![]() ![]() For individuals in the United States, the requirement for referral to a specialist is often determined by the type of insurance. Referral to See a SpecialistĤ According to Tikkanen (2020), “Patients are able to choose which hospital to visit, and the government has introduced the right to choose a particular specialist within the hospital.” Citizens do have the right to pay out-of-pocket to see a specialist of their choosing (Tikkanen, 2020). Often 90-day generic prescriptions are the most economical option for individuals. Many other privately funded insurances offer generic medications for specific conditions free of charge or at a discounted rate. In the case of Medicare, medications are covered based on the plan enrolled in by the individual. ![]() Government or state-funded insurance will receive generic medications at a considerably lower price than brand-name medications. (Tikkanen, 2020) The cost of medication within the United States varies widely by insurance type. ![]() Many citizens of Great Britain receive their prescriptions free: children under 15, students (16-18 years of age) in school full-time, those 60 years and older, low-income individuals, pregnant and recently delivered women, and individuals with cancer or other chronic conditions or disabilities. For outpatient-filled prescriptions, there is a nominal fee per prescription. Coverage of Medications Medications within NHS hospitals are covered at 100 percent in Great Britain. In Great Britain, like with the unemployed and children receive comprehensive care through NHS (Tikkanen, 2020). Retired persons are also able to purchase private insurance in place of, or in addition to Medicare. Added options to basic Medicare are an additional cost for those individuals. Retired individuals over 65 years of age in the United States may receive healthcare coverage through Medicare. In the United States, the unemployed may receive healthcare by applying for Medicaid. Children, up to the age of 26, may also be covered by private insurance offered by their parent’s employer.ģ Unemployed, as long as they are citizens of Great Britain, also receive healthcare through NHS (Tikkanen, 2020). For a family with incomes above the threshold for Medicaid, the Children’s Health Insurance Program (CHIP) provides comprehensive care with some free services and others at low cost. For low-income families, children may qualify for Medicaid, which is state- funded. In the United States, there are several options for children that depend on the family’s income. Children in Great Britain are covered completely by National Health Service (NHS) (Tikkanen, 2020). ![]() Individuals within Great Britain may also purchase private insurance at their own expense, which can allow them to receive quicker access to optional care (Tikkanen, 2020). Great Britain has public healthcare that is free to all citizens and is funded mostly through taxes, however, there is no “precise scope of services” and “there is no absolute right for patients to receive a particular treatment” (Tikkanen, 2020). The United States has a variety of insurance options, depending on each individual’s situation, that can be provided by employers, through self-purchase, or government- funded. Access There is a significant difference in the healthcare offered between the United States and Great Britain. Country to Compare This paper will compare healthcare in the United States with that of Great Britain. 2 SAT1 - SAT TASK 3: Healthcare Financing A1. ![]()
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