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Health Insurance/Medicare: Why are there copays? Are they necessary? How are they determined?

Paper instructions:

FIRST HALF page:

1.Please discuss the reasons for having health insurance coverage.
2.Are there individuals who choose not to be covered by health insurance; and why?
3.Why are there copays? Are they necessary? How are they determined?
4.Are different levels to health care insurance truly necessary?
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SECOND half page;
1.Please identify the group(s) of people who are eligible for Medicare but have not reached the age of 65. What type of Medicare benefits (Part A or B) can these groups enroll in? Can you think of reasons why these groups are covered by Medicare?
2.If a Medicare beneficiary lives in or travels to a foreign country, does or should Medicare cover medical services rendered in that country – for either an emergent encounter or on an ongoing basis?

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