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THE NETHERLANDS receive faster access to any type of care, nor do they have increased choice of specialist or hospital. In 2013, voluntary insurance accounted for 7.6 percent of total health spending. What is covered? Services: In defining the statutory benefits package, government relies on advice from the National Health Care Institute. Health insurers are legally required to provide a standard benefits package including, among other things, care provided by general practitioners (GPs), hospitals, and specialists; dental care through age 18 (coverage after that age is confined to specialist dental care and dentures); prescription drugs; physiotherapy through age 18; basic ambulatory mental health care for mild-to-moderate mental disorders, including a maximum of five sessions with a primary care psychologist; and specialized outpatient and inpatient mental care for complicated and severe mental disorders. In case the duration exceeds three years, the last of these is financed under the Long-term Care Act (see below). Some treatments, such as general physiotherapy and pelvic physiotherapy for urinary incontinence, are only partially covered for some people with specific chronic conditions, as are the first three attempts at in vitro fertilization. Some elective procedures, such as cosmetic plastic surgery without a medical indication, dental care above age 18, and optometry, are excluded. A limited number of effective health improvement programs (e.g., smoking cessation) are covered, and weight management advice is limited to three hours per year. As of 2015, home care is a shared responsibility of the national government, municipalities (day care, household services), and insurers (nursing care at home), and is financed through the Health Insurance Act. Hospice care is financed through the Long-term Care Act. Prevention is not covered by social health insurance, but falls under the responsibility of municipalities. Cost-sharing and out-of-pocket spending: As of 2015, every insured person over age 18 must pay an annual deductible of EUR375 (USD455) for health care costs, including costs of hospital admission and prescription drugs but excluding some services, such as GP visits. 1 Apart from the overall deductible, patients are required to share some of the costs of selected services, such as medical transportation or medical devices, via copayments, coinsurance, or direct payments for goods or services that are reimbursed up to a limit, such as drugs in equivalent-drug groups. Providers are not allowed to balance-bill above the fee schedule. Patients with an in-kind insurance policy may be required to share costs of care from a provider that is not contracted by the insurance company. Out-of-pocket expenses represented 13.8 percent (45% through deductible) of health care spending in 2013 (author’s calculation). Safety net: GP care and children’s health care are exempt from cost-sharing. Government also pays for children’s coverage up to the age of 18 and provides subsidies (health care allowances), subject to asset testing and income ceilings, to cover community-rated premiums for low-income families (singles with annual income of less than EUR26,316 [USD31,896] and households with income less than EUR32,655 [USD39,580]). Approximately 5.4 million people receive allowances set on a sliding scale, ranging from EUR5.00 (USD6.10) to EUR78.00 (USD95.00) per month for singles and from EUR9.00 (USD11.00) to EUR 149.00 (USD181.00) for households, depending on income. How is the delivery system organized and financed? Primary care: There were more than 11,300 practicing primary care doctors (GPs) in 2014 and more than 20,400 specialists in 2013. Nearly 33 percent of practicing GPs worked in group practices of three to seven, 39 percent worked in two-person practices, and just over 28 percent worked solo. Most GPs work independently or in a self-employed partnership; only 11 percent are employed in a practice owned by another GP. 1 Please note that, throughout this profile, all figures in USD were converted from EUR at a rate of about EUR0.83 per USD, the purchasing power parity conversion rate for GDP in 2014 reported by OECD (2015) for the Netherlands. 116 The Commonwealth Fund

THE NETHERLANDS The GP is the central figure in Dutch primary care. Although registration with a GP is not formally required, most citizens are registered with one they have chosen, and patients can switch GPs without formal restriction. Referrals from a GP are required for hospital and specialist care. Many GPs employ nurses and primary care psychologists on salary. Reimbursement for the nurse is received by the GP, so any productivity gains that result from substituting a nurse for a doctor accrue to the GP. Care groups are legal entities (mostly GP networks) that assume clinical and financial responsibility for the chronic disease patients who are enrolled; the groups purchase services from multiple providers. To incentivize care coordination, bundled payments are provided for certain chronic diseases—diabetes, cardiovascular conditions, and chronic obstructive pulmonary disease (COPD)—and efforts are under way to implement them for chronic heart failure and depression. In 2015, the government introduced a new GP funding model comprising three segments. Segment 1 (representing 75% of spending) funds core primary care services and consists of a capitation fee per registered patient, a consultation fee for GPs (including phone consultation), and consultation fees for ambulatory mental health care at the GP practice. The Dutch Health Care Authority (Nederlandse Zorgautoriteit) determines national provider fees for this segment. Segment 2 (15% of spending) consists of funding for programmatic multidisciplinary care for diabetes, asthma, and COPD, as well as for cardiovascular risk management; prices are negotiated with insurers. Segment 3 (10% of spending) provides GPs and insurers with the opportunity to negotiate additional contracts—including prices and volumes—for pay-for-performance and innovation. Selfemployed GPs earned average gross annual income of €97,500 (USD117,000) in 2012, while salaried GPs earned €80,000 (USD96,000). Outpatient specialist care: Nearly all specialists are hospital-based and either in group practice (in 2012, 54% of full-time-equivalent specialists, paid under fee-for-service) or on salary (46%, mostly in university clinics). As of 2015, specialist fees are freely negotiable as a part of hospital payment. This so-called “integral funding” dramatically changed the relationship between medical specialists and hospitals. Hospitals now have the responsibility of allocating their financial resources among their specialists. There is a nascent trend toward working outside of hospitals—for example, in growing numbers of (mostly multidisciplinary) ambulatory centers—but this shift is marginal, and most ambulatory centers remain tied to hospitals. Specialists in ambulatory centers tend to work most of the time in academic or general hospitals. Only a small minority of doctors working in hospitals choose to work in ambulatory centers for part of their time. Ambulatory care center specialists are paid fee-for-service, and the fee schedule is negotiated with insurers. Medical specialists are not allowed to charge above the fee schedule. Patients are free to choose their provider (following referral), but insurers may set different conditions (e.g., cost-sharing) for different choices within their policies (Schäfer et al., 2010). Administrative mechanisms for paying primary care doctors and specialists: The annual deductible (see above) is paid to the insurer. The insured have the option of paying the deductible before or after receiving health care and may choose to pay all at once or in installments. Other copayments—those for drugs or transportation, for example—have to be paid directly to the provider. After-hours care: After-hours care is organized at the municipal level in GP “posts,” which are centers, typically run by a nearby hospital, that provide primary care between 5 p.m. and 8 a.m. Specially trained assistants answer the phone and perform triage; GPs decide whether patients need to be referred to hospital. The GP post sends the information regarding a patient’s visit to his or her regular GP. There is no national medical telephone hotline. Hospitals: In July 2014, there were 131 hospitals and 112 outpatient specialty clinics spread among 85 organizations, including eight university medical centers. Practically all organizations were private and nonprofit. In 2013, there were also more than 260 independent private and nonprofit treatment centers whose services were limited to same-day admissions for nonacute, elective care (e.g., eye clinics, orthopedic surgery centers) covered by statutory insurance. International Profiles of Health Care Systems, 2015 117

THE NETHERLANDS<br />

The GP is the central figure in Dutch primary care. Although registration with a GP is not formally required, most<br />

citizens are registered with one they have chosen, and patients can switch GPs without formal restriction.<br />

Referrals from a GP are required for hospital and specialist care.<br />

Many GPs employ nurses and primary care psychologists on salary. Reimbursement for the nurse is received by<br />

the GP, so any productivity gains that result from substituting a nurse for a doctor accrue to the GP. Care groups<br />

are legal entities (mostly GP networks) that assume clinical and financial responsibility for the chronic disease<br />

patients who are enrolled; the groups purchase services from multiple providers. To incentivize care<br />

coordination, bundled payments are provided for certain chronic diseases—diabetes, cardiovascular conditions,<br />

and chronic obstructive pulmonary disease (COPD)—and efforts are under way to implement them for chronic<br />

heart failure and depression.<br />

In 2015, the government introduced a new GP funding model comprising three segments. Segment 1<br />

(representing 75% of spending) funds core primary care services and consists of a capitation fee per registered<br />

patient, a consultation fee for GPs (including phone consultation), and consultation fees for ambulatory mental<br />

health care at the GP practice. The Dutch Health Care Authority (Nederlandse Zorgautoriteit) determines<br />

national provider fees for this segment. Segment 2 (15% of spending) consists of funding for programmatic<br />

multidisciplinary care for diabetes, asthma, and COPD, as well as for cardiovascular risk management; prices are<br />

negotiated with insurers. Segment 3 (10% of spending) provides GPs and insurers with the opportunity to<br />

negotiate additional contracts—including prices and volumes—for pay-for-performance and innovation. Selfemployed<br />

GPs earned average gross annual income of €97,500 (USD117,000) in 2012, while salaried GPs<br />

earned €80,000 (USD96,000).<br />

Outpatient specialist care: Nearly all specialists are hospital-based and either in group practice (in 2012,<br />

54% of full-time-equivalent specialists, paid under fee-for-service) or on salary (46%, mostly in university clinics).<br />

As of 2015, specialist fees are freely negotiable as a part of hospital payment. This so-called “integral funding”<br />

dramatically changed the relationship between medical specialists and hospitals. Hospitals now have the<br />

responsibility of allocating their financial resources among their specialists.<br />

There is a nascent trend toward working outside of hospitals—for example, in growing numbers of (mostly<br />

multidisciplinary) ambulatory centers—but this shift is marginal, and most ambulatory centers remain tied to<br />

hospitals. Specialists in ambulatory centers tend to work most of the time in academic or general hospitals.<br />

Only a small minority of doctors working in hospitals choose to work in ambulatory centers for part of their time.<br />

Ambulatory care center specialists are paid fee-for-service, and the fee schedule is negotiated with insurers.<br />

Medical specialists are not allowed to charge above the fee schedule. Patients are free to choose their provider<br />

(following referral), but insurers may set different conditions (e.g., cost-sharing) for different choices within their<br />

policies (Schäfer et al., 2010).<br />

Administrative mechanisms for paying primary care doctors and specialists: The annual deductible (see<br />

above) is paid to the insurer. The insured have the option of paying the deductible before or after receiving<br />

health care and may choose to pay all at once or in installments. Other copayments—those for drugs or<br />

transportation, for example—have to be paid directly to the provider.<br />

After-hours care: After-hours care is organized at the municipal level in GP “posts,” which are centers, typically<br />

run by a nearby hospital, that provide primary care between 5 p.m. and 8 a.m. Specially trained assistants<br />

answer the phone and perform triage; GPs decide whether patients need to be referred to hospital. The GP<br />

post sends the information regarding a patient’s visit to his or her regular GP. There is no national medical<br />

telephone hotline.<br />

Hospitals: In July 2014, there were 131 hospitals and 112 outpatient specialty clinics spread among 85<br />

organizations, including eight university medical centers. Practically all organizations were private and nonprofit.<br />

In 2013, there were also more than 260 independent private and nonprofit treatment centers whose services<br />

were limited to same-day admissions for nonacute, elective care (e.g., eye clinics, orthopedic surgery centers)<br />

covered by statutory insurance.<br />

International Profiles of Health Care Systems, 2015 117

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