Important Health Care Information (Countries and Terms)

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Department
Public Health
Course
PHTH 1260
Professor
Ranjini Ghosh
Semester
Spring

Description
Important Health Information • Comparisons between different countries and their healthcare systems o Types of systems and what they mean • United States: o No true National System • Canada: o Federal Government sends Health Transfer to all of the Canadian  Provinces o Provinces decide what to offer to public o Public payment of private providers system o Employment insurance covers extended benefits • United Kingdom: o Universal health care funded by general taxation o Covers primary care, dental and prescriptions may require co­payment • France: o Covered by Securite Sociale o Supplemental insurance is purchased by 92% to help pay co­payments and  services not covered by Securite Sociale. o All employed enrolled in insurance, separate insurance for unemployed • Japan: o Mandatory Universal Coverage to all citizens through Employer based  insurance, National insurance and Elderly insurance. o Cost sharing o Preventative care services and Maternity care not covered by insurance.  Provided by the public health system. o Prevention Model • Germany: o Public­private insurance system financed by employers and workers with  subsidies from the government o Mandatory universal coverage o Non profit “sickness funds” which offer over 200 options for insurance  plans o Federal Ministry of Health sets premiums for the sickness funds o Multipayer private not for profit system • Switzerland: o nonprofit compulsory universal health insurance: LAMal o Health Insurance premiums are set by the insurers • Economics and terms o Market power­ supplier can set higher prices and control output, barriers  to entry o Externalities­ Unintended good consequences (Value to society is greater  than the value to the individual) o Physician induced demand­ artificial demand, increases prices o Defensive medicine – doctors know they may get sued, so they try  everything to make sure they won’t  o Imperfect information­ Supplier and consumer don’t know everything o Merit good – consumer incapable of evaluating value of service they will  receive o Moral hazard – not paying for it, so cost does not matter to you o Community rating­ insurance companies could not treat you differently  based on your gender, age, health status etc.  o Adverse selection­ The sickest people are the only ones who have  insurance o Individual mandate­ forcing everyone to buy insurance o Non­rival: one person’s enjoyment of the good doesn’t affect someone  else’s ability to enjoy it o HMO(Health Maintenance Organization):  P
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