Universal health care is a notion that suggests that everyone deserves the right to seek help without any fear of cost when a medical situation occurs. It offers you coverage through taxpayer funding and other monetary allocations to gain help for annual checkups, vaccinations, and preexisting conditions.
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Why Do They Not Provide Health Care Access?
However, in the developed world, the United States is the only country that does not provide a complete universal health care system. Some people are eligible for the Medicare system because of their age, household income, and even because of their circumstances. When you reach a specific age, then we can tap into Medicare coverage.
While on the other hand, everyone else is forced to look out for insurance or through exchanges set up by the federal government through the Affordable Care Act.
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Cost is one of the primary reasons to consider universal health care, but there are quality concerns to look after associated with this issue. So, it is true that providing health care access comes at a great expense.
Therefore families bear the burden of this expense either through taxation or private payments.
In this article, we are going to enlist the pros and cons of universal health care.
Pros of Universal Health Care:
Universal health care has many advantages:
The United States health care targets wealthy people. This universal health care system offers more services that are expensive, and people need to pay more money to doctors.
The ultimate goal of any business is to generate profit, and In this way, if health care is put on for-profit business, then patient care gives more attention to people who can pay and less to those who can’t.
When children can get care, they need good health. It creates foundations for the future success of children. Children who have access to health education and care resources have fewer chances to get involved in crimes. It also helps them to take advantage of welfare programs or deal with chronic health issues as an adult.
Reduces the Costs of Health Care for the Economy:
The system of universal health care is in place, and the government can negotiate better pricing structures. Because the services and meditation tend to be lower, so it lowers the cost of care.
As doctors and pharmaceuticals agencies receive less compensation per item, therefore the portion of GDP goes down significantly.
Simplifies the Process of Rules:
In the United States, an insurance company first approves the services before they are given to a patient. For example, if a doctor thinks that an MRI test is needed to diagnose the issue, then it is mandatory that the insurance company first approve the service by itself.
While if MRI is given without their consent, then they will easily pose the cost of the service on the patient even if service is covered under the insurance policy.
Creates a Healthier Workforce:
In the US, about 46 per cent of the patients went to the emergency room for medical services because this was the only place where they could easily afford to go before the Affordable Care Act was implemented.
This is because the emergency room is obligated by law to serve all the patients whether they can afford it or not. Universal health care emphasizes preventative care. When people become proactive about their health, the need for emergency interventions decreases.
Reduces the Administrative Costs for Access to Health Care:
Within a private pay system, health insurers have administrative costs that are required for patients of care access. Medical administrators also have higher administrative costs.
However, when a universal system of healthcare is in place, requirements of administration become simplified. So, in the end, instead of dealing with multiple agencies, there is only one agency to the bill.
Cons of Universal Health Care:
It’s time to discuss some cons of universal health care:
Have Long Wait Times:
In a universal health care system, the wait times for elective procedures can be extremely long. Even some of the elective procedures require 8-12 months of waiting before they can be properly scheduled.
In Canada, the wait time for a patient to meet specialist can be around 40 weeks to see someone for medical concern. One of the biggest goals of a universal health care system is to provide basic and emergency care only.
Stop People Caring about Health:
Within a system of universal health care, the general population may not treat their health well as it is recommended. Also, no financial incentive is available to stay healthy in such a system.
That means people would like to schedule an appointment for any reason, or they don’t take care of themselves as they probably should.
Limit New Technologies:
Because the trend has now settled down to keep the prices down, innovation can fall behind in a universal system of health care as compared to the free market system.
The main reason is that there is less funding available to research new technologies. With time, lacking funding in research and development would cost you more lives than those being saved by universal care.
Requires Significant Budgeting Skills:
In Canada, the cost of health care can be around 40 per cent of the annual government budget. Without having strong management skills, the high costs associated with providing universal care may overrun the budget, which reduces the availability of services in other areas.
If health care costs exceed the expected ones, it often puts the infrastructure and education funding at risk.
Offer Multiple Systems of Coverage:
Most of the countries try hard to bring competition in the field of medicine, so they introduce various structures to get complement their universal health care system. There may be private insurance models, pre-pay options, or expanded opportunities available.
If families are paying a significant part of their money on basic health and universal care, then pay a private insurer for specialists. People may find themselves paying more for their health care than in standard free-market setup.
The pros and cons of universal health care don’t suggest that this system is easy to implement or navigate. That’s why 56 per cent of doctors in the United States prefer to support government based care at some levels.