Health Care Delivery Systems Flashcards
(123 cards)
Over the past 30 years, there has been a shift from the illness model of disease treatment to the
wellness model of chronic disease prevention
4 means of healthcare financing
out of pocket, individual private insurance, employer sponsored private insurance, and government
What is the national distribution of health care expenditure?
private insurance> Medicare> Medicaid> out of pocket
Employer-sponsored insurance generally uses principles of__________ to control costs
managed care
Most are either HMO or PPO
An HMO is
a managed care insurance plan where the payer is accountable for both the cost and the quality of care within a closed system
A PPO is
mainly concerned about reducing the cost of care, creates a larger but still restrictive network of physicians who agree to a contracted rate before care delivery
Accountable care organizations (ACOs)
An evolution of HMO and PPO, ACOs are models of managed care that tie payment to cost control and quality of care, theoretically keeping health care providers more accountable for resource use and quality of care
Pharmacy benefit manager
If a healthcare insurer does not manage prescription benefits for its beneficiaries, a pharmacy benefit managers will separately administer the benefits, including formulary development, customer service, and pharmacy contracting
Trends in innovation in health care
growth in retail clinics, expansion of telemedicine and technology, and advances in personalized medicine
From the 1980s onward, the United States healthcare system focus has been
cost and quality
Premiums
The amount of money paid each month by the insured for the plan
Deductibles
Specified amounts of money that the insured must pay before an insurance company will pay a claim
What is the largest payer of healthcare in the United States?
Government-funded
What created Medicare and Medicaid?
When President Lyndon B Johnson signed the Social Security Amendments of 1965 into law
Medicare Part A
Hospital insurance
Helps cover the costs of inpatient hospital care, skilled nursing facility care, hospice, and home health care. For most people who choose part A, part B is required and premiums must be paid for both
Medicare Part B
Medical insurance
Helps cover the costs of doctors services, outpatient care, and some preventative services.
Preventative measures include the flu, hep B, and pneumococcal vaccines, durable medical equipment, diabetes screenings, etc
Medicare Part C
Medicare Advantage Plan
Coverage includes Medicare Parts A and B plus other coverage, which usually includes prescription drug costs
Medicare Part D
Prescription drug coverage
Operated by private insurance companies on behalf of medicare, like Medicare part C
Enrollment is optional
MTM
Individuals enrolled in Part D may qualify for MMS if they meet 3 criteria:
-have multiple chronic diseases
-take multiple drugs
-be likely to incur expenses that exceed a level specified by the Department of Health and Human Services
Only pharmacists and pharmacy interns can provide under part D
Medicaid eligible
Those classified as poor
Children
People with chronic disabilities
People suffering from HIV/AIDS
Managed care
An evolutionary concept reflecting a different approach to provision and reimbursement for healthcare services. It focuses on appropriate use of health care resources. The 2 main configurations of managed care are health maintenance organizations HMOs and preferred provider organizations PPOs.
Affordable Care Act (passed in 2010)
An individual mandate (requiring, under financial penalty, US citizens to purchase some form of health insurance.
Expansion of Medicaid
Creation of insurance exchanges (marketplaces for individuals to buy insurance)
Vertically integrated health systems
One large organization takes responsibility for the delivery of care across all levels of care.
Financed under HMO
Semi-integrated health system model
Health care providers are not employed under the same organization, but still coordinate their services to reduce costs and optimize care.
Physicians in this model join HMOs as part of networks, but will still see patients outside of the HMO