With the development of the American medical insurance reform

With the development of the American medical insurance reform
A, the United States the development of medical insurance
In the United States, a common cases of inspection tests need to be beautiful
Yuan, a day of hospitalization in general also need $, medical expenses, aung
Expensive, the medical insurance from the s of this century has become an American
The most urgent need of insurance service.So far, has become a health insurance
The insurance market penetration rate is extremely high source of insurance business,
Americans are willing to pay a premium to buy all kinds of medical insurance
Risks.
Reviewing the development of the American medical insurance, can be divided into the following
Two or three, phases,
Simple folk stage of medical treatment insurance.This one phase from the s
Period until mid - way of medical treatment insurance is voluntary
, the folk organization management, the representative group medical insurance group is blue
Words, commercial medical insurance and kay from tissue.Among them, the blue cross organization
Is the regional medical insurance of American folk organization, it emphasizes the volunteer service,
Not for-profit, and use regardless of insurance is age, physical condition,
According to the unified standard particulars for payment of insurance premium, thus is advantageous to the high-risk people
Group, and not conducive to the healthy crowd commercial medical insurance organization is a nationwide
Medical organizations, it with profitability, and according to the people at high risk, low risk
Have different standard of medical treatment insurance premium, low-risk population for health fee is low,
Charging high bad to the body, thus of great appeal to healthy people
Caesar group is a form of medical insurance of the contracted in advance, it is confirmed
Insurance companies and hospitals or doctors medical contract, to carry on medical insurance is
Treatment for contracting, the condition is the guarantee insurance is effective treatment, funds
Calculate the overruns not fill, savings to return all the way to the hospital or doctor, thereby
Help to reduce the medical expenses of the hospital, the hospital or the doctor
Less spending provide effective medical care, to avoid the medical process
The waste phenomenon.
Government involvement in health insurance stage.This one phase from years away
Beginning to year marked by the U.S. congress to pass health care plan
The plan was based on the article of the social security act, the federal government
Government funding for United States citizens over the age of, patients with severe renal and disability
Patients with medical insurance, but has the specific provisions on scope of medical treatment
At the same time, the state governments according to the stipulations of article of the social security act, also
Have set up medical expenses relief and so on to participate in the national health insurance.In addition, the government
The government also provide medical aid to the poor.Days, the United States congress to vote again
Ticket by expanding the scope of medical treatment in medical care plan
Pay the insured person most of the hospitalization expenses, the insured person pays part is qualified
As the dollar.The participation of the government, the elderly and disabled people won
Have basic medical and health care in the quality of social insurance, but the vast majority of people
Treatment insurance still have to solve or employers to help solve it
With a nature of social insurance medical treatment insurance, the insured individual also should undertake
A percentage or amount of medical expenses.Therefore, years,
America's health insurance in fact includes government funding and medical insurance

People didn't get compensation, and also can return the part of the insurance benefits.
Years has changed the method of insurance rate calculation.The new rate by
Combination according to the local statistical information collected during the process of insurance work indeed
, the localization of the calculation method of premium rates, can be more accurately
Reflect the loss rate and the change of time.
The change of the insured crops.
With the development of agriculture, some of the initial agricultural insurance system
Risk of crops of wheat, barley, oats and upland rice increasingly become not important,
And other crops, especially fruit, vegetables and horticultural crops become more important
.Horticultural crops planting fruit and risk bigger, growers urgently need to be confirmed
,,
Risks.Years on a voluntary basis, therefore, implements the fruit insurance scheme,
Years on a voluntary basis for horticultural crop insurance scheme.At that time
Some people used to think that, if there is no force to participate in, small like Japan
The farmer's social practice the crop insurance is impossible, that was not the like
With this.This is because the production of fruit per cost twice or three times the rice
Of the cost of production, the production cost for the vegetable rice, farmers' right
Attend insurance demand more urgent.Of course, these new crop insurance still needs to be
Should the government provide subsidies.

Private health insurance.
Stage of reform and development.Although since years, medicine in the United States
Treatment insurance system reform, without such as premium standard, the poverty line
Adjustment, but the real start of medical insurance system reform or since
Years after President Clinton took office.Previously, the United States each year in the congress
About health insurance proposals have dozens of, but because of the parties or groups
The disagreement between, and always no result.In the year's presidential race
Selected, how to do, including medical insurance, medical and health care reform a
Straight is the hot topic of the United States, President Clinton to the White House, after the reform
The theory is incandescent.(date) (month) (year), enacted by President Clinton
Surface on reform of medical system plan, President Bill Clinton in the United States again
The senate and house of joint meeting, put forward the medical and health care
Reform scheme, although it remains to be seen how to implement, but the plan can be
As the medical insurance system into the stage of reform and development.
Second, the kind and content of the medical insurance system in the United States
America's health insurance system, more complex, according to different standards
Can make a variety of division.
According to the nature of medical treatment insurance can be divided into three categories
Free medical care.According to the relevant government rules and regulations, for not
Into medical schemes to give free treated, its scope includes only the critically ill baby
Son and HIV/AIDS patients, the medical fees are paid by the federal government.
Years, the free medical care spending $, along with HIV/AIDS
Patients are increasing, the spending has increased significantly in recent years.
Medical social insurance.Is characterized by government funding, to enforce.
It mainly includes a medicare is funded by the federal government, its
Objects are old age, disability, or citizens of the United States with severe kidney disease, about
.Ten thousand the second is funded by the federal and state governments of low-income family
Court medicaid, enjoy the qualification for low-income home below the poverty line
Court, but the poverty line have different states, such as a family of New York state,
In the year is only enough to qualify for family income less than $
The subsidy, such beneficiary three is about more than ten thousand people across the United States army
Medical social insurance of people and their families, about ten thousand people across the United States is four
Belongs to "a minor children family allowances" plan funded health insurance
, and enjoy other medicaid, around the country..Ten thousand people.
Personal medical insurance.It is mainly refers to employers or federal
The government plans to provide health insurance, and insurance is covered by individual freedom, the right
As for all the citizens of the United States, under the age of about one hundred million people, there is
..More than americans have no health insurance.
According to the scope of insurance, medical social insurance in the United States can be divided into the
One of the hospitalization insurance and supplementary medical insurance.The former belongs to the mandatory
Insurance, funding including hospitalization, hospital treatment, and family members
Beneficiaries care and outpatient expenses compensation, but still have to take
Amount or proportion of the cost of the latter belongs to the voluntary insurance, the insured person per month
Must pay the insurance premium monthly pay $s
Yuan, the safeguard scope includes ZhenDuanFei and uniersity, dental treatment and medicine
Goods, inspection, care, etc.
According to the medical insurance organization can be divided into two kinds of work
Enterprise mainly is the group of large and medium-sized, office worker, with confirmed by the employer
Insurance health insurance contracts, according to certain conditions for all employees
And their families to provide health insurance, this kind of business is equivalent to our country's enterprises
Welfare cangue degrees, but no unified standard citizens for personal medical insurance
Risks, namely, individual or family separate medical insurance contract with the insurance company.
According to the content of medical treatment insurance can be divided into five kinds of hospitalization medical treatment
With insurance.To pay the hospital clinical, laboratory and patient food, special equipment
Use, care, certain drugs and the material cost, most of the sick in the hospital
Number of days and the bed the highest expenses have specific provision standard general medical care
The cost of insurance.Pay outpatient visits, drugs and general and health care costs, but the hand
Except surgery insurance cost.Payment of the surgical operation
Use, but there is every time limit stipulated individual medical highest operation cost
Insurance.Undertake such as dental, eye care, oral health, cancer care
Such as fee, the specialized large or major medical expenses insurance.bearing
The medical expenses of the general, namely to lower health care costs irresponsible,
But only responsible for the high medical costs, sometimes even the highest paid not limit
Well, but have a franchise and the proportion of the presenter.
Three main problems of medical insurance system, the United States
Medical costs jumped sharply on led to the medical treatment insurance premium
L.From year to year, medical treatment charge of surge make single worker
The rising cost of health insurance and health insurance fees of the family
Rose by years, America's health care costs.
Dollars, accounting for the gross national product (GNP), medical insurance of insurance
Gold rose index is normal price.
The lack of a unified medical insurance system.In the United States, people are divided
Into classes or groups, some enjoy free or social medical insurance, there are
Enjoy employer-sponsored health insurance, some can only be as free
State standard of poverty line, and furthermore, led to the medical insurance system
Not unified, benefit the middle class is more, instead, poor benefit,
To become the United States an important cause of social contradictions.
Inadequate protection.Due to the expensive medical costs and government funding
Co., LTD., together with the commercial insurance is covered by insurance institutions will some shut out of the United States
In medical insurance is developed at the same time, inadequate protection of the deposit has asked
The topic.On the one hand, the insurance is covered by a year with one month's salary payment
Treatment insurance fee, but only a third of insurance can be compensated, d
Most of treatment costs still shall be borne by the individual, on the other hand, in a medical
Insurance people, there are also a significant number of people belong to the insurance, namely to
Limited a few insurance, either guarantee amount is low.
The national also have no health insurance.Across the United States about some
People enjoy government funding or employer funded or individuals to participate in medical insurance,
But people are still unable to bear insurance premium or due to the employer

This does not provide any medical insurance fund and their income is slightly higher than the poor
Stranded wire, cannot enjoy medicaid or lost due to unemployment or conversion work
To the original medical insurance or is thought to be due to suffering from chronic diseases
Do not conform to the insured object, was shut out in medical insurance.
Fourth, the medical insurance system reform
The Clinton administration on medical and health care system reform scheme is in grams
Under the leadership of Mrs Linton, after more than a year of brewing and listen to all parties
After issued.Reform is the slogan of the if you don't have medicine now
Insurance, then you will get if you have health insurance, then you
Will not be lost.The ultimate aim is to provide every American with
Health insurance.
According to the administration of President Bill Clinton announced reforms, its main content
To sum up as the
a
Next time
Comprehensive protection.The medical insurance will be involved in every family, and a
People, to ensure that every person in need when receive appropriate medical service system at the same time
Book a standard range of medical services as content of basic health care, including
Outpatient, hospital, laboratory examination, diagnosis, inspection, psychiatric and beforehand
The project of the health care and so on.Every American will be as a club
Will be as the health insurance card, security card once you need to use, any hospital
Or doctors all patients can not be rejected.But because America's economy in recent years
Well, can guarantee as planned implementation within a year
To conclude.
Simplified procedures.Due to the private insurance industry developed in the United States, the relevant regulations
A dime a dozen, is used to process documents, form each year than the average
Higher than that of countries, many medical units hired personnel dealing with these things
Services, and the expenses and has nothing to do with medical services, therefore, by Jane
Formalities, can save a lot of cost and is used to health career
Into the.
Improve the employers and the government funding standards.The new reform
Employers must pay each employee medical insurance, the rest of the department
Points shall be borne by the employee himself.If belong to small businesses or low-income individuals
Or family, the government can also offer certain subsidy, to ensure that there is no cure
People can get medical treatment insurance insurance.
The freedom to choose.That determine the three reforms, everyone can
Choose a suitable for their own health insurance plan, and give the change
Get the freedom of choice, in order to create a free competition of the medical insurance
The market.
Emphasis on the responsibility.Reform requires to every person, group
Responsible for health, especially in the insurance industry, medical personnel, such as the pharmaceutical industry is heavy
Big responsibility.At the same time, is appealing to everyone to change unhealthy behavior, and requirements
Hospitals in the compression of health funds at the same time guarantee the quality of medical services.
In the state of the crowd.This allows a state
Everyone in, makes the ability of the medical risk greatly strengthen,
And the alliance with the trade unions and the insurance company can make medical price
On the negotiations.
At present, the reform is discussed in congress, though many group
Body, the opposition parties, but according to the poll, most people said praise
With Clinton's reform.The medical insurance system reform in the United States
Smoothly and realize the goal of its reform, remains to be seen