Different Healthcare Systems in US

Running head: DIFFERENT HEALTHCARE SYSTEMS IN US
Different healthcare systems in US
Name of the Student
Name of the University
Author Note

DIFFERENT HEALTHCARE SYSTEMS IN US1
Introduction
United States healthcare system does not have a universal coverage system, and cost
of medical care rose to 6.7% annually. However, most of the Americans had no health
insurance; therefore, laws for the protection of people based on health care known as the
“Patient Protection” and Affordable Care Act (ACA). These laws were accepted by some
parts of the American population but opposed by republicans and older ones. There was a
sharp decline observed in the coverage of health insurance in 2019 where Medicaid
populations declined by 0.7%, population with private insurance remained at the same level,
and medicare population rose by 0.4% (Gill, 2020). The purpose of this paper is to compare
among the three current healthcare delivery systems in US, which are Medicaid, Medicare
and private health insurance.
Comparison between different healthcare system in US
Medicare is a healthcare delivery system that provides health insurance to older
people who are 65 years or above along with young ones having physical or mental disability
in America (Cms.gov., 2020). According to the medicare trustees report in 2019, more than
52 million aged people and around 8 million young people were provided with medicare.
Medicare contains four parts where Part A covers hospital insurance, including benefits of
semi-private room, food and diagnosis to the admitted. Medicare will penalize for
readmission after the treatment of some heart disease and replacement surgeries. Part B
covers outpatient services and other laboratory diagnostic tests which is not covered by part
A and is given to patients who have group health insurance. Part C covers the capitated
medical health fee rather than original fee for medicare and the care plan mostly contains
primary care physician for patient according to the traditional health maintenance

DIFFERENT HEALTHCARE SYSTEMS IN US2
organisations. Part D covers prescription drugs that is given to patients who are eligible for
part A and part B covering all self-administered drugs, but the coverage is not standardised
(Medicare Interactive, 2020). However, a disadvantage of this healthcare system is that
medicare advantage plans do not allow patients for choosing their preferences .of hospitals
and specialist.
Medicaid is a type of healthcare delivery system provided by the federal and state
government focuses on eligible people including adults with low economic condition, older
adults, children, pregnant women and people with physical and mental disabilities
(Medicaid.gov, 2020). Medicaid covers all the facilities, including hospitalization, diagnostic
services, nursing and midwife services, and clinic treatment. Medicaid funding is for long-
term care for those who are unable to pay for their healthcare, therefore, providing free health
insurance to 23% of the American population. Medicaid covers 64.5 millions of people of
America and is enjoyed by 65% of the patients that are hospitalized which improves their
financial security. The cost of Medicaid by the expenditures of government is high with less
clear benefits and the providers take these benefits out casting the patients (Medicare
Interactive, 2020). According to ACA, in 2014 people without dependence of children and
with earning under 133% of poverty line will be allowed to participate in the Medicaid plan
(Centers for Medicare & Medicaid Services (CMS), HHS. 2013). The enrolment in medicaid
plan has increased as seen in 2016 with population above 72 million and the specialist of
community-based enrollment facilitates this. However, there is a huge proportion of
population, including adults that have not enrolled for Medicaid (Lanese, Fischbein & Furda,
2018).
Another form of healthcare delivery system is the private health insurance which can
be either applied by the individual or group health insurance plans. It possesses many
advantages such as exemption from government income tax, enrolment ease, and vast range