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The federal health care reform legislation, known as the Patient Protection and Affordable Care Act, signed by the President on March 23, 2010, and the Health Care and Education Reconciliation Act approved by Congress, signed by the President today, will expand the availability of health care coverage to millions of Americans. While some of the measures will be implemented this year, many do not take effect until 2014 and some extend out to 2020.

Below is a high-level overview of the timeline.   It is important to note that many of these reforms and their effective dates are subject to the rules and regulations process both at the state and federal levels – which could alter the intended timing of implementation.

2010

New Programs:
* Temporary retiree reinsurance program is established
* National risk pool is created, small business tax credit is established
* $250 rebate for Medicare members who reach the “doughnut hole”

Insurance Reforms:
* Prohibits lifetime benefit limits – based on dollar amounts
* Allows restricted annual limits on the dollar value of certain benefits
* Coverage rescissions/cancellations are prohibited (except for fraud or intentional misrepresentation)
* Cost-sharing obligations for preventive services are prohibited
* Dependent coverage up to age 26 is mandated
* Internal and external appeal processes must be established
* Pre-existing condition exclusions for dependent children (under 19 years of age) are prohibited
* New health plan disclosure and transparency requirements are created

2011

Insurance Reforms:
* Uniform coverage documents and standard definitions are developed
* Minimum medical loss ratios are mandated

Medicare Reforms:
* Medicare Advantage cost sharing limits effective
* Medicare beneficiaries who reach the doughnut hole will receive a 50% discount on brand name drugs
* A 10% Medicare bonus will be provided to primary care physicians and general surgeons practicing in underserved areas, such as inner cities and rural communities.
* Medicare Advantage plans would begin to have their payments frozen.

Other:
* Employers are required to report the value of health care benefits on employees’ W2 tax statements.
* Annual industry fee for pharmaceutical manufacturers of brand name drugs.
* Voluntary long term care insurance program would be made available to provide cash benefit for assisting disabled individuals to stay in their homes or cover nursing home costs. Benefits would start five years after people begin paying a fee for coverage.
* Funding for community health centers would be increased to provide care for many low income and uninsured people.

2012

* Hospitals, physicians, and payers would be encouraged to band together in “accountable care organizations. “
* Hospitals with high rates of preventable readmissions would face reduced Medicare payments.

2013

* Individuals making $200,000 a year or couples making $250,000 would have a higher Medicare payroll tax of 2. 35% on earned income —up from the current 1. 45%. A new tax of 3. 8% on unearned income, such as dividends and interest, is also added.
* Medical expense contributions to flexible spending accounts (FSAs) limited to $2,500 a year—indexed for inflation. In addition, the thresholds for claiming itemized tax deduction for medical expenses rise from 7. 5% to 10% of income.
* Medical device manufacturers would have a 2. 9% sales tax on medical devices; devices such as eyeglasses, contact lenses, and hearing aids would be exempt.
* Eliminates deduction for expenses allocable to Medicare Part D subsidy for employers who maintain prescription drug plans for their Medicare Part D eligible retirees.

2014

Coverage Mandates & Subsidies:
* Individual and employer coverage responsibilities are effective.  
* Individual affordability tax credits are created and small business tax credits are expanded.

Health Insurance Exchange & Insurance Reforms:
* State individual and small group health insurance exchanges operational.
* Guaranteed issue, guaranteed renewability, modified community rating and minimum benefit standards (“essential benefits” plan) effective.  
* Lifetime and annual dollar limits are prohibited for essential benefits.
* Pre-existing condition exclusions are prohibited.

Taxes & Fees:
* Addition of new taxes on health insurers

Medicaid and Medicare Reform:
* Medicaid expanded to cover low income individuals under age 65 up to 133% of the federal poverty level—about $28,300 for a family of four.
* Minimum medical loss ratio of 85% required for Medicare Advantage plans

2018

Taxes & Fees:
* Tax (“Cadillac tax”) imposed on employer sponsored health insurance plans that offer policies with generous levels of coverage.

2020

Medicare Reform:
* Doughnut hole coverage gap in Medicare prescription benefit is fully phased out. Seniors continue to pay the standard 25% of their drug costs until they reach the threshold for Medicare catastrophic coverage.

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A review of health seeking behavior: problems and prospects

Author: Sara MacKian               Article reviewed by: Dr Nihar Ranjan Ray

INTRODUCTION:

Health seeking behavior refers to all those things humans do to prevent diseases and to detect diseases in asymptomatic stages. In contrast illness behavior refers to all those activities designed to recognize and explain symptoms after one feels ill, and sick role behavior refers to all those activities designed to cure diseases and restore health after a diagnosis has been made.

I agree to the author that there is growing recognition, in both developed and developing countries, that providing education and knowledge at the individual level is not sufficient in itself to promote a change in behavior. We need do something extra or focus to a different dimension to bring effective changes in health indicators. One more important thing that the author has insisted that factors promoting ‘good’ health seeking behaviors are not rooted solely in the individual, they also have a more dynamic, collective, interactive element. Understanding of the social capital and proper understanding of health seeking behavior could reduce delay to diagnosis, improve treatment compliance and improve health promotion strategies in a variety of contexts. Author has given utmost importance to make studies of health seeking behavior more useful from a health systems development perspective. In initial part of the article the author suggested the two approaches namely

(a) Health care seeking behaviors: utilization of the system

(b) Health seeking behaviors: the process of illness response

According to author variety of studies were conducted on the basis of macro analysis. Taking age, sex, geographical region etc. . But author aptly suggested that these determinants can be further broken to smaller fragments like Status of women, Elements of patriarchy, Social Age and sex, Socioeconomic Household resources Education level, Maternal occupation, Marital status, Economic status, ‘Cultural propriety’, Economic Costs of care Treatment, Travel time, Type and severity of illness Geographical Distance and physical access, Physical, Organizational Perceived quality and so many to identify the reality of the back ground problems. Despite the ongoing evidence from different studies that people do choose traditional and folk medicine or providers in a variety of contexts which have potentially profound impacts on health, few studies recommend ways to build bridges to enable individual preferences to be incorporated into a more responsive health care system. I find it most interesting that has been quoted by (Needham et al, 2001).   As they suggested “the need to improve integration of private sector providers with public care to tackle this problem in a better way” And with the Indian perspective at least I can’t agree with Ahemad et al that the training to these non formal providers are wrong. At least we can use their community motivation in a modern way so that the health seeking behavior of these people will change gradually.

 Now it is time to focus upon to understand the psycho logical process of these people as discussed in the section  Health seeking behaviors: the process of illness response. The understanding of the ‘healthy choices’, in either their lifestyle behaviors or their use of medical care and treatment. Among the different models discussed here namely (a) social cognition models (b) Health belief model (c) health locus of control

•(a)  social cognition models:

Predicting health behavior with social cognition models as per the figure illustrates I am completely agree with the author as she criticizes the model as “The downfall of these models is that most view the individual as a rational decision maker, systematically reviewing available information and forming behavior intentions from this. They do not allow any understanding of how people make decisions, or a description of the way in which people make decisions. “

•(b)  Health belief Model:

The health belief model is a largely accepted theory and like any other theory it has its limitation also like the author writes “The health belief model has been criticized for portraying individuals as asocial economic decision makers, and its application to major contemporary health issues, such as sexual behavior, have failed to offer any insights” Any how I personally feel this can be a model of reference for contemporary diseases. and also what I feel this model is still holds good in describing the STIs though stigma, shame ness and sexual conservativeness comes into play.

It may be right that the way Mc Phill et all thinks “developed country research has a better track record of exploring this broader contextual picture, whilst work in developing countries tends not to acknowledge the poor relationship between knowledge and health seeking behavior. ” Apart from the KABP model I find the description of the Reflexive communities are interesting . Reflexive communities reflect the particular ways of behaving, thinking and reaching decisions of individuals or groups, that in turn reflect the social construction of their position in wider society at a particular place and time. Information regarding health seeking has many facets and determinants like ‘moral, affective, aesthetic, narrative and meaning dimensions’. So more scientific way of approach will be ‘aesthetic reflexivity’ which “means making choices about and/or innovating background assumptions and shared practices upon whose bases cognitive and normative reflection is founded” In order to understand how people reach the decision  we need to know also how  the underlying, unspoken, unconscious feelings and assumptions which support that cognitive process. These concepts that are been discussed here  are seems to be more theoretical to practice . But still these issues are need to be addressed aptly for events like HIV/AIDS . I and I am completely agreed with Harvey that “the way people perceive risks and experience risk should be a matter for public policy”

Health seeking behavior and the probes: a review

Health seeking behavior differs for the same individuals or communities

when faced with different persons, times& illnesses.    The article has described some of the examples here. They have  given a very nice example here regarding the health seeking practices of women when faced with abnormal vaginal discharge, as opposed to malaria. I think this is more a big problem in countries like India & Bangladesh than the developed worlds. Again the shortage of the female Health care staffs worsens the problem. And the most important thing that I feel is most of the sensitive illnesses or diseases or public health problems are having this problem. Or thinking in the reverse way that due to this embedded problem it is very difficult to address these problems or not getting quick results. Among the examples I try to touch them in short. Only the key issues are given as described the author. I think she has identified it very nicely from different studies.

Tuberculosis

(a) Late presentation and delayed diagnosis are  problems for TB, reflecting both

individual and social factor. Delay can be related to social stigma, gender, fear or multiple health seeking.

(b) Culturally sensitive and situated understanding of health seeking behavior may

Provide better  treatment compliance and shorten delay of diagnosis.

©Health education should be started  at family and community level to improve

awareness and to avoid stigma.

(d)The doctor-patient relationship may need particular attention in relation to TB due to the lengthy treatment period.

Maternal and child health

(a) The way in which women reach the decisions they can have a great influence

on child morbidity and mortality and is therefore worthy of continued study.

(b) There may be a better ways of exploring women’s involvement in health

system and social structures .

Diabetes Type 1

(a)Perhaps the lack of material suggests there is more work needed in this area?

          (b)The doctor-patient dynamic can potentially be used to promote ‘good’ health

seeking behavior and compliance with treatment, and is an issue reflected across

the probes.

Social capital and Health & Development

Social resources norms and networks or processes and conditions within society that allow for the development of human and material capital. So  social capital is created and used through individual participation. Bonding social capital which links members of a particular group, and bridging  social capital which links across groups. So the first one when addresses the Horizontal Equity the later addresses the Vertical Equity. Social capital provides a means of shifting the focus from individuals to social groups, and the social involvement of the actions of individuals. Though it varies from community to community but social capital also has implications for the operation of health systems description of that in detail is beyond the scope of this literature.

Health seeking behavior in the context of health systems

Non formal practitioners  and birth attendants so embedded in the existing social

fabric and reflexive communities so that mostly the women deny delivery in favour of trained public service doctors. And in the Indian sub-continent  public doctors running private clinics alongside their public role, where they can charge patients they have referred from the public system, may have the effect of undermining trust in the wider system.

Conclusion

  “To begin to picture the resources and constraints. . . the way the actor experiences them, is to take a crucial step towards understanding why and how people do what they do”

   This statement by  Wallman and Baker I think we always need to remember be coz Health care is a system that is so much embedded into the society and individuality of the people that if you search for the influencing the factors than finally you will get all the branches of science on your table. So to be practical is more important than criticizing any issue theoretically and parallely we can’t ignore any issue how ever that may seem impractical. That is the beauty and problem of designing the policy for the Health care. What I feel like head of the family neglects himself in due course of taking care of other family members we should not land in a troubled water by focusing more on the peripheral issues of Health care delivery system than the center stage. We should not forget to address the problems of the internal clients to provide a better motivated care to the external clients. Which in my view very poorly addressed in international, national & regional level. And last but not the least is the financing system and its proper management is the key issue.

                   Dr Nihar Ranjan Ray

                   Indian Institute Of Public Health, Gandhinagar

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