Free Ineffectiveness of the U.S. Health Plan Essay Sample
The US health system experienced ineffectiveness over the last decade, and failed to recover from then (Cassel and Guest 56). Promising preventive mechanisms by managed care have not been materialized. The rising premiums and hassles for physicians and patients continue to flourish contributing substantially to the approximated uninsured 45 million Americans. Professional healthcare providers prospect that health crises are likely to aggravate over the next decade despite new technology that will improve increase efficacy, the cost of new tests and overshadow savings. The efficacy is visible through the prolonged lives and increase in the number of persons requiring healthcare (Garson 67). In addition, top-quality healthcare is essential in catering for the aging baby boomers. In light of this, the study explains why the US healthcare plans are ineffective when compared to the healthcare of other less wealthy nations.
According to Raffel & Barsukiewicz (54), American health plan fails to provide universal health coverage as it is in some developed nations. The 2010 health plan guaranteed majority of Americans an enrollment in a basic health plan of their choice and not necessarily a health maintenance organization (Garson 68). Similar to automobiles, healthcare coverage is essential. The 2010 healthcare plan allowed families to use different plans and change the plans yearly. However, the rising premiums of health coverage seem to increase the number of the uninsured as aforementioned (Sage and Kersh 67 ). An approximation of 45 million Americans lacks health insurance cover because of the increased health premiums. The uninsured Americans normally receive income-associated payments, probably vouchers, to enroll in a basic health plan. This implies that Americans, who cannot afford the coverage, are likely to have difficulties in accessing health services.
Another shortcoming in the American health plan is the restriction in choice of healthcare and job opportunities (Shi and Singh 59). The present employer-based insurance systems confines employees’ to a single choice of insurance. Additionally, employees endure the harsh working conditions for fear of losing health coverage. The unemployed face difficulties in accessing health services. Shi & Singh (67) point out that depending on the employers, employer-based health insurance might offer a single plan. Such employees do not realize other benefits, such as extremely low deductibles and health savings account, related to other health plans apart from their employer’s health plan. Some wealthy nations, such as Netherlands allow employees to have a wide range of health insurance (Raffel and Barsukiewicz 90). Employees having a wide range of choices can shop for others upon dissatisfaction with the employer’s choice.
Delays in seeking healthcare and increased use of emergency care show another ineffectiveness of American health plan (Raffel and Barsukiewicz 57). Many uninsured Americans are least likely to have consistent health care and often use preventive services. The uninsured are most likely to delay pursuing health services, leading to more medical problems that are more costly than continuing treatment for such health problems as high blood pressure and diabetes. The JAMA research of 2007 affirmed that uninsured Americans experienced delays in receiving healthcare after an accident or on the inception of new chronic disorder (Cassel and Guest 90). Another research also indicates that the uninsured are twice as probable to visit emergency sections as the insured. This indicates an underutilization of hospitals` emergency rooms. The Commonwealth study showed that 42 per cent of Canadians approximately waited for 2 hours in emergency rooms as 57 per cent of Americans waited approximately for 4 weeks (Shi and Singh 98). The study also indicated that the chances of accessing medical care at night, weekends or on holidays were higher among Canadians than among American neighbors.
Garson (20) assert that high administrative cost contributes considerably to the ineffectiveness of the US health plan. The US healthcare system has many key players as insurance companies (Sage and Kersh 99). This results in a substantial administrative cost that is greater than the nationalized system in Canada. Research by Canadian Institute for Health Information revealed that about 31 per cent of the US health care finance covered administrative costs. This is twice the healthcare administrative cost in Canada (Raffel and Barsukiewicz 101). The US adopted the managed care to reduce the administrative costs. About 90 per cent of Americans shifted to health private insurance having an arrangement for managed care. These private insurance companies can control the patient’s health care by asking for a second opinion before proceeding to expensive treatment to reduce costs.
Raffel & Barsukiewicz (20) affirm that variations in health provider services also depict the ineffectiveness of the health system. Patient treatment might differ considerably contingent on the patient’s choice of a healthcare provider (Garson 79). According to health studies, some health providers underutilize cost-effective treatments and overuse costly treatments. The use of prescription drugs differs by the geographical regions. Misuse of medical benefits occurs, when health care providers exploit insured individuals and predispose to consume health care (Raffel and Barsukiewicz 99). This result in economic burden on insured Americans forcing them seek medical care when necessary.
In conclusion, American health plan is ineffective, when compared to other wealthy nations, such as Netherlands and Canada. American health plan fails to provide universal health coverage as it is in some developed nations. The present employer-based insurance systems confine employees’ to a single choice of insurance. The uninsured are most likely to delay pursuing health services, leading to more medical problems that are more costly than continuing treatment for health problems including forces them to consume medical care when necessary.