3 Task 3 A2b Referral to See a Specialist In Switzerland with the SHI system

3 task 3 a2b referral to see a specialist in

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Task 3 A2b. Referral to See a Specialist In Switzerland with the SHI system individuals may consult with a specialist without referral from GP[Exp12]. However, if the individual chose not to go with the basic SHI plan and instead selected a plan that had a lower premium then their access to choice of doctors may be limited and they will need a referral from their GP to see a specialist[Exp12]. Only 3% of patients waited 2 months or more to see a specialist in Switzerland[Cam151]. In the U.S. referral to see a specialist again depends on the plan the individual has. Many insurance plans require referral to see a specialist. Most insurance plans do require that the individual choose a provider that is in network or the individual be may at risk of not having the service covered or be required to pay higher out of pocket. In the U.S. 6% of people waited 2 months or more to see a specialist[The151]. A2c. Coverage for Preexisting Conditions In Switzerland insurance companies are obligated to accept anyone who applies for coverage regardless of preexisting conditions[Exp12]. Further, insurance companies cannot refuse to insurer or terminate a policy if the individual gives incomplete or inaccurate information when applying for a policy[Exp12]. In the U.S. under the ACA insurance companies cannot refuse to cover or charge more due to a preexisting condition[HeaND]. A3. Finance Implications for Healthcare Delivery 2 financial implications for the patient with regard to healthcare delivery in Switzerland are premiums paid by individuals and out of pocket expenses. Under Switzerland’s SHI system each individual including children are required to have their own policy and each policy requires 4
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Task 3 an annual premium to be paid [Cam151]. In addition the premium paid for the policy, the
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