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U.S. insurers and providers spent more than $800 billion in 2017 on administration, or nearly $2,500 per person — more than four times the per-capita administrative costs in Canada’s single-payer system, a new study finds.
Over one third of all healthcare costs in the U.S. were due to insurance company overhead and provider time spent on billing, versus about 17% spent on administration in Canada, researchers reported in Annals of Internal Medicine.
Cutting U.S. administrative costs to the $550 per capita (in 2017 U.S. dollars) level in Canada could save more than $600 billion, the researchers say.
“The average American is paying more than $2,000 a year for useless bureaucracy,” said lead author Dr. David Himmelstein, a distinguished professor of public health at the City University of New York at Hunter College in New York City and a lecturer at Harvard Medical School in Boston.
“That money could be spent for care if we had a ‘Medicare for all program’,” Himmelstein said.
To calculate the difference in administrative costs between the U.S. and Canadian systems, Himmelstein and colleagues examined Medicare filings made by hospitals and nursing homes.
For physicians, the researchers used information from surveys and census data on employment and wages to estimate costs. The Canadian data came from the Canadian Institute for Health Information and an insurance trade association.
United States vs. Canada
When the researchers broke down the 2017 per-capita health administration costs in both countries, they found that insurer overhead accounted for $844 in the U.S. versus $146 in Canada; hospital administration was $933 versus $196; nursing home, home care and hospice administration was $255 versus $123; and physicians’ insurance-related costs were $465 versus $87 They also found there had been a 3.2% increase in U.S. administrative costs since 1999, most of which was ascribed to the expansion of Medicare and Medicaid managed-care plans.
Overhead of private Medicare Advantage plans, which now cover about a third of Medicare enrollees, is six-fold higher than traditional Medicare (12.3% versus 2%), they report. That 2% is comparable to the overhead in the Canadian system.
Why are administrative costs so high in the U.S.?
It’s because the insurance companies and health care providers are engaged in a tug of war, each trying in its own way to game the system, Himmelstein said. How a patient’s treatment is coded can make a huge difference in the amount insurance companies pay. For example, Hammerstein said, if a patient comes in because of heart failure and the visit is coded as an acute exacerbation of the condition, the payment is significantly higher than if the visit is simply coded as heart failure.
More and more paperwork required
This upcoding of patient visits has led insurance companies to require more and more paperwork backing up each diagnosis, Himmelstein said. The result is more hours that healthcare providers need to put in to deal with billing.
“(One study) looked at how many characters were included in an average physician’s note in the U.S. and in other countries,” Himmelstein pointed out. “Notes from U.S. physicians were four times longer to meet the bureaucratic requirements of the payment system.”
The new study is “the first analysis of administrative costs in the U.S. and Canada in almost 20 years,” said Dr. Albert Wu, an internist and professor of health policy and management at the Johns Hopkins School of Public Health in Baltimore. “It’s an important paper.”
‘Inefficient and wasteful’ system
“It’s clear that health costs in the U.S. have soared,” Wu said. “We’re paying for an inefficient and wasteful fee-for-services system.”
“Some folks estimate that the U.S. would save $628 billion if administrative costs were as low as they are in Canada,” said Jamie Daw, an assistant professor of health policy and management at Columbia University’s Mailman School of Public Health in New York City.
“That’s a staggering amount,” Daw said in an email. “It’s more than enough to pay for all of Medicaid spending or nearly enough to cover all out-of-pocket and prescription drug spending by Americans.” (VOA)
By Prerana Agarwal Saxena
In all the wedding excitement, it's easy to overlook the impact a wedding has on the environment. While everyone is making their big fat Indian wedding dreams come true, they are also adding their carbon footprint and undue energy consumption. Modern couples are now looking for ways to have a wedding with a sustainably conscious mindset. It's become about incorporating less waste, locally sourced and seasonal food, natural materials over the use of plastic. Mindful wedding planning and decor includes the use of recycled paper and goods along with eco-friendly venue needs. Check out this quick guide to achieve a sustainably conscious wedding without compromising on luxury:
Choose locally sourced material to uplift artisans
Sustainable can be luxurious too, incorporate some native flavour into the decor and theme. With the use of locally sourced materials and local artisans coming into play, the wedding instantly becomes sustainable. Include the work of local vendors ensure minimal packaging requirements, thus saving on unnecessary plastic and lamination. It also decreases the need for transporting elements from other cities and hence lowers the carbon footprint. For instance, at one of our weddings, we made use of sand art for a setup in Jodhpur. This helped promote local work while also being environmentally friendly with zero wastage of other materials. In another instance from Rajasthan, the traditional glass-blown technique was used to build decor items while giving a cultural touch to the destination wedding.
Sustainable can be luxurious too, incorporate some native flavour into the decor and theme. | Photo by Jason Coudriet on Unsplash
Say yes to recycling
One should be mindful and avoid the use of plastic and other non-recyclable materials in decor wherever possible. It can be a small step such as making a conscious switch from plastic water bottles to copper jugs or glass bottles. Also use artificial floral decor thus minimising the wastage produced from real flowers. This recyclable decor is then donated to various NGOs, further ensuring sustainable use of resources. Such steps, however small they might be, keep the environment free from the release of any additional carbon footprint.
One should be mindful and avoid the use of plastic and other non-recyclable materials in decor wherever possible. | Photo by Ravin Rau on Unsplash
Go for zero-waste wedding decor
Make use of fabric as it enhances the elegance of the wedding while being sustainable. Include vibrant colours apt to the theme of the wedding and bring in bright sprightliness with breathable fabrics. Ensure to include LED lights for lighting. They can be incorporated as string lights or be used on passageways with innovative decor items. They also help conserve energy and bring in soulful energy for nighttime decor. Choose virtual invitations, keeping up with the digital times. Make a conscious choice of plated dinner menus rather than a buffet as they allow less wastage of food and ensure enough food for guests in attendance.
LEDs can be incorporated as string lights or be used on passageways with innovative decor items. | Photo by Annie Spratt on Unsplash
Include Sustainable Gifting
Gift sustainable wedding favours -- gifts that grow. Offering a plant or a succulent, is a great idea. One can also gift recycled organic fabrics and cutlery or zero-waste kitchen and bathroom essentials to use in their homes as some distinct gifting options.
Gift sustainable wedding favours -- gifts that grow. | Photo by Kira auf der Heide on Unsplash
Acting in the best interest of the environment and the society, Theme Weavers Designs has started a social cause, Weaving Hope, where a part of their earnings along with food and decor are donated to social communities. Royal Rendezvous, is an event started by us to put India on the Global Map, inviting international wedding planners to India to experience the rich culture and heritage, also employing and displaying the work of local artisans to this international audience.
By applying the values of sustainability, you can reduce the energy consumed and the resources used as much as possible. Go ahead and have a luxurious zero-waste wedding and navigate into the world of green living! (IANS/ MBI)
Keywords: Luxurious , Gift, sustainable, wedding favours, gifts that grow. Gifting, recycling, locally sourced, material. zero-waste
The Tamil Nadu health department has administered 16,43,879 lakh doses of vaccine in the second mega vaccination camp organised by it. The state public health department in a statement on Sunday said that this has taken the total vaccination to one crore since the beginning of September till date. The vaccination was administered from 7 a.m. till 7 p.m. and the compiled data was made available late at night.
The health department officials also said that as the state has almost exhausted its quota of vaccines, there would not be any vaccines on Monday. Regular vaccination will resume after the vaccine supplies arrive from New Delhi, officials said. The state health department had expected to vaccinate 15 lakh people on Sunday in 18,824 centres spread across primary health centres, anganwadis, noon meal centres, government hospitals, schools and some auditoriums.
The health department officials also said that as the state has almost exhausted its quota of vaccines, there would not be any vaccines on Monday. | Photo by Mat Napo on Unsplash
Of the 16,43,879 people who were inoculated, a total of 10,85,097 received their first dose and 5,58,782 their second dose of vaccine, the statement said, A total of 9,66,568 people in the age group of 18-44 were vaccinated on Sunday and vaccines were administered on 5,02,578 people aged between 45- 59 in the mega vaccine camps.
State health minister Ma Subramanian, who inaugurated the vaccination at Pollachi, also visited the centres in six districts -- Coimbatore, Erode, Namakkal, Tiruppur, Dharmapuri and Salem. The state government, according to the health minister, is to receive the next allotment of vaccines on September 21. Minister while speaking to IANS said, "We will be receiving the next allotment of vaccines on September 21 itself and we will resume vaccinations immediately. The state has already touched one crore vaccine-mark in the month of September till date." (IANS/MBI)
Keywords: COVID, vaccine, vaccination camp, Tamil Nadu, India, vaccinated, mega camp
Festivals are just around the corner and while you brainstorm about OOTDs (outfit of the day), don't forget the right makeup. Hanisha Kapoor, COO, ArchiesBeauty.com shares makeup trends experimented by these Bollywood divas throughout 2021 for inspiration. While some stuck to the classics, others mixed it up... take a look:
The Classic Red Lip
We don't see a future where classic red lips go out of fashion. The right way to achieve this celebrity look is to focus on accentuating your lips and keeping the rest of the face minimal. Give your lips a good scrub to plump them, moisturize and follow it up with a red lip liner to define the shape of your lips. Now go on with the perfect shade of red and finish your look with a slick of eyeliner, minimal concealer, and foundation.
We don't see a future where classic red lips go out of fashion. | Photo by Ina Garbé on Unsplash
No Makeup Look
Deepika Padukon is the perfect example of a no-makeup look. This natural beauty does a wonderful job of achieving the minimal soft look by softly cover any dark spots or blemishes and highlighting features she's most proud of. To achieve this start with concealer and use small dots to brighten your darker areas like under eye, corner of the nose or upper lip, and any visible spots, and set it up with loose powder. Apply a soft pink lipstick, light blush, and mascara.
Deepika Padukon is the perfect example of a no-makeup look | Wikimedia Commons
This look shouts pink. When it comes to rosy looks, Janhavi Kapoor does a phenomenal job. Everyone should try a rosy look once in a while. As we are focusing on only one shade, this look is pretty easy to achieve. Bring out your favourite pink lipstick, favourite pink blush, and a matching shade of eye shadow. Start with the base - concealer, and foundation and set it up with loose powder. Follow it up with eyeshadow, lipstick, and blush. Remember to draw a line by not using any pink mascara, eyeliner, or a bold shade of lipstick, as this is meant to be soft on the eyes.
When it comes to rosy looks, Janhavi Kapoor does a phenomenal job. | Wikimedia Commons
Glass Skin Makeup
The glass skin makeup is inspired by Korean skincare. This look is slightly complex with an equal focus on skin before makeup, so slather on those moisturizing serums and creams to prep your skin first. Start with a highlighting primer, keep your foundation and concealer minimal to avoid looking cakey. Follow it up with soft blush & nude lips and lots and lots of highlighter. Use the highlighter on the main points of your face, like upper cheekbones, the centre of the forehead, the tip of the nose, cupid bone, and chin. If you are feeling a bit extra, don't hesitate to put some on your shoulders and collar bones. This celebrity makeup look makes your skin glow without the need for a spotlight.
The glass skin makeup is inspired by Korean skincare. | Photo by 邱 严 on Unsplash
Pop It Up
Put a zing to your party look with the pop of funky colour. This look is meant to get you in the mood of partying all night. This works with your eye makeup while keeping the rest of the face minimal. Start with the base - concealer, apply a bit extra on your eyelids to make the colour pop. Don't mind going the extra mile and colour blocking your eyes with complementary colours on eyelids and under the eye. Apply nude lipstick and a soft blush to balance your look.
This look is meant to get you in the mood of partying all night. | Pixabay
(Article originally published by N. Lothungbeni Humtsoe) (IANS/ MBI)
Keywords: Celebrity, makeup, Deepika, Jhanavi, Korean, Red Lipstick, Glass Makeup, Pop makeup