Healthcare in the United States¶
- US: #1 at 17% of GDP ($8,508 per person per year) [OECD 2011]
- US: #36 at 79.8 (Women: 82.2, Men: 77.4) [WHO 2012]
- US: #47 at 5.2/1000 [CIA 2013]
- US: 11/11 (last place) [Commonwealth Fund 2014]
- US: #37 [WHO 2000]
Health Insurance in the United States¶
Health Insurance Programs¶
- Federal Employees Health Benefits
- Group Health Plans
- Federal Black Lung Benefits
- Correctional Healthcare
- “Medicare & Other Health Benefits: Your Guide to Who Pays First” CMMS http://www.medicare.gov/Pubs/pdf/02179.pdf
- “Health Plans & Benefits” http://www.dol.gov/dol/topic/health-plans/
Federal Employees Health Benefits¶
Group Health Plans¶
AKA “Private Health Insurance”
Federal Black Lung Benefits¶
AKA “Affordable Care Act” (ACA) (D. “Obamacare”)
See also: https://en.wikipedia.org/wiki/Massachusetts_health_care_reform (2006) (R. “Romneycare”)
See also: US > Cool Projects > Healthcare.gov
Health Information Exchange¶
- “Meaningful Use”
Conflict of Interest¶
- Who is going to pay for this?
- Medical Records
- How many times do we need to collect this information?
Medical Loss Ratio¶
% of costs spent on other areas (administration, advertising, profit) (“overhead”)
“Do we really spend a third of health care dollars on billing and bureaucracy?” http://www.politifact.com/oregon/statements/2012/may/11/jennifer-williamson/do-we-really-spend-nearly-third-health-care-dollar/
[...] the average medical loss ratio in the United States is about 80 percent. But the reason this study tacks on another 11 percent is that the medical loss ratio “does not take into account the cost of physicians to collect from insurance companies.”
PPACA Medical Loss Ratio limit: 85%/80%
The longer one waits to address a health concern, the more likely it is that it will be more costly.
Or, it’s less expensive for everyone to be proactive about our health.
- What “they” should do if they had any sense.
“Let’s just create another program”