Health Care Reform 2010 Health And Social Care Essay

Health C be Reform 2010 Health And Social Care EssayUS wellnesscare system was ineffectual despite of spending 15% of GDP during 2006 which was more than(prenominal) than three times than in 1960. Ten years back, the health care system of USA was proclaimed to be broken and in future it didnt improve. Managed care did non make visible the fixes promises. The marks of premium are increasing. The irritation of patients as well physicians flourish. The hire shows that about 45 million people in Ameri nominates are still uninsured.In the coming future, these issues result get worse and new challenges go forth seeded player on the screen. New technology is making place and it is making the things efficient, that the cost of treatment as well new test is higher whence before.Doctors are making the lives of people lengthy so now more people require the medical treatment then before. As the age of gratify is increasing so they are demanding the better treatments.Owing to the in creased cost, employers will not accept the status quo. Sp they exclude the benefits for new hiring. Others might leave the railway line of insurance argumentation completely and will contribute alone to cover the costs but will not give coverage by themselves. The act of uninsured people in America will increase because of these changes. Disenfranchised middleclass will rise in results of these changes. Employers will go for and favor this modification.The health care system of Ameri drive out splits the population into two groups first is insiders and second is outsiders. Insiders are those who are insured and they behave good insurance so they get everything modern. No matter hoe expensive the medicine and treatment is. Outsiders are those who have poor insurance plan or nothing at all. They receive very little out of their insurance plans. About 47 million Americans are uninsured and the number is growing day by day. insurance policy companies currently deny covering peopl e with pre-existing conditions. People who have severe medical conditions want AIDS, cancer and other such diseases were not cover by the insurance companies. These people are at high-risk and thats why not covered by companies. Major employers are cutting their costs in healthcare spending to compete in the global challenging market.2Employers are denying paying insurance premiums to these workers due to high premiums and the current economic situations. Employers are faulting the economic burden towards the employees like deductibles and co-pays. Almost half of the bankrupt people are due to the high medical costs and this cost is directly or indirectly affects the economy. Hence, government has to pay more. One more problem in the current system that doctors are not paid according to their service quality. Doctors are paid very less as compared to other countries of globe like in United Kingdom, doctors are paid for 95% while in US only 30%. Lot of people even did not go to doc tor due to high costs of tests, treatment or follow-up after the treatment. These higher costs associated with healthcare also stopped Americans visiting physician regularly for checkup. Also doctors do not know the history of patients due to not visiting them regularly. Americans also have high ratio of chronic diseases. This is also leads to more spending on healthcare and its availability to poor people. United States is the only country among the developed countries whose all citizens do not have access to its citizens except South Africa3.Medicare and Medicaid are two of government programs which provide medical as well as health related serve to the specific group of people in USA. Both of them are different but are managed by the centers of Medicare and Medicaid which is a division of US Department of Health and Human Services.Medicaid is a program which includes means tested health and medical function for specific individuals and families who have low income and limited r esources. It is primarily looked after at federal level, but distributively stat develops its own standards like eligibility standards determines the amount, type, rate of flow and scope of the services setting the rate of payment for services administers its own Medicaid programs.As mentioned above that States is the final decision authority of planning of service which will be provided under their Medicaid program. But at that place are some necessary requirements which must be matched by the States to receive funding from Federal. Following are the mandatory servicesImpatient and Outpatient hospital servicesPrenatal careChildren VaccinesService of PhysicianFacility of Nursing services for individuals aged 21 or olderServices of Family planning with suppliesRural health clinic servicesHome health care for persons eligible for skilled-nursing servicesLaboratory and x-ray servicesPediatric and family nurse practitioner servicesNurse-midwife servicesfederally qualified health-cent er (FQHC) services and ambulatory servicesEarly and periodic screening, diagnostic, and treatment (EPSDT) services for children under age 21Besides the above, the states can add more 34 optional approved services and can receive the Federal matching funding. Although each state has the authority to set the eligibility criteria for getting the Medicaid services but basically the program has been started to help the people with low income. Other requirements may include age, pregnancy, disability, other assets and citizenship.Medicaid does not pay money to the individuals. Medicaid program works like a program provide treatment to the individuals and gives payment to the health care providers. State makes the payment while states receive reimbursement from Federal Government. Medicare is a Federal health program of insurance. It pays for elderly and certain disabled Americans to hospitals and medical care.The program is divided into 4 split Part A, B, C and D. But two main parts for hospitals and medical insurance are Part A B. Part A may be known as Hospitals indemnification, pays for the hospital stays and it includes meals, supplies, semi buck private rooms and testing. It also pays for home health care.Part B which is known as Supplementary Medical Insurance. It pays for physicians visits, home health care costs, outpatient hospitals, and other services for aged and disabled. It covers durable medical equipments, certain vaccinations, blood transfusion, lab and diagnosis tests, X-rays, chemotherapy, hormonal tests and eyeglasses. Part B requires a certain premium which caries each year.Part C is also known as Medical Advantage Plan because it allows the users to design a custom plan that can be more helpful and align to the needs of their medical needs.Part D includes the prescription drug plan. It is administered by one of many private insurance companies. Eligibility for Medicare requires a US citizen or continuous 5 years legal resident of US must be a t least 65 years old or under 65 and disables or any age person with End Stage Renal Disease. Payroll taxes which are collected through Federal Insurance Contributions Act and Self Employment Contributions Act are the major elements of funding for Medicare.US healthcare reforms bill 2010 will cost $940 billion over the period of ten years.4This bill will cover 32 million American people who are uninsured. Health Insurance can be purchased through state-based exchanges and fiscal subsidy will be offered to the income below 133 percent and 400 percent of poverty level in US. Tax relaxations will be offered to the small business to purchase employee insurances. People who are availing subsidies will not be eligible for Medicare, Medicaid and also for employer covered insurance. New tax will be imposed in 2012 at rate of 3.8 percent on income of families making over $250,000 per year. Insurance reforms will be introduced and insurance companies wont deny to the people and children with pre-existing conditions. Medicaid will expand to include 133 percent of the poverty level in United States. In 2014, everyone must purchase a insurance or face the yearbook fine fees. Employers who have more than 50 employees must provide insurance to their employees or face a fine on the basis of per worker. Illegal immigrants can not avail insurance even if they pay their own money. Abortion insurance will be paid by private money and it will not be subsidized by federal or tax payer funds.Republican offered an alternative program on the basis of four common-sense reforms which can be afforded by people of US named as Common-sense healthcare reform. It includes that all businesses and families can buy insurance across US. The second point is that individuals, small businesses and trade in associations can acquire insurances at lower costs by combine efforts. It also allows states to lower costs by creating innovative reforms. The last reform is to give over the lawsuits which m ust be obeyed by doctors because of getting sued by Police. This will end the high cost tests and other procedures which are actually not required by the patients.