Chapter 5: Australian Healthcare System Flashcards

1
Q

Components of effective healthcare systems

SEA

A
  • Sustainability
    • Effectively meeting ongoing health needs, enabling current and future generations to experience good health
  • Equity
    • Catering to the various requirements of different people
    • The needs of people guide the distribution of support
    • Closely linked to fairness and social justice
    • Providing extra support for people in need so they can have the same opportunities in life as everyone else
  • Access
    • Being able to make use of healthcare services without barriers such as location, knowledge, time or cost
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2
Q

Health system

A
  • Activities that promote, restore and/or maintain health
  • Effective healthcare systems are able to deliver quality healthcare services to all people when and where they are required
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3
Q

Primary healthcare vs secondary care

A
  • Primaryfirst contact with healthcare system
    • Tend to be delivered in local clinics or community health centres (not typically related to hospital care)
    • Doesn’t work in isolation (works alongside 2ndary care)
  • Secondaryservices provided after a referral from a primary healthcare professional
    • Offered by specialists or in hospitals
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4
Q

Medicare and its 3 mains objectives

A
  • Australia’s universal healthcare system that aims to:
    • Make healthcare more affordable for all Australians
    • Give all Australians access to healthcare services with priority according to clinical need
    • Provide high-quality care
  • Remove cost as a barrier to seeking health care
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5
Q

Services covered and not covered by Medicare

A
  • Covered
    • Consultation fees for GPs (100%) and specialists (85%)
    • Most procedures performed by GPs
    • X-rays and pathology tests
    • Optometrists’ eye tests
  • Not covered
    • Allied health services e.g. physiotherapy
    • Hearing aids, contact lenses and glasses
    • Ambulance services
    • Home nursing
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6
Q

How can Medicare promote HWB?

A
  • Physical – healthcare is accessible to all citizens and PRs
  • Mental – subsidises costs of health services and, thus, reduces stress and anxiety due to the financial burden of healthcare
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7
Q

Medicare safety net

A
  • Extra financial support to those that have significant out of pocket costs for health services (e.g. those w chronic illness)
  • 100% reimbursement once the threshold has been reached
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8
Q

Medicare funding

A
  • Medicare levy
    • 2% levy paid by most tax payers
    • People who earn below a certain amount are exempt
  • Medicare levy surcharge
    • 1-1.5% paid by people earning over a certain amount of money and do not have private health insurance
    • Encourages higher income earners to get PHI
  • General income taxation
    • If the above do not fully cover the costs of medicare
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9
Q

Advantages and disadvantages of Medicare

A
  • Advantages
    • Accessible for every Australian citizen or PR
    • Access to essential healthcare at little or no cost
    • Reciprocal agreement allows Australian citizens to access subsidised/free healthcare in selected countries
  • Disadvantages
    • Financial burden on the Commonwealth Government
    • Long wait times for many treatments (non-emergency)
    • Does not cover the cost of allied health services
    • No choice of doctor for in-hospital treatments
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10
Q

Sustainability, equity and access of medicare

A
  • Sustainability
    • Removes the barrier of cost, making people more likely to access healthcare which prevents the development of serious conditions
    • Reduces the need for expensive treatment later on (e.g. surgeries), keeping costs under control and sustainable in the future
  • Equity
    • Safety net protects people who experience higher costs of healthcare, thus providing extra support to those who need it most
  • Access
    • Rebates makes healthcare financially accessible
    • Accessible for all Australian citizens and PRs regardless of income, culture, gender, etc.
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11
Q

Pharmaceutical Benefits Scheme (PBS)

A
  • Australian Government initiative that subsidises the cost of a wide range of prescription medications
  • Developed to prevent the development of serious conditions and reduce the burden on the healthcare system
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12
Q

How can the PBS promote HWB?

A
  • Mental – keeping medication affordable can reduce the stress or anxiety associated with covering high medication costs
  • Physical – access to essential medication tends to play an important role in the treatment and control of illness
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13
Q

PBS funding

A
  • Commonwealth Government through taxes
  • Partially by the money collected through co-payments
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14
Q

Advantages and disadvantages of the PBS

A
  • Advantages
    • Subsidised costs of essential medication
    • Available to all Aus citizens, regardless of age/income
    • Includes the PBS safety net that further protects people from the high cost of medication
  • Disadvantages
    • Financial burden on the Commonwealth Government
    • Does not cover all medications
    • For most Australians, there is still a co-payment of $41
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15
Q

Sustainability, equity and access of the PBS

A
  • Sustainability
    • Only the medication that are deemed to have the greatest benefit are listed, keeping costs manageable
  • Equity
    • Safety net gives extra support to people who need it most (e.g. those with chronic illness who consistently take expensive medication)
    • Cost is significantly reduced or removed once the threshold is reached
  • Access
    • Subsidies make medication more financially accessible
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16
Q

Private health insurance

A
  • An optional subscription or policy that provides individuals with different levels of cover for a fee
  • Provides access to services not provided by Medicare
17
Q

How does private health insurance promote HWB?

A
  • Emotional – sense of security/peace of mind knowing that you can be readily treated in case of injury or disease
18
Q

PHI funding

A
  • By members through the premiums they pay
19
Q

PHI incentive schemes

A
  • Private health insurance rebate
    • Rebate (partial refund) from the government to help cover the cost of their premiums
    • Dependent on one’s income
  • Medicare levy surcharge
    • Higher-income earners without PHI are charged an additional 1-1.5% surcharge
    • Encourages people to take up PHI
  • Lifetime health cover
    • Encourages people to get PHI earlier in life
    • Once an individual turns 30, PHI will cost an extra 2% each year that they do not join
  • Age-based discount
    • Discount of up to 10% granted to those aged 18-29
    • Makes PHI more appealing to young people who are less likely to use it and may otherwise not see its benefit
20
Q

Why is PHI needed?

A
  • Supports the public health system
    • ↓ waiting times and demand for beds in public hospitals
  • Supports an ageing population
    • ↓ pressure on public system due to ↑ demand of medical services provided by an ageing population
21
Q

Advantages and disadvantages of PHI

A
  • Advantages
    • Access to private hospital care
    • Shorter waiting time for some procedures
    • Covers a wider range of services (compared to Medicare)
    • Reduces the burden on the public health care system
  • Disadvantages
    • High costs for individuals and families
    • Out-of-pocket costs for some services
    • Feeling as though you are paying for unused services
    • Qualifying periods for some conditions e.g. pregnancy
22
Q

Sustainability, equity and access of PHI

A
  • Sustainability
    • Reduces the burden on the public system, allowing more people to be treated sooner
    • Healthcare needs can be sufficiently & continuously met
  • Equity
    • Lower income earners are entitled to a greater rebate on the cost of their premium and are exempt from the medicare levy surcharge
  • Access
    • Social access to healthcare as people can choose to be treated by a doctor who best meets their needs
    • Greater access to services not covered by medicare
23
Q

National Disability Insurance Scheme (NDIS)

A
  • Insurance scheme that provides support for Australians with disability, their families and carers
  • Seeks to build independence and increase opportunities and social participation for those living with a disability in Australia
  • Helps people with disability to…
    • Lead enjoyable and ordinary lives
    • Access services e.g. healthcare, education, libraries
    • Receive reasonable and necessary funded support
    • Maintain support arrangements e.g. from family/friends
24
Q

Reasons why Australians may choose to purchase PHI

A
  • Reduce waiting times for (elective) surgery
  • Choice of doctor that treats them in hospital
  • Access more services than Medicare (e.g.physio)
  • Tax benefits to avoid paying the Medicare Levy Surcharge
  • To take advantage of the age-based discount
25
Q

NDIS funding

A
  • Shared among all levels of government in Australia
26
Q

Sustainability, equity and access of the NDIS

A
  • Sustainability
    • Introduced in stages, rather than all at once, allowing the program to build up adequate funding over 3 years
    • Assists people to gain employment, ↑ taxable income, ↑ the government’s capacity to fund healthcare programs
  • Equity
    • Provides individuals and their carers w/ support that is individualised and unique to their specific set of needs
    • Support is not dependent on income, but rather, one’s level of disability and the subsequent support required
  • Access
    • Supports people to access services e.g. education
27
Q

Implications of increased LE on Australia’s health system

A
  • People working and, thus, generating an income for longer, means that more taxation money can be put into Medicare
  • There may be increased demand for certain medications, putting strain on the PBS
  • Increased burden on the healthcare system can increase the Medicare levy/Medicare levy surcharge