Private healthcare policing
Posted by: Kayes on: 10 Jul, 2010
The level of regulation in the private healthcare market varies considerably depending on the country. From the tightly-controlled health insurance market of Australia to the state-based private healthcare policing of the United States, the level of government interference in private healthcare depends on the government, traditions and attitudes of the nation concerned.In the United States, private healthcare policing is undertaken by various state authorities around the nation. Regulation may involve requiring private health insurance companies to provide a minimum level of coverage in every insurance plan offered or allowing consumers to take advantage of a former employer’s healthcare plans. Regulation is usually brought about by the action of a state’s Insurance Commissioner or a department responsible for insurance issues – for example, in California, the Department of Insurance handles such issues.In the United Kingdom, private healthcare policing may be undertaken by the Healthcare Commission, which also oversees the operation of public hospitals in the country. Unlike the United States, private healthcare regulation is undertaken on a national level in the United Kingdom, with some local government input. The national regulation is designed to ensure that all residents requiring healthcare, no matter whether they are private or public (National Health Service) patients, that basic health standards are met.Private healthcare policing in Canada is undertaken mostly at the provincial level of government. It is important to note that, whilst most healthcare is funded publicly by the provincial governments, private entities usually undertake the actual delivery of medical services. This increases the need for private healthcare regulation in Canada, as most Canadians would be visiting self-employed healthcare professionals instead of medical professionals whose salary is paid directly by the government. At present, the Canadian government provides financial disincentives for private health insurers to cover medical services already funded by the government. Whilst this is not a direct barrier to private health cover in the public market, it is in effect a form of regulation.As demonstrated, it is clear that the level of private healthcare policing is indeed dependent on the government of the nation involved, and what level of government is responsible for private healthcare regulation. Private healthcare regulations change constantly, so it is important for anyone relying on this information to double-check their facts directly with the national or provincial government concerned.
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