美国essay写作-美国的医疗保险体系

1、essay写作网（）-专业留学生作业辅导中心美国essay写作-美国的医疗保险体系In the United States, the medical security is mainly realized through most private medical insurance and a small number of government medical plans. It is a kind of insurance that aims to provide compensation for peoples response to physical injury, disability or accidental death or other accidental factors, or expenses caused by diseases. Therefore, the medical insurance system is composed of a variety of non-government private medical insurance programs

2、, governments medical care and subsidy programs for special groups. Its private or commercial health insurance industry and government or public health insurance industry serve different populations and provide a wide range of assistance and programs. Private health insurance includes plans for paid services, plans for managing paid services, health maintenance organizations, preferred provider organizations, and service point plans. The governments major health insurance programs include medica

3、id and medicare, including medicare for the elderly, medicaid for low-income people, medicare for veterans, and medicare for special patients.在美国，医疗保障主要是通过大部分的私人医疗保险和少量的政府医疗计划来实现的。它是一种保险，旨在为人们应对身体伤害、残疾或意外死亡或其他意外因素或疾病引起的费用提供补偿。因此，医疗保险制度是由多种形式的民间医疗保险、政府医疗保障和特殊群体补贴计划组成的。它的私人或商业健康保险行业和政府或公共健康保险行业服务于不同的人群，并提供广泛的援助和项目。私人健康保险包括付费服务计划、管理付费服务计划、健康维护组织、首选提供者组织和服务点计划。政府的主要医疗保险项目包括医疗补助和医疗保险，包括老年人医疗保险、低收入人群医疗补助、退伍军人医疗保险和特殊病人医疗保险。The modern American public and private health insurance system began in the earl

4、y 20th century. The private health insurance industry in the United States, as we know it today, began in 1929 with the baylor hospital providing an advance payment for 1,200 teachers. This plan became known as the blue cross insurance plan. The number and popularity of private health insurance programs grew during world war ii. During world war ii, most wages were frozen as part of the war effort. Private companies, unable to offer higher salaries, are turning to health benefits to attract pote

5、ntial employees. By 1943, the blue cross health insurance program offered 43 services. The tax foundation for our current employer-sponsored health insurance system, employer and general benefit plans, was established in 1913 when the U.S. congress passed the 16th amendment to legalize the individual and corporate income tax. These companies, which dont tax high-paying benefits, are starting to cut the cost of those benefits by deducting taxes from their corporate income taxes. For now, employer

6、s are still balancing the health insurance they pay for their employees with the tax exemptions provided by the irs.现代美国的公共和私人医疗保险制度始于20世纪初。我们今天所知道的美国私人健康保险行业始于1929年，当时贝勒医院为1200名教师提供了预付款。这个计划被称为蓝十字保险计划。第二次世界大战期间，私人健康保险项目的数量和受欢迎程度有所增长。在第二次世界大战期间，作为战争努力的一部分，大部分工资被冻结。无法提供更高薪水的私营企业，正转向医疗福利来吸引潜在的雇员。到1943年，蓝十字健康保险计划提供了43项服务。我们目前雇主资助的健康保险系统，雇主和一般福利计划的税收基础，是在1913年建立的，当时美国国会通过了第16修正案，使个人和公司所得税合法化。这些不向高收入福利征税的公司开始通过从企业所得税中扣除税款来降低福利成本。目前，雇主们仍在平衡为员工支付的医疗保险和国税局提供的免税优惠。At the same time, the federally mandated

7、 parametric health benefit program for commercial health insurance is implemented under the comprehensive budget coordination act and other federal laws. Employee health plans, along with many other benefits, evolved from the employee retirement income protection act of 1974, which established minimum standards to provide individuals with the protection of these plans through the most advanced private voluntary industry plans. Employee health benefits programs typically include COBRA benefits su

8、ch as primary care, hospitalization insurance, mental health assistance, newborn and birth assistance, and cancer assistance for a limited period of time after losing a job. In some cases, federal regulations dictate what kind of benefit plans the company offers to its employees.The federal and state governments provide health insurance for the elderly, the unemployed and the disabled. The governments health insurance program is a form of social insurance, which refers to any insurance program o

9、r government authorization to provide financial assistance to the unemployed, the elderly, or the disabled. Examples of social security programs include social security, disability insurance, survivor insurance, unemployment insurance, and medicare for people 65 and older. In 2005, social security programs accounted for 37 percent of federal spending. There is a significant difference between social insurance programs and welfare programs. For example, participation in social security programmes is usually mandatory or is the result of substantial financial subsidies. Social security is not an intentional form of income redistribution.According to health economists, modern medicare is in crisis. On the basis of the employment relationship of insurance and government are working to provide cost-effective services to the general public, the characteristics of the type of employment insurance is high administrative cost, cost sharing, unfair fai

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