An accountant on how to make Ireland’s health system better – The Irish Times & More News Here

As our health system begins to return to regular exercise ranges following the Covid-19 pandemic, we wish to hear from medical doctors, nurses, paramedics, medical secretaries, hospital porters, canteen employees and others about one change they want to see in our health system.

It might be one thing easy that annoys you, day in, day trip, that’s simply fastened, or it may be a small change in apply or perspective that may make life simpler for everybody. Email: [email protected] together with your suggestion.

Dara Hogan

(Accountant)

As a retired accountant, I discover it unusually tough to make significant like-for-like comparisons between the 321 completely different health-insurance plans provided by the 4 insurers within the Irish market. Most households should discover it nigh inconceivable to make such choices when choosing a health insurance coverage plan. This is as a result of the assorted insurance policies provide an enormous number of advantages, circumstances and restrictions. It’s nearly as if the insurers don’t desire households to have the ability to examine the completely different insurance policies. The Health Insurance Authority (HIA) web site helps within the process of evaluating plans however, even with that instrument, it’s nonetheless an exceedingly complicated process.

Standard plans

The one small change I would really like to see is for all 4 health insurers to be required to provide, say, 4 customary health insurance coverage (as well as to their present big selection of insurance policies).

These 4 customary plans might be positioned on the backside, lower-middle, upper-middle and prime of the market. Typically they would offer advantages roughly categorised as (1) public ward plus primary advantages (2) semi-private room plus low-cost advantages (3) semi-private room plus costlier advantages and (4) non-public room plus top-level advantages.

The Department of Health and/or the HIA can be tasked with specifying the 4 customary plans with enter from the insurers. Insured households can be permitted to choose one of many customary plans and, if required, to add on a restricted variety of specific non-standard advantages of their alternative, eg maternity profit. Hospitals can be required to worth their companies in alignment with some or the entire 4 customary plans the place related, eg some public hospitals could not provide non-public rooms.

This strategy would radically simplify the duty of evaluating health insurance coverage insurance policies and it will allow households to make real, like-for-like comparisons when renewing their cowl.

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