Health Care Policy: Medical Insurance

Health Care Policy: Medical Insurance

Introduction

Winter is a cold time, and thus antibiotic regulation time. And since germs spread globally, is desirable but adverse effects of inappropriate treatments spread rapidly over the continents and regions with high mobility potential. Hence, what happens in the U.S. in the prescription of antibiotics and what special problems occur during the time? Therefore, there is also a relevant notion for the future development in United States as per the requirements.

However, there are several problems with the health care policy across the globe. Moreover, a serious attention was paid to the prescriptions of antibiotics and visiting events or diagnoses that were based on them. Thus, the paper covers the health care policy in US that are related to the insurance (Richman, 2006).

Discussion

Structure is basically there for each and every citizen to provide for their own health insurance both official and unofficial. The health insurance through the employer is not required, but a voluntary contribution of each employee. However, it is official that only U.S. citizens over age 65 are insured through the state. However, there is also a notion and it is official that the men who does have extremely low or no income, gets help by the state only in medical emergencies, as they are provided the costs of treatment. However, premiums for private health insurance are very high. Large companies can negotiate lower rates with group discounts. Small businesses can not usually afford. Therefore, many workers in the U.S. are underinsured or not either. On the contrary, there is an alternative to private insurance companies, which work in the same way and are called Health Maintenance Organizations (HMOs). They got formed with selected doctors and hospitals a closed system. Members pay a fixed fee and are treated for it in the cooperating institutions (Richman, 2006). However, members to these organizations are unofficial.

Most private health insurance in the United States allows only a limited choice of doctors. The background is that in health care in principle no perfect market exists. Policyholders have no incentive to thrift, because they are exempt from the cost of health care through health insurance (moral hazard). Similarly, the health care providers (doctors, hospitals, pharmaceutical industry, etc.) have no incentive to thrift. In addition, patients are usually not enough medical knowledge to assess yourself, what services are needed or what the quality of the services offered are (Patrick , 2009).

However, the managed care models are therefore seeking supply, demand and funding to link together so that it does not lead to automatic cost explosion. This will be achieved mainly through three strategies: The first strategy implies that contracts are concluded with possible providers of health services which are of sufficient quality at the cheapest (selective contracting). Incentives for the economy (innovation incentives) make up the second strategy: How often do patients need treatment for co-payments, so they take it lightly to complete. Physicians and nurse practitioners often get bonuses when they refer patients to specialist ...