Corporate Health in Argentina Health as an economic good While it
is true that health is considered socially and culturally how a well-meritorious or prevalent, it is less true that it is also an economic good and that as such responds to the laws of markets. One of the primary reasons for the problems in the provision and
management of health, responds to this kind of contradiction or tension that arose between prevalence and resources. This tension is even higher if we accept that there is no perfect market and one of the most imperfect is the health. The asymmetry between the actors, is one of the reasons more constraints of market imperfection of health. This asymmetry can be expressed with the so-called "Third Payer Theory," which is summarized with this statement: He who pays (donor) does not indicate or consumed. Anyone who suggests (doctor) does not pay or consumes and consumes no indication that either pays. Models of Corporate Care Coverage should be aimed at correcting this imbalance, trying criteria of economic efficiency and quality benefits. to Organizational Model Single Medical
Companies Prepaga have experienced a period of intense mergers and concentration from the 90 at present to such an extent that only five companies control 70% of a market of about 3 million beneficiaries and an annual turnover of three billion pesos. This phenomenon Integration the offer has generated threats such as cartelization of prices and a process of vertical integration, which can be summarized by saying that dominant firms increasingly incorporate health services themselves, with the inevitable trend of referral of patients to these centers , making the choice between providers offered in the contracts being increasingly targeted. In this context policies entrepreneurs that are based on the free choice of buying on the part of its employees outside convention, the health insurance they prefer, they place their staff in a position of great weakness because among other things: It nullifies any negotiating power regarding precios.No is no possibility to intervene in the design of the coverage according to needs. The response to potential claims is very low. Accessibility to practices that include new technologies is severely constrained. Freedom of choice within the card providers are reduce.No is no possibility to develop indicators of consumption in Health. This model also generates a perception of poor "social support" by the Company in such sensitive issues as those who are health-related. It is important that the appropriate accumulated in the prices of the Prepaid Health Plans since 2001 has so far exceeded the average wage recovery. In that macroeconomic context, the organizations of a model of free choice of health coverage (individual) have faced the following circumstances: to assist financially to their employees or accept the possible deterioration of the health of their endowments. Necessity of Businessman Involvement in Health were anticipated, since 2006, changes in the market of Health, some of whom, how the rising prices for coverage plans have already been realized, the more relevant changes and predictable were: Inflation Medical Transfer of risk and the cost to the Funders: Beneficiaries / Business Reorientation of "Managed Care" to "Disease Management" (Part Management care to the disease). Strong pulse programs Prevention and Health Promotion, Changes in the ratio Agency (Medical / Patient) New Alternative Funding (implementing copayments) More involvement of the areas of HR Criterion more "vertical "" horizontal "to capitation (of the selection antiselecciòn risk) The market will be subject to an inflationary trend influenced by the following factors or" drivers ": New technologies Increased use of technology Increase in consumption rates Relationship type of beneficiary cost-Ageing Population "Judicialización" system (Resource Protection)
Health and Human Resources It Key Management Areas HR Enterprises which must assume a Participation more active along with the Social Work and Business Prepaid Health Plans in designing Plans Coverage Shares in the Critical Area HR: Mayor dynamic and a better relationship with the companies providing health services Working with the goal of achieving greater appreciation of the plans by employees (Employee Perception) These actions should be determined in a context in which local and cultural reasons, the coverage they receive workers Argentines are higher, on average, which occur anywhere else in the world. The involvement of the funders (companies), should allow break with the pattern of transfer of risk in which services are paid per capita and establish a model in which prices are in line with actual consumption. Those companies aiming to become competitive in attracting and retaining personnel must have a high level in the supply of health benefits, and also endeavor they are cost-effective. Recall that the level of remuneration then look more valued employee benefit is health