Private payers of health care in Brazil: characteristics, costs and coverage.

Abstract:

:The private sector is the predominant provider of health care in Brazil, particularly for inpatient services, and financing is a mix of public (through a prospective reimbursement system) and private. Roughly a quarter of the population has private insurance coverage, reflecting rapid growth in the past decade fuelled by the crisis in the public reimbursement system and the perceived deterioration of publicly provided care. Four major forms of insurance exist: (1) prepaid group practice; (2) medical cooperatives, physician owned and operated preferred provider organizations; (3) company health plans where employers ensure employee access to services under various types of arrangements from direct provision to purchasing of private services; and (4) health indemnity insurance. Each type of plan includes a wide variety of subplans from basic individual/family coverage to comprehensive executive coverage. The paper discusses the characteristics, costs and utilization patterns of all types of privately financed care, as well as the major problems associated with private financing: the limited package of benefits and low payout ceilings, inadequate consumer information and virtually no regulation.

journal_name

Health Policy Plan

authors

Lewis MA,Medici AC

doi

10.1093/heapol/10.4.362

subject

Has Abstract

pub_date

1995-12-01 00:00:00

pages

362-75

issue

4

eissn

0268-1080

issn

1460-2237

journal_volume

10

pub_type

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