Differences In Access To Healthcare Essay

There are many differences in access to healthcare for different demographics. For example, many of those differences are based on age, occupation status, pre-existing conditions, military statuses, income, and an individual’s health status or any health issues that they are faced with. Some healthcare is even determined on the types of medication that an individual or groups of individuals may need on a month to month basis. All of these factors play a role and determine the type of healthcare that an individual may have or they may not qualify for. I am currently employed as a health insurance broker and have much experience in healthcare that is offered today. My main markets that I am affiliated with are the individual health insurance market and employer provided health insurance.

Medicare is a prime example of health coverage that …show more content…
This means that employees that are employed with an employer who offer healthcare benefits to their employees have access to non-governmental health insurance. Employer sponsored coverage allows individuals who work for that employer to purchase healthcare which is deducted from their payroll. In most cases, an employer will contribute to their healthcare expenses, leaving the employee paying less for their healthcare than someone who pays through the individual health insurance market. There are also Cobra benefits offered to employees who have been terminated and can remain on the coverage for eighteen months but are responsible for paying the full premium with no employer contribution.

Military healthcare is offered to individuals who have served in the military services. Veterans Administration is healthcare for veterans that meet certain criteria and is managed by the government (Williams & Torrens, 2008). The VA allows veterans to have access to VA hospitals as well as VA services (Williams & Torrens, 2008). The VA will not allow coverage for any dependents of the covered