Chapter 11 and 12

Question 1

what are the functions of insurance?

Answer 1

1. insurance- way to pay for high cost and unexpected medical expenses
2. redistribution- way to guarantee access for low income people to low cost
3. cost control- way to limit what docs, pharma, and providers can charge
4. Paternalism- way to encourage people to access preventative services

Question 2

Bismarck model

Answer 2

• compulsory insurance
• examples: Germany, Japan, U.S equivalent: U.S state of Massachusetts
• payers: employers, employees, government (everyone)
• delivery: private

Question 3

national insurance/single payer

Answer 3

• payer:government
• delivery: private providers
• examples: Canada, Taiwan, U.S equivalent: Medicare for all

Question 4

national health coverage(Beveridge)

Answer 4

• payer: government
• delivery: public, government runs hospital
• example: Britain, U.S. equivalent: V.A

Question 5

Chan and Weinberg readings

Answer 5

main argument: single payer won’t work, studies have shown that quality isn’t any better