Who pays for health care... and who benefits?

Size: px
Start display at page:

Download "Who pays for health care... and who benefits?"

Transcription

1 Who pays for health care... and who benefits? SHIELD Tanzania Team Health Financing for Equity A National Forum 06 th September 2010

2 Key Questions Who is paying for health care in Tanzania and through which channels? What effect does payment for health care has on impoverishment of households? How are health care benefits distributed in the population? How does this distribution of benefits compare to need for health care?

3 Health Care Financing 3

4 Sources of Health Financing 4% 28% 45% 23% Taxes User Fees Donors Other Source: National Health Accounts 2008

5 Sources of Tax Revenue 9% 7% 16% 14% 11% Personal income tax Value Added Tax Import duty Source: TRA 43% Corporate income tax Excise tax Other

6 Key terms Equity measurement Health care payment as a % of household income across socio-economic groups Progressiveif the rich pay a higher % of income Preferred system Regressiveif the poor pay a higher % of income

7 Methods Household Budget Survey 2000/2001 SHIELD survey 2008 Sample sizes: 22,178 (HBS) 2,234(SHIELD) households Financing sources: Taxes Personal income tax, Corporate income tax, VAT, Excise tax & Import duty OOPs Insurance (CHF & NHIF) Donor funding

8 Household Income Distribution Share of Income 60% 50% 40% 30% 20% 10% 0% Poorest 20% Second Poorest 20% Middle Second Richest 20% Richest 20%

9 Tax Incidence 25% Shar re of Income 20% 15% 10% 5% 0% Poorest 20% Second Poorest 20% Middle Second Richest 20% Richest 20% Personal Income Tax Value Added Tax Import Duty Corporate Income Tax Excise Tax

10 Total Health Financing 6% Share of Income 5% 4% 3% 2% 1% 0% Poorest 20% Second Poorest 20% Middle Second Richest 20% Richest 20% ALLTAXES OOP NHIF CHF

11 Breakdown of household funding of health care 3% 1% 43% 53% ALLTAXES OOP NHIF CHF

12 OOPs & poverty in Tanzania

13 Conclusions on financing Financing through general tax is progressive and benefits all citizens Income tax most progressive but remains limited Certain taxes are regressive NHIF progressive, but beneficiaries still limited in number OOP is regressive, and damaging to the poor reduces overall progressivity of system CHF also regressive, due to focus on poor, and flat rate premium concern if premium increases and enrolment expands

14 Benefit Incidence Analysis 14

15 Benefit incidence Distribution of benefits from using health services across socio-economic groups Use of each type of health service x cost of each health service The more you use, the more you benefit The more expensive the service you use, the higher the benefit Pro poor -the poor gain more Pro rich -the rich gain more

16 Methods Utilisation data from SHIELD survey: 2,234 households (12,201 individuals) in 7 districts/councils Total monthly outpatient visits (annualised) Total annual inpatient admissions Unit cost data NHIF reimbursement rates ( ) Need =self assessed health status Focus Group discussions were conducted

17 Unit costs for outpatient care 17

18 Unit costs for inpatient care 18

19 Distribution of Public Outpatient Health Care Benefits of Benefits % Share 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% Primary District hospitals Reg. & Ref. hospitals All public sector Poorest 20% 2nd poorest Middle 2nd richest Richest 20%

20 % Share of Benefits Distribution of Outpatient Benefits from Private Providers 50% 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% Primary FBOs Hospital FBOs Private for profit Pharmacy Poorest 20% 2nd poorest Middle 2nd richest Richest 20%

21 Distribution of Inpatient Benefits 90% 80% % Shar re of Benefits 70% 60% 50% 40% 30% 20% 10% 0% Health centres & Dist. Hosp Reg. & Ref. hospitals Private FBO Poorest 20% 2nd poorest Middle 2nd richest Richest 20%

22 Total Benefits by Sector 50% 45% 40% % Share of Benefits 35% 30% 25% 20% 15% 10% 5% 0% Public Private FBO Poorest 20% 2nd poorest Middle 2nd richest Richest 20% 22

23 Total Benefits Vs Need 25% 20% 15% 10% 5% 0% Poorest 20% 2nd poorest Middle 2nd richest Richest 20 % Shares of benefits Need

24 Access barriers to use of health services Affordability constrains: Distance to the district/ and referral hospital Transport costs are a considerable barrier Difficulties in paying direct treatment cost to higher level services Availability constrains: Lack of drugs and diagnostic equipment Shortage of skilled health workers in many public facilities Acceptability constrains: Quality of health care services long waiting hours, lack of diagnostic equipment Poor staff attitudes

25 Conclusions on benefits Health care services overall in Tanzania benefit the rich more than the poor. In particular, the poorest 20% receive less benefit than they need. Benefits from outpatient care in public primary facilities and pharmacy/drug shops are pro-poor. Benefits from inpatient care in public health centres, district hospitals and faith-based facilities are propoor. Benefits from formal private facilities and outpatient public hospital care are pro-rich. Overcoming access barriers and quality is critical

26 Asanteni Sana

Rich-Poor Differences in Health Care Financing

Rich-Poor Differences in Health Care Financing Rich-Poor Differences in Health Care Financing Role of Communities and the Private Sector Alexander S. Preker World Bank October 28, 2003 Flow of Funds Through the System Revenue Pooling Resource Allocation

More information

POLICY BRIEF. Figure 1: Total, general government, and private expenditures on health as percentages of GDP

POLICY BRIEF. Figure 1: Total, general government, and private expenditures on health as percentages of GDP POLICY BRIEF Financial Burden of Health Payments in Mongolia The World Health Report 2010 drew attention to the fact that each year 150 million people globally are facing catastrophic health expenditures,

More information

Universal Health Coverage Assessment. Tanzania. Gemini Mtei and Suzan Makawia. Global Network for Health Equity (GNHE)

Universal Health Coverage Assessment. Tanzania. Gemini Mtei and Suzan Makawia. Global Network for Health Equity (GNHE) Universal Health Coverage Assessment: Tanzania Universal Health Coverage Assessment Tanzania Gemini Mtei and Suzan Makawia Global Network for Health Equity (GNHE) December 2014 1 Universal Health Coverage

More information

The Impact of Community-Based Health Insurance on Access to Care and Equity in Rwanda

The Impact of Community-Based Health Insurance on Access to Care and Equity in Rwanda TECH N IC A L B R I E F MARCH 16 Photo by Todd Shapera The Impact of Community-Based Health Insurance on Access to Care and Equity in Rwanda W ith support from The Rockefeller Foundation s Transforming

More information

Who pays and who benefits from health care? An assessment of equity in health care financing and benefit distribution in Tanzania

Who pays and who benefits from health care? An assessment of equity in health care financing and benefit distribution in Tanzania Published by Oxford University Press in association with The London School of Hygiene and Tropical Medicine ß The Author 2012; all rights reserved. Health Policy and Planning 2012;27:i23 i34 doi:10.1093/heapol/czs018

More information

MAKING PROGRESS TOWARDS UNIVERSAL HEALTH COVERAGE: COUNTRY POLICIES AND GLOBAL SUPPORT

MAKING PROGRESS TOWARDS UNIVERSAL HEALTH COVERAGE: COUNTRY POLICIES AND GLOBAL SUPPORT MAKING PROGRESS TOWARDS UNIVERSAL HEALTH COVERAGE: COUNTRY POLICIES AND GLOBAL SUPPORT Anne Mills London School of Hygiene and Tropical Medicine Improving health worldwide www.lshtm.ac.uk The goal of Universal

More information

Health Systems Science Thematic Group

Health Systems Science Thematic Group Health Systems Science Thematic Group Presented by: Gemini Mtei Outline Health System Science: General Focus Specific focus: Research project past 5 years Financing Human Resources for Health Service delivery

More information

STRATEGIC ENGAGEMENT OF THE PRIVATE SECTOR FOR GLOBAL HEALTH GOALS

STRATEGIC ENGAGEMENT OF THE PRIVATE SECTOR FOR GLOBAL HEALTH GOALS STRATEGIC ENGAGEMENT OF THE PRIVATE SECTOR FOR GLOBAL HEALTH GOALS A total market approach for UHC Presenters: Sean Callahan & John Campbell Jr. October 22 nd, 2018 1 IN SEVERAL LOW- AND MIDDLE-INCOME

More information

Universal Health Coverage Assessment. Republic of the Fiji Islands. Wayne Irava. Global Network for Health Equity (GNHE)

Universal Health Coverage Assessment. Republic of the Fiji Islands. Wayne Irava. Global Network for Health Equity (GNHE) Universal Health Coverage Assessment Republic of the Fiji Islands Wayne Irava Global Network for Health Equity (GNHE) July 2015 1 Universal Health Coverage Assessment: Republic of the Fiji Islands Prepared

More information

Universal Health Coverage Assessment. Zambia. Bona M. Chitah and Dick Jonsson. Global Network for Health Equity (GNHE)

Universal Health Coverage Assessment. Zambia. Bona M. Chitah and Dick Jonsson. Global Network for Health Equity (GNHE) Universal Health Coverage Assessment Zambia Bona M. Chitah and Dick Jonsson Global Network for Health Equity (GNHE) June 2015 1 Universal Health Coverage Assessment: Zambia Prepared by Bona M. Chitah and

More information

Universal Health Coverage Assessment. Hong Kong. Cheuk Nam Wong and Keith YK Tin. Global Network for Health Equity (GNHE)

Universal Health Coverage Assessment. Hong Kong. Cheuk Nam Wong and Keith YK Tin. Global Network for Health Equity (GNHE) Universal Health Coverage Assessment Hong Kong Cheuk Nam Wong and Keith YK Tin Global Network for Health Equity (GNHE) July 2015 1 Universal Health Coverage Assessment: Hong Kong Prepared by Cheuk Nam

More information

Universal Health Coverage Assessment: Taiwan. Universal Health Coverage Assessment. Taiwan. Jui-fen Rachel Lu. Global Network for Health Equity (GNHE)

Universal Health Coverage Assessment: Taiwan. Universal Health Coverage Assessment. Taiwan. Jui-fen Rachel Lu. Global Network for Health Equity (GNHE) Universal Health Coverage Assessment Taiwan Jui-fen Rachel Lu Global Network for Health Equity (GNHE) December 2014 1 Universal Health Coverage Assessment: Taiwan Prepared by Jui-fen Rachel Lu 1 For the

More information

Mitigating the Impact of the Global Economic Crisis on Household Health Spending

Mitigating the Impact of the Global Economic Crisis on Household Health Spending 50834 Mitigating the Impact of the Global Economic Crisis on Household Health Spending Elizabeth Docteur Key Messages The economic crisis is impacting the ability of households in ECA countries to pay

More information

A health financing reform solution for Kenya: Expansion of National Hospital Insurance Fund (NHIF)

A health financing reform solution for Kenya: Expansion of National Hospital Insurance Fund (NHIF) GLOBAL JOURNAL OF MEDICINE AND PUBLIC HEALTH A health financing reform solution for Kenya: Expansion of National Hospital Insurance Fund (NHIF) Reena Anthonyraj * ABSTRACT Kenya is a low income country

More information

Towards a universal health system in South Africa: Proposals, challenges and prospects

Towards a universal health system in South Africa: Proposals, challenges and prospects Towards a universal health system in South Africa: Proposals, challenges and prospects Di McIntyre Health Economics Unit University of Cape Town Fourth Dr AB Xuma Memorial Lecture Dr AB Xuma 8 March 1893

More information

Ashadul Islam Director General, Health Economics Unit Ministry of Health and Family Welfare

Ashadul Islam Director General, Health Economics Unit Ministry of Health and Family Welfare Ashadul Islam Director General, Health Economics Unit Ministry of Health and Family Welfare 1 Indicator 2000-01 2012-14 Population (WDI) 132,383,265 156,594,962 Maternal mortality ratio (per 100,000 live

More information

KEY LESSONS LEARNED AND CHALLENGES FACED: THE GHANA EXPERIENCE. Nathaniel Otoo

KEY LESSONS LEARNED AND CHALLENGES FACED: THE GHANA EXPERIENCE. Nathaniel Otoo KEY LESSONS LEARNED AND CHALLENGES FACED: THE GHANA EXPERIENCE Nathaniel Otoo Content History of health coverage in Ghana Evolution of CBHI in Ghana Design of the NHIS NHIS Operational Performance Financial

More information

Can people afford to pay for health care?

Can people afford to pay for health care? Can people afford to pay for health care? New evidence on financial protection in Lithuania Liuba Murauskienė Sarah Thomson Lithuania WHO Barcelona Office for Health Systems Strengthening 2 The WHO Barcelona

More information

Health financing and NHI in South Africa: why do we need a reform?

Health financing and NHI in South Africa: why do we need a reform? Health financing and NHI in South Africa: why do we need a reform? John E. Ataguba, PhD Health Economics Unit School of Public Health & Family Medicine University of Cape Town 04 May 2016 Health Systems

More information

Universal Health Coverage Assessment: Nepal. Universal Health Coverage Assessment. Nepal. Shiva Raj Adhikari. Global Network for Health Equity (GNHE)

Universal Health Coverage Assessment: Nepal. Universal Health Coverage Assessment. Nepal. Shiva Raj Adhikari. Global Network for Health Equity (GNHE) Universal Health Coverage Assessment Nepal Shiva Raj Adhikari Global Network for Health Equity (GNHE) December 2015 1 Universal Health Coverage Assessment: Nepal Prepared by Shiva Raj Adhikari 1 For the

More information

UNDERSTANDING THE DISTINCTION BETWEEN IN-NETWORK AND OUT-OF-NETWORK PROVIDERS/FACILITIES

UNDERSTANDING THE DISTINCTION BETWEEN IN-NETWORK AND OUT-OF-NETWORK PROVIDERS/FACILITIES UNDERSTANDING THE DISTINCTION BETWEEN IN-NETWORK AND OUT-OF-NETWORK PROVIDERS/FACILITIES This notice is being provided to assist employees participating in the College s medical plans, offered through

More information

OPERATING ENGINEERS LOCAL UNION #399 EMPLOYEES BENEFITS SUMMARY

OPERATING ENGINEERS LOCAL UNION #399 EMPLOYEES BENEFITS SUMMARY OPERATING ENGINEERS LOCAL UNION #399 EMPLOYEES BENEFITS SUMMARY Medical Insurance Bradley University offers a Preferred Provider Organization (PPO) and a Qualified High Deductible Health Plan (QHDHP).

More information

Benefits Extension of Health Insurance in South Korea: Impacts and Future Prospects

Benefits Extension of Health Insurance in South Korea: Impacts and Future Prospects Benefits Extension of Health Insurance in South Korea: Impacts and Future Prospects Asia Health Policy Program Stanford University Jan 27, 2015 Soonman KWON (School of Public Health, Seoul Nat. Univ.)

More information

Patient Information. Financial Handbook For Liver Transplant Patients

Patient Information. Financial Handbook For Liver Transplant Patients Patient Information Financial Handbook For Liver Transplant Patients Beaumont Transplant Clinic Directory Beaumont Hospital, Royal Oak Medical Office Building 3535 West 13 Mile Road, Suite 644 Royal Oak,

More information

ZIMBABWE HEALTH FINANCING. GWATI GWATI Health Economist: Planning and Donor Coordination MOHCC Technical team leader National Health Accounts.

ZIMBABWE HEALTH FINANCING. GWATI GWATI Health Economist: Planning and Donor Coordination MOHCC Technical team leader National Health Accounts. ZIMBABWE HEALTH FINANCING GWATI GWATI Health Economist: Planning and Donor Coordination MOHCC Technical team leader National Health Accounts. Our approach to HFP Development Key steps in the development

More information

EXEMPT EMPLOYEE BENEFITS SUMMARY

EXEMPT EMPLOYEE BENEFITS SUMMARY EXEMPT EMPLOYEE BENEFITS SUMMARY Medical Insurance Bradley University offers a Preferred Provider Organization (PPO) and a Qualified High Deductible Health Plan (QHDHP). The PPO & the QHDHP automatically

More information

Benefit Incidence, Financing Incidence and Need of Healthcare Services in South Africa

Benefit Incidence, Financing Incidence and Need of Healthcare Services in South Africa Benefit Incidence, Financing Incidence and Need of Healthcare Services in South Africa Dr Paula Armstrong, Mariné Erasmus & Elize Rich In the context of the envisaged implementation of National Health

More information

Measuring Universal Coverage

Measuring Universal Coverage Measuring Universal Coverage Ke Xu Health Systems Financing World Health Organization 27April 2011, Seattle Institute for Health Metrics and Evaluation Outline Universal coverage Financial risk protection

More information

Methods of Financial Costing Analysis. Jeremy Lauer, WHO (Geneva)

Methods of Financial Costing Analysis. Jeremy Lauer, WHO (Geneva) Methods of Financial Costing Analysis Jeremy Lauer, WHO (Geneva) Objectives of this session The role of financial cost analysis in the planning process Overview of the Financial Costing Tool for Breast

More information

The role of subsidized health in promoting access to affordable quality health care: the case of Kwara State community health insurance (Nigeria)

The role of subsidized health in promoting access to affordable quality health care: the case of Kwara State community health insurance (Nigeria) The role of subsidized health in promoting access to affordable quality health care: the case of Kwara State community health insurance (Nigeria) 1 Overview Presentation 1. Facts on health in Africa &

More information

NATIONAL HEALTH ACCOUNTS YEAR 2010

NATIONAL HEALTH ACCOUNTS YEAR 2010 UNITED REPUBLIC OF TANZANIA MINISTRY OF HEALTH AND SOCIAL WELFARE NATIONAL HEALTH ACCOUNTS YEAR 2010 WITH SUB-ACCOUNTS FOR HIV AND AIDS, MALARIA, REPRODUCTIVE AND CHILD HEALTH better systems, better health

More information

Singapore Health System An Exploratory Study

Singapore Health System An Exploratory Study Singapore Health System An Exploratory Study Wong Soon Leong 14 th October 2016 Contributing members: Samuel Tan, Mark Lim, Lim Tien Yung, Lin Fang Cheng and Rain Tan 1 Next 30 minutes 2 Agenda Overview

More information

Presentation to SAMA Conference 2015

Presentation to SAMA Conference 2015 Presentation to SAMA Conference 2015 NHI MODEL, RELATIONSHIP TO FINANCE AND ITS EFFECTS ON PUBLIC AND PRIVATE MEDICAL PRACTITIONERS Date: 19 SEPTEMBER 2015 Venue: Sandton Convention Centre Dr Aquina Thulare

More information

Highlights of your Healthcare Coverage: EasyChoice A

Highlights of your Healthcare Coverage: EasyChoice A Highlights of your Healthcare Coverage: EasyChoice A Premera Education Program Effective Date: 11/01/2017 Any deductibles, copays, and coinsurance percentages shown are amounts for which you re responsible.

More information

ASSESSMENT OF FINANCIAL PROTECTION IN THE VIET NAM HEALTH SYSTEM: ANALYSES OF VIETNAM LIVING STANDARD SURVEY DATA

ASSESSMENT OF FINANCIAL PROTECTION IN THE VIET NAM HEALTH SYSTEM: ANALYSES OF VIETNAM LIVING STANDARD SURVEY DATA WORLD HEALTH ORGANIZATION IN VIETNAM HA NOI MEDICAL UNIVERSITY Research report ASSESSMENT OF FINANCIAL PROTECTION IN THE VIET NAM HEALTH SYSTEM: ANALYSES OF VIETNAM LIVING STANDARD SURVEY DATA 2002-2010

More information

MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ PPO COMPARISON OF BENEFITS

MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ PPO COMPARISON OF BENEFITS Fiscal 2017 2018 MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ PPO COMPARISON OF S ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

More information

Developing Affordable and Innovative Health Insurance Products

Developing Affordable and Innovative Health Insurance Products Developing Affordable and Innovative Health Insurance Products Engaging Key Stakeholders. Dr. Nelson Gitonga SHOPS Policy Advisor November 22 nd, 2012 SHOPS is funded by the U.S. Agency for International

More information

2016 Medicare Deductibles and Premiums

2016 Medicare Deductibles and Premiums 2016 Medicare Deductibles and Premiums Yesterday the Centers for Medicare & Medicaid Services (CMS) announced the 2016 premiums and deductibles for the Medicare inpatient hospital (Part A) and physician

More information

A New Health Care Programme for Bermuda s Seniors

A New Health Care Programme for Bermuda s Seniors FUTURE CARE A New Health Care Programme for Bermuda s Seniors Frequently Asked Questions FutureCare provides you easy access to affordable, effective and co-ordinated healthcare. Below are some of your

More information

Measuring financial protection: an approach for the WHO European Region

Measuring financial protection: an approach for the WHO European Region Division of Health Systems and Public Health WHO Regional Office for Europe Measuring financial protection: an approach for the WHO European Region Jon Cylus WHO Barcelona Office for Health Systems Strengthening

More information

ETHIOPIA S FIFTH NATIONAL HEALTH ACCOUNTS, 2010/2011

ETHIOPIA S FIFTH NATIONAL HEALTH ACCOUNTS, 2010/2011 Federal Democratic Republic of Ethiopia Ministry of Health ETHIOPIAN HEALTH ACCOUNTS HOUSEHOLD HEALTH SERVICE UTILIZATION AND EXPENDITURE SURVEY BRIEF ETHIOPIA S 2015/16 FIFTH NATIONAL HEALTH ACCOUNTS,

More information

Policy Brief. Medical Insurance for the Poor: impact on access and affordability of health services in Georgia. Key Messages:

Policy Brief. Medical Insurance for the Poor: impact on access and affordability of health services in Georgia. Key Messages: Medical Insurance for the Poor: impact on access and affordability of health services in Georgia Policy Brief The health care in Georgia is currently affordable for very rich and very poor Key informant

More information

Highlights of your Healthcare Coverage: Qualified High Deductible Health Plan

Highlights of your Healthcare Coverage: Qualified High Deductible Health Plan Highlights of your Healthcare Coverage: Qualified High Deductible Health Plan Premera Education Program Effective Date: 11/01/2017 Any deductibles, copays, and coinsurance percentages shown are amounts

More information

Medicaid: A Lower-Cost Approach to Serving a High-Cost Population

Medicaid: A Lower-Cost Approach to Serving a High-Cost Population P O L I C Y kaiser commission on medicaid and the uninsured March 2004 B R I E F : A Lower-Cost Approach to Serving a High-Cost Population is our nation s principal provider of health insurance coverage

More information

Plan Year Benefits Plan Overview

Plan Year Benefits Plan Overview UC Santa Barbara Visiting Scholar Benefit Plan Plan Year 2016-2017 Benefits Plan Overview GARNETT-POWERS & ASSOCIATES, INC. Disclaimer: This benefit plan information shown in this benefits plan overview

More information

Volusia County School Board Medical Insurance Strategy 2016 and Beyond. November 10, 2015

Volusia County School Board Medical Insurance Strategy 2016 and Beyond. November 10, 2015 Volusia County School Board Medical Insurance Strategy 2016 and Beyond November 10, 2015 Table of Contents Current Plans Summary Experience Reducing and Managing Health Care Spending 2016/17 Renewal Options

More information

UNIVERSAL HEALTH COVERAGE: holding countries to account

UNIVERSAL HEALTH COVERAGE: holding countries to account UNIVERSAL HEALTH COVERAGE: holding countries to account UHC AND SUSTAINABLE FINANCING Dr Ravindra Rannan-Eliya Director Health Policy Institute Sri Lanka WHAT IS UHC? WHO definition all people receiving

More information

An Introduction to Medicare

An Introduction to Medicare An Introduction to Medicare Medicare can be confusing, but we re here to help you and your employees make sense of it all. This Medicare overview is a great place to start. It goes over the Medicare basics

More information

Number Obstacles in the process. of establishing sustainable. National Health Insurance Scheme: insights from Ghana

Number Obstacles in the process. of establishing sustainable. National Health Insurance Scheme: insights from Ghana WHO/HSS/HSF/PB/10.01 Number 1 2010 Obstacles in the process of establishing sustainable National Health Insurance Scheme: insights from Ghana Department of Health Systems Financing Health Financing Policy

More information

Universal Health Coverage Assessment. Ghana. Bertha Garshong and James Akazili. Global Network for Health Equity (GNHE)

Universal Health Coverage Assessment. Ghana. Bertha Garshong and James Akazili. Global Network for Health Equity (GNHE) Universal Health Coverage Assessment Ghana Bertha Garshong and James Akazili Global Network for Health Equity (GNHE) July 2015 1 Universal Health Coverage Assessment: Ghana Prepared by Bertha Garshong

More information

Highlights of your Health Care Coverage

Highlights of your Health Care Coverage Group Number: 1018813 Effective Date: 01/01/2017 *Premera Blue Cross believes this plan is a grandfathered health plan under the Affordable Care Act. For more information, please refer to your Benefit

More information

What s Changing 2013 and Beyond

What s Changing 2013 and Beyond What s Changing 2013 and Beyond New Labor Contracts: NYNE Associates October 30, 2012 New Hire Retirement Benefits New Hires October 28, 2012 and later: Not eligible for defined benefit pension plan Eligible

More information

Sri Lanka s Health Sector

Sri Lanka s Health Sector Sri Lanka s Health Sector Issues, Challenges and Future Dr Ravi P. Rannan-Eliya Director Institute for Health Policy www.ihp.lk Ceylon Chamber of Commerce Colombo 26 September 2005 Outline A performance

More information

Aetna Medicare 2015 Benefits at a Glance

Aetna Medicare 2015 Benefits at a Glance 02 Aetna Medicare 2015 Benefits at a Glance Colorado Aetna Medicare SM Plan (HMO) (PPO) Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Jefferson Compare our medical and prescription drug coverage

More information

Colombia REACHING THE POOR WITH HEALTH SERVICES. Using Proxy-Means Testing to Expand Health Insurance for the Poor. Public Disclosure Authorized

Colombia REACHING THE POOR WITH HEALTH SERVICES. Using Proxy-Means Testing to Expand Health Insurance for the Poor. Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized REACHING THE POOR WITH HEALTH SERVICES Colombia s poor now stand a chance of holding

More information

LAWS OF ALASKA AN ACT

LAWS OF ALASKA AN ACT LAWS OF ALASKA 01 Source CSHB 1(FIN) Chapter No. AN ACT Relating to workers' compensation fees for medical treatment and services; relating to workers' compensation regulations; and providing for an effective

More information

Health Care Reform at-a-glance

Health Care Reform at-a-glance Health Care Reform at-a-glance August 2015 Table of Contents Employer mandate...3 Individual mandate...3 Health plan provisions applying to both grandfathered and non-grandfathered employer plans...4 Health

More information

Prescription Drug Expenditures and Healthcare Burdens in the Medicaid Population. G. Edward Miller, Jessica S. Banthin and Thomas M.

Prescription Drug Expenditures and Healthcare Burdens in the Medicaid Population. G. Edward Miller, Jessica S. Banthin and Thomas M. Prescription Drug Expenditures and Healthcare Burdens in the Medicaid Population G. Edward Miller, Jessica S. Banthin and Thomas M. Selden September 23, 2008 Health Care Financial Burdens in the Medicaid

More information

Key issues in equitable health care financing in East and Southern Africa

Key issues in equitable health care financing in East and Southern Africa Key issues in equitable health care financing in East and Southern Africa Di McIntyre 1, Veloshnee Govender 1, Esther Buregyeya 2, Derek Chitama 3, Edward Kataika 4, Eunice Kyomugisha 2, Rosette Kyomuhangi

More information

County of Sonoma. Distributed to JLMBC on December 7, 2011

County of Sonoma. Distributed to JLMBC on December 7, 2011 County of Sonoma Actuarial Valuation and Review of Other Postemployment Benefits (OPEB) as of June 30, 2011 In accordance with GASB Statements No. 43 and No. 45 Copyright 2011 by The Segal Group, Inc.,

More information

Plan Comparison Checklist

Plan Comparison Checklist Plan Comparison Checklist Date: The chart below should serve as a comprehensive guide for users when comparing health insurance plans during open enrollment. This chart is also used by Compass case managers

More information

Important Questions Answers Why this Matters: Is there an overall annual limit on what the plan pays?

Important Questions Answers Why this Matters: Is there an overall annual limit on what the plan pays? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy from the Open Enrollment Self Service site. Important Questions Answers Why this

More information

PROJECT INFORMATION DOCUMENT (PID) APPRAISAL STAGE

PROJECT INFORMATION DOCUMENT (PID) APPRAISAL STAGE Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized PROJECT INFORMATION DOCUMENT (PID) APPRAISAL STAGE Project Name Kosovo Health Project

More information

Plan Year Benefit Plan Overview

Plan Year Benefit Plan Overview UCLA Visiting Scholar Benefit Plan Plan Year 2018 2019 Benefit Plan Overview GARNETT-POWERS & ASSOCIATES, INC. Version 3.0 / Revised 07.21.17 UCLA Visiting Scholar Benefit Plan All International Visiting

More information

2014 Side-by-side comparison between the Aetna CDHP and the Aetna PPO for Medical Coverage

2014 Side-by-side comparison between the Aetna CDHP and the Aetna PPO for Medical Coverage 2014 Side-by-side comparison between the and the for Medical Coverage Medical Coverage Carrier Aetna Aetna Aetna Aetna Deductible Individual $1,750 $3,250 $750 $2,250 Family $3,500 $6,500 $1,500 $4,500

More information

YOU AND THE 2019 CONSUMER DRIVEN HEALTH PLAN (CDHP)

YOU AND THE 2019 CONSUMER DRIVEN HEALTH PLAN (CDHP) YOU AND THE 2019 CONSUMER DRIVEN HEALTH PLAN (CDHP) The Consumer Driven Health Plan (CDHP), coupled with a Health Savings Account (HSA), is an innovative health plan that helps to reduce healthcare costs.

More information

Assessment of People s Views of Thailand s Universal Coverage (UC): A Field Survey in Thangkwang Subdistrict, Khonkaen

Assessment of People s Views of Thailand s Universal Coverage (UC): A Field Survey in Thangkwang Subdistrict, Khonkaen Southeast Asian Studies, Vol. 44, No. 2, September 2006 Assessment of People s Views of Thailand s Universal Coverage (UC): A Field Survey in Thangkwang Subdistrict, Khonkaen Chalermpol CHAMCHAN and MIZUNO

More information

Universal health coverage A review of Commonwealth hybrid mixed funding models

Universal health coverage A review of Commonwealth hybrid mixed funding models Universal health coverage A review of Commonwealth hybrid mixed funding models Dr Ravi P. Rannan-Eliya Institute for Health Policy, Sri Lanka Global Network for Health Equity (GNHE), Asia Network for Capacity

More information

Plan Year Benefit Plan Overview

Plan Year Benefit Plan Overview UCSD Visiting Scholar Benefit Plan Plan Year 2017 2018 Benefit Plan Overview GARNETT-POWERS & ASSOCIATES, INC. Version 3.0 / Revised 07.21.17 UCSD Visiting Scholar Benefit Plan All International Visiting

More information

Open Enrollment Presentation. Effective Date: January 1, 2014

Open Enrollment Presentation. Effective Date: January 1, 2014 Open Enrollment Presentation Effective Date: January 1, 2014 Agenda Welcome to Tufts Health Plan Provider Network Plan Design Emergency/Urgent care Prescription Coverage Transition of Care Value Added

More information

Garden Grove Unified School District. Health and Welfare Benefits

Garden Grove Unified School District. Health and Welfare Benefits Garden Grove Unified School District Health and Welfare Benefits 2015-2016 Benefit Package As a benefited employee, you are entitled to a comprehensive benefits package including: Medical Dental Vision

More information

Is congestion pricing fair?

Is congestion pricing fair? KTH ROYAL INSTITUTE OF TECHNOLOGY Is congestion pricing fair? Consumer and citizen perspectives on equity effects Jonas Eliasson Head of Stockholm City Transportation Department Professor transport systems

More information

Health Service System Board

Health Service System Board Health Service System Board Q2 2013 Dashboard Summary Report A Review of City Plan Inpatient, Outpatient, and Rx Trends November 14, 2013 Prepared by Aon Hewitt Health and Benefits Introduction This report

More information

REPORT OF THE COUNCIL ON MEDICAL SERVICE. (J. Leonard Lichtenfeld, MD, Chair)

REPORT OF THE COUNCIL ON MEDICAL SERVICE. (J. Leonard Lichtenfeld, MD, Chair) REPORT OF THE COUNCIL ON MEDICAL SERVICE CMS Report -A-0 Subject: Presented by: Referred to: Appropriate Hospital Charges David O. Barbe, MD, Chair Reference Committee G (J. Leonard Lichtenfeld, MD, Chair)

More information

HIGHLIGHTS OF THE HEALTH REFORM RECONCILIATION BILL AS OF 3/15/2010

HIGHLIGHTS OF THE HEALTH REFORM RECONCILIATION BILL AS OF 3/15/2010 HIGHLIGHTS OF THE HEALTH REFORM RECONCILIATION BILL AS OF 3/15/2010 Health Insurance Expansion Makes the tax credits for health insurance premiums more generous for individuals and families with incomes

More information

THE DISTRIBUTIONAL EFFECTS OF THE VAT IN OECD COUNTRIES

THE DISTRIBUTIONAL EFFECTS OF THE VAT IN OECD COUNTRIES THE DISTRIBUTIONAL EFFECTS OF THE VAT IN OECD COUNTRIES Alastair Thomas Centre for Tax Policy and Administration, OECD OECD Global Forum on VAT 17-18 April / Tokyo, Japan Outline of presentation Methodology

More information

Navajo County Schools EBT

Navajo County Schools EBT Navajo County Schools EBT Affordable Care Act (ACA) Update Aaron Polkoski Segal Consulting January 31st, 2014 Copyright 2013 by The Segal Group, Inc., parent of The Segal Company. All rights reserved.

More information

Health service financing for universal coverage in east and southern Africa

Health service financing for universal coverage in east and southern Africa Health service financing for universal coverage in east and southern Africa Di McIntyre Health Economics Unit, School of Public Health and Family Medicine, University of Cape Town Regional Network for

More information

Can people afford to pay for health care?

Can people afford to pay for health care? Can people afford to pay for health care? New evidence on financial protection in Latvia Maris Taube Edmunds Vaskis Oksana Nesterenko Latvia WHO Barcelona Office for Health Systems Strengthening 2 The

More information

Frequently Asked Questions For Berklee Students Student Health Insurance Plan

Frequently Asked Questions For Berklee Students Student Health Insurance Plan Frequently Asked Questions For Berklee Students 2017-2018 Student Health Insurance Plan Table of Contents How do I?... 2 Insurance Plan Benefits... 4 What is covered under the Student Health Insurance

More information

Summary of Benefits for VSCUP PAT and SUP Bargaining Unit Positions

Summary of Benefits for VSCUP PAT and SUP Bargaining Unit Positions Summary of Benefits for VSCUP PAT and SUP Bargaining Unit Positions Note: The appropriate benefits forms and additional information are available from the college human resources office. MEDICAL/DENTAL

More information

Universal Health Coverage Assessment. Uganda. Zikusooka CM, Kwesiga B, Lagony S, Abewe C. Global Network for Health Equity (GNHE)

Universal Health Coverage Assessment. Uganda. Zikusooka CM, Kwesiga B, Lagony S, Abewe C. Global Network for Health Equity (GNHE) Universal Health Coverage Assessment: Uganda Universal Health Coverage Assessment Uganda Zikusooka CM, Kwesiga B, Lagony S, Abewe C Global Network for Health Equity (GNHE) December 2014 1 Universal Health

More information

Federal Spending on Brand Pharmaceuticals. April 2011

Federal Spending on Brand Pharmaceuticals. April 2011 Federal Spending on Brand Pharmaceuticals April 2011 Summary Avalere Health estimates that manufacturers of brand-name prescription drugs will receive about $777 billion in revenues from the sales of outpatient

More information

Health Benefits Briefing

Health Benefits Briefing Health Benefits Briefing Teacher Retirement System of Texas December 7, 2016 Copyright 2015 GRS All rights reserved. TRS-Care Health Care Program For Retired Public School Employees and Their Dependents

More information

Linking Social Franchising Clinics to Health Financing Mechanisms. Joyce Wanderi- Maina PS Kenya

Linking Social Franchising Clinics to Health Financing Mechanisms. Joyce Wanderi- Maina PS Kenya Linking Social Franchising Clinics to Health Financing Mechanisms Joyce Wanderi- Maina PS Kenya Context Kenya Universal health coverage is a government priority in Kenya Decision made to anchor the country

More information

Home city Home state Home ZIP. Mailing city Mailing state Mailing ZIP. Month Year

Home city Home state Home ZIP. Mailing city Mailing state Mailing ZIP. Month Year Blue Shield of California Medicare Supplement Plan Guaranteed Acceptance application Please use this application only for current Blue Shield Medicare Supplement plan members who are transferring to a

More information

Frequently Asked & Answered Questions NY Health and Medicare

Frequently Asked & Answered Questions NY Health and Medicare Frequently Asked & Answered Questions NY Health and Medicare Pending state legislation known as NY Health would ensure that ALL New Yorkers have comprehensive insurance coverage through a single payer

More information

OPEN ENROLLMENT GUIDE

OPEN ENROLLMENT GUIDE 2018 BENEFITS OPEN ENROLLMENT GUIDE GUIDE October 25 November 8, 2017 For members of HUCTW who retired on or after 7/5/11 and members of ATC, Local 26, HUPA, HUSPMGU, or SEIU who retired on or after 9/4/14

More information

Opening Statement by Dr. Brian Turner Department of Economics, Cork University Business School, University College Cork Committee on the Future of

Opening Statement by Dr. Brian Turner Department of Economics, Cork University Business School, University College Cork Committee on the Future of Opening Statement by Dr. Brian Turner Department of Economics, Cork University Business School, University College Cork Committee on the Future of Healthcare, 25 th January 2017 I would like to begin by

More information

BENEFITS-AT-A-GLANCE Effective: October 1, 2017 September 30, 2018

BENEFITS-AT-A-GLANCE Effective: October 1, 2017 September 30, 2018 BENEFITS-AT-A-GLANCE Effective: October 1, 2017 September 30, 2018 Plan Name: Middletown City Schools Health Benefit Plan Type of Plan: Indemnity with PPO Benefit; No Referral Required Basic hospital benefits;

More information

Project Information Document/ Identification/Concept Stage (PID)

Project Information Document/ Identification/Concept Stage (PID) Public Disclosure Authorized The World Bank Public Disclosure Authorized Public Disclosure Authorized Project Information Document/ Identification/Concept Stage (PID) Concept Stage Date Prepared/Updated:

More information

Regence Selections 90/60/20 Major Features Monthly Contribution Rate $ Full Family $ Full Family Copayments Office Visits ER Visits

Regence Selections 90/60/20 Major Features Monthly Contribution Rate $ Full Family $ Full Family Copayments Office Visits ER Visits WASHINGTON TEAMSTERS WELFARE TRUST Medical Plans Comparison 2010 Plans A and B to Pierce County s Plan, Preferred Plan 100/, and Selections This summary is not intended to be an all-inclusive description

More information

Social Health Protection In Lao PDR

Social Health Protection In Lao PDR Social Health Protection In Lao PDR Presented by Lao Team in the International Forum on the development of Social Health Protection in the Southeast Asian Region Hanoi, 27-28/10/2014 Presentation Outline

More information

Evidence-Based Program Reimbursement Strategies. Timothy P. McNeill, RN, MPH

Evidence-Based Program Reimbursement Strategies. Timothy P. McNeill, RN, MPH Evidence-Based Program Reimbursement Strategies Timothy P. McNeill, RN, MPH 1 Medicare & Value Based Purchasing 2 Medicare Advantage Changes 3 DSMT Requirements 4 CDSME Tip Sheet Opportunities for EB Programs

More information

HOUSE-SENATE COMPARISON OF KEY PROVISIONS

HOUSE-SENATE COMPARISON OF KEY PROVISIONS HOUSE-SENATE COMPARISON OF KEY PROVISIONS The House- and Senate-passed health reform bills are based on the plan set out by President Obama in his campaign and shaped during the legislative process. As

More information

MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ HMO COMPARISON OF BENEFITS

MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ HMO COMPARISON OF BENEFITS Fiscal Year 2016 2017 MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ HMO COMPARISON OF S ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

More information

Universal Health Care for Sustainable Development

Universal Health Care for Sustainable Development Universal Health Care for Sustainable Development Reinhard Busse, Prof. Dr. med. MPH Department of Health Care Management Berlin University of Technology (WHO CollaboratingCentreforHealth Systems Research

More information

Health insurance before, during and after(?) crisis ESTONIAN CASE

Health insurance before, during and after(?) crisis ESTONIAN CASE Health insurance before, during and after(?) crisis ESTONIAN CASE Triin Habicht Head of Department of Health Care THE HEALTH SYSTEM AND ECONOMIC DOWNTURNS : IDENTIFYING AND MANAGING RISKS SEPTEMBER 27,

More information

Employer Sponsored Healthcare Coverage for Retirees Eligible for Medicare NATIONAL HEALTH POLICY FORUM

Employer Sponsored Healthcare Coverage for Retirees Eligible for Medicare NATIONAL HEALTH POLICY FORUM Employer Sponsored Healthcare Coverage for Retirees Eligible for Medicare NATIONAL HEALTH POLICY FORUM December 9, 2011 George Wagoner Richmond Employer-Sponsored Healthcare Coverage for Retirees Eligible

More information

Health Plan Update Open Enrollment 2017

Health Plan Update Open Enrollment 2017 Health Plan Update Open Enrollment 2017 Health Plan Update Health Plan rates will increase by 5.7% overall effective October 1, 2017 True increase is closer to 11% Subsidy of $1.6 million voted by Plan

More information