Health System of the Philippines
In 1995, the Philippines instituted a national health insurance agency called PhilHealth for the large number of citizens who lack access to employer provided health care. The provision of national healthcare did not eliminate private healthcare coverage - which remains available through some employers or to individuals affluent enough to purchase individual policies. The government run health care system went through an additional large reform in 2010 with goals of increasing availability to the very poor, providing better overall benefits and reducing co-payments. Some headway has been made; an April 2011 World Health Organization report noted almost 4.4 million new poor families had been enrolled In PhilHealth, equivalent to a 100 percent increase in enrollment for the "real poor". That same year PhilHealth introduced a no-balance billing policy for households who met poverty requirements (World Health Organization, 2011). However major issues continue to plague the system. Some of the major obstacles are:
1. Attracting and retaining staff in rural areas. Because the Philippines consists of over 7,000 islands and areas of difficult terrain, most available health resources are in major cities - leaving large numbers of rural areas with little to no health care.
2. The system is partially nationally run and partly decentralized to allow for control at the provincial and village levels. This has led to fragmented delivery, care and policy being subject to multiple interpretations, a lack of checks and balances within the system and cost variation depending on location.
3. Overall poor economic strength and stability for the country as a whole remains a challenge which limits available funds for the system. Out of pocket payments still account for almost half of total health care payments.
4. Provider regulation is inconsistent at best and many provider charge additional fees beyond those covered by government insurance. The majority of hospitals are also privately owned and can set their own fees, choosing whether or not to require additional payment.
5. Public perception is often that private healthcare offers better services and more competent care, causing many health consumers to by-pass government clinics and hospitals in favor of private care. This often causes people to seek care only when critically necessary and makes them less inclined to continue with follow up care.
6. Inconsistent focus on preventative health, vaccination and mental health services.
(World Health Organization, 2011).
Within the private sector, there is greater access to providers and specialists but the majority are confined to large urban areas. Because private healthcare is more expensive, those who have it tend to be more educated and have better paying jobs. This also translates into better understanding of preventative health and increased patient compliance (Santos, 2014). Consequently these providers bring in more money and are able to recruit more experienced health care workers. They often have more coordinated systems of care, resulting in better patient outcomes. Furthermore, many of the private hospital and insurance systems are based outside the Philippines and have greater access to capital and technology (Aquino, 2013). However, the private system is not without obstacles as well. Some key issues are:
1. Lack of regulation within private sector often results in "over-service", difficulty checking the records and credentials of providers and inconsistent practice and labor rules for their employees.
2. Hospitals, clinics and insurance providers may be based outside the country which can result difficulties resolving patient issues.
3. Private providers may close doors without notice or provision of referrals for their patients
4. Lack of information coordination between competing private providers can cause treatment mistakes and delays for patients as well as increased costs to both parties (World Health Organization, 2011).
Charitable health organizations from outside the country also remain an important source of healthcare for many Filipinos, especially in small towns, slums and outlying regions. Unfortunately, these clinics may only be staffed at certain times of the year, may be specialized to specific members of the population and usually lack access to laboratories and technology (World Health Organization, 2011).
Like much of the items discussed within this overview, the healthcare system is one of transition. While great strides have been made, it is also subject to complex and many layered issues of difficulty.