solved Post A) I interviewed my good friend and prior colleague

Post A) I interviewed my good friend and prior colleague in the United States Army, Corey, who has TRICARE Prime since he is currently Active Duty and station stateside. I also interviewed my wife’s work colleague, Krystal, who has United Healthcare PPO plan. Both are great plans and have their ups and downs in the healthcare field and the payment aspects. Corey has used his health care for treatment in sleep amenia, general sickness and primary care visits, and help with tobacco quit aids. Corey has used his family plan for the pregnancy and birth of 2 children, and his wife and kid’s checkups. Krystal has used her United Healthcare plan for a pregnancy and birth of 1 child, bloodwork, vaccines, and annual visits. Whenever Corey needs a healthcare visit, he schedules one on base though a health portal and meets with a specialist at the health center, let that be vision, dental, hearing, or primary care. Through that he gets a referral and appointment set for more screening like a sleep study, therapist, or field specialist. There is no cost to Corey, and he is able to access all his health records under one health portal to see all updates and exchanges between doctors. His family is covered under the same plan. If he is off base or on vacation, he is able to access the emergency room at no cost for seeking the healthcare he seeks. Tricare is like a PPO as they would like a government agency to be seen first. Krystal needs to stay in network to keep her costs down. She can look online at the United Healthcare portal to find providers covered under her insurance. She then needs to schedule and appointment and pay the copay before or after. She has a monthly premium that is automatically taken from her paycheck weekly. Her employer covers her insurance premium and has to pay out f pocket for her family of 2. Her records are needed to be transferred from provider to provider in order to maintain an up-to-date health record. The cost structure is difficulty to revamp in order to meet the needs of everyone. A medical bill is expensive and even with insurance can bankrupt you. An increase in premium can lower or eliminate a co pay for procedures and appointments needed for healthcare. In order to offset the pain, health insurance can be covered by the government like countries like Canada and rely solely of federal funding. There is backlash to that, with provider salaries capped and appointments difficult to come by with severity ranking and age contributing to the availability.References:Cutler, D. M. (2005, April 6). The anatomy of health insurance. Handbook of Health Economics. Retrieved September 14, 2021, from https://www.sciencedirect.com/science/article/abs/pii/S1574006400801705. Post B) The first person I spoke to, Person A, has a BCBS PPO insurance policy through their place of work that they are automatically enrolled in. This person does not have dental or vision included in their insurance, and their deductible for health insurance is quite high. However, with the policy being PPO, they have the freedom to go to any PPO provider they want — someone with an HMO policy is not able to do. Person A’s copayments are affordable but due to the high deductible, they do not go to their doctor as much as they should in fear they may have a large copay for something unexpected. Person B has insurance through Medicare and has an HMO policy. This person, being elderly, has to go to the doctor quite frequently, but having an HMO policy can make it difficult to go to providers they want — or just flat-out impossible. While their copayments are low, the HMO model has caused them some difficulty finding providers in a timely manner. A lot of times the wait lists are 3-4 months long so getting proper care can be very challenging. However, the bonus of having a Medicare plan is that this person does not pay much at all, which is worth it since they are also retired and live off their social security income. Dental and vision are not included, either, so this person has to pay out of pocket for those services.The US is very unique in its healthcare system. Many countries globally have a drastically different healthcare system that provides services to its citizens for either very low cost or none at all. The idea of universal healthcare has long been debated in US politics for decades now, as many people believe that healthcare is a right and therefore not something someone should not receive because they cannot afford it. A popular model that other countries use and see success with is the Beveridge Model; this is used by the UK, New Zealand, the VA system in the US, Cuba, Spain, and Hong Kong (Vera Whole Health, 2020). I believe insurance should be government regulated and not reliant on someone being employed, and I think the US would benefit extraordinarily from the Beveridge Model.ReferenceVera Whole Health. (2020, September 10). Global healthcare: 4 major national models and how they work. https://www.verawholehealth.com/blog/global-healthcare-4-major-national-models-and-how-they-work