Medical Care Debate v02

Medical Care Debate : 

Medical Care Debate The Walker School Brian Surkan Civics 8

What Do We Need to Understand? : 

What Do We Need to Understand? Medical Care v. Health Care Medical Insurance Options How Insurance Works How Current System Works Current Coverage Obama’s Proposal

Health Care v. Medical Care : 

Health Care v. Medical Care Health Care Everything contributing to health (not just doctors) Diet Cleanliness Rest Exercise Balanced lifestyle Stress management Medical Care Medical Care All treatment by medical professionals Doctors / Nurses Prescription Medicines Over the Counter Medicine Hospitals Medical devices Crutches Pacemakers / Insulin pumps Band aids

Group Project: Insurance 101 : 

Group Project: Insurance 101 Considerations Risks: Predictable Risks? Unpredictable Risks? Potential Costs: Average? Worst Case? Insurance Types Car Insurance Life Insurance Fire Insurance Flood Insurance Earthquake Insurance Unemployment Insurance

How Insurance Works : 

How Insurance Works Pool of people pay a monthly premium Based on historic risks of payout (actuarials) Restrictions Must declare pre-existing conditions Abuse discouraged by co-pays / deductibles Liability limited by annual / lifetime payout caps Premiums rise if group use rises above actuarials Results Major incidents covered without high cost to person Unknown risk is distributed across a large pool Known risks results in higher individual premiums

Private Insurance Options : 

Private Insurance Options No Insurance Cash for medical services High deductable Insurance Insurance only for catastrophic incidents Comprehensive Coverage Most medical services covered with co-pay

Public Insurance Options : 

Public Insurance Options Regulated Government enforces restrictions on private insurance policies Mixed (public / private) Government offers insurance to some citizens Single Payer Government is the only insurance provider

Medical Insurance in US Today : 

Medical Insurance in US Today Heavily regulated private insurance Not allowed to compete between states Mandatory coverage for some services Tax rebates offered to employers who offer it Government also provides insurance Medicare: ages 65+ Medicaid: poor Veterans Hospitals: veterans Government officials: generous special plan Considerably under-funded (spend more than receive)

US 2008 Insurance Distribution : 

US 2008 Insurance Distribution

Obama’s Plan – Part I : 

Obama’s Plan – Part I New regulations on Private Insurance No exclusions for pre-existing conditions No annual / lifetime payout caps Insured cannot be dropped Upper limit on co-pays / deductibles Required coverage: Check-ups / Preventative Care

Obama’s Plan – Part II : 

Obama’s Plan – Part II Insurance Exchange Government force private group policies All insurance will be less expensive Tax credits for those who cannot afford it Low-cost coverage for all rejected by private Will be free to those who can’t afford it Medical insurance required for all Just like auto insurance

Riddle: Predicted Outcomes? : 

Riddle: Predicted Outcomes? Can you predict what will happen?