The four healthcare models Flashcards
Bismarck
Germany, Japan, France, and more
Private insurance, private providers
Employer-based insurance, through
payroll deduction
Insurance is non-profit
Government regulates services,
prices, generally keeps costs down
US: For those working under the age of 65
Difference is insurance is for profit
Beveridge
UK, Cuba, the VA and some others
Government provided healthcare
No insurance, because no bill!
(free)
The VA is one of the best examples
simply because the medical staff is
government employed.
Government can decide what
services they provide, thus
preventing any excess services
and lowering costs
US: Native americans, veterans, military
National Health Insurance
Canada
Private providers, government
insurance
Insurance is paid by tax, and
insurance is non-profit
As the only insurance plan,
government is monopsonistic: it is
the only buyer. This means it can
negotiate for whatever it wants,
thus lowering cost and limiting
services
Patients wait a while before being
cared for
US: For elderly and others and others through medicare
Providers charge however much they want
Out of pocket
least developed system
you pay for your service
rich get care and the poor can’t afford it and die
US: for all those who are uninsured or underinsured
