Exam 1 Flashcards
Are American automatically covered by insurance
no
Does a true system of healthcare exist?
no
Why do you need to understand the healthcare system?
- be effective as possible in your role in the healthcare system
- have knowledge about payment systems
- learn about the diverse needs of patients
- improve the health outcomes of patients and communities
- identify strategies to reduce delays and lower costs
As a consumer, what are we paying for?
health insurance premium every month
Describe the healthcare spending growth in 2017
The healthcare spending growth in 2017 was similar to the average growth rom 2008-2013
How much is the US health care spending per person approximately?
10,739$ per person
How much did the federal government and households, private business, and state and local governments account for for shares of spending?
- federal government and households = 28% each
- private business = 20%
- state and local government = 17%
Describe the spending for hospital care in 2017 and how it compared to 2016.
Spending for hospital care increased 4.6% in 2017 which was slower than the 5.6% growth in 2016
List of stakeholders:
- providers
- inpatient and outpatient facilities
- payers, such as insurance companies
- government (federal insurance programs; regulations)
- patients (self-pay)
- suppliers (pharmaceutical companies, medical equipment companies, research and educational facilities)
Providers
- The healthcare industry will continue to experience job growth (aging population and ACA with more individuals insured)
- Multiple employment settings in public and private sectors
- Rural areas continue to suffer physicians shortages
- shortage of nurses nationwide - mostly in the south and west
Hospital systems
- Public hospitals
a. receives money from the government; aka teaching hospitals - Non-profit hospitals
a. Provides services to the community - often charity (Mercy) - Private hospitals
a. owned by private investors
Outpatient services
The preferred method of receiving care.
- in 2015, there was over 900 million visits to doctor’s offices
- outpatient imaging centers, outpatient surgical centers, and outpatient therapy services
Payers (insurance companies)
- Private Payers (private insurance companies)
a. Managed Care Organizations (MCO); Health Maintenance Organizations (HMO) - Public Payers (federal insurance programs
a. (medicare, medicaid, CHIP, VA (tri-care)) - Employee Sponsored Health Insurance
- Self-Pay
Access to Health Services
- Coverage
a. health insurance, underinsured - Services
a. primary care provider, dentist, surgery, specialty clinics, therapy services) - Timeliness
a. onset of symptoms and seeing provider
Access to health services: barriers
- cost
- inadequate or no insurance coverage
- lack of availability services
- lack of culturally competent care
Access to health services: Consequences
- unmet healthcare needs
- delays in receiving appropriate care
- inability to get preventative services
- financial burdens
- preventable hospitalizations
Health information Technology
Computerization of doc./charting
- electronic patient record (EMR, EHR)
- E-prescribing
- E-health
- Telemedicine
- Remote patient monitoring
Describe the adoption of EHR
By year 2015, 80.5% of hospitals adopted at least a basic EHR system - Critical Access Hospitals (CAH) lagging behind
Reason: financial incentives from Medicare and Medicaid
Barriers: ongoing costs, obtaining physician cooperation, and up-front costs
Ethics
- bioethics
- patient right and responsibilities
- advance directives
- DNR orders
- Licensure and Credentialing
Trends and Directions in the Health System
illness –> wellness
acute care –> primary care
inpatient –> outpatient
individual health –> community well-being
fragmented care –> managed care
independent institutions –> integrated systems
service duplication –> continuum of service
Prior to 1800, medicine in the US was referred to as a…?
“family affair”
When and where did the first medical college open?
1765 - University of Pennsylvania
When did private insurance emerge?
Private insurance emerged prior to WW1, but Blue Cross was est. toward the end of the 1920s
American Hospital Association (AHA) began supporting…
group hospitalization plans
Explain the medical plan that started during WW2
started by Henry J. Kaiser which featured a pre-paid program that paved the way for HMOs 40 years later
Timeline of major events: 1934-1939
NHI and the New Deal
Timeline of major events: 1945-1950
NHI and the Fair Deal
Timeline of major events: 1960-1965
Medicare and Medicaid
Timeline of major events: 1976-1979
Cost-containment
Timeline of major events: 1992-1994
The Health Security Act
Timeline of major events: 2010 - Present
Patient protection and affordable care act
1934-1939: NHI and the New Deal
The Great Depression (1929-1939)
- Calling for government relief
- Elements of reform – state-run system with compulsory health insurance for state residents; expanding hospitals, public health, and maternal and child services
- Strong opposition from AMA citing that physicians would lose autonomy
- Social Security Act passed in 1935 – only provided matching funds but no national health insurance
1945-1950: NHI and the Fair Deal
- During WW II, the War Labor Board ruled in 1943 that health insurance coverage should be excluded from the period’s wage and price controls
- After WW II ended, President Truman called upon Congress to pass a national program to ensure the right to medical care
- Proposed national health insurance but was defeated
1960-1965: Medicare and Medicaid
- Productivity expanded, as well as the middle class, with a well-educated workforce as a result of the G.I. Bill post WW II
- Increasing use of private insurance plans, but the elderly and the poor became of the focus of health care reform
- Medicare and Medicaid were incorporated into the Social Security Act, signed by President Lyndon Johnson, in 1965
- Health care costs increased the federal budget substantially
Medicare and Medicaid Milestones: 1972
Medicare eligibility was extended to individuals with long-term disabilities and to individuals with end-stage renal disease (ESRD)
Medicare and Medicaid Milestones: 1986
The Emergency Medical Treatment and Labor Act (EMTALA) required hospitals participating in Medicare that offer emergency services to provide stabilizing treatments
Medicare and Medicaid Milestones: 1997
The Balanced Budget Act of 1997 created the Children’s Health Insurance Program (CHIP)
Medicare and Medicaid Milestones: 2003
Medicare Prescription Drug, Improvement and Modernization Act: Created Part D prescription drug program
1976-1979: Cost-Containment Trumps NHI
- President Ford withdrew NHI for fear of worsening inflation
- Carter pledged as presidential candidate to support a comprehensive NHI plan
- National health insurance was not a priority so defeated once again in the face of economic recession, inflation, and uncontrollable health care costs
- Priority was on cost-containment
1992-1994: The Health Security Act
- Federal debt reached record levels – the Federal Reserve Board succeeded in acting to control inflation, unemployment decreased, but health care costs continued to escalate rapidly
- Fundamental health care reform needed
- President Clinton proposed universal coverage, employer and individual mandates, competition between private insurers, and regulated by government to keep costs down
- Once again, proposal defeated but bipartisan support for the Children’s Health Insurance Program (CHIP) in 1997
Affordable Care Act
Signed into law on March 23, 2010.
- On June 28, 2012, the Supreme Court rendered the final decision to uphold the law.
- put in place comprehensive health insurance plans
- working to make healthcare more affordable, accessible, and of higher quality
Who was the Affordable Care Act available to
Available to previously insured Americans, and Americans who had insurance which didn’t provide them adequate coverage and security
medicaid work requirements
January 2018, CMS issued new guidance for state Medicaid waiver proposals
- As of January 9, 2019, seven states have approved the waivers; 9 others pending
Purpose of medicaid work requirements
Meant to help enrollees find jobs
ex. in Arkansas, everyone enrolled in Medicaid has to document work hours through state online portal
medicaid work requirement findings:
- Low-income may lose their health coverage
- Most people currently on Medicaid already work, go to school, have a disability, or are the primary caregiver for relatives
Why was the ACA again under assault by 20 republican states in 2018?
by asking the courts to rule the entire ACA unconstitutional
Describe the enrollment in health care exchanges in 2018
Enrollment in the health care exchanges just 4% lower than 2017
What was the proposed rule by HHS in 2018?
To test a new payment model to substantially lower the cost of prescription drugs
What did private companies such as Amazon, Berkshire Hathaway and J.P. Morgan Chase announce in 2018
announced the intent to form independent nonprofit health care company
What was the trend in 2018 of the growth in health care spending?
growth in healthcare spending slows.
PPACA stands for
Patient protection and affordable care act
When was the PPACA signed into law
March 23, 2010. Put in place comprehensive health insurance reforms - the first time since 1965
What happened following the 2010 mid-term elections?
The republicans gained control of the House of Representatives and voted 245-189 to repeal the ACA but on January of 2011, the repeal failed in the Democratic-controlled senate in a party-line vote. On June 28, 2012, the Supreme court rendered the final decision to uphold the law
By 2014, most American’s would be required to what?
Most Americans would be required to carry a minimum level of health insurance or pay a penalty (individual mandate)
State had until what year to create health insurance exchanges?
2014
In 2014, eligibility requirements for Medicaid would be revised to cover what?
to cover anyone earning less than 133 percent of the poverty level (Medicaid expansion)
- 133% = minimum threshold for adults but children is much higher because they want to make sure children are covered
Businesses with how many workers would be assessed a penalty starting in 2014 if they did not offer benefits?
50 or more
Federal funds could not be used for abortions except in what cases?
rape, incest or when the mother’s life was endangered
Illegal immigrants would not be able to buy what?
insurance from subsidized exchanges – even if they paid the full cost themselves
Based on predictions by the Congressional Budget Office (CBO), the legislation would extend coverage to…?
32 million Americans by 2019
Coverage of the Federal Health Insurance Exchange
October 1, 2013 - first exchanged opened
8 million people enrolled during the first open enrollment period
Subsidies provided to allow low-income individuals to purchase health insurance
After the establishment of the ACA, how many people gained health coverage?
more then 20 million people; about half of the increase reflects gains in private coverage due to subsidies.
As the ACA took effect, Uninsured rates fell dramatically for
low income, all age groups, all race, ethnicity, all levels of education (almost all demographic groups)
Texas v. U.S. Decision
On December 14, 2018, a federal judge rules that the ACA’s individual mandate is unconstitutional and that the entire law should be struck down as a result.
On July 2019, Texas will ask a federal appeals court in New Orleans to end the law in its entirety, without offering a replacement plan
Currently, waiting on decision from the U.S. 5th Circuit Court of Appeals on whether the law should stand
Steps in Accessing Health Services
- Gaining entry into the health care system (usually through insurance coverage)
- Accessing a location where needed health care services are provided (geographic availability)
- Finding a health care provider whom the patient trusts and can communicate with (personal relationship)
Barriers in Accessing Health Services
- High cost of care
a. premium, copay, deductibles - Inadequate or no insurance coverage
a. situational changes, eligibility issues, 5-year waiting period for immigrants - Lack of availability services
- Lack of culturally competent care
What is the percent of adults who reported delaying or going without care due to costs (2016)
27%; those who delayed care or did not get care resulted in worse health
Trends over time of the insured vs. the uninsured
The insured – not a lot of fluctuation
Insured – more fluctuation
Uninsured Population – Key Facts (4)
- 20 million gained insurance coverage through the ACA – but in 2017, the number of uninsured increased by more than .5 million
- Many people remain uninsured due to high cost of insurance, not having insurance through employer, and not knowing how to navigate exchanges
- The uninsured are mostly low-income families and have at least one worker in the family (higher risk: adults and people of color)
- Lack of access and medical debt
Insurance coverage gains particularly large among what groups?
Coverage gains particularly large among adults and poor
and low-income individuals, Hispanics
Considering people living in the US, most of the uninsured are what percentages?
US citizens (75%) Non-citizens (25%)
Individuals living in non-expansion
states most likely to
be _____.
uninsured
Consequences of Being Uninsured
- Less likely to receive preventive care and services for major health conditions
- Do not obtain the treatments that their health care providers recommended; end up paying a fortune or not doing it at all
- More likely to be hospitalized for avoidable health problems because they didn’t get their preventative care
- Safety net providers have limited resources and service capacity
a. public hospitals
b. Community health centers
c. free clinics
net providers
where people don’t have insurance/under insured go when they need care
Both farm and rural populations experience lower access to health care along what dimensions?
Along the dimensions of affordability, proximity, and quality, compared with their non-farm and urban counterparts.
Rural residents: to have quality health care access
- Financial means to pay for services
- Health literacy
- Confidence in quality of care
- Means to reach and use services
- Privacy
What is considered urbanized, urbanized cluster, and rural
Urbanized = 50,000 or more
Urbanized Cluster = at least 25 hundred up to 50,000
Rural = below 25,000
Barriers to Access in Rural populations
- Structural
a. The number, type, concentration, location, and original configuration of providers (often predicted by the health care financing system)
- health care plan or provider refuses care
- inadequate supply of providers
- prolonged waiting times - Financial
a. The cost of care to individuals and families, including the presence and type of health insurance coverage (includes consideration of the underinsured)
- uninsured cannot afford care
- underinsured cannot afford co-pay or deductible
- absent coverage for certain conditions - Personal and Cultural
a. A set of either explicit or implicit rules that determine the behavior of social subjects in relations to their health
- unable to travel to care
- unable to communicate to providers
- disrespectful provider behavior
Causes and consequences to barriers to access to care in the rural populations
- Rural hospitals close at a higher rate than urban hospitals
- Losing hospitals creates a “domino effect”
- For those underinsured, usually delinquent in paying providers
- Small businesses are at a disadvantage
- Health is affected
Estimated in 2017, almost what percentage of veterans are aged 65+
50%