Access to private health insurance is rationed on price and ability to pay. Those unable to afford a health insurance policy are unable to acquire a private plan except by employer-provided and other job-attached coverage, and insurance companies sometimes pre-screen applicants for pre-existing medical conditions.
Does health care rationing exist in the United States? Orient and Uribeboth medical doctors who writes for Washington Postclaimed that waiting periods are already forming and cuts to the Medicare will further exacerbate that. Orient wrote that one patient could no longer obtain two kinds of eye drops, while another patient complained that her doctor were busy with computers and when patients requires more than 15 minutes of care, that patient was told to make another appointment because of the long waiting line for patients and the doctor could not afford to get behind schedule.
The dilemma regarding Medicare was central to the last election campaign for both parties, and will not go away. Medicare is financed by payroll taxes, which in turn is financing the healthcare of those who are now retired.
The current retirees, the so-called baby boom generation, are living longer. The Bureau of Labor Statistics estimates that by the yearthere will be more than million people of over age 65 and that is an increase from the current rate of Logic dictates that as more and more people are retiring, fewer people are working and thus payroll taxes will be depleted as well.
That translates to fewer amount of money available for each Medicare beneficiary, when adjusted for health care inflation. Alternatives to the Medicare dilemma One alternative is to increase taxes. Currently, this notion is being debated in Congress and the results are yet to be determined.
Another alternative is rationing which means less money available per senior citizen that will result in less treatment. The ugly consequence of this alternative is that many lives will probably perish due to inadequate care, and that is not politically correct for the policy makers.
Is rationing a form of cost containment? Experts agree that it is unclear whether cost containment and expenditure control are synonymous with rationing. Rationing, in contrast is less concerned with financial control and more with the allocation and prioritization of healthcare resources. Political ramifications of rationing According to Redwoodin countries such as the United Kingdom, France, Germany where medicine is socialized, there is an underlying need for cost containment and expenditure control.
And there are reports of rationing which are indisputable and undisputed. The British Medical Association admits that rationing of health care in one form or another has always existed but has not been discussed.
In Europe, healthcare rationing is not politically correct to admit in the same manner as socialized medicine does in the USA. According to Mundellin the United States, the majority of the population is dissatisfied with their health care but despite of all of the discontent, a large majority of Americans continue to reject the idea of a government mandated socialized medicine.
Many are fearful that the quality of their health care will be impacted with threats of long waiting lines, a lack of specialized care, and rationing will accompany socialized medicine. The economics of rationing According to Feldstein, a health economist and faculty at the University of California Irvine, there are two methods by which rationing can occur.
Because prices were so low, people wanted to have an access to gasoline even at exorbitant price, but the government rationed it anyway. This method is not explicitly used in the U. S because the major portion of the population is able to pay for their medical services.
Moreover, Feldstein implied that payer reimbursement system does play an important role in rationing. A ten percent raise in insurance premium creates a two percent drop in medical use. When a service or product is in demand because people can afford the cheap price, rationing must take place because that particular resource would become scarce.
It is all about basic supply and demand. Discrimination in rationing Discrimination can take place in healthcare, according to Redwood. Central to the dogma of medicine is to treat those who are in need, regardless of age, sex, lifestyle and place of residence.
Need in health care is a concept that lacks precision. Most systems recognize need under conditions of emergency or when life is under threat.
In chronic diseases, need falls short of being medically compelling. Ageism is a disguised form of rationing expenditure and discriminating in the use of scarce resources.
However, in its current health care form, the aforementioned factors are not yet the trend in the U.European Countries Don’t Ration Healthcare, but We Do The cost of healthcare in the United States dwarfs the cost in other countries, and we don’t get better results.
Here’s what. Feb 02, · Rationing of healthcare services according to an individual’s ability to pay—or, as the case may be, the inability to do so—is becoming more prevalent in the United States, both in the public and private insurance spheres.
Health spending accounted for % of GDP in the United States in , down slightly from (%) and by far the highest share in the OECD, and a full eight percentage points higher than the OECD average of %. Following the United States were the Netherlands (at % of GDP), and France and Germany (both at % of GDP).
Aug 22, · Every health care proposal from the right and the left includes some form of implicit rationing device. Mr. Ryan’s plan, on the Republican side, would keep spending on Medicare under percent of the nation’s output until by giving older adults born after a dollop of money to buy their own insurance, forcing many to choose cheaper plans or fewer procedures.
Roughly 15% of Americans lack health insurance coverage. employers' health benefit programs.
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The United States has come dead last among developed countries since a nonprofit began ranking healthcare systems in Problems begin but don’t end with lack of access to insurance.