It is during former U.S president Bill Clinton’s reign that the Universal Health Care system gained in popularity. Even though this plan is thought to be a large failure, the fact remains that the universal health care ball was rolled, a move that made many Americans think about having a united health care plan for all. Since this plan was proposed, the debate on a united health care system has continued to form part of election topics and debates as a proposed solution to the US health care crisis. Statistics indicate that 41-50 million people living in the United States are without a basic health insurance plan.
The universal health insurance system has actually been a success in some First World countries, giving families advanced medical care. But what exactly is this universal health insurance system? A universal insurance of single payer insurance is one that all medical expenses are paid for, and facilitated by a single source using money collected from citizens through such things as levies and taxes. Note that the federal government can be the sole health care provider or better still, subcontract an independent corporate entity to do the same.
A very widespread misconception about the universal health care system is that it is a collective, more of a socialist type. However, the only difference in this concept is that the federal government owns and solely manages all profits and loses form the health system. Basically, in a socialist environment, it means the government has its hand in every detail of the system, starting right from service delivery to payment collections. On the other hand, universal insurance is simply a mechanism in which health care is delivered efficiently with no fuss.
Note that with the universal health care system, it doesn’t mean you have to go to designated hospitals or visit designated doctors. No, you can visit your favorite physician, or go to a hospital that knows your medical history. The only difference is that you won’t have to worry about unpaid bills, prescription drugs inclusive. Once you are done with your visit, your service provider will pay your doctor the fee for each visit or alternatively get a hefty monthly check from public money.
There are sad stories of people being turned down because of failure to raise money for medical procedure or surgery. But under the current health care system of deductibles and co-pays which prevent people from visiting a doctor or hospital unless when it is really necessary, it carries a significant amount of danger of exacerbating one’s health condition, where one can only visit a hospital for the smallest thing just to avoid it from happening.
But, under the single payer universal health care system, you wouldn’t have to worry about anything when it comes to money, whether you are unemployed, bankrupt, or poor. Insurance coverage for the Universal Health Care System cuts across all classes and sectors meaning unpaid hospital bulls will be history. Perhaps you are thinking, this universal health care system is just a dream, but it has been successful in Canada, Australia, Denmark, Sweden, Finland among many others.