The Government had established three categories of major medical insurance coverage: health insurance (Medicare), medical subsidies (Medicaid) and the tax system through the federal income tax on private insurance, the implied subsidies. Government medical subsidies (Medicaid), to a large extent with the financial transfer payment functions. Medical subsidies and medical insurance project is the difference between a project, which is designed for the poor, about health care subsidies to low-income, including the cost of hospital treatment of 80 percent, less than most private insurance through the hospital to raise fees to resolve. The latter is designed for the elderly, there is no direct link between the two. As private insurance companies can not own such a large scale of competence, such a wide scope of medical insurance, government intervention in the elderly health insurance market. Medical insurance implied in the federal tax laws in accordance with government subsidies, individual wages need to pay social insurance payroll taxes and personal income tax. By the employer to pay medical insurance premiums do not have to pay tax. Self-employed by private owners, and medical insurance costs of 25 percent is tax-free.
All the elderly people in the U.S. health care spending, medical insurance (Medicare), including hospital medical insurance (HI) and supplementary medical insurance (SMI), the two together accounting for about 44 percent. Medical subsidies (Medicaid) accounted for about 12 percent, and private individuals own the insurance companies paid a total of about 44 percent.
(C) low-income medical insurance
Government health insurance is divided into low-income children (Child Health Plus) and family (Family health Plus) two. On children, with 0 to 19-year-old but not more than 19 years old, this area to ensure the less, if the parents temporary unemployment, the Government will in any case on behalf of children insured, but if the parents of a sudden increase in revenue, more than the standard To be a little bit on fees; family premium, it refers to 19 to 65-year-old adults, as long as the income does not exceed the provisions of the俩人single or couples with incomes below the lower limit standards, can get the low-income medical insurance .
(D) medical insurance benefits
Health insurance benefits at the Part A and Part B. A part of the mandatory in-patient medical insurance (HI), to cover hospitalization costs, the cost of care institutions at home and part of the medical costs. B for the voluntary part of the "supplementary medical insurance" (SMI), used to cover hospital doctor consultation fees, outpatient fees and some home health care costs.
Second, the United States the characteristics of the medical insurance system
U.S. medical insurance is one of the social insurance benefits. U.S. businesses and individuals to participate in hospitalization insurance, payment of hospital insurance tax. Meet the required hospitalization due to illness can be insured claims the majority of medical expenses. The age of 65-year-old insurance elderly, the disabled and did not enjoy social insurance for the elderly aged over 65 monthly premium can be paid to participate in and enjoy supplementary medical insurance.
U.S. health care system is the main problem is that the market for medical organizations of the non-implementation of the management system, that is, practicing the "non-managed care" (non-managed care), the country lacks a unified and effective management measures, so prominently reflected in The following three aspects: ① third-party payment system easy to cause excessive medical needs, the insured monthly payments to insurance companies after a certain amount of insurance (including the employer to pay part), the sick, are free to choose a physician or hospital, then to Insurance companies accounted for most of the insurance company to pay, such a system is based on payment services (fee for service) system, are after the payment system (post payment system) type of payment of the benefits is to facilitate patients to meet patients Demand freedom of choice, the shortcomings of health insurance is difficult to control; ② lack of control medical costs of power mechanism, doctors and hospitals in order to increase revenue there will be two prominent cases, first-induced expansion of medical needs of patients, resulting in the prescription, over inspections; Another is to unprofitable or difficult patients to non-profit health care, the former insurance companies to increase spending, which increased government expenditure. ③ to health is not fair, poor and the gap between the very rich.
楼上的，我服了！
无（五）体投地
内容全部来源于网络收集，如有侵权，请联系网站删除：QQ：24596024