U.S healthcare exam 3 Flashcards
(226 cards)
for Germany
- what is mandatory
- is the health insurance public or private
- does the government mandate insurance, does employment provide it
how much does each employee get?
Mandatory sickness funds
Predominantly private
Government-mandated, employment-based private insurance
7.3% is employer responsibility; 7.3% withheld from pay; equals 14.6% for each employee
2009-government run health fund distributes health funds based on risk adjustment
Not allowed to exclude, or raise rates according to age or medical condition- which would be experiential rating
Remain in fund if ill, retired, lose job
Higher income can select private insurance
Germany
what kinds of appointments are common
how can you see a specialist?
how many generalists are there
what is there little coordination between
the patient receives no bill for what
Appointments with Primary Care is common
Allowed to make appointments with specialists without a referral
Over 40% of physicians are generalists
Little coordination between hospitalists and generalists
Appointments, labs, prescriptions, hospitalization=No bill to the patient
Germany
who. does a primary physician bill
how often are physicians reviewed?
how often are hospitalists billed
Primary physician Bills regional Association of Physicians
1986- began to cap spending- Rationing
Physicians are reviewed quarterly, with each quarter affecting the following quarter
Hospitalists are billed upon Episode- Based funding or Bundle payment
Germany cost control
what are the parts of concerted action?
what does it control
despite the best healthcare effort, what still continues to rise
Concerted Action
- Guideline Fees
- Hospital Rates
- Pharmaceuticals
Controls physician fees, capping physician fees
Throughout time still Germany has Gross Domestic Product (GDP) that has been rising since 1990
Canada
to get health insurance what must you show
for the Hospital Insurance Act who is and who is not covered
when was universal medical insurance made available
how is health care system financed
is it attached to employment
how does everyone contribute to health care
who gets no bill
what does private insurance allow for
Health insurance: show provincial government card
Hospital Insurance Act: Hospital coverage but no MD coverage
Universal medical insurance 1966
Tax financed, public, single-payer health care system
Funded with provincial and federal tax revenues
Not attached to employment at all
Everyone contributes through taxes-everyone benefits
No bill if part of provincial health service
Private insurance allowed for gaps: some pharmaceutical coverage or private hospital rooms
Canada
who refers to a specialist?
what happens to specialists who receive a referral
what is waiting like for elective procedures
what happens per capita
what still remains despite everyone being covered
Family physician referral to specialist
Specialists get paid best if referred
Longer waiting for elective procedures
Less services per capita than US for example: MRIs and surgery
Despite everyone being covered, inequities still happen
Canada
who does physician bill
how are they paid in full
who can the physician not bill and what must they agree with
what kinds of methods are used
what is the rate of the hospital services and hwy
what di hospitals not need to do
Physician bills provincial government
Paid in full according to fee schedule
Physicians must agree with payment, cannot bill patient
methods:
- Blended models
- Fee-for-service
- Capitation
Hospital services slow - not enough money to pay extra
Hospitals do not need to prepare itemized bills
Approval process for capital projects of hospitals
Regulation of pharmaceutical prices
what is the difference between Canada vs. US
Canada vs. US
Less administrative costs
Less expensive high tech costs
Lower pharmaceutical prices
Caps on payment (Similar to Germany)
Changes in 2010 due to lack of confidence
UK
what entitles you to healthcare
what is the NHS
what can compete with NHS
how many buy health insurance
who can pay for private hospitals
Being on the “soil” entitled to receive tax supported medical care through NHS –National Health Service
Private health insurance can compete with NHS
11% buy private health insurance
Private insurance can pay for care of private hospitals not NHS facilities
Britain
what do you need to see a specialist
what must you have
what does your GP act as
where are the GPs
how is home health care
NHS – need referral to specialist
Must have general practitioner
GP is primary care, local hospital is secondary care, regional/national hospitals is tertiary care
GPs not in hospitals, but with social services
Home care is highly developed in UK, doctors home visits
UK
what does home health care warrant
how does a doctor see their patient
what do consultants equal
what is awarded
Capitation for MD & Preventive care fee for service
Home visits, nights and weekends, fee for service
Consultants = Specialists
Quality is awarded
UK
what is lengthened
what is limited
what are there fewer of
how do they view technology?
Queues lengthened
Capitation and salary for physicians
Limited consultant slots- controls supply of personnel and facilities
Fewer surgeons
Fewer meds
Fewer x-rays
More skeptical of new technology than US
Japan
what must large companies provide
what health insurance do smaller companies have
what health insurance do self employed and retirees have
what health insurance do government workers have
what do they all have
what is the insurance a mix of
Large companies- required to operate self-insured plan for employees and dependents
Smaller companies-single national health insurance plan
Self-employed workers and Retirees- National Health Insurance or Citizen’s Health Insurance
Government workers- society managed insurance
All have standard comprehensive coverage
Mix of employment-based insurance, social insurance, universal insurance
Japan
are there pre-authorizations
are there restrictions
are there more hospitalizations
is there more surgery
how long are their hospital stays
No pre-authorizations
No restrictions
Less hospitalizations
Less surgery
Longer hospital stays
Japan
what is the basis
how are hospitals paid in 2003
what does government strictly regulate
what volume do physicians see their patients
what is the average amount of physician visits
who many times have physicians see their patients
what can physicians do for meds
what do patients also see physicians for
Fee-for service was the basis
2003 hospitals paid per diagnosis, physicians still paid fee-for-service
Government strictly regulates physician fees, hospital payments, medication pricing, number of expensive services
Physicians have high volume of seeing patients
Average physician visits: 13 per capita in Japan versus 4 per capita in US
Physicians may see 60 patients in a day
Physicians can dispense medications and profit from medications dispensed
Some patients see physicians just for refills
Japan
how is the GDP looking
what does health care system rely on
what is problematic for this structure
are the elderly decreasing and at what rate
how about for the U.S how is the elderly pop. looking
how are costs contained
GDP increasing 7.7% in 2000 to 10.3% in 2012
Healthcare system relies greatly on employer taxes
Low birth rate and longer life expectancy is problematic for this structure
Japan estimated 65 and older population is projected to increase from 12% 1990 to 39% in 2050
US 65 and older population also growing but not as quickly from 13% in 1990 to 21% in 2050
Costs are contained with strict fee schedules but may not be able to sustain
with older facilities and potential underfunding of the healthcare system
Benefit Package:
the additional perks and benefits a company provides to its employees in addition to the employee’s base wage or salary
Patient Cost Sharing:
The share of costs covered by your insurance that you pay out of your own pocket.
Effects on existing health care coverage
Cost Containment:
a process of judiciously reducing costs in a business or limiting them to a constant level
Reform Health Care Delivery:
a process of change involving the what, who, and how of health sector action
which label is best for patients and why
second one is better for reading and understanding
Spacing, information being available, name is easily found, directions is higher up
what do patients like and don’t like
like:
color, bolding, large font
white space
what drug is for
The most important info on top
name of medicine
prescriber name
don’t like
info for pharmacists
confusing dates
addresses
clutter
unclear directions (twice daily)
all capital letters
Health Literacy
Word Choice
What info they can use to understand their own health
Things related to them to help them decide their health
Numeracy is saying, I’m going away and how much do I need, when is my next refill
Take medicine is different than. Give, give for giving to child so parent should not take It
Take once in morning and at night is different than Twice a day so that the first one is better
Can be very important
Can be difficult for people to understand