Examples of private insurance in the following topics:
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- Healthcare in the United States is provided by separate legal entities, often private facilities with governmental insurance for citizens.
- Most Americans under age 65 (59.3%) receive their health insurance coverage through an employer (which includes both private, as well as civilian public-sector employers) under group coverage, although this percentage is declining.
- Healthcare facilities are largely owned and operated by the private sector.
- The U.S. system is primarily one of private insurance, with governmental insurance provided for citizens on the healthcare fringe.
- Some Americans who do not qualify for government-provided health insurance are not provided health insurance by an employer, and are unable to afford, cannot qualify for, or choose not to purchase private health insurance.
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- Two types of health insurance exist in modern society, private health insurance and publicly funded health insurance.
- Private insurance, based on free market principles, refers to health insurance provided by a non-governmental organization, usually a privately owned or publicly traded corporation.
- Among developed nations, the United States is the only country in which private insurance is the primary source of healthcare.
- In contrast to this private method, in public insurance, health care is paid wholly or mostly by public funds.
- Discuss the use of both private and public health insurance and the implications for society's overall health
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- The insurer may be a private organization or a government agency.
- Two types of health insurance have developed in modern society: private health insurance (or free-market) models and publicly funded health insurance models.
- Private insurance refers to health insurance provided by a non-governmental organization, usually a privately owned or publically traded corporation.
- Despite these possible benefits, the private insurance approach is not without its drawbacks.
- In private insurance systems, each insurance company is responsible for negotiating its own salaries.
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- More women than men are insured in the United States.
- In one study of a population group in a low-income urban community, 86 percent of women reported having access to health insurance through publicly assisted or private options, while only 74 percent of men reported having any health insurance at all.
- Gender discrimination in health care manifests primarily as the amount of money one pays for insurance premiums—the amount paid per month in order to be covered by insurance.
- This is largely due to regulations of private insurance companies.
- Fewer than ten state governments prohibit gender discrimination in insurance premiums.
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- This distinguishes it from other forms of private medical insurance.
- In the private model, the rights of access are subject to contractual obligations between an insurer and an insurance company.
- Publicly funded healthcare systems are usually financed in one of two ways: through taxation or via compulsory national health insurance.
- In compulsory insurance models, healthcare is financed from some combination of employees' salary deductions, employers' contributions, and possibly additional state funds.
- However, introducing improved incentives through a more competitive environment among providers and insurers has proved difficult.
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- Lack of insurance coverage.
- Without health insurance, patients are more likely to postpone medical care, more likely to go without needed medical care, and more likely to go without prescription medicines.
- Minority groups in the United States lack insurance coverage at higher rates than members of dominant groups.
- In addition more private practices are putting limits on the number of medicaid and medicare patients that they will accept because these programs reimburse at a much lower percentage than private insurers.
- The differential and unequal treatment of the rich and poor follows the gap between the rich and the poor: From 1966 to 1980, socioeconomic disparities declined in tandem with a decline in mortality rates, but the disparity has since increased as income stratification has, and as our healthcare model has become mostly private, for profit, and insurance based.
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- The dominance of foreigner investors in even the industries that supply the most basic needs, such as water, are a result of policies of privatization, a key element of neoliberal and Washington Consensus economic "reforms. " And the International Monetary Fund continues to push its privatization drive demanding that Cape Verde privatize its few remaining public enterprises, including the national airlines, the national oil supply company, the national transportation company, and others.
- Both the country's private sector business class and low-income households have been greatly impacted, experiencing job loss and price hikes.
- On one island, the increased cost of privatized energy has forced people who cannot afford the electricity to return to traditional oil lamps.
- For many, the high cost of insurance prevents Americans from having good medical care.
- Approximately 45.7 million people in the United States were without health insurance coverage in 2007.
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- In the United States people within the upper and middle class have access to private and full healthcare coverage whereas, for the most part, most of the Americans have no healthcare.
- According to the US Census Bureau, in 2007, 45.7 million people in the U.S. (15.3% of the population) were without health insurance for at least part of the year.
- This number was down slightly from the previous year, with nearly 3 million more people receiving government coverage and a slightly lower percentage covered under private plans than the year previous.
- Just like how we see private property, or the right to pass that property onto our children as natural, many of members in capitalistic societies see the rich as having earned their wealth through hard work and education, while seeing the poor as lacking in skill and initiative.
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- Certain infrastructure changes encouraged families to leave urban areas for suburban ones, primarily the development of the Interstate Highway System and insurance policies favoring suburban areas.
- This means that insurance companies would refuse to grant mortgage loans to families seeking housing in urban areas and would instead offer lower rates in suburban areas; combined with the federal loans for single-family suburban homes, one sees a joint enterprise between both public and private entities to encourage suburbanization.
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- For many employees who do not have health insurance benefits through their job, the cost of insurance can be prohibitive.
- Without insurance, or with inadequate insurance, the cost of healthcare can be extremely high.
- Consequently, many uninsured or poorly insured individuals do not have access to preventative care or quality treatment.
- The largest group of insured Americans consists of middle and upper class employees who receive health insurance through employers.
- As of 2007, 16% of the population had no health insurance coverage and, thus, had greatly limited access to healthcare.