DOCSLIB.ORG

International Profiles of Health Care Systems

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
International Profiles of Health Care Systems EDITED BY Elias Mossialos and Ana Djordjevic London School of Economics and Political Science MAY 2017 MAY Robin Osborn and Dana Sarnak The Commonwealth Fund International Profiles of Health Care Systems Australia, Canada, China, Denmark, England, France, Germany, India, Israel, Italy, Japan, the Netherlands, New Zealand, Norway, Singapore, Sweden, Switzerland, Taiwan, and the United States THE COMMONWEALTH FUND is a private foundation that promotes a high performance health care system providing better access, improved quality, and greater efficiency. The Fund’s work focuses particularly on society’s most vulnerable, including low-income people, the uninsured, minority Americans, young children, and elderly adults. The Fund carries out this mandate by supporting independent research on health care issues and making grants to improve health care practice and policy. An international program in health policy is designed to stimulate innovative policies and practices in the United States and other industrialized countries. MAY 2017 International Profiles of Health Care Systems Australia EDITED BY Canada Elias Mossialos and Ana Djordjevic London School of Economics and Political Science China Denmark Robin Osborn and Dana Sarnak The Commonwealth Fund England France To learn more about new publications when they become available, Germany visit the Fund’s website and register to receive email alerts. India Israel Italy Japan The Netherlands New Zealand Norway Singapore Sweden Switzerland Taiwan United States CONTENTS Table 1. Health Care System Financing and Coverage in 19 Countries . 6 Table 2. Selected Health Care System Indicators for 18 Countries . 7 Table 3. Selected Health System Performance Indicators for 17 Countries. 8 Table 4. Provider Organization and Payment in 19 Countries . 9 The Australian Health Care System . .11 The Canadian Health Care System. 21 The Chinese Health Care System . .31 The Danish Health Care System . .39 The English Health Care System . 49 The French Health Care System . 59 The German Health Care System. 69 The Indian Health Care System. 77 The Israeli Health Care System . 85 The Italian Health Care System . 95 The Japanese Health Care System . 105 The Dutch Health Care System . 113 The New Zealand Health Care System. 121 The Norwegian Health Care System . 129 The Singaporean Health Care System. 139 The Swedish Health Care System . 147 The Swiss Health Care System . 155 The Taiwanese Health Care System . 163 The U.S. Health Care System. 173 Table 1. Health Care System Financing and Coverage in 19 Countries Health System and Public/Private Insurance Role Benefit Design Private insurance role (core benefits; cost-sharing; noncovered ben- Government role Public system financing efits; private facilities or amenities; substitute for public insurance) Caps on cost-sharinga Exemptions and low-income protectiona Australia Regionally administered, joint (national & state) public hospital funding; universal General tax revenue; earmarked income tax ~47% buy complementary (e.g., private hospital and dental care, optom- Caps for pharmaceutical out-of-pocket expenditure Low-income and older people: Lower cost-sharing; lower public medical insurance program (Medicare) etry) and supplementary coverage (increased choice, faster access for only, dependent on income and total out-of-pocket pharmaceutical out-of-pocket cap and lower out-of-pocket nonemergency services, rebates for selected services) expenditure in the same year maximum for 80% Medicare services rebate Canada Regionally administered universal public insurance program that plans and funds Provincial/federal general tax revenue ~67% buy complementary coverage for noncovered benefits (e.g., private No There is no cost-sharing for publicly covered services; protec- (mainly private) provision rooms in hospitals, drugs, dental care, optometry) tion for low-income people from cost of prescription drugs varies by region China Supervision by health authorities (Health and Family Planning Commissions) There are three main publicly financed health insurance types Complementary to cover cost-sharing and gaps, as well as better health No Government subsidies to low-income families for insurance at the national, provincial and local levels; some direct provision through public with local-area risk pooling: urban employer-based (mainly pay- care quality and/or higher reimbursements; no data on coverage, but contributions and out-of-pocket costs; emergency assistance ownership of hospitals roll taxes, for formally employed urban residents), urban resident growth has been rapid by local governments for specific diseases and unpaid emer- basic (mainly government-funded, for urban nonemployed gency department or other expenses residents), and rural cooperative medical scheme (government- funded, for rural residents) Denmark National health care system; regulation, central planning, and funding by Earmarked income tax ~39% have complementary coverage (cost-sharing, noncovered benefits No; decreasing copayments with higher drug out-of- Drug out-of-pocket cap for chronically ill (DKK3,775 [USD498]); national government; provision by regional and municipal authorities such as physiotherapy), ~26% have supplementary coverage (access to pocket spending financial assistance for low-income and terminally ill private providers) England National Health Service (NHS) General tax revenue (includes employment-related insurance ~11% buy supplementary coverage for more rapid and convenient access No general cap, but out-of-pocket payments almost Drug cost-sharing exemption for low-income, older people, contributions) (including to elective treatment in private hospitals) exclusively apply to prescription drugs and medical children, pregnant women and new mothers, and some appliances only; for drugs, prepayment certificate with disabled/chronically ill; financial assistance with transport GBP29.10 [USD41.10] per three months or GBP104 costs available to people with low incomes; vision tests free for [USD147] per year ceiling for those needing young people, older people, and low-income people a large number of prescription drugs France Statutory health insurance system, with all SHI insurers incorporated into Employer/employee earmarked income and payroll tax; general ~95% buy or receive government vouchers for complementary No; EUR50 [USD60] cap on deductibles for Exemption for low income, chronically ill and disabled, a single national exchange tax revenue, earmarked taxes coverage (mainly cost-sharing, some noncovered benefits); limited consultations and services and children supplementary insurance Germany Statutory health insurance system, with 118 competing SHI insurers (“sickness Employer/employee earmarked payroll tax; general tax revenue ~11% opt out from statutory insurance and buy substitutive coverage; Yes; 2% of household income; 1% of income for Children and adolescents <18 years of age exempt funds” in a national exchange); high income can opt out for private coverage some complementary (minor benefit exclusions from statutory scheme, chronically ill copayments) and supplementary coverage (improved amenities) India Financing, legislation, and regulation by central government; financing, General tax revenue Limited role (<4% of total expenditure) providing substitutive coverage for No; significant reliance on out-of-pocket payments Various government-financed health insurance schemes for regulation, and direct provision of services by state governments the upper-class urban population (~70% of total health expenditure) poor and vulnerable population groups to improve access to hospitalization and reduce out-of-pocket payments Israel National health insurance (NHI) system with four competing, nonprofit health Earmarked income-related tax and general government revenues Complementary (for benefits such as dental care, drugs, or long-term care) Not overall; caps on out-of-pocket costs for drugs Quarterly out-of-pocket caps for drugs for the chronically plans; government distributes the NHI budget among the health plans primarily and supplementary coverage (for quicker access and superior service) pro- (chronically ill only) and specialist visits (at house- ill and age-, income-, and health status-related discounts; through capitation vided by two types of voluntary health insurance: VHI offered by statutory hold level) copayment exemptions for holocaust survivors; age-, income-, health plans (HP-VHI) (~87% of adult population coverage); commercial disability-, and health status-related exemptions on copay- VHI (C-VHI) (~53% coverage); C-VHI tend to be more comprehensive and ments for specialist consultations; reduced health tax more expensive (3% instead of 5%) for people on low incomes Italy National health care system; funding and definition of minimum benefit pack- National earmarked corporate and value-added taxes; general tax Patients buy complementary (services excluded from statutory benefits) No; max EUR46.15 [USD61] copayment per outpa- Exemptions for low-income older people/children, pregnant age by national government; planning, regulation, and provision by regional revenue and regional tax revenue or supplementary coverage (more amenities in hospitals, wider provider tient specialist consultation or diagnostic procedure; women, chronic conditions/disabilities, rare diseases governments choice); around 5.5% buy individual VHI coverage (1.33 million families), limited copayment (regional rates) on drugs while around 2.5 million people have group coverage Japan
Load more

Recommended publications
  • Canada Health Act Canada Health Act
    CANADA HEALTH ACT CANADA HEALTH CANADA HEALTH ACT Public Administration Public Administration Accessibility Accessibility Universality Universality ANNUAL REPORT Comprehensiveness Comprehensiveness 2014–2015 Portability Portability ANNUAL 2014 REPORT 2015 Health Canada is the federal department responsible for helping the people of Canada maintain and improve their health. Health Canada is committed to improving the lives of all of Canada’s people and to making this country’s population among the healthiest in the world as measured by longevity, lifestyle and effective use of the public health care system. Published by authority of the Minister of Health. Canada Health Act – Annual Report 2014–2015 is available on Internet at the following address: http://www.hc-sc.gc.ca/hcs-sss/pubs/cha-lcs/index-eng.php Également disponible en français sous le titre: Loi canadienne sur la santé – Rapport Annuel 2014-2015 This publication can be made available on request on diskette, large print, audio-cassette and braille. For further information or to obtain additional copies, please contact: Health Canada Address Locator 0900C2 Ottawa, Ontario K1A 0K9 Telephone: (613) 957-2991 Toll free: 1-866-225-0709 Fax: (613) 941-5366 © Her Majesty the Queen in Right of Canada, represented by the Minister of Health of Canada, 2015 All rights reserved. No part of this information (publication or product) may be reproduced or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, or stored in a retrieval system, without prior written permission of the Minister of Public Works and Government Services Canada, Ottawa, Ontario K1A 0S5 or [email protected] HC Pub: 150140 Cat.: H1-4E-PDF ISBN:1497-9144 ACKNOWLEDGEMENTS Health Canada would like to acknowledge the work and effort that went into producing this Annual Report.
    [Show full text]
  • The Risk Management Standard AS/NZS 4360
    BROADLEAF CAPITAL INTERNATIONAL PTY LTD ABN 24 054 021 117 23 Bettowynd Road Tel: +61 2 9488 8477 Pymble Mobile: +61 419 433 184 NSW 2073 Fax: + 61 2 9488 9685 Australia www.Broadleaf.com.au [email protected] Specialists in Strategic, Enterprise and Project Risk Management TUTORIAL NOTES: THE AUSTRALIAN AND NEW ZEALAND STANDARD ON RISK MANAGEMENT, AS/NZS 4360:2004 1 Introduction Dr Dale F Cooper, a Director of Broadleaf, is a founding member of the joint Standards Australia and Standards New Zealand Technical Committee OB-007 that developed the Australian and New Zealand Standard on risk management, AS/NZS 4360:2004 [7], and the associated Handbook [8], and Grant Purdy, an Associate Director of Broadleaf, is currently Chair of the Committee. Dennis Goodwin is also a member of the committee. The Standard was developed in response to a perceived need for practical assistance in applying risk management in public sector and private sector organisations. It has since become one of the most popular Standards in publication, and a range of supporting handbooks has been prepared. At least part of the focus on the importance of risk management and the drive for a Standard was stimulated by the release of the NSW Government Risk Management Guidelines in 1993 [6] and their designation as NSW Government policy for all capital works expenditure above $5 million. Dr Cooper made substantial contributions to the NSW Guidelines, whose structure is very similar to that of the Standard. The approach of the Standard has since been adopted by the Australian Government [2, 3, 4], a range of large public companies [1 , for example] and the UK National Health Service.
    [Show full text]
  • Statutory Accounting Principles (E) Working Group Materials
    Statutory Accounting Principles Working Group Additional Handouts June 13, 2009 1. Comment letter from Interested parties 2. Separate Account Subgroup Update and Referral 3. Principles Based Reserving Update 4. Ref # 2009-11 Accounting Practices and Procedures Manual Content Changes Additional Handout 1 - IP Comment Letter D. Keith Bell, CPA Rose Albrizio, CPA Senior Vice President Vice President Accounting Policy Accounting Practices Corporate Finance AXA Financial, Inc. The Travelers Companies, Inc. 212-314-5630; FAX 212-314-5662 860-277-0537; FAX 860-954-3708 Email: [email protected] Email: [email protected] June 10, 2009 Mr. Joe Fritsch, Chairman Statutory Accounting Principles Working Group National Association of Insurance Commissioners 2301 McGee Street, Suite 800 Kansas City, MO 64108-2604 RE: Comments on Other Than Temporary Impairments of Loan-backed and Structured Securities Dear Mr. Fritsch, We offer the following comments on Other Than Temporary Impairments of Loan- backed and Structured Securities, which represent the views of the interested parties included in the attached sign on list. Many companies (primarily property/casualty companies or P&C companies) prefer to make no change to statutory accounting. These differing views result from the current differences in statutory accounting rules for life companies eligible for IMR and AVR reporting, HMO, stand-alone health and P&C companies not eligible for AVR and IMR reporting as well P&C companies’ concerns about the added complexity involved in bifurcating credit and non credit losses. Background SSAP No. 43 Prior to the adoption of SSAP No. 98, the statutory accounting rules for other than temporary impairment (OTTI) of loan-backed and structured securities were governed by SSAP No.
    [Show full text]
  • Guidelines for Health Surveillance [Nohsc:7039(1995)]
    GUIDELINES FOR HEALTH SURVEILLANCE [NOHSC:7039(1995)] DECEMBER 1995 1October 1995 2 FOREWORD The National Occupational Health and Safety Commission is a tripartite body established by the Commonwealth Government to develop, facilitate and implement a national occupational health and safety strategy. This strategy includes standards development, the development of hazards- specific and industry-based preventive strategies, research, training, information collection and dissemination and the development of common approaches to occupational health and safety legislation. The National Commission comprises representatives of peak employee and employer bodiesthe Australian Council of Trade Unions and the Australian Chamber of Commerce and Industryas well as the Commonwealth, State and Territory governments. Consistent with the National Commission’s philosophy of consultation, tripartite standing committees have been established to deal with issues relating to standards development, research and the mining industry. Expert groups and reference groups may be established to provide advice to the standing committees on those issues with which the National Commission is concerned. i December 1995 PREFACE The following is a list of the Guidelines for Health Surveillance [NOHSC:7039(1995)] which are published as part of a series by the National Commission: • acrylonitrile; • inorganic arsenic; • asbestos; • benzene; • cadmium; • inorganic chromium; • inorganic lead; • creosote; • isocyanates; • inorganic mercury; • 4,4'-methylene bis (2-chloroaniline)
    [Show full text]
  • Employee Benefits Guide Document Is Available in a Larger Font
    Employee Benefits Guide For Employees Who Are Members of the Seattle Police Officers’ Guild* 2021 *City Employees Covered by a Union Contract with Seattle Police Officers’ Guild Updated June 11, 2021 For assistance understanding the information in this document • Need to speak with someone in a language other than English? Call the Benefits Unit at 206-615-1340 and we will help you access Language Line Services. You will have access to an interpreter and a Benefits Unit staff member to answer your questions. • Hearing impaired? If you use a TDD, the City provides interpretation services. Call 7-1-1 or 1-800-833-6384 on your TDD. You will be connected with the Washington Relay Service. Give them the number of the party you want to call. They will call the person for you, then interpret information from your TDD to the person you are calling. • Visually impaired? This Employee Benefits Guide document is available in a larger font. To request an electronic copy, contact the Benefits Unit at 206-615-1340. • Would rather hear the information than read it? If your understanding is improved by having someone read or paraphrase information for you, you are invited to attend a benefits orientation. Orientations cover all City benefits and provide ample time for questions. You can meet with the presenter after the session if you have additional questions or questions you would like to ask confidentially. Orientations are held every other week. Orientations are held every other week – enroll on Employee Self-Service, Training section. If additional help is needed or you would prefer to speak to someone confidentially, please call the Benefits Unit at 206-615-1340.
    [Show full text]
  • Guide to Machinery and Equipment Safety
    Guide to machinery and equipment safety Contents Introduction ................................................................................................................................ 3 Consulting workers and workplace health and safety representatives ...................... 3 1. Key principles of machinery and equipment safety ............................................ 4 1.1 Mechanical hazards ................................................................................................ 4 1.2 Non-mechanical hazards ....................................................................................... 5 1.3 Access hazards ........................................................................................................ 6 Access.......................................................................................................................................... 6 2. Risk control of machinery and equipment hazards ............................................. 9 2.1 Risk control of general hazards ........................................................................... 9 2.2 Risk control of mechanical hazards ................................................................. 10 Guarding .................................................................................................................................... 10 Other mechanical hazard risk control options ................................................................ 13 2.3 Risk control of non-mechanical hazards ........................................................
    [Show full text]
  • Health Care Systems in the Eu a Comparative Study
    EUROPEAN PARLIAMENT DIRECTORATE GENERAL FOR RESEARCH WORKING PAPER HEALTH CARE SYSTEMS IN THE EU A COMPARATIVE STUDY Public Health and Consumer Protection Series SACO 101 EN This publication is available in the following languages: EN (original) DE FR The opinions expressed in this document are the sole responsibility of the author and do not necessarily represent the official position of the European Parliament. Reproduction and translation for non-commercial purposes are authorized, provided the source is acknowledged and the publisher is given prior notice and sent a copy. Publisher: EUROPEAN PARLIAMENT L-2929 LUXEMBOURG Author: Dr.med. Elke Jakubowski, MSc. HPPF, Advisor in Public Health Policy Department of Epidemiology and Social Medicine, Medical School Hannover Co-author: Dr.med. Reinhard Busse, M.P.H., Department of Epidemiology and Social Medicine, Medical School Hannover Editor: Graham R. Chambers BA Directorate-General for Research Division for Policies on Social Affairs, Women, Health and Culture Tel.: (00 352) 4300-23957 Fax: (00 352) 4300-27720 e-mail: [email protected] WITH SPECIAL GRATITUDE TO: James Kahan, Panos Kanavos, Julio Bastida-Lopez, Elias Mossialos, Miriam Wiley, Franco Sassi, Tore Schersten, Juha Teperi for their helpful comments and reviews of earlier drafts of the country chapters, and Manfred Huber for additional explanatory remarks on OECD Health Data. The manuscript was completed in May 1998. EUROPEAN PARLIAMENT DIRECTORATE GENERAL FOR RESEARCH WORKING PAPER HEALTH CARE SYSTEMS IN THE EU A COMPARATIVE STUDY Public Health and Consumer Protection Series SACO 101 EN 11-1998 Health Care Systems CONTENTS INTRODUCTION ........................................................... 5 PART ONE: A Comparative Outline of the Health Care Systems of the EU Member States ........................................
    [Show full text]
  • Canada Health Act a Barrier to Reform? Nadeem Esmail and Bacchus Barua
    2018 Is the Canada Health Act a Barrier to Reform? Nadeem Esmail and Bacchus Barua 2018 • Fraser Institute Is the Canada Health Act a Barrier to Reform? by Nadeem Esmail and Bacchus Barua Contents Executive Summary / i Introduction / 1 1 The Failures of Canadian Health Policy and the Case for Reform / 2 2 How Canadian Health Policy Differs from Other Systems / 5 3 What Is the Canada Health Act? / 16 4 To What Extent Is the Canada Health Act a Barrier to Reform? / 19 5 Options for Reform / 26 Conclusion / 30 References / 33 About the Authors / 39 Acknowledgments / 40 Publishing Information / 41 Purpose, Funding, and Independence / 42 Supporting the Fraser Institute / 42 About the Fraser Institute / 43 Editorial Advisory Board / 44 Esmail and Barua • Is the Canada Health Act a Barrier to Reform? • i Executive Summary Despite spending more on health care than the majority of developed countries with universal-access health-care systems, Canada performs poorly in inter- national comparisons of the performance of health systems. Canada’s health poli- cies also differ from those of other nations with universal-access health care—in particular, those that have the developed world’s best performing universal sys- tems—in a number of ways. These include policies affecting private involvement in the insurance and delivery of core medical services, patient cost-sharing, dual practice by physicians, and activity-based funding for hospitals. Evidence of how Canada’s health-care system underperforms coupled with concerns about its fis- cal sustainability in the future suggest the need for policy reform. Canadian health-care policy, including decisions about what services will be provided under a universal scheme, how those services will be funded and remunerated, who will be permitted to deliver services, and whether those ser- vices can be partially or fully funded privately is determined exclusively by prov- incial governments in Canada.
    [Show full text]
  • Health Systems in Transition (HIT) : France
    Health Systems in Transition Vol. 17 No. 3 2015 France Health system review Karine Chevreul Karen Berg Brigham Isabelle Durand-Zaleski Cristina Hernández-Quevedo Cristina Hernández-Quevedo (Editor), Ellen Nolte and Ewout van Ginneken (Series editors) were responsible for this HiT Editorial Board Series editors Reinhard Busse, Berlin University of Technology, Germany Josep Figueras, European Observatory on Health Systems and Policies Martin McKee, London School of Hygiene & Tropical Medicine, United Kingdom Elias Mossialos, London School of Economics and Political Science, United Kingdom Ellen Nolte, European Observatory on Health Systems and Policies Ewout van Ginneken, Berlin University of Technology, Germany Series coordinator Gabriele Pastorino, European Observatory on Health Systems and Policies Editorial team Jonathan Cylus, European Observatory on Health Systems and Policies Cristina Hernández-Quevedo, European Observatory on Health Systems and Policies Marina Karanikolos, European Observatory on Health Systems and Policies Anna Maresso, European Observatory on Health Systems and Policies David McDaid, European Observatory on Health Systems and Policies Sherry Merkur, European Observatory on Health Systems and Policies Dimitra Panteli, Berlin University of Technology, Germany Wilm Quentin, Berlin University of Technology, Germany Bernd Rechel, European Observatory on Health Systems and Policies Erica Richardson, European Observatory on Health Systems and Policies Anna Sagan, European Observatory on Health Systems and Policies Anne
    [Show full text]
  • How Does Eye Care Seeking Behaviour Change with Increasing Age and Visual Impairment? Intersectional Analysis of Older Adults In
    Barman and Mishra BMC Geriatrics (2020) 20:71 https://doi.org/10.1186/s12877-020-1438-y RESEARCH ARTICLE Open Access How does eye care seeking behaviour change with increasing age and visual impairment? Intersectional analysis of older adults in the Indian Sundarbans Debjani Barman* and Manasee Mishra Abstract Background: Visual impairment disproportionately affects people in the low-income countries. A high proportion of visual impairment can be prevented or cured. Yet, care seeking for eye health is restricted for women and older adults. This article uses the intersectionality approach to understand how eye care seeking behaviour changes in men and women with increase in age and visual impairment in a poor and underserved region of India. It brings forth the commonalities and differences between the various groups. Methods: The article is based on qualitative data. Persons aged 50 years and more are categorized into young-old, middle-old and old-old. Men and women with low vision/ high visual impairment have been selected from each of the three age groups. In-depth interviews have been carried out with 24 study participants. Data saturation has been attained. The JHPIEGO Gender Analysis Framework underpins the study. The narrative data has been coded in NVivo 10 software. Results: Various symptoms are associated with visual impairment. The young-old with low vision do not report much difficulty due to visual impairment. Study participants with high visual impairment, and in the older age groups do. Difficulty in the discharge of regular chores due to visual impairment is rarely reported. Impaired vision is considered to be inevitable with advancing age.
    [Show full text]
  • The French Health Care System: a Brief Overview
    The French Health Care System: A brief overview. Presentation prepared for the PWG meeting1 Agnès Couffinhal, CREDES2 Health Insurance and access to care To best understand how the French health care system works, I think it is best to begin with a look at the French health insurance system. First of all, all legal residents of France are covered by public health insurance, which is one of the social security system's entitlement programs. The public health insurance program was set up in 1945 and coverage was gradually expanded over the years to all legal residents: indeed, until January 2000, a small part of the population was still denied access to the public health insurance. The funding and benefits of the French public health insurance system (PHIS), much like Germany's, were originally based on professional activity. The main fund covers 80% of the population. Two other funds cover the self-employed and agricultural workers. Once varying depending on the fund, disparate reimbursement rates were replaced by uniform rates. The funds are financed by employer and employee contributions, as well as personal income taxes. The latter's share of the financing has been ever-increasing in order to: · compensate for the relative decrease of wage income, · limit price distortions on the labor market, · and more fairly distribute the system's financing among citizens. Most health insurance funds are private entities which are jointly managed by employers' federations and union federations, under the State's supervision. The joint labor/management handling has always sown discord within the funds' boards, as well as between the boards and the State.
    [Show full text]
  • Kentucky Health Cooperative Guide to Using Your Health Insurance Plan
    KENTUCKY HEALTH COOPERATIVE, INC. THE WAIT IS OVER! I HAVE HEALTH INSURANCE. NOW WHAT? A Guide to Using Your Health Insurance Plan Brought to You By Kentucky Health Cooperative, Inc. 1-855-687-5942 #KYHC #GetHealthyKy www.mykyhc.org CONGRATULATIONS ON YOUR HEALTH PLAN DECISION! This booklet may provide new information about your health insurance plan. Or, it may serve as a refresher. Either way, we hope you fi nd it helpful. Note: Examples in this guide do not refl ect specifi c plans. If you are a Kentucky Health Cooperative plan member, please contact your agent with questions. Or, you may call Member Services at 1-855-687-5942 for details about costs and features of plans. NOTES ABOUT MY PLAN Year: _______________________________________________________________ Effective Date: ______________________________________________________ Premium Due Date: __________________________________________________ Name/Phone Number, Email Address of Insurance Agent, kynector, or Other Person Who Helped Me: ________________________________________ ____________________________________________________________________ The Name of My Plan Is: _____________________________________________ My Member ID: _____________________________________________________ My Primary Care Provider Is: _________________________________________ Phone number: ______________________________________________________ My Provider’s Website URL: __________________________________________ My Specialists: ______________________________________________________ ____________________________________________________________________
    [Show full text]