1/129
Updated 2025 version. This is based off of Professor Callaghan TA Review session. All the sections should have similar topics for the final. Topics include review on Wk 1-7, insurance basics, Medicare, Medicaid, healthcare financing, healthcare decision making, and population health policy + comparative systemsI Good Luck BUSPH student!
Name | Mastery | Learn | Test | Matching | Spaced |
|---|
No study sessions yet.
Police Power & The 14th Amendment
Usually rational basis, unless infringing upon a fundamental right
Exercised by enacting legislation
Limited to protecting other people, not protecting individuals from themselves
Limited by the 14th Amendment Dye Process + Equal Protection Clauses
Must limit infringement on personal liberty and enhance autonomy.
Federal govt. can rule state law unconstitutional if the 14th amendments is breached
Individual Speech: Content-Based
What is being said, who is saying it
Discrimination based on the content/substance of speech
Strict scrutiny
Reference: 303 Creative
Individual Speech: Content-Neutral
When it is being said, where it is being said, how it is being said
Restrictions on the time palce and/or manner of speech
The speech itself is not regulated
Intermediate scrutiny
McCullen v.Coakley
Central Hudson Test (Intermediate Scruntiny)
Does the speech promote illegal activity? Is the speech false or misleading
a. If yes, regulation is upheld. b. If no → upheld only if all below are answered yes
Is there substantial government interest
Is the ban/restriction on speech directly advancing the govt.’s goal? (What is the really goof evidence of impact?)
Is the regulation narrowly tailored? (Or no more burdensome than necessary on speech?)
Zauderer Test (Modified minimum scrutiny)
Commercial speech can be compelled if all are yes:
Is the speech without the compelled disclosure deceptive or misleading?
Are required disclosures uncontroversial and are fact?
Is the law serving a significant governmental purpose?
Is what is required by the law reasonably related to the govt.’s goal?
Is compliance with the law not unduly burdensome?
Commerce Clause: the three-part test
Commerce has the power to regulate commerce and to make all necessary and proper laws to carry this out as long as at least one (but not limited to) of these is affected:
Channels—Use of channels of interstate commerce (interstate highways, rivers, the internet)
Instrumentalities—persons, things, vehicles through which interstate (U.S v Lopez)
Local activities with substantial effects—interstate activities that have substantial aggregate effect (Wickard v. Filburn)
Spending Clause
Congressional power to levy taxes and to compel states with conditions to achieve federal goals
The Dole Test
Spending power: levying taxes or providing preference (tax breaks)
Is the law in pursuit of the general welfare?
Are the conditions of the law clear and unambiguous?
Are the conditions of the law German (related to the government's purpose)?
Are the conditions of the law unbarred by any other provision of the constitution?
If all are yes → law is constitutional, UNLESS the law passes the point where pressure turns into compulsion/coercion.
See: NFIB x. Sebilus
Religious Freedom Restoration Act (RFRA)
Requires strict scrutiny for laws that substantially burden free exercise of religion.
Function of health insurance
Manage risk of catastrophic cost by pooling funds of many
redistributes from those who are healthy to those who are sick
insulates employer and/or government from dealing directly with the individual
Drawback of Insurance: Underinsurance
Limited coverage with high out-of-pocket costs
You are underinsured
Out-of-pocket medical cost equals 10% of income or more OR
Out-of-pocket cost equal 5% of income if below 200% FPL OR
The deductible equals 5% or more of income
Drawback of Insurance: Uninsurance
No coverage → entirely out of pocket
Drawbacks of Insurance: Outcomes
Likely to avoid/delay seeking care
Worse health outcomes
Contributes to the majority of bankruptcies in the U.S
Four ways of paying for health care in U.S.
Out of pocket
Individual private insurance
Employer sponsored insurance
Government financed public insurance
Out-of-pocket payment
direct payment to the provider out of the individual's pocket
Individual private insurance
A third party, the insurer, is added to the patient and the health provider
Involves a premium payment from the individual to an insurance plan and a payment from the insurance plan to the provider
Employer sponsored insurance (ESI)
-Came about during WWII
-Often called group health insurance, the employer is responsible for a significant portion of the health insurance premium
-Federal tax policy subsidizes both employer and employee
-Employer-sponsored plans typically are able to include a range of plan options from HMO and PPO plans to additional coverage such as dental, life, and short- and long-term disability.
-Paying ESI premium pre-tax benefits those with highest income
-Same both pre and post-ACA except now there is an employer mandate (for firms >50 people)
Government financed public insurance
Medicaid is run by the states and funded by federal and state taxes
Medicare is funded by the federal government only
Other government insurances
Indian Health Services (IHS)
Veterans Affairs (VA)
Federal Employee Health Benefits (FEHB)
Differences between ESI and individual insurance
Different pools: community rating (individual) v experience rating (ESI)
Different costs due to different pools
Different benefits depending on how much coverage employer offers
Wage trade-off inherent in ESI
Large employers basically self-insure and take on the risk by hiring insurance companies to manage their plans
Community rating
A method for setting premium rates for health insurance plans under which all policyholders are charged the same premium for the same coverage based on the average cost of providing health care.
Simple terms—population-based insurance pricing; whole communities are pooled together
Experience rating
Rating system that bases insurance rates on claims history
Specialized pool based on the individual’s/group’s predicted need for health services
Ex. a group of bank executives might pay a lower premium as a group compared to a group of coal miners because miners have increased health risks as a result of the nature of their occupation and would likely cost more to insure
Current trends in ESI
Employers have shifted some expense to employees
Wage trade-off: we are taking a pay cut to pay for a greater share of our premium (premium wages have risen more dramatically than wages, though)
Direct relationship between premium and deductible (almost dollar for dollar) shifts responsibility significantly
More cost-sharing
ACA Basics
Community rating
Individual mandate for insurance (zeroed out)
Health insurance exchanges
Mandated essential health benefits (addresses uninsurance)
Children can stay on parents’ plans until age 26
Federal subsidies between 100 and 400% of the FPL
Mandated coverage for all < 138% of the FPL (made optional by NFib v. Sebelius)
Coverage gap: adults between 38% and 100% of FPL in the states that did not expand do not qualify for Medicaid/Health Exchanges
Describe the federally subsidized individual private insurance marketplace created by the ACA
Original idea was to cover everyone above Medicaid threshold
Subsidies available between 100-400% of poverty level
In the federally subsidized individual private insurance marketplace created by the ACA, money is collected by:
Premium paid by enrollee depending on plan selected
Premium subsidy credited to taxes of enrollee based on income and benchmark plan cost
Deductibles, coinsurance, and co-pays by individual enrollees
Individual private insurance pre- and post-ACA
Pre-ACA: available individual plans often too expensive for low-medium income, old, and sick; plans not always comprehensive
Post-ACA: can purchase on Exchanges/Marketplace for comparison shopping
-Same market reforms as ESI list plus guaranteed issue
ACA plan tiers
Bronze: lowest premium, highest cost-sharing, protects against catastrophic event but minimal coverage for routine care
Silver: moderate premium and moderate cost sharing; tax credits based on 2nd lowest silver plan; most popular
Gold: high premium and lowest cost sharing; may be a better deal for those expecting to use significant amount of care
Platinum: highest premium and lowest cost-sharing
What is cost-sharing
a situation where insured individuals pay a portion of the healthcare costs, such as deductibles, coinsurance or co-payments
The burden of splitting the cost of treatment between employee and employer
What is a premium?
The set amount an individual pays for insurance each month even if no health services are used
What is a deductible?
The additional amount an individual pays for covered service before the insurance begin to pay
What is a co-payment?
The fixed amount ($) paid for every service after the deductible
What is co-insurance?
The % of cost the individual is responsible for after paying the deductible
3 key elements to ACA marketplace
Guaranteed issue: plans have to cover everyone regardless of pre-existing conditions
Individual mandate: everyone needs to buy insurance or pay a tax necessary to cover very sick people
Tax subsidies: government pays if your income is up to 400% of the federal poverty level to help you buy your plan
Key changes after ACA repeal
-Individual mandate penalty set to $0
-CSR payments removed, potentially destabilizing individual market
-Lawsuit to strike down ACA based on individual mandate
Under the health care law, insurance companies can account for only 5 things when setting premiums
Age: Premiums can be up to 3 times higher for older people than for younger ones.
Location: Where you live has a big effect on your premiums. Differences in competition, state and local rules, and cost of living account for this.
Tobacco use: Insurers can charge tobacco users up to 50% more than those who don't use tobacco.
Individual vs. family enrollment: Insurers can charge more for a plan that also covers a spouse and/or dependents.
Plan category: There are five plan categories - Bronze, Silver, Gold, Platinum, and Catastrophic.
Ways private insurance pays physicians
Fee for Service/Discounted FFS
Bundled Payments - Payment per Episode of Illness - Physician DRGs (RBRVS unique to Medicare)
Capitation- Payment per Patient
Two-tiered Capitation
Salary - Payment for Time
Ways private insurance pays hospitals
Fee for Service
Per-Diem (bundle services removes the hospitals incentives from doing more expenses services. Moves risk, insurer is at risk for how many days, whereas hospital is on the line for services within the day)
Payment per Episode of Illness - DRG
Capitation - Payment per Patient
Global Budget
Major goal of ACA
Universal Coverage - originally planned that Medicaid would cover everyone up to a certain poverty threshold would be covered
ACA market reforms/changes in ESI
-No upper limits on coverage
-Young adult coverage
-Mandatory benefits
Efforts to change ACA under Trump
Tax penalty repeal to counteract individual mandate/universal coverage
Medicaid waivers/work requirements to counteract Medicaid expansion/universal coverage
The info below may not be relevant:
CSR nonpayment to counteract cost sharing reductions/risk corridor payments/universal coverage
HHS 4 year plan revoked to counteract universal coverage/ women's contraceptive coverage/ section 1557 anti-discrimination rule
Medicare Basics
Eligibility:
Everyone 65+
Under 65 with a permanent disability
End-stage renal disease
Amyotrophic lateral sclerosis (ALS)
eligible for social security disability insurance (SSDI) and Medicare after a two-year waiting period
Payment:
Set fee schedule, value-based payments, prospective payments based on diagnosis-related groups (DRGs)
No long-term care coverage
100 days of skilled nursing coverage
Medicare A
Covers hospital care, skilled nursing, hospice, some home care
Auto-enrollment is guaranteed if you have 10+ years of paying into social security
If not → $400/month
No premium, yes deductible
Benefit period
Begins when admitted, ends at 60 days
Co-insurance starts after
Long-term care:
Skilled nursing < 100 days
No unskilled
Intended for rehabilitation only
Medicare Part B
Covers: Physician services, outpatient care, lab services, home care (not associated with hospital stay)
Eligibility: technically optional—no penalty for not enrolling
Cost:
$175/month if income is <$103k
$500+/month if > $103k
$240 deductible
20% coinsurance
No limit on out-of-pocket spending
Financed: General Revenues Income and Federal Taxes, Premiums; Pooled at National level
Medicare Part C- Medicare Advantage
THe private alternative
Medicare Advantage programs combining parts A and B
No premium, yes deductible
May cover vision, dental, and/or hearing
Federally negotiated premiums using Part A Trust Fund
Medigap insurance—push to have part C cover what isn’t covered in the other part of Medicare.
Eligibility: Have to enroll in Parts A and B first before you can enroll in C
Medicare Part D: Prescription Drugs
Prescription drug coverage
10 high-cost drugs ar a negotiated price
Insulin price cap
Out-od-pocket max
Administered through private insurance
Penalties on manufacturers
Drug cost inflation
Pharmaceutical industry lawsuits
Dole
Commerce
5th and 1st
Due process
Note: Donut hole - over time, the ACA wants to narrow this
Eligibility: Voluntary Enrollment - premium penalty minimum of 1% per month if do not enroll in first 6 months after becoming eligible, unless have equal or better coverage
Medicaid Basics
Eligibility
Low-income children, pregnant women and in some states adults (defined by state with federal limits)
Low-income elderly and disabled
Medically needed coverage (not as expansive as categorically needed)
Jointly administered by states and federal government
Children’s Health Insurance Program (CHIP)
fills in the gap for kids whose families don’t qualify for medicaid
Same copayments
Comprehensive
Medicaid Basics
Benefits
All categories of care
May vary by state
Long-term care fo the poor, elderly, and frail
Jointly administered by state government
Financing
Federal medical assistance percentage (FMAP)
Relies on states’ per capita income reporter per quarter
Lowest fed.rate → 50%
Requirements:
Care for key services (MD, hospital) and key populations (kids, mothers)
Federal govt. covers optional services
Medicaid covers nearly 2/3 of all long-term care in the U.S
Describe joint state/federal nature of Medicaid
-Subject to federal standards, states administer Medicaid programs and have flexibility to determine covered populations, covered services, health care delivery models, and methods for paying physicians and hospitals
-States can also obtain Section 1115 waivers to test and implement approaches that differ from what is required by federal statute if they are determined to advance program objectives
Variations in Medicaid eligibility by state
-Wealthier states (MA, NY, etc) get 50 percent of Medicaid expenses reimbursed.
-Poorer states get more reimbursement.
-States that walked away from Medicaid expansion walked away from big reimbursement
Medicaid waiver: Social Security Act Section 1115
The federal government (the DHHS) can waive provision of major health programs
Allows states to pilot programs; states as laboratories of policy
Should these programs succeed, they can theoretically be applied nationwide
Anything affecting benefit, cost sharing, enrollement or other requirements
Section 1115 in practice: work requirements
Trump administration policy, approved via section 1115
Began in AK, KY → current job/training/volunteer position required to qualify for Medicaid
Requirements made extremely complex/difficult to navigate on purpose. You have to submit paperwork frequently in order to keep insurance coverage
Means you have to have some type of job/position for medicaid
Support from the public is 50/50
courts have largely ruled this as unconstitutional.
rolled back by the Biden administration
Reinstituted by second Trump administration
Medicaid waivers: Social Security Act Section 1915
Home and Community-Based Service Wavier
Allows states to fund these services for specific populations
Usually long-term care/support
Medicaid Block grants
A fixed amount of money that the federal government gives to a state for a specific purpose.
If Medicaid was turned into a block grant, the federal government would set each state's Medicaid spending amount in advance.
Conservative solution to the argument that “federal rules are too limiting”
Basically saying that medicaid is an entilitement program and anybody who has it really need it
Approved dor Tennessee in 2021; reversed by Biden
Medicaid funds granted as block grants
“States know best about how to manage their own distribution.”
Opposition
What happens in a recession? → Excuse for states to make programs meager, race to the bottom.
Most block grant proposals start with significant cuts in federal Medicaid support (would shift quite a bit of risk to the state)
States will have to find ways to cut back on optional eligibility and benefits to provide Medicaid for people in need
The idea that whatever funds aren’t used in the block grant can be used for other parts of the government (like the police)
Current proposals to reform Medicaid
-Block grants: federal government give large block grants to states, but this tends to be more expensive because it's a lump sum
-Work Requirements: all able-bodied, non-elderly adults receiving Medicaid would need to meet work requirements unless they fell within an exemption
-Per capita caps: the federal government would put a ceiling (or cap) on the amount of federal money that can be spent per Medicaid enrollee in that state
NFIB v.Sebelius
Individual insurance mandate → ruled constitutional
Later zeroed out
Mandated Medicaid expansion → ruled unconstitutional
The decision to expand is decided by the state
Contributes to coverage hap between states
In non-expanded states, Medicaid is reserved for the poorest of the poor
Those that are poor but do not qualify are uninsured
Election Referendums
Method to expand Medicaid through public support despite conservative opposition
Not possible everywhere (i.e., ballot obstacles) (voted fo in Maine, vetoed by gov.)
Achieved in Maine, Missouri, Oklahoma, Nebraska, Idaho, and Utah
It's important that this view is popular. There are efforts to make these referendums more difficult to pass. Ex. in South Dakota they said everything has to be put on one page so the public made their bill on a large piece of paper
Harris v.McRae: The Hyde Amendment
Summary
No federal funds may be used for to perform abortions unless the mother’s life would be endangered
Yes, they can. The feds do not have to contribute funding to abortions
Requires states to use their own funds
Poverty → not a suspect class
Detailed explanation:
Is it constitutional?
1. Title 19 (Medicaid) requires states participating in Medicaid programs to provide for different categories of medical services (including family planning services), BUT Title XIX does not obligate a participating State to pay for those medical services for which federal reimbursement is unavailable
2. 5th Am. substantive due process clause (liberty right): Federal governments fa’s failure to pay for abortions in state Medicaid programs is a violation of due process similar to in Roe v Wade
-Court concludes due process liberty was NOT infringed upon because it does not interfere with freedom of choice
3. Equal protection under fifth amendment: the only requirement of equal protection is that congressional action be rationally related to a legitimate governmental interest. The Hyde Amendment satisfies that standard
Describe the major players in the U.S. healthcare delivery system
Providers:
Hospitals—academia/research, community care, sfety net
Physicians—PCPs, Specialists, DOs
Others—nurses, PAs, Home Health Aides, PT, OT, etc
Purchasers:
Employers—HMO, PPO plans
Patients - private, employee-sponsored insurance, exchanges
Uninsured—out-of-pocket payments
What is Fee-for Service (FFS)?
paid a set rate for service delivered
prioritize volume over efficiency/efficacy
What is capitation?
preset amount ($) per patient regardless of use of services, also known as prospective payment system
What is episode of care (bundled)?
preset amount ($) per patient for an episode of care; definition of episode vague
What is a global budget
hospital given an overall budget that must be maintained within regardless of patients seen or services provided
What is pay-for-performance
pay based on quality of service; rewards quality care, peanalizes poor care
What is a charge ?
fee set by hospital
What is price/ reimbursement?
to the payer: what is paid to the hospital
to the patient: the out-of-pocket cost
What is the cost?
The actual financial resources needed to provide a service are largely opaque
Hospital consolidation
Horizontal
hospital merge to increase market share, reduce competition
similar services merging together
example: two cancer hospitals joining together to reduce competition/expand their patient pools
Vertical:
expansion to control more parts of the supply chain
example": a novel proton therapy clinic being acquired by a cancer hospital to expand its available treatment option
Cross-market Mergers
mergers that occur across different geographic markets
Hospital consolidation Pros and Cons
Pros:
Cost reduction
Increase in purchasing powers as a larger group
Increases in care coordination and quality
Better economic stability. More hospitals mean more money
Brand recognition → patient trust
Cons
Reduced competition.
Access issues: closures of small, rural hospitals
Smaller, weaker, non-teaching hospitals at most risk
Risk of price hikes as hospitals increase market share
Only a marginal improvement to quality
Less competition means there is less incentive to provide quality care or continue improving their quality care
Payment Reforms
ACA Reforms
Medicare → bundled, valued-based
Penalties for readmittance, hospital-acquired illness
Medicaid → state -led expandsions toincrease insured population. more funding means more eligibility and more benefits
2020 No Surprise Act
Protection from surprise out-of-network bills in emergency/ancillary services
For example, if you are getting surgery and your anesthesiologist is out of network, you will not be charged extra for that.
Patient Rights
Patients are entitled to Reasonable
REsonable care by providers
Informed, voluntary choice of medical care
Medical care includes diagnostic, preventive, curative, surgical , pharmaceutical, radiological, rehabilitative, palliative
The right to refuse treatment
Patients vs Consumers
PAtients as recipients rather than buyers
Assumes unequal positionality
Imposed fiduciary responsibility:
the legal duty to act in someone's best interest rather than one’s own
Acknowledges seeking health care as a need-based act
What is a tort?
An act/omission that gives rise to injury or harm to another and amounts to a civil wrong
Use to allocate (responsibility for personal injury), to compensate (the injured party), and to prevent harm (through deterrence)
Examples:
Intentional - battery, assault, invasion of privacy, defamation
Mixed—confidentiality breach, infliction of emotional distres
Nonintentional - product liability, negligence
Battery in a healthcare context
Intentional, offensive touching without consent
Limited public health/medical application
Examples
Operating on the wrong body part
Adding a non-consented procedure
Negligence in a healthcare context
More common in public health/medicine
Failure to perform a duty of care, which causes harm to the person to whom the duty is owed
Causes of action
Ordinary negligence
informed consent
Professional negligence
Malpractice
Breach of confidentiality
General Rule of Negligence
The plaintiff must prove all:
The defendant had a duty of care to the plaintiff to act reasonably.
The defendant breached that duty by not acting with reasonable care
The plaintiff suffered actual injury
The defendant’s breach of duty was the proximate cause of the plaintiff’s injury
a. The harm was a direct, foreseeable and natural consequence of the action
Informed Consent
Giving patients the opportunity to make fully informed, voluntary and competent autonomous decisions
The Four Cs of competence
Conscious
Comprehends- relevant information
Chooses—capable of making an affirmative decision
Communicates - a decision
Epidemiological Revolutions
First Revolution (infections)
Sanitation, hygiene, nutrition
Infrastructure, pasteurization, vaccines
Think of John Snow on Broad St in London.
Second Revolution (risk factors)
Individual behaviors
Prevention (education, screenings)
Managed care
A system of healthcare in which patients agree to visit only certain doctors and hospitals, and in which the cost of treatment is monitored by a managing company
6 factors that influence type of insurance someone has
Age
Employment Status
Parent vs not
Income
Location
Gender
Disability
How access to care exists through government-funded providers like community health centers
Community health centers rely on a combination of Medicaid payments, grant revenues, and other private and public funding sources to fund their operations
total cost = units of service * price per unit
-Formula that highlights how difficult it is to constrain health spending
-If you constrain units of service, price per unit increases, and vice versa.
-One thing we can do, is to set a budget/limit for total health expenditure
Who is left without insurance-based access to medical care?
-People who are not poor enough to qualify for Medicaid and not wealthy enough to buy it on their own
-Males that are not married and don't have kids in states that didn't vote to expand Medicare.
-Undocumented immigrants
-Procedure in ACA says if premium you are required to pay is above some portion of your income then you don't have to pay it (not eligible for Medicaid but can't afford the premium on the exchange and the subsidy isn't enough to make up for it)
Major changes underway in ownership of hospitals (MAYBE DELETE)
From free standing independent, governed by Board of community leaders; doctors in private practice
To multi-hospital systems employing physicians in community settings; owning and operating dispersed outpatient and imaging facilities
How alternative methods of payment shift financial risk
-Incentive to provide more or fewer services based on payment method
-Ex. Fee for service vs. capitation: Will perform more services in FFS vs. Capitation
-When you move from FFS to Global budget: More aggregated, more of the risk is shifted from the insurer to the provider.
-Pay for performance: more risk shifted to provider.
Biggest penalties we are seeing are placed on hospitals that are treating very poor patients because they tend to have more complicated health problems.
Scope of practice
What providers are allowed to do in each state
State licensure limitations on providers
Different states have different licensing requirements, licensing boards are made up of professionals with a vested interest in maintaining exclusivity within the profession.
Safety-net providers
Providers who accept everyone regardless of insurance
Role of community health centers in access to ambulatory care
Provide primary care services at little to no cost to people living in federally designated rural or inner-city underserved areas
Requirements of the informed consent doctrine
-full disclosure of the nature of the research and the participant's involvement,
-adequate comprehension on the part of the potential participant, and
-the participant's voluntary choice to participate.
-Must be in lay terms
What must be disclosed to individuals to enable informed decision-making
-Description of procedure
-Risks and benefits
-Description of alternatives
-Results of no treatment
-Probability of success
-Major problems in recuperation/time of recuperation
-Any other "materially relevant" information.
Presumption of legal competence and requirements for overcoming the presumption
Adults are presumed competent by law, and the burden of proving they are not is on the person who wants to "declare" the patient incompetent.
If a patient is incompetent, the personal advocate, nearest relative, or health care agent can usually make medical decisions for the patient
The physician cannot make medical decisions for the patient.
Missouri requires that evidence of the incompetent's wishes as to the withdrawal of treatment be proved by clear and convincing evidence
Parens patriae power
Literally means "parent of the country"
Refers to the state's duty to protect those citizens who cannot care for themselves.
Difference between medical treatment and research
-Physicians treat patients with a treatment known to be safe and effective that the physician believes in in the patient's best interest and with informed consent.
-Researchers follow a scientifically protocol to test a hypothesis, which is followed whether the intervention is working or not.
-Medical treatment benefits you, whereas research may not benefit you.
Reasons for requiring consent to medical care and to research.
Primary means of protecting the legal rights of patients and guiding the ethical practice of medicine.
It may be used for different purposes in different contexts: legal, ethical, or administrative
Primary prevention
Prevent onset of disease
Disease status: susceptible
Effects: reduced disease (incidence)
-Avoiding disease and promoting good health practices, includes social and behavioral determinants of health.
Secondary prevention
screening/early detection, prevent progression
Disease status: asymptomatic
Effects: reduced prevalence consequence
Health promotion directed at people who are at high risk for contracting diseases but may not be sick.
Tertiary prevention
Maintain health status, improve function
Disease status: symptomatic. Disease has already happened
Effects: reduced complications/disability
Cost-saving
cost of prevention is less than the cost of treatment
Cost-effective
May not save money in treatment but maintain significant benefit
The U.S Preventive Services Task Force (USPSTF)
A panel of independent experts that make graded recommendation on what preventative measure should be covered by insurance
A (recommended) → B → C → D (not recommended) → I (insufficient evidence)
REcommendations do not need to be cost-saving.
Levels of Change
Top Increasing population impact
Counseling and education,
driver’s ed
SNAP
EPA clean air act
Clinical interventions
antibiotics
cancer care
Long-lasting protective interventions
Vaccinations
dental sealants
Changing the context to make individuals' default decisions healthy
Calorie counts
cigarette warning labels
soda ban or tax
Socioeconomic factor
universal basic income
housing subsidies
Bottom Increasing the individual effort needed