Benefit Package Design for Universal Health Coverage
The health insurance benefit package has been designed with a view to provide all citizens with the opportunity to receive the medical care they require without breaking their budget. The package is basically a financial tool which national governments employ to design and implement polices aimed at improving the overall health condition of the people. It aims at providing a sense of security to citizens by ensuring that they have access to all the basic health care facilities. The health care benefits offered to individuals are designed in such a manner that everyone pays their share to avail of the benefits.
Benefit packages have emerged as a money-saving solution to financing national health programs. There are two basic reasons why the universal health coverage has been introduced to address the financial sustainability issues faced by the health sector. The first is the attempt to deal with the escalating financial costs associated with maintaining the existing health system. Secondly, some states have also extended the benefits to individuals above 65 years old. This is an attempt to counter the increasing number of elderly who are experiencing increasing problems with regard to physical and mental health.
The introduction of universal health coverage is being accompanied by extensive research efforts to identify the optimal benefits for each individual. This is an essential step towards addressing the challenges associated with long term financial protection of the nation. The first priority of any government policy should be to ensure financial sustainability. The introduction of universal health coverage has helped significantly in the quest for overall financial protection for citizens.
The primary objective of introducing universal health coverage is to boost the economy by increasing the demand for health service providers
The increased demand for health service providers is expected to generate jobs for the growing population. At present, employment rates are stagnant or falling for many states across the US. This is primarily because of a lack of jobs in the manufacturing sector, or the lack of development of technology industries that have been the pillars of a strong and vibrant economy. Given the poor employment outlook, it is imperative that efforts are taken to ensure that everyone has access to adequate health services.
It is expected that medical cost control will become a major focus as the nation transitions to a new health care system. Most state governments have already adopted some form of coordinated care management, which focuses on coordinating health care costs between medical providers and health insurance companies. However, many people are still uninsured. As employers continue to close their doors, and income gaps continue to widen, it becomes increasingly difficult for people to meet their own personal healthcare needs. As a result, the role of the government becomes increasingly important in ensuring that all citizens have access to quality health care.
Universal health insurance coverage will allow people to buy into a health care plan regardless of pre-existing medical conditions. The primary motivation for purchasing health insurance is to reduce the financial burden of medical expenses. Since most people do not anticipate major medical issues, premiums are typically affordable. However, the increased cost of health care usually erodes the affordability of premiums. If money is not available to cover major medical expenses, some people choose to forego health insurance altogether.
Universal health benefit package designs should take care to ensure that all beneficiaries will receive the same benefits
For instance, most employers will likely provide some level of dental benefits. Many government agencies also offer dental care, and most senior citizens may even have received basic dental care as children. The same care should be extended to everyone, and all benefits paid should be made available to all beneficiaries.
Universal health care package design should also consider the financial consequences of shortening the time periods during which certain benefits are paid. Most employers will likely seek to retain employees for the duration of their contract. Over time, the loss of several days of coverage could lead to an increase in premiums, with corresponding increases in out-of-pocket expenses.