Money - yet a success guarantee. On the contrary, superfluous commercialization can harm to medical branch, the American experts are assured.
Experts notice that the average indicator of expenses on public health services hides a real inequality of different layers of the population of the USA concerning their possibility to use medical aid. Ministry of Health of the United States certifies that people with low level of incomes die before rich men.
The basic figure in medical branch of America - the doctor who has obtained the license for a private practice. All is constructed round it. Often doctor, in effect, is the small company - it can have a office, diagnostic equipment, some premises for survey of patients, the registration and financial personnel.
The American patients are accustomed to have legal proceedings with doctors and often win claims. Possibility of such incidents also is put in cost of medical services.
The hospital is already big medical institution which has expensive equipment and a hospital. Almost all hospitals in the USA receive grants from the state budget. The hospital can have certain quantity of regular doctors, besides, also private doctors there work. If the private doctor-expert sees that its patient needs hospitalization, he reserves a place in hospital, operational, services of some doctors and so forth.
In modern America set of versions of medical insurances. To understand to the ordinary American them it is uneasy. In the American press it is often possible to hear thought that a similar disorder only on advantage to the insurance companies - the less their users have information, the defend the rights less.
The most popular systems of insurance in the USA are so-called PPO and HMO.
The insurance extends on all family, instead of on its one member. However the size of monthly payments depends on quantity of members of a family. Physicians should adhere to the price-list for the services, fill papers, etc. Often doctors take part at once in several tens insurance programs - to involve more patients. Hospitals, drugstores and laboratories can be participants of networks of the insurance companies also.
It is necessary to consider that any insurance in America doesn't defray all expenses. All the same it is necessary to pay from own pocket. For example, for each visit to the doctor it is necessary to state defined, though also small, the sum. Generally condanguinity it is necessary to pay the certain period of stay in hospital. The most part of expenses on treatment is covered nevertheless with the insurance company. The sums astronomical - about 900 dollars for the first day of stay in hospital, on 400 - for everyone following. The majority of Americans for the second-third day even after operative measures try to get home.
Patients select to themselves the doctor from the list which is given at entering in an insurance network.
If there was a requirement for medical aid outside of staff - on business trip or on rest, - the insurance company won't pay cent. It is necessary or to be insured separately for such a case, or to pay from own pocket. Other forms of the insurance can have more than severe constraints. For example, to limit payments for a year to the certain sum. Any more won't give, though die. Certainly, the more expensive insurance, the is more than services it provides. Cheap, generally, have very small choice of doctors which are overloaded and refuse to take new patients.
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