Health Insurance Programs in the US

The Centers for Medicare and Medicaid Services (CMS) has designed and executed many Health Insurance Programs across the United States of America (US), one of the very best of which has been the CHIP – Children’s Health Insurance Program. With the assistance of both Medicaid and separate CHIP programs, it covers health insurance for eligible children. It has had an enormous impact: As of 2014, the program covers health care costs for more than forty-three million children across the US. To put this into context, that is half of all the low-income children in the country. The program accounts for a set of health care services that are known as“Early, Periodic Screening, Diagnosis and Treatment (EPSDT).

This program is of great use and significance for professional health insurance specialists, as a vital aspect of their job description is to examine as well as verify claims of eligibility by insurance applicants. The healthcare insurance specialists themselves occupy a very prominent role in making this program successful by making sure that the deserving children get their due healthcare benefits without facing any problems.

Universal Health Insurance with a single-payer system is an adequate plan for the US. There can be several advantages of making use of this system, which may include helping employees in avoiding job-lock and lessening overall healthcare costs in terms of administrative costs, pharmaceuticals, and medical procedures. It would also bring a bit of equality to the shares of businesses that are involved in healthcare costs by protecting businesses that provide health insurance from penalization, lessening inequity among small businesses in terms of healthcare costs borne, and reducing the overall healthcare costs taken care of by businesses. Currently, the legislation that provides coverage for health care in America is the Patient Protection and Affordable Care Act (2010). It does not mandate Universal Healthcare for the US citizens. Healthcare, in any case, should not be considered as a privilege, but rather a right of the citizens of any country. People anywhere in the world should not have to pay large amounts of money to get what is part of their basic human rights.

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