In June of 2018, a 45-year-old woman faced a road accident in a railway station in the city of Boston. While leaving the train, his legs are stuck in the middle of the train and the platform. It causes severe lesions on his legs and bone comes out. During this time, he was crying loudly. But that was not the only tears in his foot, it was not. Locals tried to rescue him and take the ambulance to take him to the hospital . But then they stopped them. Said that the ambulance costs much, which he can not afford.
In the midst of fierce pain, this desire is viral through social interaction. The question arose over the expenditure on medical treatment. The New York Times publishes an editorial about the incident. In government hospitals in Bangladesh, where only 25 rupees can be used for laparoscopic surgery, even after being so developed in the country, their medical expenditure is astonishing as it is astonishing. The only thing that Americans can not afford is the evidence of the above. If you know why is so expensive, then let's know.
Health insurance
The US medical system is different and complex than other countries. There the health sector is seen as a multi-billion dollar business than human welfare. And this business is from their various health insurance. Insurance companies work to reduce medical costs. Currently there are three types of healthcare in the United States. These are: Medical Insurance, Private Seed Treatment and a few Voluntary Organizations. Government insurance is mainly based on Medicare and Medicaid.
Prior to Medicare and Medicaid, there was no health insurance system in the United States. Then Blue Cross and Blue Shield would provide insurance for the treatment. But they were nonprofit organizations. They did not work to reduce medical expenses. They only provided financial assistance in emergency situations. After World War II, employers of American employers would be able to provide insurance for their treatment. Then the amount of insurance taking increased. From 1940 to 1955, 10% to 60% of American people came under health insurance.
This huge demand for health insurance makes it a business opportunity. So then commercial companies came to the insurance business. In 1951, 'Atna & Siguna' was the largest insurance company. In 1965, President Johnson announced Medicare and Medicaid - two health insurance companies. Medicare works with patients aged 65 or over. On the other hand Medicaid works with poor patients. The rest have to take treatment in private insurance.
At present, 90 percent of Americans are taking treatment for health insurance. If someone does not have insurance, it is never possible to meet medical expenses if he is not a very rich person. Because, those who have insurance, they also have to face the medical expenses. The type of insurance work is also very complex. Let's know briefly how they work.
There are several parts in any insurance . These are Premium, Deductible, CoPhant and Correspondence.
Premium
In private insurance, you have to pay a fixed amount of money each month. Insurance is a different plan. There is more premium in some, less in some. Some services are available for free due to premium payment. For example - immunization, diabetes checkup, breast screening etc.
Didactible
Deductible is a fixed amount, which you have to submit before getting help from insurance. For example, because of the disruption of your legs, your surgery needs your surgery. Now you need to pay some part of the amount you need now to the insurance company. After you give insurance company some part of the remaining money. The insurance company has given you before you spend for it, it is a deductible.
Deductible is usually different numbers. One of these is to choose. Generally a certain amount of money is given as deductible every year. There is a premium relationship with the deductible again. If the amount of premium is less then the deductible is less, if the deductible is less then the premium is high. Usually those who have long-term diseases such as diabetes; They spend more on premiums. Then their deodactible is low.
Conscience
After financing the deductible, the remaining part will cover the insurance. But they will not be alone. From here you will also take something from you. After giving a deductible, you will have to pay a few percent of the cost of your treatment. This is the conscience.
Copeland
After giving deductible money, the conscience can take. Again in some cases the percentage can take a certain amount of money without calculating. It is called coepant. Usually visits to the doctor are taken into the coffin.
So it is very clear that health insurance is a very complex process. Even after insurance, the amount of money to spend is also much more. After a big treatment, the list of long bills came from the hospital to the patient. And this bill has become a nightmare for many people.
The reason for the medical service being expensive
In March 2012, the Journal of the American Medical Association published a paper . The Harvard compared the treatment of ten advanced countries with the United States on the basis of international data on the international data of the WHC School of Public Health, The Harvard Global Health Institute and the London School of Economics 2013-16. It is found that compared to other countries, the cost of medical treatment in the US is much higher, treatment results are worse than others, and compared to those of less than the amount of treatment for US people. Research has found some reasons for expensive treatment.
The study found that, in the administrative costs of hospitals in the United States, 8% of the total expenditure of the medical sector is spent. In other countries, which is not more than 1-3%. The reasons for administrative expense are different insurance arrangements. Apart from Medicare, Medicaid, there are different types of insurance for different types of insurance. So the hospital has to do the job of making patients' bills differently. In this, doctors or hospitals are seen to give more time than administrative treatment.
The reason for excessive cost of medicines is also higher than medical expenses. Per capita cost of pharmaceuticals in America is US $ 1,443 The average per capita expenditure of other countries is 749 US Dollars. Switzerland costs 939 US dollars in the closest. Besides, surgical and diagnostic tests are also costly compared to other countries.
In the US, for the heart surgery of heart bypass in 2013, the average cost was 75,345 US dollars . On the other hand, these costs were 15,742 and 36,509 US dollars in Netherlands and Switzerland respectively. US $ 1,145 to MRI, $ 350 in Australia. These are the reasons for high value in these sectors that they are used for research and improvement. But the researchers are not pleased to find this explanation.
In addition, doctors give more diagnosis tests than they need. Many doctors know that the disease is known to give it. Because they always have the pressure to go to the patients case. So you can present written information to the court, so do it. This increases the cost of patients.
Another reason for the cost of medical expenses, more salaries for doctors and nurses. In the year 2016, the average income of a General Physician was $ 2,18,173. Compared with other countries, the pay of American doctors is almost double. Sweden and Germany's doctors earn $ 86,407 and $ 1,54,126 respectively.
American citizens are less likely to treat them because of these reasons. Although admitted to hospital, trying to come as quickly as possible. Because spending a lot of hospital stay in the hospital.
Last word
Let's finish the woman in Boston. If ambulance patients are taken in Boston City, the cost of Bangladeshi money will cost millions. So preventing her to call ambulance was not unreasonable. They have to calculate a lot in every such health sector.
Medical treatment in America is much improved and their doctors are also very qualified. But a great burden for the general American people to treat themselves. In other countries where there are integrated medical procedures, the diversity of health insurance in America has complicated the medical system. Though it was tried to integrate it at different times, it was not in opposition to insurance companies. Experts are working on how this expenditure can be brought to the general public's ability. But it can not be changed quickly, it can be said to close the eyes.