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Benefit design

Benefit design

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Benefit design

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  1. Benefit design Trustee training

  2. DOH vs CMS strategy Hospital care Primary care BBP DOH CMS Primary care Hospital care

  3. 1990s vs 2000s • Traditional plans • 100% • 80% • 70% • Nu-gen 100% benefit • Nu-gen co-payment / risk share plans

  4. Healthcare Product • Like any other commercial product • Identify market • Targeting and segmenting • Age/sex distribution • Salary distribution • Geographic distribution • Identify needs • Age/sex distribution • Disease profile • Will PMB/CDL be enough? • Access: Geographic distibution • Meet the needs • Satisfied member / Grow the demand • Build the brand / loyalty

  5. First step • Demographic profile • Developed world • Developing world • One cross subsidised product or…. • Public health needs • Maslow’s theory • Consumer demands • Marketing/branding benefits

  6. Public health needs • Water, sanitation, housing, security • Primary care: • Immunisation, • preventative care, • Consults, medicine, diagnostic, dental and optical benefits • Consumer demand • Comprehensive hospital cover – high ticket item • High cost outpatient care cover e.g. MRIs • Marketing benefit • Lifestyle benefits

  7. Some benefit design scenarios Non-PMB chronic cover Savings Risk transferr Risk transferr Savings Non-PMB chronic cover Savings Higher add-on benefits: Some non-PMBs specified in terms of Rand amount per member per year and / or limits for specific forms of treatment Savings Add-on benefit: some non-PMBs specified in terms of Rand or limits Non-PMB hospital cover Prescribed minimum benefits Adapted from Trustee training presentation,E Stipp 2005.

  8. Provider re-imbursement • FFS • Per diems • DRG • Capitation • Risk adjusted capitation • Risk share arrangements