Single-payer health care is a type of universal health care that covers the cost of essential healthcare for the residents. The cost is covered by a single public system. The system may contract for healthcare services from private organizations or may own and employ healthcare resources and personnel.
It operates under a single system where all the residents in the United States would be covered for all medically cover services. The services would include doctor, hospital, preventive, long-term care, mental health, reproductive health care, dental, vision, prescription drugs, and medically supply costs.
Pros of Single Payer Health Care
- Equitable distribution of healthcare cost
As people have different incomes whereby some can manage to pay for their health care services and some may not. The cost is equally distributed in that each and everyone is able to benefit from the services.
- No surprise billing
As the federal government is the one that takes care of the costs, there are no surprise billings that are made and put on the patient to be paid.
- No provider networks
There are no issues of the insurance companies compensating the insured on the cover they took only. The federal government deals with all emergency cases without necessarily looking into the cover that was taken.
- It reduces the administrative costs
As everyone is covered under one body, this reduces the cost of hiring administrators to do the filling and addressing claim denials hence the government can save the money and use it in other fields of economy.
- Easy system for consumers
The insured is able to go to one place when they are in need of the claims and this lessens the burden of ensuring in different companies.
- Access to care
The insured is able to access the healthcare services from anywhere without necessarily going into their pockets hence it becomes easier for them to get treatment.
- Affordability at point of services
Everyone can access the healthcare services as the cost is spread to all taxpayers hence providing the services to all members of the public.
- It is equal
All US members will be offered the same healthcare services and this makes people be treated equally regardless of the socioeconomic levels.
- Universal coverage
All members of the public would be insured when seeking healthcare services. People will not need to change the coverage when their jobs are over. They will continue receiving the services.
- Wider choice of doctors
People will not need to change doctors from time to time as they will be able to receive the same services everywhere. When the members of the public lose their jobs, they will not have to move to a less costly insurance plan.
- Problems would be treated at earlier stages
It will be possible for problems to be dealt with at earlier stages hence the government will not spend more on the diseases as it will be able to curb the issues of diseases at an early stage.
Cons of Single Payer Health Care
- Those with high income will pay for better services
The members of the public who earn highly would like to be treated differently and this would make them pay for better services hence the plan will only benefit those who cannot pay more.
- Costly for the government
The cost will be high for the government to provide health care services to the members of the public and this will make the government strain its income.
- Limited choices to the insurer and other benefits
People will be disadvantaged when they are not satisfied with the services as there are no private plans for them to opt for.
- Under the management of care in public insurance programs
The management will be poor in public insurance programs and addressing the issue may become a challenge to the government as compared to the private sectors.
- It may make people not to be careful about their health
As people will be quite sure that in case of anything they will be attended to, then they will not be careful about their health knowing that they will not have to get money out of their pockets to pay for the medical expenses.
- It does not solve the doctor shortage problem
There will be a shortage of doctors and this may make the service s being offered to the patients to be poor hence not dealing with the ailments well.
- Long wait time to receive specialized services
The patients will be required to wait for long for them to receive specialized services which grow to a very serious problem in the course of waiting as there will be many people to be attended to at once.
- It can limit new technologies
There is a possibility that the innovation of new technology will be limited hence new diseases will not be able to be cured.
- It may limit the accuracy of patients’ care
The doctors may not deal with the patient accurately as they will have a lot of workloads hence the diseases may not be treated well.
- It limits the amount received by the doctors
The doctors will be paid little amount of money and this may make them not work well as they will feel being exploited by the government hence there will be a lot of death cases due to the ignorance of the doctors.
The single-payer health care services are mostly found in developed countries and it was created in order to treat everyone equally and reduce the mortality rate due to the affordability cost of the services. It was aimed at offering the same services to everyone regardless of the socioeconomic class although with the growing population it has become a challenge.