Tekavec M M
Family Dental Center South, Inc., Pueblo, Colorado 81005-2194.
Dent Clin North Am. 1988 Jan;32(1):1-15.
In 1985, Americans spent $27.8 billion for dental care. Patients paid $18 billion out-of-pocket, while private health insurance paid about $9.2 billion. Public programs paid approximately $600 million primarily through Medicaid. Commercial insurance carriers have increased their market share to more than 80 million subscribers, or more than 70 per cent of the total market. Dental service corporations and Blue Cross/Blue Shield plans cover more than 30 million subscribers, while independent plans have policies with more than 6 million customers. Dentistry today is a big business, and Big Business wants to make it their business. What makes health care vastly different from the manufacture and sale of microwaves, furniture and clothing, or the production and serving of fast foods is that the provider is in a unique relationship with the consumer/patient and will always have a large measure of control for this reason. Receiving dental care is not the same as purchasing a new pair of tennis shoes, but good business practices from other business arenas can make it possible for greater numbers of people to have greater access to it. Over the past 25 years a metamorphosis of dentistry has been generated by a rather constant interplay between the various involved parties to obtain a position of least financial risk. Insurance carriers and/or administrative intermediaries want the risk placed on the dentist, employers want the administrators to take it, and dentists want employers, administrators, or patients to assume it. The future will see the gradual evolvement of equitable plans dividing the risk among the four principle parties. Plans are being put in place today that already reflect this. A viable alternative delivery system means: Dental care providers who have the knowledge and incentive to perform quality care; administrators willing to share some of the risk; and employers and consumers who are sophisticated and realistic in their demands in today's marketplace. All these factions are currently interacting to create the new dental picture we see today--and will see in the future.
1985年,美国人在牙科护理上花费了278亿美元。患者自掏腰包支付了180亿美元,而私人医疗保险支付了约92亿美元。公共项目主要通过医疗补助计划支付了约6亿美元。商业保险公司的市场份额已增加到超过8000万订阅者,占总市场的70%以上。牙科服务公司和蓝十字/蓝盾计划覆盖了超过3000万订阅者,而独立计划拥有超过600万客户的保单。如今,牙科是一项大生意,大企业希望将其纳入自己的业务范畴。医疗保健与微波炉、家具和服装的制造与销售,或快餐的生产与供应有着巨大的不同,原因在于提供者与消费者/患者有着独特的关系,并且因此将始终拥有很大程度的控制权。接受牙科护理与购买一双新网球鞋不同,但其他商业领域的良好商业做法可以使更多人有更多机会获得牙科护理。在过去25年里,牙科行业发生了蜕变,这是由各相关方之间相当持续的相互作用所导致的,目的是获得财务风险最小的地位。保险公司和/或行政中介希望将风险转嫁给牙医,雇主希望行政人员承担风险,而牙医则希望雇主、行政人员或患者承担风险。未来将会看到公平计划的逐步演变,将风险在四个主要方之间进行分配。如今正在实施的计划已经体现了这一点。一个可行的替代提供系统意味着:拥有提供优质护理的知识和动力的牙科护理提供者;愿意分担一些风险的行政人员;以及在当今市场需求方面成熟且现实的雇主和消费者。所有这些派别目前都在相互作用,以创造出我们今天所看到的——以及未来将会看到的新的牙科局面。