Health
How Does the US Health System Work?
Healthcare in the United States is organized in a complex bureaucracy. While in the rest of the world healthcare facilities are owned mostly by governments or by private sector businesses, in the US a large share of hospitals and clinics are owned by private non-profit organizations.
Yet, the United States is the country that has the highest healthcare expenditures in the world. While these expenditures are covered in a large share by public payers as by Federal institutions, or State and local governments, they can also be covered by private insurance and individual payments.
At the same time, unlike most developed nations, the US health system does not provide health care to its entire population. As there is no single nationwide system of health insurance, the United States primarily relies on employers who voluntarily provide health insurance coverage to their employees and dependents.
In addition, the government has programs that tend to cover healthcare expenses for the fragile parts of the society as the elderly, disabled and the poor. These programs differ from one another, and all have a specific kind of people that are subject to.
Getting health insurance in the US is not an easy thing. Someone may think that once you have money everything is easy peasy, but in fact things are a bit more complicated. One must be very careful and look out to pick the right insurance.
Health Insurance in the United States for non-Citizens
The United States government does not provide health insurance for all its people, and health insurance is not obligatory for those living in the US. It is optional, but highly recommended and necessary since health services are very costly, more than in any other country anywhere across the globe.
There are two types of health insurances in the US, private and public. Most people use a combination of both. The US public health insurances are: Medicare, Medicaid, and Children’s Health Insurance Program.
Travel insurance for visitors in USA
Health insurance for international students in USA
Health insurance for dependents of international students.
Health insurance for J-1 visa holders
Health insurance for foreign workers on an H-1B visa
Health insurance for dependents on an H-4 visa holders
Health insurance for Green Card Holders
Health insurance for K1 visa holders
Health insurance in USA for Canadian Expats
The US has the most expensive healthcare in the world. That’s why getting adequate health insurance coverage comes highly recommended.
Medicare
Medicare is a national health insurance program that dates back to 1966. It provides health insurance for US nationals older than 65 years old, but also for younger people with end stage renal disease, ALS, and some other disabilities.
Data shows that in 2018, Medicare provided almost 60 million individuals with healthcare in the US, over 51 million of which were older than 65.
The Medicare program is divided into four parts:
Part A – which covers hospitals, skilled nursing and hospice services.
Part B – covers outpatient services, including some providers’ services while inpatient at a hospital, outpatient hospital charges
Part C – is an alternative called Managed Medicare, which permits patients to select health plans with at least the same service coverage as Part A and B, often the benefits of Part D, and an annual out of pocket spend limit which A and B lack. To sign in this part, one must sign in Part A and B fist.
Part D – covers mostly self-administered prescription drugs.
Medicaid
Medicaid is a federal and state program that helps people with limited income and resources to cover medical costs, while covering benefits normally not covered by Medicare, as nursing home care and personal care services.
It is the largest source of funding for medical and health-related services for people with low income in the United States. Data shows that the US provided health insurance to 71 million people with low income or disabilities, which is 23% of the total of the US’ population.
Children’s Health Insurance Program
Formerly known as the State Children’s Health Insurance Program (SCHIP), this is a program that covers with health insurance children of families with modest income, that are not low enough to qualify for Medicaid.
The lawmaker representing Ibarapa East/Ido Federal Constituency in the House of Representatives, Aderemi Oseni, has pledged to support the breast cancer awareness programme of the ABC Foundation founded by former Oyo First Lady, Dr. Florence Ajimobi.
Oseni, who is Chairman of the House Committee on Federal Roads Maintenance Agency (FERMA), made the commitment on Thursday in Ibadan at the flag-off of Pink Month 2025, an initiative of the foundation.
Contained in a statement by his media aide, Idowu Ayodele, the lawmaker described the campaign as a “lifesaving mission” given the rising burden of breast cancer in Nigeria, with over 28,000 new cases and thousands of deaths reported annually.
The APC chieftain said the free screening of 1,000 women planned by the foundation was timely, stressing that early detection remained the strongest weapon in the fight against cancer.
Hon. Aderemi Oseni exchanging pleasantries with former Oyo State First Lady, Dr. (Mrs.) Florence Ajimobi, at the event.
“Health is life. Only this June, I moved a motion at the National Assembly which led to the Federal Government subsidising dialysis treatment nationwide. Today, dialysis is either free or heavily discounted in federal health facilities,” Oseni said.
He listed his personal interventions to include funding hospital bills of indigent patients, construction of hospitals in Ido and Ibarapa East, establishment of primary health centres, and organisation of medical outreaches. He also disclosed plans to deploy mobile clinics to rural areas.
Commending Mrs. Ajimobi for sustaining her late husband’s legacy through humanitarian service, Oseni assured of partnership with the foundation, saying women’s wellbeing and empowerment remained central to his vision for Oyo State.
In her remarks, Mrs. Ajimobi said the foundation had offered medical care to over 85,000 patients and conducted more than 100,000 investigations since its inception. She added that the campaign was not just corporate social responsibility but “a moral duty and sacred trust.”
The former first lady, who lost her daughter Abisola to breast cancer earlier this year, said the experience had strengthened her resolve to save other families from such tragedy. She appealed to women to take advantage of the free screening and called on partners and development agencies to support the fight.
Chairman of Fidson Healthcare Plc, Dr. Fidelis Akhagboso Ayebae, and Chief Executive Officer of Hazon Holdings, Dr. Victor ’Gbenga Afolabi, are set to lead discussions at the second edition of the D’Bio Wellness & Selfcare Summit.
The event is scheduled to hold on September 24 and 25 at the Lagos Chamber of Commerce and Industry (LCCI) Conference and Exhibition Centre, Alausa, Ikeja.
This year’s summit has the theme: “Self-Care as a Driver of Optimal Health and Wellness.”
Ayebae will serve as chairman of the event, while Afolabi, who is also the co-founder of Wellness HMO, will deliver the keynote address.
Ayebae, founder of Fidson Healthcare, is regarded as one of Nigeria’s leading pharmaceutical entrepreneurs. He is a fellow of the Institute of Directors Nigeria and the Institute of Corporate Affairs Management, and has held significant roles in the Manufacturers Association of Nigeria.
Afolabi has more than 20 years’ experience spanning healthcare, finance, technology and marketing. He is also the founder of the Eko Innovation Centre, a Lagos-based technology hub that supports start-ups and young entrepreneurs.
Convener of the summit, Dr. Monica Hemben Eimunjeze, said the event would focus on practical steps to improve health outcomes through self-care.
She said, “We are excited to welcome Dr. Ayebae and Dr. Afolabi as pivotal figures in our quest to enhance health literacy and empower individuals to prioritise self-care. This summit is not just about discussions; it is about actionable insights that can inspire and transform lives.”
The organisers said the two-day summit is open to the public and will feature panel sessions with health and wellness experts, attracting healthcare professionals, advocates and business leaders.
The Federal College of Animal Health and Production Technology, Moor Plantation, Apata, Ibadan, has joined the campaign to eradicate malaria in Nigeria.
The initiative followed the unveiling of the Geneith Health Competition on the institution’s campus on Tuesday.
The competition, organised by CEOAfrica in partnership with Geneith Pharmaceuticals Limited and powered by Coatal Forte Softgel, targets students of tertiary and secondary schools nationwide to spread knowledge on malaria prevention.
Convener of the project, Mr. Cletus Ilobanafo, said the programme was designed to raise awareness through a structured health contest at the state, regional and national levels.
He said Geneith Pharmaceuticals has committed N1 billion to the project, with N400 million earmarked for scholarships and N600 million for gift items to motivate participants. “By promoting education and prevention strategies, this competition underscores the dedication of all stakeholders in combating malaria and improving public health in Nigeria,” Ilobanafo added.
The Provost of the College, Dr. Chidi Okpeze, praised the organisers for selecting the institution as a launch platform for the campaign. He expressed gratitude to President Bola Tinubu and Minister of Livestock Development, Alhaji Idi Mukhtar Maiha, for their commitment to repositioning the livestock sector to boost national growth.
“Our students are ready to key into this initiative. They are articulate, active, and have represented us well in international competitions. We are confident they will excel in this campaign too,” he said.
The Provost urged the students to brace up for the task ahead and uphold the institution’s tradition of excellence.
Some students, who spoke on behalf of their colleagues, pledged to support the anti-malaria campaign by intensifying environmental sanitation on campus. They also commended the organisers and sponsors for giving them the opportunity to contribute to the fight against malaria.
They promised to sustain clean surroundings and spread the message beyond the school to ensure malaria is eradicated from the system.
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