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Healthcare USA/UK

Healthcare USA/UK. Dawn Roberts, Jamie Miller, Rebecca Seymour, Cory Anderson. Presentation Overview. Models of healthcare Description of US & UK systems Mechanics of US & UK systems Strengths and Weaknesses. Models of Healthcare Dawn Roberts. Models of Healthcare. 1. Beveridge Model

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Healthcare USA/UK

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  1. HealthcareUSA/UK Dawn Roberts, Jamie Miller, Rebecca Seymour, Cory Anderson LIR 554

  2. Presentation Overview • Models of healthcare • Description of US & UK systems • Mechanics of US & UK systems • Strengths and Weaknesses

  3. Models of Healthcare Dawn Roberts

  4. Models of Healthcare 1. Beveridge Model • Provided by: Medical providers whose salaries are paid by Government • Financed by: Federal Government, from income taxes • Admin. by: Federal Government • Examples: England, Spain, Scandinavia, Cuba, New Zealand, Hong Kong

  5. Models of Healthcare 2. Bismarck Model • Provided by: Private medical providers • Financed by: Nonprofit insurance companies, Premiums paid by employees, employers, government • Admin. by: Government (closely regulated) • Examples: Germany, France, Switzerland, Belgium, Japan, Latin America

  6. Models of Healthcare 3. National Health Insurance • Provided by: Private medical providers • Financed by: Federal Government-run insurance program, from taxes of all citizens • Admin. by: Federal Government • Examples: Canada, Taiwan, South Korea

  7. Models of Healthcare 4. Out-of-Pocket Model • Provided by: Private medical providers • Financed by: Patients, directly • Admin. by: No one; Each provider collects • Examples: Rural parts of Africa, India, China, South America

  8. Models of Healthcare US uses all of these: 1. Beveridge (VA, Military) 2. Bismarck (Employer-supported insurance) 3. National Health Insurance (Medicare, Medicaid) 4. Out-of-Pocket (Everyone else)

  9. Description of Systems Jamie Miller

  10. Description of Systems US System is notable because: 1. Numerous plans; Not universal 2. Costly 3. For-profit providers, financiers, and administrators

  11. Description of Systems • Costs covered by many separate legal entities: • Private Insurance • Private out-of-pocket • Federal government • State/local governments • Other private funds

  12. Description of Systems • More dollars spent per capita than any nation • 15.2% of GDP, with projection of 19.5% by 2017 • $2.26 trillion → $7,439 per person, in 2007

  13. Description of Systems

  14. Description of Systems UK National Health Service (NHS)

  15. Description of Systems UK System is notable because: 1. Universal 2. Providers receive salary from Federal Government 3. Government decides on care

  16. Description of Systems Dramatic differences in health care provision Are these reflected in actual health differences?

  17. Description of Systems Life Expectancy United States: 78 United Kingdom: 78.7 Mortality Rate United States: 6.4 United Kingdom: 5

  18. Mechanics of Systems Rebecca Seymour

  19. Mechanics of Systems US: Multiple Ways to Finance Care • Employer-Supported Insurance • Privately-Purchased Insurance • Government-Sponsored Insurance • The Uninsured

  20. Mechanics of Systems Uninsured 15%

  21. Mechanics of Systems– Employer Supported Healthcare • Health Maintenance Organization (HMO) • Preferred Provider Organization (PPO) • Point of Service (POS) • Health Savings Account (HSA)

  22. Mechanics of Systems– Employer-Supported Healthcare = 59%

  23. Mechanics of Systems– Privately Purchased Insurance = 9% • Self-employed or Work for companies not offering health benefits • Premiums based on individual health history, age, weight, smoking status and deductible chosen

  24. Mechanics of Systems– Government Sponsored = 28% • Medicaid • Medicare • VA Health Insurance

  25. Mechanics of Systems UK: One Way to Finance Care • National Health Service • World’s largest health service and fourth largest employer • Publicly funded by the taxation of the general public • Separate administration in UK colonies, but reciprocity

  26. Mechanics of Systems UK: One Way? • All citizens, Expats with work permits, Students there > 6 months • Most services free • How does it work? • GPs inform hospital of a patient's condition. • Hospital judges urgency, against other patients’ conditions. • Urgent need is met almost immediately. • Others receive appointments. (Median wait time ~ 3 weeks)

  27. Mechanics of Systems UK: Private Insurance • Currently, 12% of persons • 2/3 employer-provided; 1/3 individually-purchased • Privately insured go to NHS hospital or one of five private hospital groups. • Average individual premium = $260/month

  28. Strengths and Weaknesses Cory Anderson

  29. US Strengths World-Class facilities and physicians Relatively short wait-time for treatment Government directly covers 27.8% of the population through health care programs for the elderly, disabled, military service families and veterans, children, and some of the poor Strengths and Weaknesses *Information obtained from the National Institute of Health www.nih.gov/

  30. US Weaknesses ~47 million people without health insurance High administrative cost Financial problems for the under- or un-insured Private plans have exclusions or “carve outs” Disparities in access to health treatments Strengths and Weaknesses *Information obtained from the National Institute of Health www.nih.gov/

  31. UK Strengths Universal coverage Guaranteed treatment regardless of income level Health care paid through taxes Little paper work or bureaucracy Strengths and Weaknesses *National Health Service http://www.nhs.uk/Pages/homepage.aspx

  32. UK Weaknesses Higher tax rate Underfunding Long waits for specialists and elective procedures Lower quality facilities Exclusions for new or experimental treatment Strengths and Weaknesses *National Health Service http://www.nhs.uk/Pages/homepage.aspx

  33. Companies with Best Healthcare Coverage *Forbes 100 Best Companies to Work For 100% Healthcare Coverage for employees

  34. FOR MORE INFORMATION: Descriptions of 5 capitalist countries’ systems: http://www.pbs.org/wgbh/pages/frontline/sickaroundtheworld/ With links to more resources: http://www.pbs.org/wgbh/pages/frontline/sickaroundtheworld/etc/links.html Very cool interactive comparison by country http://www.npr.org/news/specials/healthcare/healthcare_profiles.html World Health Organization—International health www.who.int/en/ UK System www.nhs.uk US System—Resources & Links http://www.pbs.org/pov/pov2008/criticalcondition/resources.html

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