Question

Explain the main source of funding and delivery of healthcare services for the population? (Where do they usually receive care? Who usually pays for it? (employers, government, individual) As you explore funding and delivery, identify any gaps that exist. (Do they fall between sources of care or funding?)

Answer 1

Explain the main source of funding and delivery of healthcare service

All the Americans deserve to receive quality health care service and necessary protection of the health mentally or physically to curb the diseases which lead to bring disability or premature death. There are three factors that should be focussed in order to manage the equity health programs of the Americans. These are insurance coverage; health services and unceasing health care programs.

Sources of receiving health care services

Health care program under Individual level

The health care services received by the population of America in a various way:

The individuals can make the payment by their own to receive the health care service. It means a direct mode of payment made by the individual.

Those are in employment they can avail the facility of health care service by exercising their health care insurance policy by virtue of such employment. This health care insurance coverage is tax free.

Health care program under Government level

The Government of America provides health care coverage to different segment of people in the country such as Military workers and those who depend upon them; those who come under the old age bracket like old aged countrymen. For the old aged people the federal Government has prepared Medicare scheme.

The other section of people like disabled persons; child with his/her mother come under the facility of Medicaid. A State Children’s Health Insurance Program has been established to take care of the children in the society.

Health care program under Employer level

In this nation the employer provides indemnity insurance to its workers. Sometimes such health care program is given in the name of managed care plan. The workers have their own discretion to accept the facility provided by the employer. The process of providing indemnity insurance is seen as a collective effort of the employers to buy the scheme from health maintenance organization or preferred provider organization or point of service. It is observed that the coverage of employment- base private insurance is 64% in comparison with the other insurance facility providers mainly by the Government that provides Medicare scheme, Medicaid etc.

Gaps found in the funding program

The health care service provided to the people bears many differences due to variation found in the range of services along with the procedures found under the various scheme of services. Moreover, variation also takes place in the payment structure.

So far as the report of World health organization is concerned it is observed that the per capita expenditure made by USA is high but in terms of overall health system performance it’s result is not satisfactory.

It is found that in this country there exist huge scopes for the researchers to highlight the key issues like spending, outcomes and access relating to health care service as there are varied public and private programs seen in this country.

In the country there are at least 46 million people who do not possess medical insurance facility which means they are not insured. However, those who are insured found that the cost of the insurance getting escalated either trough the direct mode of payment or indirectly. Those increasing cost creates doubts among the insured person about the certainty of the scope of health care system as the outcome of such service is not good. Although the previous Government took a decision about fund extension to cover more people under the coverage of insurance but lack of quality service and cost enhancement lead to create suspicion among the people. Some disorders are found in the health care system. These are:

• Lack of preventive care
• Lack of quality treatment and ineffective drug therapy
• No coordination is found between patients and the caring system.
• Lack of coordination among the payment support system with caring system
• Gap found between necessary care and unnecessary care among the patients
• Lack of evidence found in respect of resources which enables to provide better treatment facility to the patients. Since the evidence of better treatment procedures are not adequately found it hampers the system of health care service.