Health Insurance Plans for Individuals with Chronic Illness

Running head: HEALTHCARE
Healthcare
Name of the student
Name of the university
Author’s Note

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HEALTHCARE
Introduction
Health care insurance plans are the categories of the insurance that covers the costs of the
insured individual’s surgical and the medical expenses. These are the programs that covers the
whole or the partial tenure of the risk of the person who has been incurring the expenses of the
medical. The essay highlights the case study of a 34 year old single male who has been
diagnosed with HIV positive and has been recently initiated to recover from his alcoholism. Due
to the lack of his abilities and the actions towards his capabilities, he has been in utter depression
regarding his inability for finding employment (Barnett &Vornovitsky, 2016). The thesis
statement of the essay argues with the fact that what health insurance plan will be appropriate
for the man of the case study. The essay highlighted both the Medicaid insurance and private
insurance schemes of the United Sates and argues on the fact that which ne will be good enough
for the person in the case study.
Discussion
The case study illustrates the scenario of the 34 year man suffering from the chronic
illness of HIV positive. He is single and also been unemployed thus it has been getting difficult
for him to manage his own expenses that includes rent, medical expenses and other necessities
for living (Condray& Devine, 2017).
In this section of the report the health insurance scheme of the United States will be analysed
followed by the justification regarding the chosen medical insurance plan both the public one and
the private ones.
The insurance plans

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HEALTHCARE
In this section the United Kingdom health insurance plan that will be discussed are the
following.
The Medicaid health insurance program - this health insurance programme provides free
or very low cost health coverage to the people and the individual belonging from low income
families. This families and the coverage includes the children, the pregnant women, the elderly
and the people or the individual with disabilities (Cohen, Martinez &Zammitti, 2016).The
Medicaid program is jointly funded by the federal government and the states. For the effective
participation of plan, each and every state of the United States are required to offer the Medicaid
program to all the persons regarding the public assistance (Holahan et al., 2017). Beside from
this with the consideration of the broader range of the federal guidelines, the individual states
determine the eligibility towards the enrolment in their own set of programs with the program of
the Medicaid generally offered to the persons whose rate of income falls under the certain level
(Carman, Eibner& Paddock, 2015). Under the federal law, each and every state of the United
Stets provide the facility of the Medicaid that includes the services related to the inpatient
hospital, the services related to the outpatient hospital. Furthermore the services and the coverage
in the Medicaid includes the early and periodic screening, the diagnostic treatment service, the
nursing facility services , the x ray and the laboratory services (Obama, 2016). Besides the
general benefits some of the optional Medicaid benefits includes the prescription drugs, clinical
services, optometry services, personal care, care facility for the mental diseases and intellectual
disabilities.
There are certain private health insurance in the country of United States. This accounts
for more than 30 percent of the health care financing. Majority of the private insurance des not
adhere to the Canada health acct and does not cover the prescription drugs, the home care and the

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HEALTHCARE
long term care (Singleterry et al., 2015). The costs incurred for the private insurance in the
United Stes includes the monthly premium and the amount as deductible or the excess. Some of
the example includes $2000 deductible for the costs of the treatment. The private insurance of
the country furthermore includes the co-payments for different categories and types of payments
(Courtemanche et al., 2017). In the respect to the promise of the quality care treatments and the
high quality care, the private insurance of the states of the country are far more expensive as
compared to the government plan of insurance that is the Medicare and the Medicaid. Most of
the coverage for the insurance are for domestic treatments only and the additional coverage and
the mandatory health tests including the x-ray and the blood tests are not included in the
premium schemes of the private insurance plans.
Justification for the chosen plan
For gaining of a better idea regarding how the Medicaid health insurance can differ from
one state to another, three states in the United States has been reviewed in this section.
The coverage in Nevada
The Medicaid policy of this state provides quality health services to the low income people on
the basis of the federal and the state laws. The Medicaid policy of this state covers the individual
from the families with the income below 200% of the federal poverty level. The requirements for
enrolment into the Medicaid policy in Nevada involves that one must be a permanent resident of
the state, a US citizen, a legal alien, someone needing healthcare or insurance assistance. In case
of the maximum income level, the household size of one must have 16,000 dollars per year while
the household size of eight must have 56,000 dollars per year as maximum income level. The
Medicaid policy of the state includes the home based Habilitation services, the hospital care, the