Medical prices in the US: why it's so expensive and how to save money

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The United States has an extensive system of health insurance. Different types of insurance provide different levels of access to medical services. Certain categories of citizens are eligible for free care based on status and income.

Federal assistance programs

< there are federal programs such as:

• Medicare (Medicare): A federal health care program for citizens over age 65 and some younger individuals with limited financial resources;

• Medicaid (Medicaid): provides physician services for low-income individuals, including children, pregnant women, the disabled, and other vulnerable''groups;

• CHIP (Children'\''s Health Insurance Program): an insurance program for children from low-income families who do not qualify for Medicaid;

• Affordable Care Act (ACA): Provides subsidies for health insurance for middle-class citizens and creates standards for insurance plans;

• TRICARE: A program for military personnel, veterans, and their families that provides a wide range of physician services.

These federal programs are designed to ensure access to health care for diverse populations in the United States.

The health care payment system

The health care payment system in the United States is complex and''tiered. It is based on an insurance model where patients or their employers pay the premiums. Physicians and health care providers interact with different insurance companies to set prices for medical services in the United States. This fragmentation creates difficulties in standardizing and controlling the cost of treatment services. Factors such as administrative complexity and physician technology costs also contribute to high costs. As a result, the system faces criticism due to uneven access and the high cost of health care services for a large portion of the population.

The advantages and disadvantages of the payment model

The U.S. health care payment model has its pros, such as high levels of''countries have been able to strike a balance between quality of care and accessibility for all segments of the population.

The features of medical systems

The features of systems such as those in the US and Ukraine are reflected in their financing, organization and accessibility. In the US, the private insurance system is dominant, which creates a high level of physician service but leaves some of the population without access due to cost. In Ukraine, where the state system dominates, low budgets lead to limited access and inadequate equipment.