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Medical History Management Medical Economics Bioethics Medical Jurisprudence Rights Medical Anthropology
Risks of Surgical Conditions: Occurrence and Cost
Introducing Medical Students to Health Financing
Risks of Surgical Conditions: Occurrence and Cost
Average Family Hospitalization Expenses*** P 5,874 Poverty Threshold****  P 4,835 Percentage of Families Below Threshold**** 27.5 % *** FIES, 2000  **** NSCB, 2000
NDHS, 2008
 
Concepts & Contexts ALVIN B. CABALLES, MD
Salient Points ,[object Object],[object Object],[object Object],[object Object],ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010
Sourcing Strategies Scenarios Synergies ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010
ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 So why not just pay out-of-pocket? REMEMBER? Health services (and supplies) can be expensive (relative or absolute terms) Services needs to be paid, or else these will be under-provided Catastrophic health expenditures can lead to (further) financial ruin (& even worse health) Sourcing Strategies Scenarios Synergies
ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 More on “Catastrophic Health Expenditures” Sourcing Strategies Scenarios Synergies
ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 More on “Catastrophic Health Expenditures” Sourcing Strategies Scenarios Synergies
ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 More on “Catastrophic Health Expenditures” Sourcing Strategies Scenarios Synergies
ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Pooling Risks: Health & Financial Sourcing Strategies Scenarios Synergies
GOVERNMENT REVENUES ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Pooling Options Sourcing Strategies Scenarios Synergies Characteristics ,[object Object],[object Object],[object Object],Advantages ,[object Object],Disadvantages ,[object Object],[object Object],[object Object],[object Object]
PRIVATE INSURANCE ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Pooling Options Sourcing Strategies Scenarios Synergies Characteristics ,[object Object],[object Object],Advantages ,[object Object],[object Object],Disadvantages ,[object Object],[object Object],[object Object],[object Object],[object Object]
SOCIAL HEALTH INSURANCE ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Pooling Options Sourcing Strategies Scenarios Synergiess Characteristics ,[object Object],[object Object],[object Object],Advantages ,[object Object],[object Object],Disadvantages ,[object Object]
Once Again… ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies Pooling Options Private/Indemnity SHI Premiums Reflects Risk/Expected Loss Based on Ability to Pay Risk Spreading Group or Community Population/ ?Generations Insurer Commercial firms Public firms Government Subsidy May be indirect (tax incentive) Often highly subsidized
ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies Insurance Concerns Information Assymetry Moral Hazard Adverse Selection
ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies Insurance Concerns ,[object Object],[object Object],[object Object],[object Object]
Philippine Trends: Total ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
Philippine Trends: Main Sources ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
Philippine Trends: Health Insurance ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies NDHS, 2008
Philippine Trends: PHIC ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010
Demographic Transition: Double Burden ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies Preston, 1975
Demographic Transition: Financing Effects ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
Economic Growth & Health Financing Sustainability ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 TAKE HOME MESSAGES: Adequate financing is necessary not only to remedy poor health, but also to safeguard against (further) impoverishment Efficient pooling mechanisms are necessary to ensure the accessibility of essential health services especially for the poor, as well as to prevent financial ruin Adequate financing is necessary for the provision of health services, but this alone is not sufficient for ensuring the adequacy and efficiency of  provision Health is not a stand alone concern
Thank you for being a captive-ating audience
 
 
Managed Care in RP ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Indemnity Health Insurance ,[object Object],[object Object],[object Object],[object Object],[object Object]
Managed Care Plans ,[object Object],[object Object],[object Object],[object Object]
Types of MCP Firms ,[object Object],[object Object],[object Object],[object Object],[object Object]
Health Management Organization ,[object Object],[object Object],[object Object],[object Object],[object Object]
Preferred Provider Organization ,[object Object],[object Object],[object Object]
Point of Service Plans ,[object Object]
Insurance & Demand for Medical Care ,[object Object],[object Object],[object Object],[object Object]

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1.health financing 101 Dr. Caballes

  • 1. Medical History Management Medical Economics Bioethics Medical Jurisprudence Rights Medical Anthropology
  • 2. Risks of Surgical Conditions: Occurrence and Cost
  • 3. Introducing Medical Students to Health Financing
  • 4. Risks of Surgical Conditions: Occurrence and Cost
  • 5. Average Family Hospitalization Expenses*** P 5,874 Poverty Threshold**** P 4,835 Percentage of Families Below Threshold**** 27.5 % *** FIES, 2000 **** NSCB, 2000
  • 7.  
  • 8. Concepts & Contexts ALVIN B. CABALLES, MD
  • 9.
  • 10. Sourcing Strategies Scenarios Synergies ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010
  • 11. ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 So why not just pay out-of-pocket? REMEMBER? Health services (and supplies) can be expensive (relative or absolute terms) Services needs to be paid, or else these will be under-provided Catastrophic health expenditures can lead to (further) financial ruin (& even worse health) Sourcing Strategies Scenarios Synergies
  • 12. ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 More on “Catastrophic Health Expenditures” Sourcing Strategies Scenarios Synergies
  • 13. ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 More on “Catastrophic Health Expenditures” Sourcing Strategies Scenarios Synergies
  • 14. ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 More on “Catastrophic Health Expenditures” Sourcing Strategies Scenarios Synergies
  • 15. ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Pooling Risks: Health & Financial Sourcing Strategies Scenarios Synergies
  • 16.
  • 17.
  • 18.
  • 19. Once Again… ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies Pooling Options Private/Indemnity SHI Premiums Reflects Risk/Expected Loss Based on Ability to Pay Risk Spreading Group or Community Population/ ?Generations Insurer Commercial firms Public firms Government Subsidy May be indirect (tax incentive) Often highly subsidized
  • 20. ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies Insurance Concerns Information Assymetry Moral Hazard Adverse Selection
  • 21.
  • 22. Philippine Trends: Total ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
  • 23. Philippine Trends: Main Sources ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
  • 24. Philippine Trends: Health Insurance ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies NDHS, 2008
  • 25. Philippine Trends: PHIC ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
  • 26. ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010
  • 27. Demographic Transition: Double Burden ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies Preston, 1975
  • 28. Demographic Transition: Financing Effects ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
  • 29. ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
  • 30. Economic Growth & Health Financing Sustainability ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 Sourcing Strategies Scenarios Synergies
  • 31. ALVIN B. CABALLES, MD HEALTH FINANCING SUMMIT UP Diliman 14 April 2010 TAKE HOME MESSAGES: Adequate financing is necessary not only to remedy poor health, but also to safeguard against (further) impoverishment Efficient pooling mechanisms are necessary to ensure the accessibility of essential health services especially for the poor, as well as to prevent financial ruin Adequate financing is necessary for the provision of health services, but this alone is not sufficient for ensuring the adequacy and efficiency of provision Health is not a stand alone concern
  • 32. Thank you for being a captive-ating audience
  • 33.  
  • 34.  
  • 35.
  • 36.
  • 37.
  • 38.
  • 39.
  • 40.
  • 41.
  • 42.