There is a publicly financed (taxpayer moneyed) health care system. The bulk of healthcare funding comes from national taxes. Healthcare facilities are government owned and operated, however GP’s are independently organizations which are publicly moneyed.
The system covers all residents and homeowners. There is likewise some coverage for non locals depending on nationality. Anyone is covered for accident medical expenses – even immigrants. Health centers will offer care for everybody – but if you are not covered they will send you an expense.
There is an organization called ACC which pays for accident healthcare and loss of income insurance for accidents. It gets funding from a range of sources including a tax on car registrations and fuel. It likewise collects insurance coverage premiums from employers for work location insurance, and workers for the earnings security insurance.
GP’s operate as gate keepers. If you want to see a specialist you require a recommendation from them. This helps keep expenses down as numerous conditions can be treated by a GP and do not need the services of an expert.
Health centers are run by District Health Boards which are elected. A substantial number of board members are selected by the Minister of Health. They will run the regional medical facilities.
Because there is a restricted amount of money available for care (like everyone we don’t like taxes) choices need to be made on what care to provide. This implies that for many people they have to wait to get a visit for operations and professional check outs. It also implies that some treatments which might be provided are not offered.
Drug purchasing decisions are made by Pharmac. They decide on what drugs to buy on cost versus benefit. This indicates some of the most recent wounder drugs are not acquired because the benefit is to little compared to the high prices the drug company wishes to charge. I understand that they conserve New Zealand adequate money every couple of years to develop a brand-new hospital.
Unlike Canada it is completely legal to skip the general public medical system and go private. There are many small private healthcare facilities around, which deal with anybody who wishes to pay. Usually people go personal because they do not want to wait for treatment, they desire treatment which the public system does not provide or for much better quality of lodging.
Individuals can purchase insurance for health costs, however because the bulk of care is state moneyed, medical insurance companies have a great deal of leyway on what and whom to cover. Many will not cover pre-existing conditions.
There is just minimal publicly funded oral services. A lot of grownups pay for their own care.
I lived in Korea for a year. While I existed I needed to spend for public health insurance coverage – at 9%(half by the employer, half by me).
Ask a Korean has a fantastic short article on health care in Korea and it is well worth the read. The rest of my answer is based on my experience of using their system in Korea.
They covered dental services and because of that I really went to the dental expert. The check-up was complimentary, but the cleansing was not. I likewise needed to pay a charge when I had a filling changed.
When I had the influenza I just turned up at the physician’s workplace. I waited in the que and got treated. I believe I needed to pay a little charge, and I likewise needed to pay a charge for the medications.
Finally I had one major hospitalization event. With the aid of my local Korean church who offered an individual to translate I went strait to the medical facility and was seen by a professional with NO visit. They offered me some fluids and was offered an ultrasound if I wanted to pay for it (it was not covered). I was admitted to medical facility and invested the opening night in a private room (there was no room in the low-cost wards), and then invested the staying time in a general space. While I was there I had a CT scan. Upon leaving health center I had a costs for about $600 NZ dollars. The rest was paid by insurance. I then made a claim with my company’s insurance coverage which paid much of the remainder of the bill.
As the Korean system is a pay per treatment system, the medical facility was incentivized to provide a lot of treatment. My sibling (who is a nurse) was shocked at a few of the things given to me (high quality), and I think they did a CT scan since they had one and might do one instead of require. Still I am really happy with the care I got.
Health Care Triage has some great videos on various health care systems around the globe. Of note is Singapore who spends less than 5%of GDP on Healthcare – contrast this with the USA who invests about 17%of GDP.