Health Fund Only those who are ill will bring money!

Health fund: Only those who are ill bring money!

The health fund, introduced by the grand coalition, now reveals its weaknesses, insured persons are being made ill to get more money from the health fund. Originally, the health fund was set up by the Grand Coalition to ensure fair competition among health insurances. For example, a lump sum from the health fund is paid for each patient; in addition, there are extra grants for 80 selected diseases. These include acute as a pneumonia or chronic conditions such as diabetes. Remarkable in this context is the dramatic increase in the number of diseases listed by the CDU and SPD.

Now in the doctor's office no longer looks at the budget, but according to which disease provides the most money. According to this guideline is now diagnosed and prescribed. Loud Mirror online The health insurance companies should have specifically addressed the doctors and asked for the most profitable diagnosis possible. In return, the physicians should have been paid a higher fee. Apparently, health insurance companies and doctors work hand in hand in order to tap as much money as possible from the health fund. A side effect of this practice is that the proportion of sick people in Germany has grown rapidly. If you do not participate in this game, you're the loser: The money is given to the health insurance companies who know which diseases are the ones that make the most money. Those diseases that provide high health fund subsidies but with low treatment costs are optimal. Wolfram Richter, one of the fathers of the health fund, describes this procedure in an interview with tagesschau.de as an initial problem. According to Richter, the Federal Insurance Office will look closely and act against such behavior. But here too there are doubts that the Federal Insurance Office will be able to control the billing practices of doctors. For example, a doctor only has to do this in a diagnosis „V“ For suspected diagnosis omit and from a probable healthy we a sick person, for whom the health insurance gets the money.

An advantage of the health fund is certainly that you can now make money if the insured are sick. So far, only the health of the insured paid off for the health insurance. But never before has so much money been spent in health care as in 2009, and the health fund will spend about 170 billion euros this year. That's almost 10 billion euros more than last year. Once the money has been used up in the health fund, the health insurance funds can call on their members and ask them for additional contributions.

According to Richter, it will amount in the long run to the fact that every German basically has two insurance policies: A basic insurance covering everything medically necessary and financed by the health fund in solidarity, whereby the funds compete on additional contributions and bonuses. Most citizens will take out additional insurance. The question that arises now, who defines what is medically necessary? And why does Mr Richter assume that two insurance policies will be necessary if the necessary is covered?

It is to be hoped that the political leaders will find a system of reimbursement and financing in which it is possible to provide each person with medical care according to their needs. (Sb)