America burned through 17.3% of its total national output on medical care in 2009 (1). On the off chance that you separate that on an individual level, we burn through $7,129 per individual every year on wellbeing care…more than some other nation on the planet (2). With 17 pennies of each dollar Americans spent keeping our nation solid, it’s no big surprise the administration is resolved to change the framework. Regardless of the staggering consideration medical services is getting in the media, we know next to no about where that cash originates from or how it advances into the framework (and legitimately so…the way we pay for medical services is madly perplexing, no doubt). This tangled framework is the lamentable aftereffect of a progression of projects that endeavor to control spending layered on head of each other. What follows is a deliberate endeavor to strip away those layers, helping you become an educated medical care customer and an indisputable debater while examining “Medical care Reform.” aquí
Who’s taking care of the tab?
The “charge payers” fall into three particular pails: people paying using cash on hand, private insurance agencies, and the legislature. We can take a gander at these payors in two unique manners: 1) How much do they pay and 2) what number individuals do they pay for?
Most of people in America are protected by private insurance agencies by means of their managers, followed second by the legislature. These two wellsprings of installment consolidated record for near 80% of the subsidizing for medical care. The “Using cash on hand” payers fall into the uninsured as they have decided to convey the danger of clinical cost freely. At the point when we take a gander at the measure of cash every one of these gatherings spends on medical services yearly, the pie moves significantly.
The administration right now pays for 46% of public medical services uses. How could that be? This will bode well when we analyze each of the payors exclusively.
Understanding the Payors
From cash on hand
A select segment of the populace decides to convey the danger of clinical costs themselves instead of becoming tied up with a protection plan. This gathering will in general be more youthful and more beneficial than protected patients and, all things considered, gets to clinical consideration considerably less oftentimes. Since this gathering needs to pay for all caused costs, they additionally will in general be considerably more separating by they way they access the framework. The outcome is that patients (presently more properly named “customers”) correlation look for tests and elective techniques and stand by longer before looking for clinical consideration. The installment technique for this gathering is basic: the specialists and clinics charge set expenses for their administrations and the patient pays that sum straightforwardly to the specialist/medical clinic.
This is the place the entire framework gets much more muddled. Private protection is bought either separately or is given by businesses (a great many people get it through their boss as we referenced). With regards to private protection, there are two principle types: Fee-for-Service guarantors and Managed Care back up plans. These two gatherings approach paying for care in an unexpected way.