Healthcare Models and Relation to Healthcare in US

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Table of Contents

Bismark
Beveridge
Medicare (Use the Canadian Model)
Out of Pocket

Bismark

Bismark’s health bill of 1983 was a health cost-sharing bill between the employees and the employers. In the bill, the employer was supposed to be responsible for 2/3 (two-thirds) of the bill while the employee was responsible for the. Nowadays, in the United States of America, about 59.3% of the total population is covered by an insurance policy from employers. Most employers usually choose the fraction of the insurance they will pay for the worker. As a result, in most cases, the employees are required to pay some part of their insurance.

The Bismarck system is present in the following countries, like Japan, France, and Germany in one form or another, but each of them works with this system differently. The Bismarck system in these countries is usually implemented in private hospitals unlike in America.

Beveridge

Beveridge with some of his colleagues introduced the National Health Service in Britain. This was one of the ways of fighting the five giants which are made up of ignorance, diseases, want, squalor and idleness. As a result, labor costs were shifted out of corporate ledgers into public accounts. This led to producing healthier workers. In the United States today, the majority of funds for healthcare programs are in public accounts.

The Beveridge model is usually funded by the government but it may be private. Since British hospitals are well known for their being grim, some citizens very often choose private hospitals which are much more attractive for people.

Medicare (Use the Canadian Model)

In the Canadian Medicare model, the majority of the health expenditure comes from public funds. This is also the case in the US today whereby 60-65% of the funding is the role of the government. Just like in the Canadian model, all the “insured persons” in the United States are eligible for the “insured services”. In the Canadian Medicare model, most doctors are self-employed and as a result, they are paid by publicly funded sources. This is also the case in the United States whereby doctors and hospitals are funded by fee-for-service (FSS) from patients and insurance schemes. In the Canadian Medicare model, dental and eye care are not part of government insurance. This is also the case in the United States whereby the dental and vision care insurance policies are sold differently.

The Canadian Medicare system is an experiment in the whole health care system. It has shown an example for the whole world, both by its successes and failings. Other nations are to learn a lot from the ideas of the Canadian health care system.

Out of Pocket

This is the proportion of the bill an insured person pays directly to the health care without requiring the support of a third party such as an insurer or the state. In the United States today, people with private or government insurance refer to medical facilities which allow only some particular type of medical insurance. The cover outside the insurance policy is always paid by the patients directly. This can be seen as an ‘out-of-pocket’ strategy.

The out-of-pocket model is used in the poorest countries on the globe. While the out-of-pocket model is considered to be implemented in poor countries, it can be found in America as well.

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Healthcare Models and Relation to Healthcare in US

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