Financing Hospital Care in the United States

Nursing Roles and Duties

Nurses play an important part in any hospital. You can’t imagine a hospital or a hospice care without them. They have so many roles that any hospital would find it hard to deal with their patients without them.

They don’t just roam around a hospital and assist those in need of help. Nurses have specific roles to do for their patients. Their duties may have evolved over time, but nurses are no longer mere assistants to doctors and medical specialists. A hospital care is not complete without a nurse.

Care Provider
First of all, nurses provide care to their patients. And that includes attending to their personal needs at times.

Comforter
Nurses are great comforters, too. Their patients need that more than giving a precise medical diagnosis. When a nurse provides comfort to a patient; that will make his patient feel better.

Communicator
Nurses should be able to communicate to their patients as well. If they can talk to them, establish lines of communication, their patients’ time inside a hospital would be worthwhile.

Coach
They can be a teacher, if need be. This happens when explaining difficult terms used with medicine. If a nurse provides coaching to his patient, things inside the hospital would be a whole lot better.

Client Advocate
Nurses should be able to treat their patients as the most important person in the hospital. It is not the hospital who is paying them but their patients. So, providing care and comfort to them should be their main duty.

This is a short list of the many roles nurses do inside a hospital. They may use a combination of these roles, depending on the need of the patient, but nurses are there to give special medical attention to those who are in need of one.

Hospital Jobs

A hospital is a place for patients and doctors. But jobs in a hospital are not limited to just health care. According to forbes.com, hospitals employ more than 5 million people and they are all hardly doctors. America’s general medical and surgical hospitals have one-third jobs that are non-medical.

In a hospital, there are clinical and non-clinical jobs in all levels and types. Clinical hospital jobs are those which provide direct patient care, such as nurse, doctors, or allied personnel. Meanwhile, non-clinical hospital jobs are administrative or management types of roles, from the janitors to the executives.

Some of the clinical hospital jobs include physicians (ER doctors, surgeons, hospitalists), nurses (CRNA, RN, LPN/LVN, CNS, techs (Radiology Tech, Ultrasound Tech, Surgical Tech), therapists (Physical Therapist, Radiation Therapist), medical assistants, pharmacists, medical lab technologists, and dietician.

The examples of non-clinical hospital jobs include case managers (social workers), accountants, human resources and recruiting, executives (CEO, CFO, CIO), information technologists, and administrative assistants.

Working in a hospital might be attractive to you if you enjoy working with people and being around a lot of other people. And if you like a bit of a challenge in the work place every day, you are bound to experience that as an average hospital has hundreds of employees and patients coming in on a daily basis. Also, hospital jobs are relatively secure. If you are looking for a work place where there is more hiring than firing, then you might want to consider working in a hospital.

Of course, there are also downsides to working in a hospital. It is probably not the most progressive place to work as hospital environments do not change much over the years. Other than medical technology, not much changes in the hospital environment. Aside from that, hospital politics is also an issue. And more importantly, you need to keep in mind that many sick people, including those with infectious disease s, come through the door.

Since the 60’s, Medical costs have risen dramatically in the U.S. The greatest increase comes from hospital care. Most hospitals have been granted large wage increase and installed expensive modern equipments. To meet these large expenditures, hospitals raised charges to their services by about 600 percent.

There are three main methods of financing hospital care in the country: (1) private insurance, (2) government funding, and (3) customer payments.

Private Insurance. Approximately 80% of Americans have health insurance of some kind. The employee, employer, and the government pays a certain amount for medical benefits. Private health insurance are offered either by insurance companies, medical service plans, employers, or organizations.

Medical service plans provide service benefits. This service is a direct payment to the physician or hospital for medical care. On the other hand, Health Maintenance Organizations (HMO’s) provide nearly complete health care services for a monthly or annual fee. Despite the complete services provided, patient’s options are limited or are bonded by the HMO’s restrictions. There are also employers who pay for the health care cost for their employees rather than buying insurance.

Government Funding. About 40 percent of all health care cost is paid by the government. Of course, the Federal government pays for the larger portion. Hospitals that receive such funding are those managed by the Public Health Service and the Department of Veterans Affairs.

Medicare is the biggest government funded health care program in the U.S. IT helps senior citizens pay for out patient, nursing and hospital care.

Customer Payments. Most insurance do no pay for cost of medicine, medical appliances, dental , and eyeglasses. Some only cover a portion of the outpatient care. Patients will need to cover part of the cost themselves. Nearly 25% of health care cost is paid by patients.