DRAFT TERMS OF REFERENCE FOR MARKET INQUIRY: Private Healthcare Sector
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1 File Plan Ref Number: DRAFT TERMS OF REFERENCE FOR MARKET INQUIRY: Private Healthcare Draft Draft: April 2013 For Consultation Page 10 of 15
2 1. Introduction The Competition Commission ( the Commission ) will conduct a market inquiry into the private healthcare sector in terms of Chapter 4A of the Competition Act, 89 of 1998 (as amended) ( the Act ) and in keeping with the purpose and functions of the Commission set out in the Act. 1 Section 2 of the Competition Act defines the purpose of the Commission as, inter alia, to promote the efficiency, adaptability and development of the economy ; 2 and to provide consumers with competitive prices and product choices. 3 The functions of the Commission, set out in Section 21 of the Competition Act, call on the Commission to implement measures to increase market transparency. In order to fulfill the stated purpose and functions of the Commission, Chapter 4A of the Competition Act enables the Commission to conduct formal market inquiries in respect of the general state of competition in a market for particular goods or services without necessarily identifying conduct or activities by a particular named firm. A market inquiry is thus a general investigation into the state, nature and form of competition in a market, rather than a narrow investigation of specific conduct by any particular firm. Section 43B sets out the grounds for initiating a market inquiry, stating that the Commission may initiate an inquiry where it has reason to believe that any feature or combination of features of a market for any goods or services prevents, distorts or restricts competition within that market. 4 The Act further stipulates that the Commission must develop terms of reference for the inquiry that include, at a minimum, a statement of the scope of the inquiry and the time within which it is expected to be completed. In accordance with these provisions, these terms of reference set out the scope of the market inquiry, it identifies the factors that give the Commission reason to believe that there are features of the private healthcare market that may prevent, distort or restrict competition, and sets out the expected timelines for the inquiry. The terms of reference start with a broad overview of the peculiarities of competition in healthcare markets and the historical regulatory and policy changes that affect competition in the South African 1 Chapter 4A of the Act, which introduces the powers to conduct Market Inquiries, came into effect on 01 April Section 2(a) of the Act 3 Section 2(a) of the Act 4 Section 43B(1)(i) Page 2 of 15
3 private healthcare market. This provides the necessary background to understand which features of the private healthcare market may restrict, prevent or distort competition. The terms of reference then sets out the type of information the Commission may seek, or questions it may ask; to evaluate whether the features identified may have an adverse impact on competition and what form that adverse impact may take. Procedural and administrative aspects of the inquiry are set out in the final section of the terms of reference. While these terms of reference do delimit the scope of the inquiry on the basis of preliminary research, attendant matters not identified here may arise during the course of the inquiry. If the Commission believes that the terms of reference should be amended in any way; either through the addition of new matters or exclusion of matters currently identified herein, the terms of reference may be amended in terms of section 43B(5) of the Act. Note: This document is solely intended for the purposes of conducting consultations with stakeholders. 2. Overview of the private healthcare market This section provides an overview of the private healthcare sector, identifying the key segments of the market and mapping the interface between these segments. This is followed by an overview of regulatory and policy changes that have taken place in the healthcare market since the early 1990s. These legislative amendments changed bargaining mechanisms and tariff determination in the private healthcare sector. The impact of these changes on price determination and healthcare expenditure will be carefully evaluated during the inquiry as part of a broader review of the regulatory framework wherein private healthcare players operate Structure of the Private Healthcare Market The private healthcare market refers to that portion of healthcare services that are paid for by private patients themselves, either through medical scheme (insurance) payments or through out-of-pocket Page 3 of 15
4 payments. Key segments of the private healthcare market include healthcare providers; financing, administration and managed care services; and consumables (as depicted in the diagram below). Figure 1: Illustration of the private healthcare market Healthcare services According to a recent survey there are approximately doctors practicing in South Africa 6. This includes general practitioners and specialists. It is estimated that 10% of all private healthcare expenditure goes to General Practitioners ( GPs ) and dentists; and 20% to specialists. 7 5 Hodge, J. Fianderio, F. Lynch, S. Mohammed, R. Genesis Analytics Healthcare Background Paper (2012), pg. 2, Paper commissioned by the Competition Commission of SA 6 Doctor Shortage to hit NHI, The Sunday Independent, 25 September Council for Medical Schemes Research Brief No. 2 of 2008, Trends in Medical Schemes Contributions, Membership and Benefits , page 51. Page 4 of 15
5 Primary care providers (specifically GPs and dentists) are independent agents who work for themselves. They play a vital role in directing patients along the healthcare chain of care. In theory, primary care providers act as gatekeepers responsible for making referrals to the right specialists; ordering further medical tests, or prescribing consumables. However, it has been observed that, for a variety of reasons, many patients bypass GPs and obtain direct access to specialists even for minor ailments. This could place upward pressure on healthcare expenditure. A further feature that complicates the evaluation of costs and expenditure in healthcare markets is that healthcare providers prices are not regulated and are largely determined on a fee-for-service basis. 8 Since the demise of the National Health Reference Price List process (more on which later), industry associations or third parties have tried to compile reference price lists for healthcare services. Although these reference prices often form the basis of pricing decisions, there is still a perception that providers differentiate between patients; particularly between patients that have medical aid and those that do not. Patients with medical aid pay for their doctors visits out of their medical savings accounts and often have to supplement this with an additional amount out-ofpocket 9 in cases where doctors charge above predetermined medical aid reimbursement rates. 10 Patients are often unaware of the range and difference in tariffs charged by medical practitioners. This situation may be compounded by certain rules of the Health Professions Council of SA ( HPCSA ) that prohibit promotional activities by healthcare providers on the basis that it may mislead consumers or lead to excessive treatment. These restrictions may exacerbate the pre-existing information asymmetry between consumers and providers Hospitals It is estimated that hospitals account for over 36% of total private healthcare expenditure. The largest hospital groups, by number of beds, are Netcare Limited, Life Healthcare Limited and Medi-Clinic Southern Africa. There is no price regulation for hospitals; tariffs are negotiated between the hospital groups and medical schemes. 8 In healthcare, fee-for-service is a payment model where providers receive a fee for each service they offer (e.g. a separate fee is levied on a doctor s visit, for prescription medication, and for tests ordered etc.) 9 The phrase Out-of-pocket payment is used to denote cash payments made by patients either in addition to their medical cover, or in cases where patients have no medical insurance. 10 Reimbursement rates are the tariffs that medical aid schemes would pay to providers and are colloquially referred to as medical aid rates Page 5 of 15
6 There are instances of joint ownership in smaller independent hospitals. Where there is joint control of independent hospitals, the corporate group tends to take over the management of the independent hospitals, including the negotiation of tariffs and other arrangements, resulting in independents implementing the corporate group s tariffs Financing, administration and managed care services It is estimated that there are approximately 97 registered medical schemes representing both open (26) and (71) restricted schemes. 11 The Board of Healthcare Funders ( BHF ) is an industry representative body of more than 85% of the medical schemes in South Africa. 12 Medical schemes and administrators are subject to oversight by the Council for Medical Schemes. The three largest players in the administration sector; Discovery Health (Pty) Ltd, Metropolitan Health Corporate (Pty) Ltd, and Medscheme Holdings (Pty) Ltd, account for over 70% of the administrator market based on number of beneficiaries. 13 Medical schemes and administrators act as agents on behalf of the patient. Managed care arrangements, which can play a pivotal role in finding innovative ways of reducing healthcare costs and offering lower prices to the consumers, have not been widely used in South Africa. 14 The inquiry will evaluate the reasons for this and whether managed care arrangements may be beneficial to competition. 11 Council for Medical Schemes Annual Report , Table 11: Number of Schemes by size and type as at December 2011, page Note that although BHF may represent 85% of schemes, this does not translate to the same proportion of beneficiaries. For example, the largest open medical scheme, Discovery Health Medical Scheme, is not listed as a member of BHF according to the BHF website. Date Accessed: 14 May Council for Medical Schemes Annual Report , Table 11: Number of Schemes by size and type as at December 2011page Managed care arrangements refer to a more restrictive type of healthcare plan where medical schemes contract with a select group of healthcare providers and facilities to provide care for patients at reduced cost. The select group of providers and facilities make up the health plan s network that patients can access for care. Often, there are additional out-of-pocket payments associated with visiting a provider or medical professional who does not form part of the network. Page 6 of 15
7 Consumables Consumables, mostly pharmaceuticals, operate within a highly regulated sector through the Single Exit Pricing 15 regime, as well as efforts that enable effective generic competition. There is some degree of vertical integration where pharmacies are based at hospitals but there are many pharmacies not linked to hospitals History of the regulatory and policy changes in the healthcare sector Before 1993 the private healthcare industry was regulated by government through the National Health Act ( NHA ) and the Medical Schemes Act of 1967 (now the Medical Schemes Act, 131 of 1998). The regulations covered many aspects of the private healthcare industry, including tariffs that could be charged by healthcare providers and reimbursement rates for medical aid schemes. The regulations allowed and promoted collective bargaining and co-operation between the medical schemes and the healthcare providers through their respective associations. These associations included the Representative Association of Medical Schemes ( RAMS ) (now called the Board of Healthcare Funders ( BHF )), the Medical and Dental Associations ( MDA ) (now called the South African Medical Association ( SAMA )), and the Hospital Association of South Africa ( HASA ). RAMS and the MDA were recognised in the Medical Schemes Act as being bodies with an interest in determining healthcare tariffs for professional services and reimbursement rates for these services. These tariffs were then gazetted and were binding on the service providers. Changes to the Medical Schemes Act in 1993 meant that the tariffs determined by the associations were no longer binding on service providers thus effectively removing any explicit regulatory framework for the determination of tariffs. Despite this, the publication of healthcare tariffs by the medical schemes and provider associations continued as a standard practice. In particular, the new Board of Healthcare Funders, South African Medical Association and Hospital Association of South Africa continued to publish tariffs for healthcare services even after the amendments to the Medical Schemes Act. In 2002 this conduct became subject to scrutiny by the Competition Commission. By this time the determination and publication of tariffs by the various associations had become a well-established 15 The Single Exit Price is a regulated, uniform price at which pharmaceutical manufacturers must sell to all private sector providers, regardless of the volume purchased. Under the single exit pricing regime, the mark-ups added by other players in the value chain are also controlled. Page 7 of 15
8 practice in the industry. Pricing in the insured private healthcare sector had largely stabilised around the tariffs published by the various professional associations. Specifically, there were generally no significant discrepancies between the prices charged by providers and the reimbursement rates of medical schemes. The tariffs were applied nationally across all providers and payers. This conduct amounted to price fixing, in contravention of Section 4(1)(b)(i) of the Competition Act, as confirmed by the Competition Tribunal. 16 Payers and providers were instructed to cease bargaining collectively through industry associations. This ushered in an era of bi-lateral negotiation of terms between individual providers and individual payers. The new model of independent price determination introduced new challenges. Whereas there was previously general convergence between the prices charged by providers and the reimbursement rates of medical schemes, these prices now diverged; sometimes significantly. This resulted in practices such as balance billing where patients became liable for out of pocket co-payments to cover the cost of treatment that exceeded the medical schemes reimbursement rates. This increased expenditure on private healthcare. In response to these, and other, challenges; the Council for Medical Schemes, with the blessing of the Department of Health, developed a National Health Reference Price List ( NHRPL ). The objective of the NHRPL process was to establish a schedule of prices for healthcare services that would be based on an independent and objective determination of costs. However, the NHRPL process was unable to effect a reduction in prices as medical service providers could (and did) deviate from the NHRPL. Medical schemes were forced to condone balance-billing practices so that beneficiaries could have adequate cover. The NHRPL process was also successfully challenged in the High Court by HASA, the South African Private Practitioners Forum and others; and the NHRPL was set aside. 17 Past regulatory and policy changes have clearly impacted the competitive processes and market outcomes in the private healthcare market. The market inquiry will review the impact of the changes mentioned here more fully, and will make evidence-based recommendations on regulatory or policy changes that would encourage a more affordable, accessible and innovate private healthcare sector. 16 BHF Consent Order, case number: 07/CR/Feb05 HASA Consent Order, case number: 24/CR/Apr04 SAMA Consent Order, case number: 23/CR/Apr04 17 Decision of the High Court of South Africa, North Gauteng Division, 28 July 2010, Case Number 37377/09. Page 8 of 15
9 3. The Proposed Market Inquiry Healthcare markets are complicated; they reflect the intersection of various information and incentive peculiarities that distinguish them from many other markets. The delivery of healthcare is facilitated by crucial agency relationships, 18 especially those between patient and doctor; and patient and medical funder. 19 The functioning of these relationships, and the nature of the incentives faced by providers and payers in the medical value chain, will determine the eventual price, quality and innovation outcomes that patients experience. Various concerns have been raised about the functioning of private healthcare markets in South Africa because healthcare expenditure and prices across key segments seem to be rising notably above headline inflation. Explanations put forward are as varied as the information asymmetries and distorted incentives inherent in healthcare markets, varying degrees of market power at different levels of the value chain, and changes in utilisation. Given the large number of possible explanations, there is a need for a thoroughgoing inquiry into the factors that drive the observed increases in private healthcare expenditure in South Africa. The market inquiry will help to identify the factors driving increased expenditure as well as the market dynamics at play Rationale for a Market Inquiry Access to health care services is enshrined in the Constitution of the Republic of South Africa as a fundamental human right. 20 Further, section 27(2) imposes an obligation on the state to take reasonable measures to achieve the progressive realisation of this right. Private healthcare provision takes place within the context of this constitutional commitment to the provision of universal health care services to all people in South Africa. Though it has been argued that the obligation to provide universal health care access falls only on the state, 21 an affordable, innovative and competitive 18 An agency relationship refers to a situation wherein one party (the agent) acts on behalf of another party (often referred to as the principal ). In an agency relationship, the principal expects the agent to act in their best interest, but the agent has limited influence and understanding to evaluate whether this is the case. 19 In these examples, the patient is the principal and the medical professional (doctor) and payer (medical scheme) act on his/her behalf as agents of the patient. 20 Section 27(a) of the Constitution states that everyone has the right to have access to health care services" 21 For this debate, see for example, H Cheadle and D Davis, The application of the 1996 Constitution in the Private Sphere (1997) 13 SAJHR 44, Page 9 of 15
10 private healthcare system could nonetheless form an important part of the progressive realisation of universal access to health care services. The market inquiry will probe various segments of the private healthcare market to determine the factors that restrict competition and underlie increases in private healthcare expenditure in South Africa. The segments were selected on the basis of the Commission s preliminary research, as well as consideration of areas of inquiry that would make greatest impact within the Commission s limited resource constraints. The selected segments thus examine the main features that seem to restrict, prevent or distort competition in the market. The objective of the inquiry is to identify the factors that affect competition in the private healthcare market, and to provide a factual basis upon which relevant recommendations can be made in the interest of a more affordable, accessible and innovative private healthcare market. If the inquiry uncovers any concerns, evidence-based recommendations will be developed. The inquiry thus differs from an investigation in that no specific conduct against any particular firm is under investigation. Instead, the inquiry asks broader questions about the nature of competition in the private healthcare sector and, through an inquisitorial process, evaluates the factors that may distort, prevent or restrict competition. The Commission will then propose recommendations on the basis of information collected through the overarching inquiry into the sector. Moreover, an inquiry represents an ideal platform to encourage broad public consultation to ensure that the diverse views of the relevant stakeholder groupings are taken into account Purpose and Objectives The purpose of the market inquiry is: To conduct an analysis into selected segments of the private healthcare market, examining the contractual relationships and interactions between and within the segments and the contribution of these dynamics to total private expenditure on healthcare; An assessment of the impact of Commission s interventions in the private healthcare market, through enforcement action and merger regulation; and any impact this has had on bargaining mechanisms and consolidation in the healthcare market; To inquire into the nature of price determination in private healthcare market in South Africa; and Page 10 of 15
11 To establish a factual basis for recommendations that support the achievement of accessible, affordable and innovative private healthcare The main objectives of the market inquiry are to: Evaluate the nature of price determination in the private healthcare market with reference to: - the extent of competition between different categories of providers and payers; - the extent of countervailing bargaining power between different categories of providers and payers; and - the level and structure of prices of key services, including an assessment of profitability and costs; Evaluate and determine what factors have led to observed increases in private healthcare expenditure in South Africa; Evaluate how consumers access and assess information about private healthcare providers, and how they exercise choice, Make recommendations on appropriate policy and regulatory mechanisms that would support the goal of achieving accessible, affordable, innovative and quality private healthcare; Make recommendations on whether price-setting mechanisms may be acceptable within the competition policy context; and Make recommendations with regard to the role of competition policy and competition law in achieving pro-competitive outcomes in healthcare, given the possibly distinctive nature of the market Subject Matter of the inquiry The inquiry will examine the topics outlined above, with a focus on the following segments of the private health care market: healthcare providers, hospitals, medical aid schemes, medical aid administrators and medical aid brokers. 22 The inquiry will cover, amongst other things, the following core issues in each sector: 22 The inquiry will not focus on emergency services, consumables and pharmaceuticals. Page 11 of 15
12 Healthcare providers (Primary Care and Specialists) Tariff Setting Understanding the pricing regime after the Commission s decisions in 2003 and the NHRPL process An assessment of how providers set tariffs and the role of industry reference price lists An examination of the extent to which co-payments are applied in the sector Referral Process An analysis of the relationships between primary healthcare providers and specialists The role of primary care providers as gatekeepers in the referral process of patients Relationships with hospitals The relationship between hospitals and specialists, how they operate and access operating rooms and facilities at hospitals HPCSA Rules The impact of the HPCSA restrictions, such as the restrictions on promotional activity and employment of medical professionals by hospitals Hospitals Price setting and cost analysis Expenditure on technology Review on concentration and profitability Role of independent entrants and the licensing regime Determine how tariffs are set, i.e. fee-for-service vs. alternative reimbursement models The extent of risk sharing between hospitals and funders in price setting An analysis of hospital costs An analysis of trends in investments and expenditure on hospital (medical) technology An analysis of profitability of hospitals A review of the trends in consolidation and impact on profitability A review of the role of independent entrants Analysis of the number of hospitals licensed over time and impact on entry Page 12 of 15
13 Medical Schemes, Administrators, Brokers and Managed Care Fee and benefit determination Relationships between medical schemes, brokers, and administrators Outcomes of Managed care and cost saving initiatives such as Designated Service Provider arrangement An assessment of how benefits are determined and the impact of the Prescribed Minimum Benefit legislation An assessment of how fees, including contributions and administration fees, are determined Understanding the nature of incentives in these relationships and impact on costs i.e. administration cost Evaluating the use and outcomes of managed care and the overall impact on costs The extent to which potential efficiencies and savings are passed on to consumers 3.4. Methodology The market inquiry will comprise an inquisitorial process of public hearings together with the review of secondary material. The process of inquiry will be supported by information requests to and consultations with companies, associations and any other stakeholders that may be required to provide information on the subject matter of the inquiry. It is envisaged that a panel of three experts, including an internal chairperson designated by the Competition Commissioner, will preside over the hearings. The panel will be responsible for presiding over the hearings, reviewing submissions, examining evidence, and overseeing the drafting of the inquiry report and recommendations. The panel of experts will be supported by a team of researchers and analysts who will produce position papers based on their review of secondary materials and submissions by parties to the inquiry. The support team will also assist the panel with hearings and the writing of the inquiry report. Page 13 of 15
14 3.5. Stakeholders Stakeholders in the private healthcare sector include specialists and other practitioners; hospital groups; independent hospitals, clinics and other private hospitals; medical funder and administrator groups; government departments; statutory bodies; civil society; contributors to medical schemes and consumers of healthcare services. 23 The main participants in this inquiry will be the providers (hospitals, medical practitioners), third party payers (medical schemes, administrators and brokers) and their representative industry associations. These participants will be the primary source of information on the subject matter of the inquiry. It is also anticipated that the relevant government departments (e.g. Department of Health) and statutory bodies (e.g. Health Professions Council of SA and the Council for Medical Schemes) will be a useful source of information. They are important stakeholders as many of the matters arising in the inquiry may well result in recommendations for their consideration or action. Given the importance of accessible, affordable and innovative healthcare for the welfare of South Africans the proposed inquiry will also have significant implications for representatives of civil society and consumers of healthcare services generally Proposed Market Inquiry Process The process set out below is merely a high level overview of the phases of the inquiry and is based on the information currently available to the Commission. It is merely indicative and is likely to go through a number of iterations of improvement and refinement before being finalised. The Commission will publish a final administrative calendar and guidelines for the administrative process to be followed during the inquiry, at least 20 working days prior to the launch of the inquiry Launch It is envisaged that the inquiry will launch in the second quarter of 2013, but before the end of September In the run-up to the launch, the terms of reference will be discussed with relevant stakeholder groupings as identified above. 23 Note that this list may not be exhaustive. Page 14 of 15
15 Public Hearings The objectives of having public hearings are twofold: - To allow a wide range of stakeholders the opportunity make submissions and discuss pertinent issues - To obtain answers and gain clarity on key issues within a public forum With the above objectives in mind, it is considered prudent to hold two sets of hearings. The first set of hearings will be inclusive, allowing a broader group of stakeholders to make public submissions. The second set of hearings would be more inquisitorial and pointed in nature and would take place later in the inquiry, when there has been a narrowing of issues to probe by the panel and inquiry support team. These hearings would be more focused, involving a limited number of identified stakeholders whose input is required to address the issues identified Estimated Timeline of the Market Inquiry It is estimated that the market will commence in the second quarter of 2013, but by no later than September 2013 and will issue its draft recommendations in December Final recommendations will be issued no later than 30 June Human Resources It is proposed that the inquiry be led by a panel consisting of a chairperson and co-chairs. The chairperson should be someone within the executive management of the Competition Commission. The panellists would be experts of high standing. They are likely to be industry experts, such as a health economist, health policy/health systems expert or a legal expert. The panel will be supported by an inquiry technical support team led by an inquiry manager reporting to the Chairperson of the inquiry. The Chairperson of the inquiry reports to the Competition Commissioner. Page 15 of 15
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