health care by xiuliliaofz


									Health care – Definition:-
Health care or healthcare as a general term
refers to the delivery of medical services by
specialist providers, such as midwives, doctors,
nurses, home health aides, vaccination
technicians and physician's assistants. Usually
such services receive payment from the patient
or from the patient's insurance company,
although they may be government-financed or
delivered by charities or volunteers, particularly
in poorer countries.
Health care can form an enormous part of a
country's economy. In 2000, health care costs
paid    to    hospitals,   doctors,    diagnostic
laboratories, pharmacies, medical device
manufacturers etc., consumed an estimated 14
percent of the GNP of the United States, the
largest of any country in the world. For the G7
countries the average is about nine percent.
Health care services include preventive care,
vaccination,      diagnosis,   prescribing    and
administration       of    medicine,      surgery,
observation, and attendance at childbirth.
Prior to the popularization of the holistic
neologism        healthcare,    English-speakers
referred to medicine or to the health sector and
spoke of the treatment and prevention of illness
and disease.
      “The prevention, treatment, and
      management of illness and the
      preservation of mental and physical
      well-being through the services offered
      by the medical and allied health

     “In nothing do men more nearly
approach the gods than in giving
health to men” ~Cicero

The issue of health care and health
care reform is a topic of growing
debate in the United States. Health
care touches everyone. There are
families who worry about their
children    and     aging    relatives;
employers who must provide health
insurance to their employees and the
employees who need the benefits. In
addition, there are the government
officials and politicians who are
concerned about the rising cost of
health care; and, of course, the
hospitals and doctors who are
responsible for delivering health care.
Having adequate health care is
extremely important to people. Even
successful medical treatment can
involve pain, anxiety, risk, and,
inevitably, lots of money. The last
thing a patient in a hospital wants to
think about is "how am I going to pay
for all of this?" Ideally, instead of
worrying about money, a patient
should be concentrating on getting
well. However, the whole subject of
health insurance can be mystifying.
Very often people do not fully
understand their health insurance
plans, and many people have run into
problems because of their lack of
This chapter is a starting point for
becoming an informed health care
consumer by providing valuable
information to be used in making
health     care    decisions.     When
confronted with choices about
doctors, specialists, health care plans,
and hospitals, a consumer needs to
be empowered with the information
to make affordable and effective
This chapter will cover the basics of
health care, including information
about the health care system in
America and in other countries; the
different kinds of health insurance;
Medicare and Medicaid; and how to
navigate the world of health
insurance under many different
conditions, in sickness and in health.
The Top 8 reasons why you need
Health Insurance:
   Health insurance helps to ensure that
    you and your family are protected
    against the financial hardships that
    may result from health care expenses.
   Without health insurance, you may
    not be able to afford medical care
    when you need it
   People with health insurance are more
    likely to go to the hospital before their
    condition worsens and becomes more
    expensive to treat.
   People with diabetes who do not have
    health insurance have a higher
    mortality rate than people who have
    diabetes and health insurance.
   If large medical bills are not paid, the
     hospital can put a lien against your
    You may have to seek are at county
     run hospitals. County run hospitals are
     often overcrowded and it may take
     hours, if not days to be seen.
    Some colleges, universities, and
     international programs require proof
     of health insurance to be enrolled.
    You may receive a high life insurance
Types of health insurance
    Catastrophic health insurance is
     one of the least expensive forms of
     health insurance. Deductibles, the
     amount the individual pays out of
     pocket   before   insurance    begins
     paying, are generally large for these
    types of policies. These policies are
    only suitable for individuals with the
    financial means to handle routine
    illnesses and hospitalizations.
   Short-term health insurance is
    similar to term life insurance in that it
    can only be purchased for a specific
    period of time. Short-term health
    insurance often comes with strict
    qualifying procedures and may not
    cover pre-existing medical conditions.
   A Preferred Provider Organization
    (PPO) is a health insurance plan
    where medical treatment is fully
    covered if provided by a doctor or
    hospital belonging to the PPO's
    network of health care providers.
    Treatment performed outside the
    network is also covered, but at a
    reduced rate.
   Health Maintenance Organization
    (HMO) greatly restricts who a patient
    may see for non-emergency medical
    services.    The    advantage  is   a
    significantly lower premium.

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