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- A quarter of Canadians feel well-insured
A quarter of Canadians feel well-insured
- By ILS corp
- Published 12/8/2009
- ILSTV Stories
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Canadians increasingly want to be treated as consumers rather than as patients. They want improved service, personalized programs, greater access to their health records, and more education and options for health self-management. They also want to work collaboratively with industry stakeholders to achieve these goals while keeping costs in check and using existing resources, according to new research by Deloitte.
These findings are the result of Deloitte's 2009 Canadian health care consumer survey report which surveyed Canadians in an effort to better understand the perspectives of Canadians as health care consumers.
To capture the full breadth of consumer needs, the survey focused on six major areas of health care consumer activity - health policy, health insurance, traditional health services, information resources, alternative health services, and wellness and health management - and uncovered several key findings.
First, Canadians feel unprepared to handle future health care costs. Although three-quarters of Canadians report having private health insurance (primarily through their employer,) only one-quarter feel well-insured across their public and private insurance plans and only 39 percent feel they are well-prepared to handle future health care costs.
A majority of Canadians support expanding private care, as long as no impact on public system and a reduction in wait times. Fifty six percent of respondents indicate they support increasing private care services if there is no impact on the current publicly-funded health care system, 50 percent support increasing private care services if it resulted in an overall reduction in wait times for public care.
- Improving responses to pandemics is among Canadians' top health reform priorities. Canadians' top priorities regarding government allocation of health care funds are as follows: 85% favour expanding physician teaching programs, 68% favour increasing funding to support expanding community care services, 61% favour improving public health surveillance and outbreak/pandemic response, and 59% favour governments continuing to implement electronic health records. Furthermore, Canadians' support of politicians hinges on their commitment to increasing access to services, physicians and medications (69%), improving the quality of care (68%), and reducing health costs (51%).
- Canadians are less satisfied with hospital care than Americans. Canadians are less satisfied with their recent hospital care experiences than Americans (62% of Canadians vs. 74% of Americans were satisfied.). In addition, the most important factors in choosing a hospital used recently for Canadians was that it was close to home and for Americans it was insurance coverage.
- Canadians want to own more of their health information. Almost two thirds (61%) of Canadians want their physicians, hospitals and/or the government to provide them with a personal health record (PHR) or online medical records, and two thirds (66%) would like to access a family member's PHR.
- Caregiving financially impacting a significant amount of Canadians and is on the rise. More than a quarter (28%) of Canadians provide health care assistance to a family member, friend or other, and 38% of these caregivers have been providing constant care for more than two years (which is expected to increase as the population ages.) Of these, one in five (20%) family caregivers report a reduced ability to earn income.
- Canadians are expanding their criteria for physician selection. One in four (25%) respondents said they prefer a physician affiliated with a hospital, 25% preferring a physician who works in an inter-professional team, and 25% saying they prefer physicians who act as health coaches by providing guidance to help them make their own decisions. However, one third (33%) of Canadians still prefer physicians who act as medical authorities and use their own expertise to recommend the best health care approach.
- Increasing demand for online tools and services. More than half (51%) of Canadians are interested in gaining access to a secure internet site that allows them to schedule office visits, access medical records, view test results, order prescription refills, find information about treatment options, and check status of bills and payments. Similarly, about half (49%) of respondents want to be able to contact their physician via email to exchange information about their health and get answers to questions and 40% are interested in a nurse call line where they can seek advice about a health problem or help with decisions about when to go the emergency room or doctors' office.
Regional differences emerge in Quebec, Saskatchewan, and B.C.
Canadians across the country are aligned on most issues presented in the survey. However, a few key differences emerged on some points: On the issue of private health care, more Quebec consumers (19%) have used private health services in the past 12 months than the Canadian average (6%). In the traditional health sphere, fewer Saskatchewan residents (28%) than Canadians on average (42%) believe quality varies widely across hospitals. Regarding the integration of alternative health services, 20% of British Columbians prefer physicians who integrate holistic approaches into their practice, compared to the Canadian average of 14%.
Delivering on consumer demands will require private care, policy reform and new services
The findings and conclusions from this survey suggest that the expectations of health care consumers will intensify in the coming years, resulting in several key implications for health system stakeholders across government, hospitals, physicians and other health providers. Delivering on this notion of 'patient-centred care' requires stakeholders to offer more personalized options, which will drive a parallel need for stakeholders to converge their strategies by:
- Proceeding cautiously with private care options. Consumers are willing to entertain increased costs for specialized services or enhanced private care if the public health system is maintained. This means that health reform efforts to expand private care options can proceed, but not in an 'either/or' manner. Efforts must ensure the integrity of the public health system.
- Focusing on initiatives that increase access to physicians and community services. National and provincial policy reform that prioritizes physician and community service access will achieve the greatest return on consumer value.
- Implementing online tools, personal health records, and consumer access to their physicians. Stakeholders need to supplement trusted provider-patient relationships with improve access to customizable Internet tools and continue to push forward on an e-health agenda that enables personalized health services in a sustainable cost model.
- Sharpening their skills in targeting consumers on quality, safety, and convenience. This is key as consumers are increasingly differentiating based on quality, service, satisfaction, and the value proposition for their unique circumstance, and as public reporting increases, and private or offshore services are being explored.
Fundamental changes to Canada's health care system are emerging
Health consumerism is not a fad, it is a trend. It continues to grow and, in doing so, it is emerging as an important market driver that will fundamentally change the health care system in Canada. While industry stakeholders are only beginning to grasp the demands that consumerism will place on the system, new challenges and opportunities are already arising. Only through an across-the-board change will the potential benefits be realized. Fortunately, this type of change is well within the skill set of Canada's health system providers - promising opportunities for transformation that can only help to improve both personal and systemic health.
These findings are the result of Deloitte's 2009 Canadian health care consumer survey report which surveyed Canadians in an effort to better understand the perspectives of Canadians as health care consumers.
To capture the full breadth of consumer needs, the survey focused on six major areas of health care consumer activity - health policy, health insurance, traditional health services, information resources, alternative health services, and wellness and health management - and uncovered several key findings.
First, Canadians feel unprepared to handle future health care costs. Although three-quarters of Canadians report having private health insurance (primarily through their employer,) only one-quarter feel well-insured across their public and private insurance plans and only 39 percent feel they are well-prepared to handle future health care costs.
A majority of Canadians support expanding private care, as long as no impact on public system and a reduction in wait times. Fifty six percent of respondents indicate they support increasing private care services if there is no impact on the current publicly-funded health care system, 50 percent support increasing private care services if it resulted in an overall reduction in wait times for public care.
- Improving responses to pandemics is among Canadians' top health reform priorities. Canadians' top priorities regarding government allocation of health care funds are as follows: 85% favour expanding physician teaching programs, 68% favour increasing funding to support expanding community care services, 61% favour improving public health surveillance and outbreak/pandemic response, and 59% favour governments continuing to implement electronic health records. Furthermore, Canadians' support of politicians hinges on their commitment to increasing access to services, physicians and medications (69%), improving the quality of care (68%), and reducing health costs (51%).
- Canadians are less satisfied with hospital care than Americans. Canadians are less satisfied with their recent hospital care experiences than Americans (62% of Canadians vs. 74% of Americans were satisfied.). In addition, the most important factors in choosing a hospital used recently for Canadians was that it was close to home and for Americans it was insurance coverage.
- Canadians want to own more of their health information. Almost two thirds (61%) of Canadians want their physicians, hospitals and/or the government to provide them with a personal health record (PHR) or online medical records, and two thirds (66%) would like to access a family member's PHR.
- Caregiving financially impacting a significant amount of Canadians and is on the rise. More than a quarter (28%) of Canadians provide health care assistance to a family member, friend or other, and 38% of these caregivers have been providing constant care for more than two years (which is expected to increase as the population ages.) Of these, one in five (20%) family caregivers report a reduced ability to earn income.
- Canadians are expanding their criteria for physician selection. One in four (25%) respondents said they prefer a physician affiliated with a hospital, 25% preferring a physician who works in an inter-professional team, and 25% saying they prefer physicians who act as health coaches by providing guidance to help them make their own decisions. However, one third (33%) of Canadians still prefer physicians who act as medical authorities and use their own expertise to recommend the best health care approach.
- Increasing demand for online tools and services. More than half (51%) of Canadians are interested in gaining access to a secure internet site that allows them to schedule office visits, access medical records, view test results, order prescription refills, find information about treatment options, and check status of bills and payments. Similarly, about half (49%) of respondents want to be able to contact their physician via email to exchange information about their health and get answers to questions and 40% are interested in a nurse call line where they can seek advice about a health problem or help with decisions about when to go the emergency room or doctors' office.
Regional differences emerge in Quebec, Saskatchewan, and B.C.
Canadians across the country are aligned on most issues presented in the survey. However, a few key differences emerged on some points: On the issue of private health care, more Quebec consumers (19%) have used private health services in the past 12 months than the Canadian average (6%). In the traditional health sphere, fewer Saskatchewan residents (28%) than Canadians on average (42%) believe quality varies widely across hospitals. Regarding the integration of alternative health services, 20% of British Columbians prefer physicians who integrate holistic approaches into their practice, compared to the Canadian average of 14%.
Delivering on consumer demands will require private care, policy reform and new services
The findings and conclusions from this survey suggest that the expectations of health care consumers will intensify in the coming years, resulting in several key implications for health system stakeholders across government, hospitals, physicians and other health providers. Delivering on this notion of 'patient-centred care' requires stakeholders to offer more personalized options, which will drive a parallel need for stakeholders to converge their strategies by:
- Proceeding cautiously with private care options. Consumers are willing to entertain increased costs for specialized services or enhanced private care if the public health system is maintained. This means that health reform efforts to expand private care options can proceed, but not in an 'either/or' manner. Efforts must ensure the integrity of the public health system.
- Focusing on initiatives that increase access to physicians and community services. National and provincial policy reform that prioritizes physician and community service access will achieve the greatest return on consumer value.
- Implementing online tools, personal health records, and consumer access to their physicians. Stakeholders need to supplement trusted provider-patient relationships with improve access to customizable Internet tools and continue to push forward on an e-health agenda that enables personalized health services in a sustainable cost model.
- Sharpening their skills in targeting consumers on quality, safety, and convenience. This is key as consumers are increasingly differentiating based on quality, service, satisfaction, and the value proposition for their unique circumstance, and as public reporting increases, and private or offshore services are being explored.
Fundamental changes to Canada's health care system are emerging
Health consumerism is not a fad, it is a trend. It continues to grow and, in doing so, it is emerging as an important market driver that will fundamentally change the health care system in Canada. While industry stakeholders are only beginning to grasp the demands that consumerism will place on the system, new challenges and opportunities are already arising. Only through an across-the-board change will the potential benefits be realized. Fortunately, this type of change is well within the skill set of Canada's health system providers - promising opportunities for transformation that can only help to improve both personal and systemic health.
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6 Responses to "A quarter of Canadians feel well-insured " 
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said this on 16 Mar 2012 6:18:52 PM EDT
Every state will be slightly dferifent, but I'll give you the proverbial swine slap across the face about why Medicare is generally the worst thing invented by modern liberalism in this nation, in only ONE word: Access.In my state, there are 1,127 primary care Medical Doctors, and 130 Osteopaths in family practice. That's 1,257 doctors that handle routine care (non-emergency care, not otherwise in a named specialty).Of that 1,257, less than 11% accept Medicare assignment. CMS provides these figures, so my point is irrefutable. As others have noted, Medicare pays a fraction of an already deep discounted rate that is substantially below what providers call usual and customary (a fancy phrase for retail prices ).When a doctor refuses to sign up for Medicare assignment, they still get paid for treating Medicare patients, but they get EVEN LESS than the already bottom dollar (read: guaranteed loss) reimbursements of the doctors that willingly accept Medicare assignment. This is not my opinion. This is verifiable, irrefutable fact, and the source is CMS. Nobody knows better how bad Medicare is than Medicare itself.Of the several hundred doctors I advise in my practice, more than 95% go out of their way to refuse Medicare patients. Some go as far as sending out birthday letters prior to age 65 politely asking the patient to find another doctor (if you schedule an appointment after age 65, they aren't always so polite some instruct their staff to refer Medicare patients to CMS for the very short list of doctors willing to work for the absolute lowest wage a doctor can possibly earn).What this means to you is this: More than 89% of primary care doctors do NOT want Medicare patients, because they are guaranteed to lose money on those patients.What this also means to you is this: Private insurance subsidizes Medicare in an off the books fashion, via cost-shifting. Take away private insurance, and not only would Medicare go broke virtually overnight, providers would vanish faster than a modern liberal can fail at math (and they fail 100% of the time faster than any other group).Doctors aren't going to work for free. Neither will nurses, and other support staff (and you can't force them outside of a chattel slavery system of forced labor). They will all seek other ways to earn a living. This will lower access even further from the abysmal point it is now, and lower access ALWAYS equals higher costs, lower quality, and more early deaths among those modern liberals who failed at math so fast.Other points of interest: Largest and fastest growing form of crime in the USA is identity theft. Among that large group of crimes, the single fastest growing aspect is medical Identity theft. A Medicare card has a street value of $500 to $700 ten times that of a stolen credit or debit card.The second most profitable crime in America today? Medicare fraud. The source for that is the same government that built the failed collectivist system. The smart criminals are leaving the drug trade and turning to Medicare fraud. The numbers are staggering. A mid-level drug trafficker might make $300,000 a year, taking extraordinary risks. The same crook can make $30,000,000 stealing from Medicare, and never get shot at.Talent and capital go where it is rewarded, and stay where it is well treated. This axiom applies to the talent that goes into medicine, and it also applies to talent when it comes to criminals seeking to profit from the system that has ZERO financial incentive to fight fraud (ONLY a for-profit enterprise will root out the thieves, and find ways to detect them before they cause real damage the government just asks for more funding to replace what was stolen).
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said this on 22 Mar 2012 4:25:41 AM EDT
Kevin was very special to Elaine and me from the first sesshin we attended 6 or 7 years ago to the most recent a few weeks ago, when he came in during an evening sitting walking slowly with his cane and friends in support. I'll miss his humor and his dedication.
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said this on 28 Mar 2012 2:25:36 AM EDT
Paki, aunque con retraso, te comunico que todos los que lo solicist teis a trav s de los coemntarios est is admitidos/as
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said this on 04 Apr 2012 4:09:18 AM EDT
Every state will be slightly different, but I’ll give you the proverbial swine slap across the face about why Medicare is generally the worst thing invented by modern liberalism in this nation, in only ONE word: Access.In my state, there are 1,127 primary care Medical Doctors, and 130 Osteopaths in family practice. That’s 1,257 doctors that handle routine care (non-emergency care, not otherwise in a named specialty).Of that 1,257, less than 11% accept Medicare assignment. CMS provides these figures, so my point is irrefutable. As others have noted, Medicare pays a fraction of an already deep discounted rate that is substantially below what providers call “usual and customary” (a fancy phrase for “retail prices”).When a doctor refuses to sign up for Medicare assignment, they still get paid for treating Medicare patients, but they get EVEN LESS than the already bottom dollar (read: guaranteed loss) reimbursements of the doctors that willingly accept Medicare assignment. This is not my opinion. This is verifiable, irrefutable fact, and the source is CMS. Nobody knows better how bad Medicare is than Medicare itself.Of the several hundred doctors I advise in my practice, more than 95% go out of their way to refuse Medicare patients. Some go as far as sending out birthday letters prior to age 65 politely asking the patient to find another doctor (if you schedule an appointment after age 65, they aren’t always so polite — some instruct their staff to refer Medicare patients to CMS for the very short “list” of doctors willing to work for the absolute lowest wage a doctor can possibly earn).What this means to you is this: More than 89% of primary care doctors do NOT want Medicare patients, because they are guaranteed to lose money on those patients.What this also means to you is this: Private insurance subsidizes Medicare in an “off the books” fashion, via cost-shifting. Take away private insurance, and not only would Medicare go broke virtually overnight, providers would vanish faster than a modern liberal can fail at math (and they fail 100% of the time faster than any other group).Doctors aren’t going to work for free. Neither will nurses, and other support staff (and you can’t force them outside of a chattel slavery system of forced labor). They will all seek other ways to earn a living. This will lower access even further from the abysmal point it is now, and lower access ALWAYS equals higher costs, lower quality, and more early deaths among those modern liberals who failed at math so fast.Other points of interest: Largest and fastest growing form of crime in the USA is identity theft. Among that large group of crimes, the single fastest growing aspect is medical Identity theft. A Medicare card has a street value of $500 to $700 — ten times that of a stolen credit or debit card.The second most profitable crime in America today? Medicare fraud. The source for that is the same government that built the failed collectivist system. The smart criminals are leaving the drug trade and turning to Medicare fraud. The numbers are staggering. A mid-level drug trafficker might make $300,000 a year, taking extraordinary risks. The same crook can make $30,000,000 stealing from Medicare, and never get shot at.Talent and capital go where it is rewarded, and stay where it is well treated. This axiom applies to the talent that goes into medicine, and it also applies to talent when it comes to criminals seeking to profit from the system that has ZERO financial incentive to fight fraud (ONLY a for-profit enterprise will root out the thieves, and find ways to detect them before they cause real damage — the government just asks for more funding to replace what was stolen).
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said this on 10 Apr 2012 10:08:11 PM EDT
Sunny Flower / Medicare questions can be confusing! Getting the best supplemental coverage and/or a a Medicare Part D plan, for example, depends on several factors, what kind of plan you are willing to accept, and whether the plan you want will pay for the specific medical concerns you have. Unlike Medicare Part D plans that cover prescription drugs, supplemental plans and options are standardized, however interpreting these benefits can still be very confusing!If you want to talk to “real people” who will listen carefully to your questions and who aren’t “selling anything” I would highly recommend that you call your local Area Agency on Aging. Folks at the Area Agency on Aging can help you sort Medicare supplemental insurance options and choices. Area Agencies on Aging are one of the best kept secrets around for older Americans and their families who are seeking information on Medicare, Medicare supplemental policies and other kinds of consumer questions. There is one where you live, since this is a national network. The staff there will visit with you and guide you to information you need to answer your question. Since they talk with seniors every day–and answer lots of questions about Medicare–they will know the “scoop” on the supplemental policies and plans available where you live. They will be able to help you compare the pros and the cons of the plans you have identified as options and suggest other information to check out before you “sign on the dotted line.”You can call toll-free 1-800-677-1116 to find how to contact the Area Agency serving you. When you call your local Area Agency on Aging, ask for the staff who provide “Information and Assistance.”If you do contact your local Area Agency on Aging and like the help that they give you, let your local county officials and your folks in Congress know. Area Agencies on Aging don’t have big budgets–their funding comes from the Older Americans Act–and funding for most parts of this Act has not increased significantly in about 25 years! Your voluntary financial contribution of any amount–which is absolutely not required to get the help you need to answer this question–would certainly be appreciated and would be used to help your older friends and neighbors.Hope this helps! Best wishes and good luck
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