Improving the enrollment rate for the individually paying program
(IPP) of the Philippine Health Insurance Corp. (PhilHealth) is an important
component of the government’s goal of achieving universal health care for the
country. The country aims to attain universal health care by 2016 when some 100
million Filipinos shall have been enrolled with PhilHealth.
However, one of the biggest
stumbling blocks in achieving this goal is the low coverage rate in
PhilHealth’s IPP, the voluntary component of the country’s social health
insurance. Those enrolled in the IPP scheme are individuals who opt to pay for
their own membership. They generally include the self-employed, self-earning,
and those in occupations without a formal employer-employee relationship.
According to a study by state
think tank Philippine Institute for Development Studies (PIDS), the informal
sector represents around 43–50 percent of the total labor force. Thus, having a
56-58 percent coverage rate for IPP at the national level at present indicates
that over 40 percent of the population who do not qualify as dependents and are
not employed in the formal sector have no health insurance coverage.
The study also noted that
given the voluntary nature of the IPP, it has become an important point of
focus for the expansion of the social health insurance in achieving universal
coverage. The IPP contrasts with PhilHealth’s employed program where health
insurance coverage for employees is mandatory.
Thus, for better and more
efficient targeting of the sectors of the population that are otherwise
difficult to capture, PIDS researcher and author of the study, Denise Valerie
Silfverberg, looked into the determinants of enrollment into the IPP.
According to Ms. Silfverberg, the availability of health-care
resources appears to be an important consideration in terms of the level of IPP
coverage, particularly in provinces. “Bed-population and health
professional-population ratios come out significantly positive. This result is
an indication of the importance of having the resources at reasonable
proximity,” she noted.
Ms. Silfverberg further
explained that in order for individuals to take the decision to enroll into
health insurance scheme, they must first see its value. Thus, availability and
accessibility of health-care services, she said, is a crucial determinant in
the decision to avail or not to avail of health insurance.
“For certain provinces that
are more geographically constrained, government providers can address this
problem through the provision of mobile clinics or the augmentation of district
hospitals especially in geographically isolated areas. Both can be done through
public-private partnership,” the author recommended.
The PIDS study also observed
that the greater the number of private hospitals, the more likely it is for the
province to have higher coverage rates. This indicates that the existence of
private hospitals seemingly encourages individuals to enroll into the health
insurance scheme, presumably with the notion that if care is sought, they can
avail of private medical services with the use of PhilHealth.
“This recommendation is not
to undermine government health services providers. By supporting the health
insurance system, and in effect promoting enrollment, the consumers are able to
decide which services to avail of. This fosters market competition that could
encourage unsustainable public health services providers to innovate in order
to compete with the rest of the market,” Ms. Silfverberg maintained.
The study also concluded that
income levels do not appear to be a factor in determining the level of
insurance coverage of a province. This is demonstrated by two results—the
magnitude and significance of the average household income of the nonpoor
population and the real income per capita of the province.
Since income does not appear
to be a barrier in obtaining health insurance for the nonpoor segment of the
population, it denotes that something else is. Ms. Silfverberg noted there is
an impression that if the coverage offered by health insurance will not account
for the majority of their health expenditures, the individual will see no need
to avail of health insurance. She recommended that a study should be conducted
on out-of-pocket (OOP) expenditures incurred by outpatient services. If high
OOPs are established, this would be a basis, she explained, for expanding the
current outpatient benefit package of PhilHealth to include those who are part
of the voluntary program as well.
Lastly, it was observed that
the size of certain sectors has a significant effect on the IPP coverage levels
of a province. Thus, PhilHealth should target certain employment sectors such
as the agricultural sector and those employed in manual labor where workers are
more likely to have lower coverage rates. According to the PIDS study,
identifying sectors that employ individuals who are less likely to avail of
health insurance will allow for a targeted approach to achieving universal
coverage.
The study also recommended
the creation of programs similar to the Kalusugang Sigurado at Abot-Kaya sa PhilHealth Insurance, which partners with local
nongovernment organizations and rural banks, as a way to expand into certain
employment sectors that tend to have low coverage levels.
Comments
Post a Comment