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Why do people buy health insurance? Conventional theory holds that people purchase insurance because they prefer the certainty of paying a small premium to the risk of getting sick and paying a large medical bill. Conventional theory also holds that any additional health care that people purchase when they are insured is of such low value that it is not worth the costs of providing it. As a result, economists have promoted policies, such as cost sharing and managed care, to reduce consumption of this "low-value" care. This book presents a new theory of consumer demand for heath insurance. It holds that people purchase insurance to obtain additional "income" when they become ill. In effect, insurance companies take the premiums paid by those who remain relatively healthy and transfer them to those who come down with a serious disease. This additional income often allows sick persons to obtain medical care that they may not otherwise be able to afford. The value of health insurance, therefore, stems largely from the value of the additional health care that insurance makes possible, and has little, if anything, to do with preferences for certainty. Because its value lies largely in providing access to necessary health care, health insurance is held to be much more valuable under the new theory than the old. The new theory also implies that cost sharing and managed care -- central health policies of the last 30 years -- were largely directed at solving problems that did not exist. Because these policies either reduced the "income" transferred to ill persons or limited access to additional health care, they may have done more harm than good. The new theory suggests that insurancecoverage should be extended to the uninsured. It also provides a solid theoretical justification for implementing some form of national health insurance. The new theory emphasizes three constraints.

Clinical Audit in Mental Health Towards a Multidisciplinary Approach John Riordan Central Psychology Service, Thorpe Combe Hospital, Walthamstow, UK and Darren Mockler Neuropsychology Department, King’ s College Hospital, London, UK Clinical audit is central to current health care reforms. Although the concept of audit is now well accepted, the key challenge is its implementation in different specialities. In the field of mental health care a highly collaborative, team-based approach is essential, and audit practice must take into account the activities of the full range of multidisciplinary professional groups in hospital and community settings. The content of this book reflects the growing need to extend the principles of medical audit to encompass clinical audit in order to meet the demands of purchasers, providers, clinicians, carers and patients. An evaluation of key areas of care such as delivery, timeliness and outcome, with an emphasis on quality, is provided. The approach to clinical audit, here, is essentially practical and case-oriented and this book will appeal to a wide audience including psychiatric services managers, consultant psychiatrists, social services care managers and community care teams, and quality assurance professionals.

Central Government Health Scheme - The Central Government Health Scheme(CGHS) was started under the Ministry of Health and Family Welfare in 1954 with the objective of providing-Comprehensive medical care facilities to the Central Government employees and their family members.

WellSpan Health - WellSpan Health is a large integrated health care system located in southcentral Pennsylvania. Headquartered in York, PA, Wellspan Health includes York Hospital, Gettysburg Hospital, the WellSpan Medical Group, VNA Homehealth Care, South Central Preferred, and several other health care provider entities in the York and Adams county region.

Citizens Party: School - Health Care - Care - Citizens Party: School - Health Care - Care (in Swedish: Medborgarpartiet: skola - vÃ¥rd - omsorg) a local political party in Hultsfred, Sweden. The party is led by GÃ¶ran Berglund.

Primary health care - Primary health care was a new approach to health care that came into existence following an international conference in Alma Ata in 1978 organised by the World Health Organisation and the UNICEF. The Alma Ata conference defined primary health care as follows:

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