美国医疗保障制度-medical-care-system课件.ppt

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1、ThemedicalcaresysteminAmerica--ByMacy/JoyceCarissa/willaInrecentyears,medicalcarespendingintheUnitedStateshasgrowntofifteenpercentoftheeconomy.Thecareisoftendescribedasthebestintheworld,butthecostisabigproblem.Medicalsciencetodaysavesmanymorelives.Bu

2、tthiscanalsomeanmajordebt.Governmentprogramsprovidehealthinsurancetothepoorandelderly.Othersdependonprivateinsurance.Companiesguaranteetopaypartorallofthecostsofcare.Butthemorethepolicycovers,thehighertheprice.AroundsixtypercentofworkingAmericanshave

3、healthinsurancethroughtheirjobs.Theiremployersusuallypayatleastpartofthecost.But,asthosecostsincrease,employersfeelthepressure.Someemployersnolongerofferhealthcoverage.OthershaveincreasedthesharepaidbytheiremployeesGettinginsurancecanbedifficultforth

4、osewhoworkonlyparttime,Thesameistrueforpeoplewhoarealreadysick.SomeAmericanshavenohealthinsurance.Someuninsuredpeoplegetcareatuniversityteachinghospitals.AnumberofreligiousandhumanitarianagenciesliketheSalvationArmyofferfreeorlow-costcare.Buthospital

5、emergencyroomsarewheremanypoorpeoplegoevenforminorproblems.Thisaddstohospitalcosts.Public&PrivateInsurancePrivateinsuranceisanyhealthinsurancepolicypurchasedbyanemployerorbyanindividualfromaprivateinsurancecompany.Publicinsuranceisaninsuranceplanorpo

6、licythatissubsidizedbyfederalorstatefunds(Medicaid,Medicare).Thelargestnumberofpoorgetmedicalhelpthroughpublicprogramsatseverallevelsofgovernment.MedicaidThefederalgovernmentandthestatesjointlyofferaninsuranceprogramcalledMedicaid.Statesalsoadministe

7、raprogramtoaidchildrenwhosefamiliesearntoomuchtoreceiveMedicaid.Medicareisthegovernmentinsuranceprogramforpeopleagesixty-fiveandolder.Italsohelpspayforsomeyoungerpeoplewhoaredisabled.Medicareonemustalwaysexhaustprivateinsurancepaymentoptionsbeforeapp

8、lyingforMedicareorMedicaidpayment,andMedicaidwillrequiresomeoneduallyeligibleforMedicareandMedicaidtomakeapplicationtoMedicarefirst.Obama'sPlantoEndPrivateHealthInsuranceObamaCarewouldcreateanewNationalHealthInsuranceExchange(NHIE),whichwouldfunction