Based on the “Trends” section of chapter 3 of the textbook (pages 73–77) and the Employer Health Benefits (2017) reading from the The Kaiser Family Foundation and Health Research & Education Trust, discuss the following questions.
Questions
How did the consumer’ out-of-pocket healthcare expenditures change from 2011 to 2014?
In your opinion, what are the primary reasons for these changes?
Consumers’ out-of-pocket healthcare expenditures
|
Out-of-pocket Cost Sharing |
2011 |
2012 |
2013 |
2014 |
|
Annual deductibles |
||||
|
Single Coverage |
$991 |
$1097 |
$1135 |
$1217 |
|
Family Coverage |
$2136 |
$2296 |
$2624 |
$2817 |
|
Average Copayments for in-network office visits |
||||
|
Primary Care |
$22 |
$23 |
$23 |
$24 |
|
Specialty Care |
$32 |
$33 |
$35 |
$36 |
|
Average Copayments for Tiered Drug Benefits |
|
Tier 1 |
$10 |
$10 |
$10 |
$11 |
|
Tier 2 |
$29 |
$29 |
$29 |
$31 |
|
Tier 3 |
$49 |
$51 |
$52 |
$53 |
|
Average Copayments for Inpatient Admissions |
$246 |
$263 |
$278 |
$280 |
|
Average Copayments for Outpatient Surgeries |
$145 |
$127 |
$140 |
$157 |
United States is the wealthiest country in the world,that means it is a highly developed country in the world.One of the fact is hidden regarding the health care in the country,ie,most of the people in the United States are uninsured.But regarding the health care spending it is one of the most health care spending country in the world than any other country.
Out of pocket health care expenditure means the cost of health care is paid out by the individuals by their own savingsThat mens the person individual funds or own cash reserves.
The consumer out of pocket health care expenditures changes from from the year 2011 to 2014.The main reason behind this increased out of pocket is that there is a increased in the health care cost.
There is high and advanced technological development in United States than any other countries.Through the application of these technologies the patient who are approaching to care at hospital get immediate diagnosis of different types of diseases,high advanced care,and offer a best quality care.
To meet the expensive health care needs the individuals has to pay more from their own savings.
Based on the “Trends” section of chapter 3 of the textbook (pages 73–77) and the Employer...
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