Heathcare Differences Between the USA and Germany
Sunday, 07.01.2007, 11:41am (GMT)
In any country, all the citizens worry about their general health. Some
countries have the means to take care of their population, while others
don't. There's even the case where a country has the means to take care
of everyone, but chooses not to.
The United States of America, a developed nation, could choose to
provide universal health care, but due to politics, doesn't offer it.
The United States has several kinds of privately and publicly funded
health insurance plans that provide healthcare services. Examples of
health care providers are employment-based, and government-based.
In a 2003 US Census Bureau report, 26.6% of US citizens were covered by
government-based health care, 60.4% were covered by employment-based
and 15.6% had no insurance what so ever.
In Germany, the health service is highly decentralized. Each of the 16
state in Germany takes responsibility to maintain the maintenance and
building of hospitals. The state regulated health insurance providers
hold some control over running costs. Germany has a universal
multi-payer system with two main types of health insurance: "Compulsory
health insurance" (Gesetzlich) and "Private" (Privat).
The United States healthcare is funded by 3 different ways. As a
benefit for employees and with continued benefits available to
retirees. Another is funded by government programs such as Medicaid and
Medicare, for the eligible low-income persons, those over the age of
65, and people with disabilities. The last coming from the private
purchase of health insurance, which is usually purchased from more
self-employed citizens.
Germany's health care is funded through employer and employee payroll
taxes. Before people reach the retirement age of 65, people must, by
law, pay into health insurance plans. Only certain people can get
private health insurance. In Germany, the majority of people gets their
insurance from state regulated plans and has over 400 options to choose
from.
As mentioned with private insurance in Germany, only 3 types of people
can quality for private insurance. Self employed people are excluded
from the state-regulated plans and so must take private insurance.
People that make over roughly US$3,800 a month can choose to get
privately funded insurance instead of state regulated. Public employees
like Firemen and Police get reimbursed for part of their health costs
by the state but have to be privately insured to cover the rest.
The United States average death age is 78 and is places at 29th in the
world. Germany's average death age is 78.95 and is placed 23rd
according to 2007 estimates by The World Fact book. Andorra being
number 1 with and average death age of 83.52
Being that the United States and Germany have amazing economies, they
can still do better when it comes to health care for their citizens.
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