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Healthcare System of US

The United States healthcare system is a mixed system, where publicly financed government Medicare and Medicaid health coverage coexists with privately financed (private health insurance plans) market coverage.

Medicare

Medicare is a government-funded health insurance program for people aged 65 and older, people with certain disabilities, and people with end-stage renal disease. Medicare covers a wide range of medical expenses, including doctor visits, hospital stays, prescription drugs, and home health care.

Medicaid

Medicaid is a government-funded health insurance program for low-income individuals and families. Medicaid covers a wide range of medical expenses, including doctor visits, hospital stays, prescription drugs, and long-term care.

Private health insurance

Private health insurance is purchased by individuals or employers to cover medical expenses. Private health insurance plans vary in terms of what they cover and how much they cost.

Out-of-pocket Payments

Out-of-pocket payments are payments that patients make for medical expenses that are not covered by insurance. Out-of-pocket payments can include copays, deductibles, and coinsurance..

Doesn’t provide universal coverage

The US healthcare system is the most expensive in the world, but it does not have universal coverage. As of 2020, about 9% of Americans were uninsured. The US healthcare system also has some of the highest rates of preventable death and chronic disease in the developed world.

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