1 Healthcare 1 RUNNING HEAD: Healthcare, A Comparison: Brazil and the United States A Comparison of Healthcare between Brazil and the United States Carly Paterson University at Buffalo
2 Healthcare 2 There is a common belief among many Americans in the United States that we have the best healthcare system in the world. However, in a recent study the United States fell to somewhere in the Mid-forties among the top fifty healthcare systems in the world, and the time has come to re-evaluate how our healthcare system stacks up against other types of healthcare. In addition to this, it is important to note that the United States is one of the only developed countries that does not have a national healthcare system of some sort. Examples of countries that institute these systems successfully are England, France, Norway and Switzerland. One good example of yet another country choosing to go the route of standardized healthcare would be Brazil, and it is an interesting comparison because Brazil, at this point in time, contains both a standardized healthcare system as well as the option for people to buy private health insurances. In Brazil, the main form of healthcare coverage is the standardized system abbreviated SUS. This was established in the 1988 Constitution as a universal right and a responsibility of the state to ensure that right (E. Barbosa, personal communication, August 2007). There are five basic principles that SUS was founded on. First is universality, the belief that everyone is to be covered regardless of their ability to contribute financially to the healthcare system. The second is equity, an equal distribution of resources based on need. The third is an integral approach, priority for prevention as a critical point in their approach to healthcare. The fourth principle of the SUS system is decentralization, a sharing of management and responsibilities between the federal and municipal levels of government. The fifth and final principle is community participation, which allows people of the community to participate in the decision-making process
3 Healthcare 3 within the SUS system. When it comes to SUS coverage, Elizabeth Barbosa stated that 90% of the population uses some sort of SUS services. 29% uses exclusively SUS services, 62% uses SUS services and private services combined, and 9% of the population uses no SUS services, solely private insurances. This is an interesting situation because for patients that utilize private insurance, there are some instances that arise where high complexity ailments such as cancer treatment are not covered under the private insurance they have and the patient then turns to the public system to manage their health. It seems like one of the drawbacks to the system is that patients who have private insurance can use the public health system to fill in the cracks of their private healthcare company. On the topic of the number of healthcare professionals in the SUS system of Brazil, there are approximately 300,000 medical doctors, 200,000 dentists, 110,000 registered nurses, 487,000 licensed nurse auxiliaries, 196,000 Licensed Practical Nurses, and 195,000 community health workers. The community health workers are an integral part of the Family Health Program in Brazil, which was established in This is a program in which there are teams that are responsible for approximately families. Each team has to have at least a doctor, a nurse, a Licensed Practicing Nurse, and four to six community health agents. These professionals provide primary care services and referrals to other levels of care as needed. They also understand social processes in the territory they provide care within and are proactive in the community. They work together on clinical and public health issues including health promotion and
4 Healthcare 4 prevention. When the community health agents are hired, a set of criteria must be met. They should live and work in the same area so that they can better know the main problems faced in their community. It is also important to be able to improve and facilitate the connection between primary care professionals and the community. They focus not only on illness but also on preventive care and act as the core members of the Brazilian primary healthcare strategy. The healthcare system in the United States is set up in a much different way than that of Brazil. Our system is based on the private health insurance system, with those who cannot afford or are not eligible for private insurance being picked up by the government systems Medicare and Medicaid. Medicare treats people age 65 years and older, people with certain disabilities, and people experiencing end-stage renal disease. Currently, there are approximately 46 million Americans in the United States with no healthcare coverage, with this mainly consisting of the working poor and others who somehow fall through the cracks of the healthcare system. For these people, hospitals often set aside profits made from treating insured patients into a fund that they can retrieve money from in order to cover their losses when they treat patients that will not be able to pay their hospital bills. Another interesting aspect of our healthcare system is that there are many insurance companies that have changed the traditional format of healthcare from the physician charging what they feel is the appropriate amount of money for a particular procedure or hospital stay. Instead, with the idea of saving money and containing costs, insurance companies have now taken to a pattern of determining a fixed amount that they are willing to pay a hospital or physician for a particular procedure or surgery, and then it
5 Healthcare 5 is up to the professionals to take care of the patient in a timely and cost-effective manner in order to profit themselves. In addition to this information, it is important to also realize that in the United States, healthcare is a substantial amount of the gross domestic product. The US spends more of its GDP on healthcare than any other developed nation. In 2001, the US spent 13.9% of its GDP on healthcare, compared with 7.8% for Japan, 9.4% for Canada, and 7.6% for the United Kingdom, (Uretsky, 2005, p. 1). It is in relation to this that the United States often depends on not-for-profit health promotion organizations to meet many public health goals mainly because there is no place for the money to come from otherwise, with both ends of the spectrum (physicians and insurance companies) trying desperately to make a profit. With a brief overview of how each healthcare system works, it is important to point out the advantages and disadvantages of each system. In the United States, a 2004 quality report highlighted that the system had many positive aspects. One example would be that, Most women are screened for breast cancer (70 % over age 40 within the past 2 years), (Clancy, 2004, p. 11). In addition to this, the report conducted in 2004 by Dr. Clancy also found that almost 90% of in-center kidney dialysis patients receive quality dialysis and approximately 83% of women have prenatal care within the first trimester (p. 11). In addition to these positive aspects, there are many areas that could use improvement. First, The rate of children who are admitted to a hospital for asthma is 29.5 in every 10,000 which is more than double the rate for adults, (Clancy, 2004, p.11).
6 Healthcare 6 Also, other needs for improvement cited by Clancy were that only 20% of patients prescribed medication for depression took it according to the directions and came back for their follow-up visits, only 25% of people with high blood pressure have it under control, and nearly a third of children and adults are not prescribed primary therapy medications to control their asthma (2004, p. 11). It is possible to see how all of these problems could possibly be alleviated by a change in the structure of the healthcare system. Since physicians are forced to see patients for less time each visit because they have to meet a quota for the day in order to make a profit, they have less time to stress to patients the importance of medication compliance like in the depression statistics. Also, an inability to conduct a full and thorough medical assessment of a patient s asthma and cholesterol issues while making the proper decisions about medications that might be necessary for them is a crucial issue. Going along on that topic, if a proper assessment of the children that came to the doctor for asthma had been made, it may have been possible to avoid such a high child admittance rate to the hospital for asthma. The Brazilian healthcare system also has its own positives and negatives. Along the positive aspects would obviously be that healthcare is free to anyone who needs care. Also, they have integrated a groundbreaking health promotion and prevention program by creating the community health groups to go into individual homes and help people be educated about their illnesses as well as their possible risk factors. There is only a short list of places that need improvement when it comes to Brazilian healthcare. First, it seems that there is an inequality between SUS patients and private insurance patients. Although they receive the same care from the same doctors in
7 Healthcare 7 hospitals, SUS patients will find themselves in rooms with twice as many patients in them as privately insured patients. Notwithstanding the health provisions of the 1988 Constitution, the SUS and the SSAM reproduce in a perverse way the mechanisms that create social exclusion and social inequalities, (Eduardo, 2003, p. 46). The most difficult part of this is also that when those who purchase private insurance must have a complex procedure that the insurance they purchased does not cover, SUS is left to pick up the bill. Also, while in Brazil many of the professionals that worked within the SUS system explained that there was a desperate need for intervention in the many levels of government corruption that takes place before the SUS funds reach the public sectors. Finally, though it is advantageous to the public that one of the SUS fundamentals is public participation in policy decisions, it is not as collaborative as it may seem. Thus far the councils have extended hegemonic power to representatives of government while representatives of society typically raise narrow demands that are of little general interest, (Eduardo, 2003, p.47). The professional goes on to state that the councils simply always endorse the decisions made by the government, so though the council exists it does not actually place as much power in the hands of the people as it was created to do. There are a few similarities between these two opposite healthcare systems. First, both systems have many preventative and promotion programs to try and educate the public about how lifestyle can affect their health in the future. For example, Brazil has the community health teams as well as many public clinics that patients can go to and receive education pertaining to birth control, sexually transmitted diseases and the signs
8 Healthcare 8 and symptoms of regional infectious diseases such as Dengue fever. In the United States, these programs are usually where the not-for-profit organizations intervene to provide flu clinics, educational programs, and facilities such as Planned Parenthood for family planning programs. Aside from this common point, each healthcare system has used cutting RN nursing staffing and hiring less qualified professionals to do their jobs as a way to save money. In Brazil, an RN explained to me that it is difficult to find a job in her area because hospitals hire one RN to act as supervisor for every fourteen nurse aids they hire to actually carry out the care for less money. In the United States, hospitals use the same method to cut costs in staffing. Over the last decade there has been a decrease in enrollment in nursing schools coinciding with the fact that hospitals have been cutting costs by using less-trained people in patient care, (Landreanau, 2003, p.19). This is an unfortunate situation for a couple of reasons. The Registered Nurse is the one who is educated on proper assessment and planning for a patient and limiting their patient contact makes it much more difficult for the RN to conduct a proper assessment and thus can result in the risk of the nurse missing crucial information about the patient. This can put the patient at risk as well as the hospital in a legal and moral sense. Aside from this, the decreases in U.S. nursing school enrollment does not correlate with the current nursing shortage crisis, but it makes sense that there would be less motivation since the news is always discussing hospital rightsizing and mergers that equal nursing jobs being eliminated in the interest of cutting costs. Aside from a few similarities, there are a lot of differences between these two systems and also a lot of controversy about whether the nationalized healthcare is best for
9 Healthcare 9 a nation or if public and private insurances are more effective. As far as the public and private healthcare systems, there are many critics of the system, chiefly because it leaves many people uninsured with no good explanation of how to fix this problem. In addition to this, even the insured feel the strain of healthcare costs in the private sector. In an article written by Andy Stern in March 2007, he cites that, By 2008, according to McKinsey and Company, the average Fortune 500 Company will spend as much on healthcare as it will make in profit. In the past five years alone, the percentage of businesses offering health benefits has plummeted to 60 percent from 69 percent. That s not surprising when you consider that by 2010, family healthcare coverage will cost companies $17,552 per worker per year, (p. 73). This situation, Stern theorizes, is a problem because unlike the nationalized healthcare system, We are in this dilemma because our healthcare system is not structured on access but on cost, (2007, p. 74). This can cause problems that are being experienced by the United States especially. Ultimately, a decision must be made by each nation about whether to institute a national health system or allow it to be an economic entity in the private sector. The United States currently has reached a crossroad on this subject. Personally, upon continual contact and education about nationalized healthcare while in Brazil, it is my opinion that a national healthcare system would benefit the United States more than our current system is as of now. I am not alone in this feeling, as there are many healthcare professionals and economists that feel that the sooner we end healthcare as a moneymaking endeavor the better. It starts with a universal system that provides affordable coverage, choice of physicians and insurance plans, core benefits and shared financing
10 Healthcare 10 among employers, employees and government, (Stern, 2007, p. 74). Although most of the professional articles that I have read agree with this, they realize that this will not come without issues. Political conflict is to be expected, considering, how difficult it is to get the political leadership to agree on much of anything, let alone having the different parties of political leaders faced with the need for reconstructing a sector of the economy that is approaching 15% of the gross domestic product, (Landreanau, 2003, p.18). Another important point is that many Americans may have an issue with this change in healthcare, especially those that take care of their body and health. The question of whether a person with the healthy lifestyle should pay increased taxes to support the person with the unhealthy lifestyle is a real issue in today s financing of health care, (Landreanau, 2003, p. 20). In discussing such a controversial issue it is difficult to foresee the future decisions that will be made in the United States and how our healthcare system will change over time. In conclusion, Brazil is a crucial example of a developing country that has managed to implement a healthcare system which, despite some flaws, takes excellent care of the people within it. It seems that the United States would have converted years ago, but with big business having such a huge percentage of its earnings in our healthcare system the way that it is currently, it is no wonder there has been so much resistance to change thus far. But, in the end, we must all remember that, Cost issues should not cost lives if other means are available, (Landreanau, 2003, p. 20). This is the bottom line that all Americans should consider. This is the quality of life that we all value so much that we are discussing, and only we have to power to tell the government what change needs
11 Healthcare 11 to take place. It is extremely difficult to force politicians to take a definitive stance on any issue that faces our country, especially not one that is such a financial powerhouse that also supports many political agendas all on its own. However, it is my opinion that it is only a matter of time before our country falls into step with all of the others who have already discovered the immense benefits that a standard healthcare system will supply to their citizens and their quality of life.
12 Healthcare 12 References Clancy, C. (2004). Quality Agenda. The Quality Letter (p ). Retrieved September 15, 2007 from the CINHAL database. Eduardo, P., Cohn, A. (2003). Health reform in Brazil: lessons to consider. American Journal of Public Health 93 (1), (p ). Retrieved September 27, 2007 from the PubMed database. Landreanau, K. (2003). Cost issues related to American healthcare policy. Nursing Forum 38 (1), (p ). Retreived September 15, 2007 from the CINHAL database. Stern, A. (2007). The case for a new American healthcare system. Healthcare financial management, (p ). Retrieved September 15, 2007 from the CINHAL database.
Health Insurance / Learning Targets Compare the basic principles of at least four different health insurance plans Define key terms pertaining to health insurance Health Insurance I have a hospital bill
BARACK OBAMA S PLAN FOR A HEALTHY AMERICA: Lowering health care costs and ensuring affordable, high-quality health care for all The U.S. spends $2 trillion on health care every year, and offers the best
Your Pharmacy Benefit: Make it Work for You! www.yourpharmacybenefit.org Table of Contents Choose Your Plan.............................................2 Steps in Choosing Your Pharmacy Benefits.........................
Response to the New Brunswick Government Consultation on a Prescription Drug Plan for Uninsured New Brunswickers Brief submitted by The New Brunswick Nurses Union April 2012 Background The New Brunswick
Programs Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured Medical Assistance for Families (SB 6) Medical Assistance for Families provides full health care insurance to
by Dimitri Drekonja, MD, MS, FACP After what seemed like a short hiatus, health-care stories are creeping back into the news, with numerous (and often contradictory) claims: The Affordable Care Act (aka
The Health Care Law and p Faith leaders are trusted partners in local communities. You have a unique ability to reach people, especially the most vulnerable, with the tools and information they need to
Insurance Course Principles of Health Science Unit I Health Care Systems & History of Health Care Essential Question Who pays for today s health care? TEKS 130.202(c) 1K, 1M, 1N, 1O, 1P, 1Q Prior Student
Page 1 of 10 Key Features of the Affordable Care Act, By Year On March 23, 2010, President Obama signed the Affordable Care Act. The law puts in place comprehensive health insurance reforms that will roll
Ensuring Your Pet s Health A Guide for Pet Owners from the American Animal Hospital Association 1 Dear Fellow Pet Owner, Opening your home to a pet is one of the most rewarding experiences you will ever
The Health Care Law and The Problem Insurance companies were not held accountable and could turn away some of the 129 million Americans with pre-existing conditions. Premiums had more than doubled over
1-Insurance Issues Financial and Insurance Issues Health insurance Programs that help patients pay for medical care. Private companies provide insurance. So, does the government. It s an unfortunate fact:
2015 Medicare At A Glance Indiana 2015 State Health Insurance Assistance Program (SHIP) Who runs the Medicare Program? The Centers for Medicare & Medicaid Services (CMS) is the Federal agency that runs
CENTERS FOR MEDICARE & MEDICAID SERVICES Medicare and Your Mental Health Benefits This is the official government booklet about Medicare mental health benefits for people in the Original Medicare Plan.
Mary A., a retired resident of Hendersonville, Tennessee pays for health insurance like most Americans. However, at age 62, her diabetes, high blood pressure, and high cholesterol force her to pay soaring
good health FALL 2015 YOUR FAST TRACK TO LIVING WELL Stay Healthy Screenings you and your family need In the Know Protect yourself against health care fraud www.aultcare.com TELL US HOW WE ARE DOING Whether
Health & Government Module 5 i2p Expedition India National Emblem of India : Emblem i2p Expedition India India 2011 1 Take Home Points The United Nations has declared access to basic health care a human
HOW CAN WE REDUCE OUR HEALTH CARE SPENDING AND STILL GET HIGH QUALITY CARE? A Choicework discussion guide from Public Agenda, developed through a collaborative research project with the Kettering Foundation
Insurance 101 for Students Health Care in the United States The U.S. does not offer free medical care to the general public Medical care is very expensive Doctor office visit: $150 - $200 Annual asthma
How Medicare Works Helping you make the most of Medicare 2016 MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 About Medicare Whether you re new to Medicare or want a refresher,
The Young Person s Guide to Health Insurance For Graduating Seniors A message from the WHITE HOUSE Dear Friends: Graduation is a time for you and your family to celebrate your accomplishments, and to think
Premier ACO Collaboratives Driving to a Patient-Centered Health System As a nation we all must work to rein in spiraling U.S. healthcare costs, expand access, promote wellness and improve the consistency
Timeline: Key Feature Implementations of the Affordable Care Act The Affordable Care Act, signed on March 23, 2010, puts in place health insurance reforms that will roll out incrementally over the next
Medicare observation services cannot exceed 48 hours. Typically a decision to discharge or admit is made within 24 hours. Medicaid allows up to 48 hours. Private Insurances may vary but most permit only
December 12, 2008, 6:30 AM Why Does U.S. Health Care Cost So Much? (Part IV: A Primer on Medicare) By UWE E. REINHARDT Uwe E. Reinhardt is an economist at Princeton. Medicare, the federal health-insurance
HEALTH CARE What does the Affordable Care Act mean to you? HEALTH CARE On March 23, 2010, President Obama signed the Affordable Care Act (ACA) into law. This marked the beginning of health care reform.
Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.
Claims-Made or Occurrence When it comes to healthcare malpractice insurance, you ve got two coverage choices claims-made or occurrence. So what s the difference? THE BASICS In 1899, a small group of doctors
Understanding Group Health Insurance Anthem KeyCare 15+ Plan January 12, 2010 Although it is the intent of the University to continue current benefit plans, the University reserves the right to modify,
Vermont Blue 65 SM Coverage for Vermonters with Medicare 2016 Medicare Supplemental Products Group Brochure An independent, local Vermont company Three smart steps to quality health care after retirement:
Problems with Health Care Sociology 230 Dr. Babcock Chapter 2b U.S. Health Care From 1987 through 2014 a growing number of Americans had no medical insurance Health Insurance one in four adults (49.5 million)
Obama Administration Record on Health Care Today, two years after we passed health care reform, more young adults have insurance, more seniors are saving money on their prescription drugs, and more Americans
TIP SHEET Information Partners Can Use on: Medicare Basics: Frequently Asked Questions As of October 2006 What is Medicare? Medicare is health insurance for people age 65 or older, under age 65 with certain
Vol. 28, No. 9 December 2001 Long-Term Care Insurance What is Long-Term Care? Long-term care consists of medical, social, and/or personal care services required by a person with a chronic illness or disability,
Medicare Orientation Guide Your Medicare Orientation Guide At MCS Classicare (HMO), we take care of you so you feel better every day. That s why we want to get you familiar and provide you with the tools
CURRENT LOGO your guide to health INSURANCE reform for This guide explains how Health Reform will affect Individual and Family health plans, helps you understand different types of health insurance and
Please take this moment to convert the display to Full Screen A Conversation About Medicare Part A, B, C and D www..com A Conversation About Medicare Part A, B, C and D www.healthcaremedicalpharmaceuticaldirectory.com
Medicare Advantage Star Ratings: Detaching Pay from Performance Douglas Holtz- Eakin, Robert A. Book, & Michael Ramlet May 2012 EXECUTIVE SUMMARY Rewarding quality health plans is an admirable goal for
Financial Aspects of Kidney and/or Pancreas Transplantation Transplantation is an expensive treatment for renal and/or pancreas disease and it is important for you to plan ahead and be well informed of
MYTHS ABOUT SINGLE PAYER COMING TO VERMONT For information on myths about single payer in general, please click here. MYTH 1: Physicians will leave the state if we enact single payer. This is the claim
The Health Care Law and You The health care law enacted in 2010 brings a number of benefits to all Americans, including people over 50. Some of these benefits you can get right now. Others phase in over
Testimony of the Iroquois Healthcare Alliance presented to the New York State Senate Finance Committee and New York State Assembly Ways & Means Committee regarding 2011-2012 Executive Budget Proposal on
Health Insurance Wellness Programs What s in it for you and how they affect your insurance premiums Introduction The Canadian approach to health care needs to change. Canadians generally have a reactive
Young Singles Considerations As a young single, you re on your own without parental support for the first time. You could be finishing college, or you may be looking for or starting a new job. This stage
Meet Richard Saitz, M.D., MPH Richard Saitz, M.D., MPH, is a professor of medicine and epidemiology at Boston University, and also primary care physician and director of the Clinical Addiction Research
Reining In Employee Benefits Costs White Paper 2007 Controlling overhead expenses is as important to your business s profitability as increasing sales. One of the most critical overhead issues facing business
Primary Health Care Forum Burin Question 1: What does acceptable access to primary health care services look like to you? I came to Burin 50 years ago and I could see a doctor anytime I wanted back then,
Second Hour Exam Public Finance - 180.365 Fall, 2007 Answers HourExam2-Fall07, November 20, 2007 1 Multiple Choice (4 pts each) Correct answer indicated by 1. The portion of income received by the middle
An Integrated, Holistic Approach to Care Management Blue Care Connection With health care costs continuing to rise, both employers and health plans need innovative solutions to help employees manage their
What is Home Care Case Management? Printed in USA Arcadia Home Care & Staffing www.arcadiahomecare.com Case Management: What is it why is it important? While different approaches to healthcare today are
Why Wellness? Can you afford to start a wellness program? Or is it can you afford not to? In the early days of wellness, lifestyle programs were considered a nice perk for employees. But today, implementing
WHAT IS MEDICAL MANAGEMENT? How health plans make decisions to approve payment for medical treatment is a poorly understood part of the healthcare system. One part of the process, known as medical management,
How the New Health Care Law Benefits You Congress enacted a new health care law which brings a number of benefits to all Americans, including people over 50. Some of these changes you will see this year.
Produced by & Not affiliated with any Government Agency A Brief History of Medicare Medicare is a national social insurance program, administered by the U.S. federal government since 1965, that guarantees
The Prudential Insurance Company of America Long-Term Care Insurance 20 Questions concerning long-term care insurance 0163472 0163472-00002-00 1WHAT IS LONG-TERM CARE? Long-term care covers a wide range
This session will provide an opportunity to review the current status of nursing as a related service in NC Exceptional Children s programs and provide information for consideration in changing that status.
March 2014 110 Stockton Street Charleston, WV 25387 (304) 558-0416 www.ddc.wv.gov The Affordable Care Act and People with Developmental Disabilities The Patient Protection and Affordable Care Act (ACA)
Revised June 2014 What s Medicare? Medicare is health insurance for: People 65 or older People under 65 with certain disabilities People of any age with End-Stage Renal Disease (ESRD) (permanent kidney
Patient Relationship Management: An Approach that Improves Patient Satisfaction and Health A Healthcare White Paper Table of Contents The Challenge of Reactive, Disconnected Healthcare.................
it s about you yourchildren & your parents p l a n n i n g t o d a y f o r t o m o r r o w S usan never anticipated how difficult and heartbreaking it would be to place her mother in a long-term care facility.
CENTER FOR HEALTHCARE RESEARCH & TRANSFORMATION Policy Brief June 2010 The Patient Protection and Affordable Care Act at the State and Local Level While health care reform has its foundation and framework
The Health Care Law and Office of the Regional Director Community Resource California-Based, extensive travel to NV, AZ, and HI. Day-to-day, week-to-week, month-to-month Educate the public on the benefits
Health Insurance Coverage for Direct Care Workers: Key Provisions for Reform Introduction As an organization dedicated to our nation s 3 million direct-care workers and the millions of elders and people
Chapter 8: Just in Case Additional Material Here I go into detail about Medicare, Medicare Advantage (MA) plans, and Medigap plans. What about Medicare? Medicare is a federal health insurance program for
Get Covered Guide Understanding the New Health Insurance Written by: Lucy Berrington and Jessica Kendall at Enroll America with input and support from: Kimberly Bemberis, Kathryn Bicego, Barbara DiPietro,
EVIDENCE OF COVERAGE A complete explanation of your plan Health Net Green (HMO) January 1, 2010 December 31, 2010 Important benefit information please read H0755_2010_0389 10/2009 January 1 December 31,
info sheet Medicare is the basic federal health insurance for older persons and for younger people with disabilities. Because Medicare has gaps in coverage, many people also buy a Medigap policy to supplement
Institutional Reforms to Reduce the Cost of Medical Care by William A. Niskanen Chairman, the Cato Institute presented at the 60 th anniversary meeting of the Mont Pelerin Society Tokyo, Japan 9 September
Choosing Health Care Insurance By Steve Meinhardt http://yumainsurancehealth.com Office: 928-217-3621 Mobile: 928-580-7102 Fax No: 928-344-3507 Email: email@example.com Or - Fill out the contact
The Health Care Law and The Problem Small businesses paid an average of 18 percent more than big businesses for the same coverage. Insurance companies could take advantage of you and discriminate against
Medicare and You The Different Parts of Medicare A Medicare Part A Hospital Insurance Inpatient care at hospitals, skilled nursing facility*, hospice and home health care. What is Medicare? Medicare is
Getting Started with Medicare Beginning Medicare Training This Medicare Counselor Training program was developed under a grant from UnitedHealthcare through a joint project with the National Association
CONTENTS Health Insurance Considerations for Empty Nesters Medicare Considerations Long-Term Care Insurance Considerations Health Insurance Considerations for All Life Situations Disability Insurance Considerations
Community Health Needs Assessment Implementation Plan FY 14-16 South Miami Hospital conducted a community health needs assessment in 2013 to better understand the healthcare needs of the community it serves
The health care reforms proposed by President Obama and some Members of Congress would nationalize nearly 20 percent of the U.S. economy, and would eliminate individual health care choices and delay or
Physician's Guide to Disability Insurance 1 2015 OnCall Advisors, LLC Preface Disability insurance is one of the most misunderstood financial products by physicians of all ages, nationalities, and specialties.
Geneva Association 10th Health and Aging Conference Insuring the Health of an Aging Population November 18, 2013 Diana Dennett EVP, Global Issues and Counsel America s Health Insurance Plans (AHIP) America
Medicare Coverage of Kidney Dialysis and Kidney Transplant Services If you have permanent kidney failure, this booklet is for you. It tells you... $ How to get Medicare if your kidneys fail. $ How Medicare
PREPARED TEXT Presented to The Dominican Friars Health Care Ministry of New York Of Saint Catherine of Siena Church and Priory Third Annual Lecture in Catholic Health Care Ethics October 20, 2008 Sr. Carol
AARP S MEDICARE GUIDE FOR FAMILY CAREGIVERS CONTENTS 5 About Medicare 7 A Little More About Your Choices 8 Medicare Prescription Drug Coverage 9 Where to Start 14 Medicare Glossary 2015. Reprinting with
Understand what s new and think differently... Together, we can think differently about our new programs and benefit options that are designed to help you make wiser, healthier choices. Annual enrollment:
Chapter 11 SUPPLEMENTARY FINANCING OPTION (4) VOLUNTARY PRIVATE HEALTH INSURANCE Voluntary Private Health Insurance as Supplementary Financing 11.1 Voluntary private health insurance includes both employer
Education Overview Organized education for nurses began about a hundred and fifty years ago. For about the first hundred years, most of this education took place in hospital-based and hospital-owned schools.
West Virginians for Affordable Health Care The Affordable Care Act: What It Means for Nurses and Future Nurses The Affordable Care Act: What It Means for Nurses and Future Nurses Prepared by Renate Pore
Financial Information for Kidney and/or Pancreas Transplantation Transplantation is an expensive treatment for kidney and/or pancreas disease and it is important for you to plan ahead and be well informed