Health insurance in the United States

In the United States, many health care programs are run by the government. But, many private companies, called insurance companies, help people pay for health care through insurance policies.
General

Affordable Care Act
Affordable Care Act, called "ObamaCare" requires most US citizens and residents legally health insurance.

Access to medical assistance
Medicaid is a non-managed public health insurance program. The program provides health care to individuals, low-income families or people with special needs. Eligibility criteria vary by country. Age is not a factor. Medical assistance funded by federal and state governments.

medical care
Medical care is the main health insurance program of the federal government. Medical care is available to all elderly adults over 65 and older persons and some disabled citizens of all ages. It covers some of the costs of some health care services and the recipient pays the rest. Vision, hearing, dental care, and some other types of medical care that are not covered by medical care. For this reason, it may be necessary to purchase special supplementary coverage. Medicare Plan 'Part D' has been optional to help with medication costs.

Learn more about Medicare.

chip
Children's health insurance program, known as chip, pays for health care for families with young children. While Medicaid is a great resource for needy families, some families make a lot of money to qualify for medical coverage, but are still poor and can not afford private insurance.

Search your state-of-the-chip program.

WIC
Women, infants, and children is a state-run health care program that specifically targets children under five years of age, pregnant women, and nursing mothers. The program focuses on nutrition, food supply and improved access to health care and social welfare services. Income levels and other factors determine eligibility.

More information and your WIC search for the state.
private sector

Many Americans have private health care insurance and do not rely on public programs. Private health insurance is usually provided by the employer to the person. In most cases, the majority of the monthly installment pays the employer and the employee pays the remaining amount. The monthly installment is the total cost of purchasing health care insurance each month. Employees can usually choose to place one spouse or any children with the same health care insurance plan. If you leave your job, you may be eligible to extend your health insurance coverage through the federal government "Consolidated Whole Budget Reconciliation Act", known as Cobra. Continuing coverage under a temporary Cobra only, you may have to pay a full monthly premium. Health insurance can be purchased on the open market if the employer does not provide or if someone is working on their own. College students are often able to purchase health care insurance through their schools, but to qualify they must be enrolled in a certain number of credits. It is generally more expensive to purchase private health insurance because the cost is not shared with the employer. 

This is a simple attempt to shed some light on this important subject ... First, we must know that medical examination, consultation and treatment of all kinds is for a price and there is nothing for free. ,, but we want to know who pays for who and how ?? !!Anyone who looks at the health system in America will find it complicated and difficult to understand but with a little patience and many questions we will understand everything .... America is a capitalist country and everything in the capitalist country, health care and medicine is a trade and a disadvantage in that .. This is what happens as follows: Most health and therapeutic establishments are companies that have taken medicine and treatment to trade profits and their departments are independent of the state and make decisions Which suits and guarantees their rights and the protection of the law and under strict control .. beautiful but what about the poor refugee who begins his life in exile and has the ability to pay the high treatment expenses ?? .. Here we must divide the refugees into two parts:1 - pregnant women and children from the time of birth until the age of 18 years who have not been studied and up to 21 years of continuing to study ... This category is not at all concerned the government (federal or federal) is paying the costs of consultation and examination, diagnosis and treatment .. Medical reminders and accounting in case of abandonment ....2 - adults, women and men .. They are the most concerned about this aspect .. And their health is done in two ways:
  Government coverage: It is not comprehensive (especially teeth and eyes) and according to the state and its laws and is granted to people with limited income under regulations and laws also vary from state to state .. I think it is enough for refugees at the beginning of their lives where personally conducted a hernia above the navel and usually cost more than 2500 Without paying one cent so I advise those who need dental treatment or eyes to be performed where it is now or otherwise, treatment and medicine here is a fictional thing in every sense of the word .... By the way, when the initial tests were done here, including blood analysis I have a problem not to keep My body was iron and they decided to do the Nador operation for colon for fear of my colon cancer (all this for free). But when my medical assistant explained to me how to cancel the appointment, they called me and told them that I was part time at the moment and then sent me an email. By reviewing and re-checking again if you want to do the process !!!B. By job: - When you get a job and after a short period of time, the employee or worker becomes eligible for what they call here (Combni Benvets) as employers agree with the health insurance companies to cover the health care of their employees and as determined by the employment contract with the employee and in the case of If there is no coverage, the employee can avoid this through Masouf, listed below .....Health insurance companies: The way they work is somewhat like insurance for cars or houses ... related to one of these companies and set a date to meet with the representative and will inform you of their offers and prices and methods of payment, etc. ... And of course everyone has the freedom to choose whether an insurance company or Cover size ..You may come to one of the following question: I work with a company that provides dental treatment and eyes only, what about the rest ?? The answer is as followsIf your income is low and covered by medical care, you will get a cover of government coverage ...If your income is above the level of health care coverage, even if it is one dollar, you will buy your own insurance according to what is mentioned in c above and, of course, it is different from one state to another but the general guidelines are one and the same ...

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How more than 45 million Americans without health insurance remains?

Tchehdt recent years, an American national crisis in health care, and now Americans are paying more than ever before and a greater proportion of their income on medical care and drug treatment.According to 2004 estimates, spending on health care reached $ 1.8 trillion in the United States, and this is equivalent to 15% of GDP, this amount is equivalent to four times as much US government on defense and security sector.It is expected to double the rate of expenditure on health care in the next ten years to reach $ 3.6 trillion, accounting for 18.7% of the GDP of the United States of America.In addition to that the number of Americans who are not covered by health insurance and are forced to endure cover medical expenses, if necessary, have increased by one million a year "since 2001.This brings the number of US citizens who are not covered by health insurance cover about 45 million Americans.According "to the statistics of the US Census Bureau U.S Census Bureau, this figure represents an increase of 6% which is equivalent to 1.4 million people since 2003 alone.
Health care structure in the United StatesWe can classify the current system of health care in the United States into three sections:• The first section falls under it people who enjoy the advantages of excellent health insurance through corporate and private entities they work for, which also includes "people excel physically" to pay monthly health insurance premiums due to the good economic situation, belongs to this section about 100 million Americans.• The second section it includes about 150 million Americans who have inadequate health insurance system through the contribution of the government or through negotiation with the work to share cost of health care in different proportions owners, so as to get on the cover insurance Average involved in paying the installments for both the employer and the employee.• third and final section to understand about 45 million Americans uninsured healthy "They can not afford any expenses of any kind with respect to health insurance, but hardly provide money for emergency treatment only. But the kind who do not have health care have the right to obtain the necessary care in an emergency, even if they have not any money available.

If we look at the 2003 statistics, we find that 9 million children (which is equivalent to 11.4% of the number of children in the United States) uninsured healthy, "while 90% of these children have a father or mother worker working at least.It is wrong that half of people uninsured, "the unemployed, with some 80% of this category have an individual factor, at least in every family.The US government has prepared two programs to provide health care to US citizens are Medicare, Medicare and Medicaid Medicaid is the health program administered by each US state separately and is dedicated to providing health care benefits the American low-income families, which is classified as a decrease by 133% below the poverty line or families with less annual income of 18 thousand dollars and it is made up of four members of a family.In rounding There are 53 million Americans are benefiting from the advantages of their Medicaid program of 25 million American children and most of them minorities Kalomrakyin Africans and Latinos and so to varying degrees.Lack of money = lack of good health careHowever, the Journal of the American Medical Association Journal of the American Medical Association believes that the Medicaid Medicaid program is not enough to improve the level of public health, where it seems clear "that children who are subject to this program have low immunity levels and frequent the very few medical clinics times" compared to children insured system commercial health insurance or private. On the other hand, the Almidkir custom Medicare just to provide health care of Americans for the elderly over the age of 65 or who suffer from a mental block chronic or chronic renal failure. Moreover The program provides prescription drugs.The US government has realized that the number of Americans who are not covered by health insurance cover may cause an imbalance "in the health system so it passed a law" in 1986 requiring all hospitals and health units that fall under the umbrella of the federal health care programs that receive emergency for any patient, regardless of physical ability .While this law ensures that anyone access to medical care in emergency situations without the need to show the ability to carry therapeutic expenses, it at the same time pushing hospitals to increase their prices for even able to compensate more to lose from the emergency treatment of unpaid costs and thus makes it more difficult for persons who are unable physically. "


The reasons for the absence of health insurance for 45 million people.In fact, the real problem for the American system of health care is at the present time is that 20.2% of the workforce in American forces could not afford any form of material expenses in respect of health insurance or a regular health care. Health care and insurance soaring costs have reached in recent years, the monthly health insurance premiums rose by 11.2 percent, in 2004 and this is the fourth consecutive year of increase "in the double-digit decimal places prices year.In contrast, business owners decided to cut health insurance for workers items to become less totalitarian and in many cases have been raising insurance cover for many of the workers, if not all of them.It is with the utmost simplicity is the lack of the ability of US companies to compete with foreign companies in which foreign governments and the costs of health insurance for workers support those companies.The Americans are now faced with one of two options, the first pay exorbitant fees to get private health insurance and the second not get any health insurance at all, and the American family pays about 9.068 thousand dollars a year "(the equivalent of $ 829 a month") to obtain health insurance advantages while up The cost per person is about $ 3.695 per annum. "On average, an individual factor contributing to a $ 2.261 in the health insurance cover for the whole family and that's when benefit advantages of the employer and this amount represents an increase of 10% from the previous year, while insurance cover for health per capita cost him US $ 558, is expected to increase family health insurance costs up for more than $ 14,500 by the year 2006.According "to the statistics Kaiser Family Kaiser Foundation Family Foundation (which is one of the large private institutions that provide health insurance) and the Secretariat of Public Health and Education Research Health Research and Educational Trust, the health insurance premiums paid by employees in the United States have risen fivefold what earns these employees of salaries since 2000 (the rate of increase in health insurance premiums of 11.2% and the rate of increase in staff of 2.3% assessment), and since 2001 has become a share of what is spent per capita on health insurance exceed 63% and for the family health insurance has cost ratio has reached 58% .Recent polls suggest the existence of a state of great satisfaction to the American people regarding the current status of health care.At the time and place where the American policy focused on the threat of terrorism poll Foundation Kaiser family Kaiser showed Family Foundation, which was conducted in the period from 2-5 June, that 45% of American adults may look deep concern regarding the payment of health care costs or insurance as opposed to only 18% look of deep concern to be one of the victims of terrorist attacks.Considering that the total spending on health care on the rise, it is no wonder that the same poll showed that there are 34% of Americans worried about being unable to afford health care expenses.In another study by the same organization it shows that there are 23% of the uninsured have changed their lives radically to be able to pay for medical bills.

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The largest and most important insurance companies in the world

Why insurance?..  Man, both in his career and the daily special always needs a security roof provides a part of the requirements of life, which are increasing with age or even shield them from hazards or accidents that may be encountered and this resort many to insurance through the mediation of specialized insurance companies for insurance dangers that might be exposed to the individual and his property. So are the other investment companies and commercial and industrial enterprises need insurance on the means of production available to it in order to reduce the impact of hazards that may cause them. Insurance and varies depending on the situation for the insured individual or company it was

Media and formats insurance

Insurance formats such as insurance may be different on life and the spread of this type of insurance in the United States and is the subject of controversy in many communities. It requires under the life insurance contract requires the insurance company to pay money to the heirs of the person in the event of his death. The property insurance is the most famous forms of insurance and have secured the company or agency on individual property or collective (public) of the dangers and disasters such as earthquakes, accidents and thefts. As there are many other forms of insurance, but, no matter what type or form of insurance or store that media keep insurance companies, one of the successful investment tools

The largest and the largest insurance companies in the world

As already mentioned that the insurance companies are successful investment tools to the fact that one insurance sector of the most active economic sectors in the world today, and it may take the standards and multiple standards in the classification and arrangement of the largest insurance companies in terms of capital or public reputation or even the number of branches

Come to the fore now Chyna Live Onciorns Company (China Life Insurance) Asian company the young, where was founded in 2003, but the company's estimated market value in excess of 118 billion dollars, the largest life insurance in the People and the only Republic of China company in China with a license to operate a national

It comes immediately after a leading American company AIG. (AIG) giant in the insurance industry is working on an international level in 130 countries around the world, headquartered in New York City and in 1919 founded in Shanghai, then it moved from the Asian market to the US and Europe to prevail then worldwide company and accounts for a very large part of the stock within American stock Exchange on Wall Street and the stock market as well as the German and others. The AIG US firm to secure one of the largest insurance companies in the world because of the insurance for contracts with major factories and trading companies in the world also owns exclusive insurance contracts with a number of clubs and sports teams in the world but she knew a significant decline due to the global financial crisis with the end of the year 2007. but this did not prevent the company from continuing and the company already has begun to achieve a net profit higher than the $ 6 billion per year from 2010 onwards

Then in the standings come Munich Re German (Munich Re) insurance and re-insurance, and is widely recognized as the Dean of the insurance companies in the world that dates from its founding to 1880 and represent a group of insurance experts in Europe, based in the German city of Munich, owns shares in the German stock market and is one of the most important economic pillars in the European market and the company relies in its work on the re-insurance plan, which attracted the attention and aroused the attention of many traders and investors. Like other leading insurers are expanding the scope of activity of German company Munich Re worldwide. Categories and arrangements vary in terms of the largest insurance companies from source to another

Action insurers mechanism

Many people around the abundant profits made by insurance companies around the world might be surprised but everything in it is that the insurance companies engaged in a race against the clock and under the weight of the global financial and economic crisis in order to achieve very accessible to the largest possible number of customers has been the mechanism of action is different from another company to agree, but mostly in terms of taking the social environment with features and circumstances associated with the customer in addition to the means of publicity and marketing innovative and updated, which plays an important role for these companies

    

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