the government manages health insurance and care in germany.
the government manages health insurance and care in germany.
who manages health insurance and care in germany?
the government
besides the "statutory health insurance" ("") covering the vast majority of residents, those with a yearly income above 60,750 euros (2019), students and civil servants for complementary coverage can opt for private health insurance (about 11% of the population have private health insurance). most civil servants benefit from a tax-funded government employee benefit scheme covering a percentage of the costs, and cover the rest of the costs with a private insurance contract. recently, private insurers provide various types of supplementary coverage as an add upon of the shi benefit package (e.g. for glasses, coverage abroad and additional dental care or more sophisticated dentures). health insurance in germany is split in several parts. the largest part of 89% of the population is covered by a comprehensive health insurance plan provided by statutory public health insurance funds regulated under specific the legislation set with the "sozialgesetzbuch v (sgb v)", which defines the general criteria of coverage, which are translated into benefit packages by the federal joint committee. the remaining 11% opt for private health insurance, including government employees.
healthcare in germany
as per the constitution of canada, health care is mainly a provincial government responsibility in canada (the main exceptions being federal government responsibility for services provided to aboriginal peoples covered by treaties, the royal canadian mounted police, the armed forces, and members of parliament). consequently, each province administers its own health insurance program. the federal government influences health insurance by virtue of its fiscal powers – it transfers cash and tax points to the provinces to help cover the costs of the universal health insurance programs. under the canada health act, the federal government mandates and enforces the requirement that all people have free access to what are termed "medically necessary services," defined primarily as care delivered by physicians or in hospitals, and the nursing component of long-term residential care. if provinces allow doctors or institutions to charge patients for medically necessary services, the federal government reduces its payments to the provinces by the amount of the prohibited charges. collectively, the public provincial health insurance systems in canada are frequently referred to as medicare. this public insurance is tax-funded out of general government revenues, although british columbia and ontario levy a mandatory premium with flat rates for individuals and families to generate additional revenues - in essence, a surtax. private health insurance is allowed, but in six provincial governments only for services that the public health plans do not cover (for example, semi-private or private rooms in hospitals and prescription drug plans). four provinces allow insurance for services also mandated by the canada health act, but in practice there is no market for it. all canadians are free to use private insurance for elective medical services such as laser vision correction surgery, cosmetic surgery, and other non-basic medical procedures. some 65% of canadians have some form of supplementary private health insurance; many of them receive it through their employers. private-sector services not paid for by the government account for nearly 30 percent of total health care spending.
health insurance