tag:blogger.com,1999:blog-32053362.post475388084460988455..comments2024-03-26T00:25:34.026-04:00Comments on Not Running a Hospital: Paying more for the amenities you may never needPaul Levyhttp://www.blogger.com/profile/17065446378970179507noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-32053362.post-40488028563220368572011-03-03T09:51:49.447-05:002011-03-03T09:51:49.447-05:00Good points, fairhavenhorn. I discussed the Dutch...Good points, fairhavenhorn. I discussed the Dutch system here: http://runningahospital.blogspot.com/2007/11/dutch-treat.htmlPaul Levyhttps://www.blogger.com/profile/17065446378970179507noreply@blogger.comtag:blogger.com,1999:blog-32053362.post-77141399385101144172011-03-03T09:39:54.202-05:002011-03-03T09:39:54.202-05:00Dear nonlocal and Barry, See a new post above for ...Dear nonlocal and Barry, See a new post above for my response: http://runningahospital.blogspot.com/2011/03/time-for-wisdom-of-crowd.htmlPaul Levyhttps://www.blogger.com/profile/17065446378970179507noreply@blogger.comtag:blogger.com,1999:blog-32053362.post-49949061858848522612011-03-03T09:20:16.082-05:002011-03-03T09:20:16.082-05:00I think that Americans would do well to learn the ...I think that Americans would do well to learn the Dutch and Swiss models. These are not at all like the imaginary European health systems of the sound byte pundits. They have real complexity, deal with real problems, and are much closer to typical American structures than people expect. They also work.<br /><br />For example, the Dutch have an extremely spartan basic health care insurance. It is mandatory and inexpensive. The poor get an extra welfare credit to cover its costs, not an exemption. It is similar in practice to the mandatory auto insurance in MA in terms of being spartan, cheap, and mandatory. This insurance follows the person around, not the employer. It is also unrestricted. The insurers must offer it, and cannot refuse a customer. It is their equivalent to Medicaid/Medicare also.<br /><br />Employers are expected to handle automatic deductions for payment to *employee selected* insurance. This will cover the mandatory, and will cover any optional personal extended healthcare insurance. This too is similar to automobile insurance. Those who can afford it, get insurance that is much less spartan. This insurance is selected by the person, not the employer. The employer is a paperwork agent making the payments flow easily. The extended insurance may be refused by an insurer, but as with automobile insurance, this is a big market and insurance is generally available. Again, this insurance follows the person around, so there is no personal disruption driven by job changes or corporate decisions about insurance carriers.<br /><br />There may also be corporate selected insurance options, like in the US.<br /><br />Then there is another major financial difference. Most insurers are mutual companies, not part of financial conglomerates, and most hospitals are mutual companies. This means that any profits beyond those needed for maintaining capital and growth reserves are returned to the customers. The customer is the stockholder in a mutual structure. This balances out management mistakes and "excessive profits". Any "excess profits" become a dividend back to the customers.<br /><br />As you dig into it you will find the problems, inconveniences, and difficulties that a system like this can have. But it also does deliver a comparable quality of care.<br /><br />I personally think that the core of making this work was the attaching of insurance to the person rather than the employer. This provides continuity of many financial and care relationships, and it means that the insurance relationship is matched to the needs of the insured and insurers. It's impossible for any corporate HR group to negotiate one master insurance agreement while simultaneously matching the needs of all the employees.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-32053362.post-8647073693430552792011-03-03T08:37:40.667-05:002011-03-03T08:37:40.667-05:00As I understand it, the German population is gener...As I understand it, the German population is generally satisfied with their healthcare and health insurance system. However, people can opt out and access more comprehensive private insurance if they want to and can afford to. About 10% of the population chooses the private system. One way or another, the wealthy and upper middle class will always be able to trade up creating, in effect, a two tier system. Personally, I don’t have any problem with that as long as what’s available to the bulk of the population is widely perceived as “good enough.”Barry Carolnoreply@blogger.comtag:blogger.com,1999:blog-32053362.post-42126689088548844572011-03-03T06:55:00.845-05:002011-03-03T06:55:00.845-05:00I would next like to see a series on how you think...I would next like to see a series on how you think all this could be done better, perhaps drawing on your international experiences.<br /><br />nonlocalAnonymousnoreply@blogger.com