Ch2spring2011econ

Ch2spring2011econ - EconomicsofWomensHealth...

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Economics of Women’s Health Economics of Women’s Health Carolyn C. Voorhees, PhD Carolyn C. Voorhees, PhD HLTH /WMST 471 Fri 1/28/2011
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“An ounce of prevention is worth a pound of cure.” —Unknown
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Paying for Health Care U.S. healthcare system Third-party payer system Indemnity/fee-for-service model Managed care model Decreased access to care Shorter physician office visits Higher co-payments Restrictions on choice of doctor
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The Third-Party Payer System
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Managed Care Plans * Health Maintenance Organization (HMOs) -Staff Model -Independent Practice Association (IPA) * Preferred Provider Organizations (PPOs) no PCP; network; out >$ * Point-of-Service (POS) PCP, referral Types
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Choosing an Insurance Plan Factors to consider Pre-existing medical conditions Need for services that may not be covered (e.g., psychotherapy, alternative therapies) Co-payments Prescription plans/formularies Existing providers not in provider network
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Types of Health Insurance A. Private health insurance Purchased and subsidized by employers or individuals B. Public health insurance Provided by the government Medicare Medicaid Veteran Administration (VA) Department of Defense (DOD) Bureau of Indian Affairs
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Medicare: Age and Gender of Recipients
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Medicare
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Ch2spring2011econ - EconomicsofWomensHealth...

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