210class24

210class24 - Stephen Hansell Ph.D Department of Sociology...

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Stephen Hansell, Ph.D. Department of Sociology Institute for Health Research http://sakai.rutgers.edu [email protected] 609-203-2830
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Class 24 Health Insurance; Problems in the Health Care System
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I. Private insurance A. Originally fee-for-service B. 1970's - implicit rationing through HMO's C. 1980's - explicit cost rationing through DRG's D. 1990's - explicit treatment rationing through managed care
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I. Social Security A. Accounts for more than half the income of the elderly B. A pay-as-you-go program C. Past retirees got back more $ than they put in D. Future retirees will get back less than they put in
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E. Why? – demographics F. Something must change to keep social security from going bankrupt 1. Higher taxes? 2. Reduced benefits? 3. Raise age of eligibility?
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III. Medicare A. Health insurance for the elderly 1. Part A covers hospital 2. Part B covers doctor bills (optional) 3. Part C Medicare Advantage (optional) 4. Part D covers drugs (optional)
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B. Federally funded out of current payroll taxes
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210class24 - Stephen Hansell Ph.D Department of Sociology...

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