Ba daidai ba ne a matsayin Ma'aikatar Kiwon Lafiya ta Ƙari
"Kiwon lafiya na duniya" ko "ɗaukar hoto na duniya" yana nufin tsarin rarraba albarkatun kiwon lafiya inda kowa yana kariya ga ayyukan kiwon lafiya na musamman kuma babu wanda aka ƙi kulawa idan dai ya kasance mazaunin doka a cikin ƙasa-irin su duk mazaunan Commonwealth na Massachusetts, ko dukan 'yan ƙasar Kanada.
Manufar kula da kiwon lafiya na duniya sau da yawa ba daidai ba ne daidai da ɗaya mai biya , tsarin kula da kiwon lafiya na gwamnati, inda dukkanin ma'aikatan kiwon lafiya ke biya, duk da haka gwamnati. Duk da haka, "mai biyan kuɗi" da "duniya" ba daidai ba ne.
Ƙididdigar Duniya
Tsarin "ɗaukar hoto na duniya" na iya nufin abubuwa biyu daban daban. Na farko, yana iya komawa ga tsarin da kowane dan kasa zai iya samun dama ga jama'a ko asibiti na asibiti. Abu na biyu, yana iya komawa ga tsarin da kowane mutum yake samun sabis na asali ko maras nauyi (ta rigakafi, magani na gaggawa) don samun samfurori masu amfani da gwamnati.
A Amurka, makasudin ɗaukar hoto na duniya ya haifar da bin Dokar Kulawa mai Kulawa- Wani lokacin da ake kira Obamacare-da kuma muhawara game da yadda za a kara ɗaukar ɗaukar hoto yayin da yake dauke da kaya ya cinye Gidan Jirgin farko. A karkashin ACA, kamfanonin inshora na kiwon lafiya suna iya bayar da manufofin kiwon lafiya na musamman tare da gamayyar amfanin da doka ta buƙata.
Ga mutanen da suka fadi a wasu kashi na fursunonin talauci na tarayya, yawan kuɗin tallafin jama'a na biya wasu ko dukiyarsu. Hanyoyin da aka yi nufi shine kowa, ko da kuwa samun kudin shiga, zai iya samun akalla tsarin kula da lafiyar lafiyar lafiya.
Ƙididdiga Masu Biyan Kuɗi
A cikin tsarin biya ɗaya, duk da haka, babu kamfanonin inshora masu zaman kansu da za su fara da.
Gwamnati kadai tana bada iko da kuma biya bashin amfanin lafiyar. Misalin misali na tsarin tsarar kudi guda ɗaya shine ma'aikatar kiwon lafiya ta kasar Britaniya; Hukumar NHS tana da damar yin amfani da albarkatun kiwon lafiya har ma da ma'aikatan kiwon lafiya. Kanada yayi irin wannan makirci.
Wasu mambobin kungiyar na Amurka sun nuna cewa Amurka zata iya samun nauyin kiwon lafiya ta hanyar bada " Medicare ga kowa" - wato, ta hanyar daukar shirin gwamnati don tsofaffi da kuma fadada shi ga kowa 'yan ƙasa. Duk da haka, ba a bayyana ba, cewa irin wannan tsarin yana da goyon bayan siyasa mai mahimmanci fiye da wasu gwaje-gwaje da aka bayar a cikin jihohi.
Abun hulɗar Jama'a da Harkokin Gida
A dukan duniya, kasashe da dama suna ba da kiwon lafiya a duk duniya, ga dukan 'yan ƙasa, a cikin ƙungiyoyin jama'a-masu zaman kansu, kuma ba ta hanyar tsarin tsarar kudi ɗaya ba. Misalan wadannan ƙasashe sun hada da Jamus, Netherlands, da Singapore. Singapore na daya daga cikin tsarin kiwon lafiyar da ya fi nasara a duniya, tare da dogon lokaci na rayuwa da ƙananan ƙananan yara.
Sarrafa Hadarin
A kowane tsarin da masu zuba jari masu zaman kansu ke takawa wajen kula da kiwon lafiya, kamfanonin inshora na kiwon lafiya dole su daidaita darajar marasa lafiyar a cikin ɗakunan kuɗin su ta hanyar samfurori da samfurori da aka bayar da ƙimar da suke bayar a kan ƙananan hukumomi, da kuma yadda Wadanda aka saya su a kasuwa.
A wasu wurare, gwamnati ta kare masu insurers daga babban hasara a wani ɓangare ta '' masu bin '' insurers '' '' wadanda suke da bayanan haɗari sunyi mafi kyau fiye da matsakaici kuma su daidaita farashin. An kira wannan hanyar haɗarin hadarin . Duk da haka, a cikin ƙasashe inda sayen cikin tsarin shine ko dai na son rai ko yadda ya dace (misali, ta hanyar ƙananan azabtarwa ga waɗanda ba su bi ka'ida ba), wanda ake kira Young Invincibles-young, mutanen lafiya wadanda ke biya cikin tsarin amma suna cinye albarkatu-kyauta darajar kudi ga tsarin. Lokacin da Matasan Ƙunƙarar suka ƙi yin shiga, tsarin yana biye da yawancin tsofaffi da marasa lafiya, wanda hakan ya kori koda yaushe ga kowa da kowa.