Insights on Healthcare models & how it is been used in the U.S.

Four models of Healthcare:

? Beveridge model?

? Bismarck model

? National health insurance model

? Uninsured model.?

All these models differ, how they are funded and how healthcare is delivered. Publicly funded systems are paid for with taxation, while privately funded systems are paid for with individual contributions to a collective fund, like an insurance company. Facilities that deliver healthcare can be either owned by the government or privately owned by an organization, like a corporation or a nonprofit.

?

The U.S. actually uses all of these models, but for different segments of the population.

The?Department of Veterans Affairs, the?Indian Health Service, and the?Federal Bureau of Prisons?all use the Beveridge model. With these agencies, the government owns the facilities and is the primary employer. There may be some exceptions, like when the U.S. government hires private contractors to fulfill the healthcare services. But the Beveridge model forms the foundation of the design.

Americans who have commercial insurance through their employer are using the Bismarck model. Healthcare services are financed privately, through employer and employee contributions, and also delivered through private facilities.

Americans who have Medicare or Medicaid are using the national health insurance model. The?Centers for Medicare and Medicaid Services?(CMS), a government agency, is the primary payer, but healthcare services are delivered mostly through private companies.?

Finally, we have the uninsured model. Paying out of pocket for healthcare services is the unfortunate reality for?28 million Americans?as of 2020. Like other countries, the U.S. does have nonprofit institutions that provide charitable care, and emergency rooms must treat patients regardless of their ability to pay, in accordance with the?Emergency Medical Treatment and Labor Act?(EMTALA). However, urgent care centers, primary and specialty clinics, clinical laboratories, physical and occupational therapists, and pharmacies have no obligation to treat.

Conclusion:

All healthcare systems across the globe follow four major designs. Regardless of design, the most important thing is to ensure everyone is covered, which is not possible with the uninsured model. As countries using the other three models have demonstrated, there are ways of achieving universal coverage while still leaving a role for private insurance and private healthcare facilities.

Preetha Mary Ann

Executive – Social Media Marketing

Sashi Enterprises,

V-Etico Services, LLC

Phone: 1(307)368-8003

Email: [email protected]; [email protected]

?

?

?