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How The U.S Health System Works?

. Chapters 0:00 Introduction 0:04 Background 1:22 Us health insurance system 2:07 patient Protection and affordable care act Background • Medical care was hard to get in the early years because only a few British-trained physicians came to North America. • However, New Orleans, Philadelphia, and New York had founded the first major hospitals along with the first medical schools by the mid-eighteen century. • But The Royal Hospital in New Orleans which was the first hospital was too expensive for many residents. • That led to the building of a second hospital, The Charity Hospital, that would aid the people on a charitable basis. • Throughout U.S. history and still today, many hospitals have run by religious organizations throughout the U.S tending to the illnesses of the poor. • Many hospitals were built during the U.S. Civil War. • The federal government and individual states began to build hospitals in each state to tend to sick and wounded soldiers. • Public Health provision such as clean water, sanitation services, and tuberculosis control was also initiated during this time by the government. • In 1965, the Medicare and Medicaid systems, which ensure senior citizens and people whose earnings fall under the poverty line, were enacted by President Lyndon Johnson. • This created a large federal healthcare system that covers millions of Americans. U.S Health Insurance System • Patients pay monthly health insurance fees to ensure that they will be covered in case of medical care. • Insurance providers cover thousands of patients. • The Medicare or Medicaid insurance works the same way but on a bigger scale. • Insurance providers generally have a network of doctors that they have agreements with since they need to be able to negotiate. • Patients are covered for visits to doctors within that network. • Insurance providers will usually cover services considered necessary by doctors, but often will not cover services that are considered “elective.” • Insurance companies aim to keep their costs down while still covering necessary health care. Patient Protection and Affordable Care Act: • The Obama administration attempted to address some of the issues with the Patient Protection and Affordable Care Act. • Some major provisions of the law: • Insurers are not allowed to refuse coverage because of pre-existing conditions. • Minimum standards for health insurance policies were established. • Medicaid eligibility expanded. • Medicare underwent reforms aimed at greater efficiency. • Individuals without employer-provided insurance are required to purchase health insurance. • Health Exchanges were set up to offer consumers a good way to find suitable health insurance and to provide subsidies for those who need it.