health care Essay example

Submitted By mookiepookie
Words: 814
Pages: 4

The Bismarck and Beveridge models are great examples of healthcare. One not so great is the out of pocket model. Compared to the Bismarck and Beveridge models the out of pocket model is not that great. An analysis of health care in the U.S shows that not everyone has or gets health care because its too expensive like the out of pocket model; other models such as the Bismarck and Beveridge work the best. Otto von Bismarck, the Prussian chancellor invented welfare. The model uses insurance systems. It covers everyone but there is no profit made because healthcare is so cheap. The hospitals and doctors tend to be private and have about 240 different funds. The Bismarck is used in many places such as Germany of course, France , Belgium, Japan, The Netherlands, Switzerland and New Zealand. Japan, Germany and Switzerland use the model to near perfection. Japan has a GDP of 8 percent, Germany at 10.7 percent and Switzerland 11.6 percent. Japan uses the “social insurance” system which has all citizens have health insurance from work or from nonprofit community plan. The average premium plan is 280 dollars per month with their employers paying more than half and have co-payments being 30 percent of the procedure Japan keeps prices down so well that their hospitals are in danger. “In Denver, where I live, if you get an MRI of our neck region, it’s $1,200, and the doctor we visited in Japan says he gets $98 for and MRI” (Reid). Germany has not many differences. The premium is a little more costly at 750 dollars per month depending on the income. The co-payment is 10 euros but it is only every three months. Germany also uses the social insurance plan. It is considered the birthplace of social insurance. Unlike Japan, Germans can buy insurance from one of more than 200 nonprofit sickness funds. This works because they are nonprofit and cannot deny the coverage of citizens based on preexisting conditions. Just like Japan, Germany is a single payment system. With prices already set up, the copay would cost more to see a specialist without seeing a gatekeeper. The Beveridge model is not all that different.
William Beveridge, the designer of Britain's National Health Service, made this system so that the health care would be provided and that it would would be financed by the government through tax payments. Most of the clinics and hospitals are owned by the government. Some of the doctors are government employees and some doctors are paid by the government. There is never a doctor bill given to patients in Britain and tend to have lower costs per capita because the government controls what the doctor can charge and what they can do. There are variations of the beveridge model in Spain, most of Scandinavia, New Zealand and Hong kong but it still has its roots. This system is “socialized medicine,” the government both provides and pays for the health care through taxes. General Practitioners are paid based on number of patients they see. The GDP spent on health care is 8.3 percent. “Dr. Badat has had…