided by private enterprises with some publicly funds all, which is controlled and administered, within guidelines set by the federal government ("Healthy Canadians: A Federal report on Comparable Health Indicators ", 2009).

An analysis of the US and Canada’s systems reveals advantages and drawbacks within each structure. While it is apparent that both countries could benefit from the adoption of portions of the

Canada’s health care system “can be described as a publicly-funded, privately-provided, universal, comprehensive, affordable, single-payer, provincially administered national health care system” (Bernard, 1992, p.103). Health care in Canada is provincial responsibility, with the Canada Health act being a federal legislation (Bernard, 1992, p. 102). Federal budget cuts, has caused various problems within Medicare such as increased waiting times and lack of new technology. Another problem with Medicare is that The Canada Heath Act does not cover expenditures for prescriptions drugs. All these issue has caused individuals to suggest making Medicare privatized. Although, Canada’s health care system consists of shortcomings, our universal

Medicare is facing a fiscal crisis that threatens its sustainability. The need for significant Medicare reform is increasingly urgent as 76 million baby boomers are expected to retire over the next two decade. According to the 201 Medicare Trustees Report, the Hospital Insurance trust fund will be depleted in 2024. This translates to $27 trillion in unfunded liabilities over the next 75 years. Current projections indicate that health care costs will increase by more that 70 percent over the next ten years and will continue thereafter to consume an increasingly greater portion of personal income.

Canada 's health care system is a group of socialized health insurance plans that provides coverage to all Canadian citizens. It is publicly funded and administered on a provincial or territorial basis, within guidelines set by the federal government. Under the health care system, individual citizens are provided preventative care and medical treatments from primary care physicians as well as access to hospitals, dental surgery and additional medical services. With a few exceptions, all citizens qualify for health coverage regardless of medical history, personal income, or standard of living. In addition to public health care providers such as primary care doctors and hospitals, many private clinics offering specialized services also operate in Canada.