I am a non-US citizen and need this information to do a case.
Specifically:
1) Is health insurance compulsory for everyone?
2) What happens if someone cannot afford it?
3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? does the patient need to pay anything extra?
4) does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance?
Thanks for reading this. your help in answering any part of the questions would be greatly appreciated!
Wow. What a question. In the order asked.
1. No.
2. You do without.
3. Rarely do they cover all the bills. most often, patients pay a pre-negotiated portion - either a set dollar amount of a copay or a percentage.
4. In a perfect world, only doctors and their patients would have say over what treatments are performed. But, since this is by far NOT a perfect world, the insurance companies have the say. The patient doesn't get to choose the more expensive treatment - and the ONLY way it would be covered was if the patient and their doctor(s) can prove beyond a shadow of a doubt that by the insurance shelling out more money up front (in the form of the treatment) they would, in fact, save money in the long run - by not having to pay for complications or repeat proecdures.
If the patient ops to "top up" the treatment, they better have deep pockets because they'll probably end up paying for most, if not all of it.
Health insurance doesnt work in the US. if you cant afford it (it is very expensive) you dont have it. we do have programs to provide insurance to those that cant afford it, but it is primarily for children. You can choose any treatment you want as long as you are going to pay for it. if you do have insurance the insurance company pretty much tells you what they will pay for, otherwise you are on your own. Insurance companies rule in the US, and if you dont like it.....too bad.
How does health insurance work in the US?
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