A Survey of Public Health Administration in Bihar
|
|
|
- Malcolm Wood
- 10 years ago
- Views:
Transcription
1 Ind. J. of Applied & Clinical Sociology 10 (4), 2015, 5-12 ISSN: (Print); (Online) : Human Development & Welfare Institute A Survey of Public Health Administration in Bihar Dr. Krishna Kant Sharma Abstract: This paper is based upon my postdoctoral research at PG Department of Sociology / Social Work, Patna University sponsored by Indian Council of Social Science Research (ICSSR). The summary of the findings published as paper identified structural and functional aspects of public health administration in Bihar. The public health achievements in Bihar was deficient though there were certainly signs of recovery post 2005 or since launch of the National Rural Health Mission. Introduction: A summary presented on the Public Health Administration in Bihar inclusive of demographic trends, risk factors, disease prevalence, epidemiology, surveillance & preparedness, public health laws, institutional arrangements, services & coverage, workforce & medical education, policy, planning, budgeting, public health management, additional tasks, and finally achievable, targets and achievements. Statement of problem: The poor state of public health services in Bihar was not just easily perceivable however also reflected and substantiated through data of different agencies. World Health Organization country s statistics for India exhibited poor state of affairs in Public Health in Bihar. At the time of establishment of the first democratic government in Bihar in the year 1947, only 33 percent of the population had physical access to any public health services. Significantly, the overall coverage of population by the public health services not improved. Considering a situation that existed in Bihar that almost 230 women die delivering child every live births, similarly almost 47 newborn babies die per 1000 live births in a year, and even further worse another 60 children per 1000 live births were having the probability of dying prior completing fifth birth anniversary. Further, only 37 percent of total pregnancies were able to receive full antenatal care, any skilled workforce only attended 47 percent births and just 31 percent of the total population was using improved sanitation. The public health administration had the responsibility for developing public health leaderships, allocation of funds, making policy, and implementing programs. Aims and objectives: If public health services of a territory repeatedly fails then reasons could be both structural and functional deficiencies of the Public Health Administration. The public health administration different functions required implementation in synchronization irrespective of spatial and temporal consideration and if it would fail then there would be problems as hinted in last paragraph. Therefore the main objectives were to study and present various functions of public health administration. Research questions and hypothesis: The study primarily pursued following main research questions or hypothesis:- Q 1. How the Public Health Administration in Bihar was structured and functioned? Q 2. How Public Health Administration in Bihar delivered? Q 3. What were public health achievable and achievements for Bihar? H 1. The Public Health Administration in Bihar is neither structured and nor functioned accordingly. H 2. Public health services in Bihar were delivered through various public health organizations, associations and institutions. H 3. The core public health objectives in Bihar were achievable however not achieved. Methodology: The project implemented during September 2013 to September 2015 has surveyed 193 public health institutions, organizations, and facilities in Bihar. A qualitative methods were opted for this research that included case studies, interviews, and survey of literature. Survey of health facilities 5
2 and institutions was preferred over survey of beneficiaries or population because certain spatial and temporal considerations. Findings: The study found Public Health Administration in Bihar largely deficient. There were major structural deficiencies resulting in functional inaccuracies. Several public health functions either entirely ignored, or not implemented accordingly and sufficiently. Some of the mandatory functions like vital registration, surveillance, epidemiology, demography, medico legal, and public health data were not adequately performed in Bihar. There was no universal patient registration system and even patients registered at different facilities were not compounded. There was no distinction of expenditure, contributions, and achievements by respective public and private health care systems. The term Public health administration has two distinct terms; public health and administration. Social medicine, medical sociology or sociology of medicine, sociology of health and illness, and community medicine are both related and distinct terms. The public health administration is an amalgamation of Public Administration, and Principles of Management. It encompassed various experts of medicine, medical administration, medical education, bio technology, medical sociology, ICT, legal and finance. Public health functions included planning, policy & budgeting, workforce education, training and management, arranging infrastructure & logistics, public health data, epidemiology, surveillance, medico-legal, quality - cost control and social determinants of health. PUBLIC HEALTH LAWS A range of laws were in force for practice, conduct, trials, sale, storage, administration of drugs, training, medical research, ethical treatment to animals, safety of patients and medical professionals. In addition, laws related to labour, human rights, citizen charter, gender nondiscrimination, and work place prevention for patients and women were applied in public health sector of Bihar. SIGNS OF IMPROVEMENTS Several health indicators in Bihar has improved significantly over the last 10 years because of the fact that there was considerable downward movement in infant mortality rate, maternal mortality rate, sex ratio whereas there was significant increase in number of IPD/OPD cases, institutional deliveries, and ambulatory services. No polio cases reported for the last four successive years however, it required sustaining the efforts because polio reemerged in 28 countries where it declared eliminated. The OPD cases have increased from a level of 39 per PHC per month to a level of almost over 1000 per month. The immunization coverage has increased from a level of almost 18 percent to over 60 percent. There was marked improvement in ambulatory and referral services and no polio cases reported after Institutional delivery in Bihar was estimated at 51.9 percent out of that 36.7 and 15.1 percent delivered at governmental and private institutions respectively. Mothers who did not receive any post-natal care were estimated as 20.7 percent percent pregnant women provided assistance under Janai Suraksha Yojna. A total of 61.5 percent registered in Bihar. Rogi Kalyan Samiti constituted at all district hospitals, PHCs, CHCs and FRUs. Over 8 lakh ASHA appointed in Bihar and almost 2400 new doctors aided to the system. 3 new medical colleges are in process to begin. DEMOGRAPHY, MORBIDITY, AND MORTALITY Close to 85 percent of the population lives in villages. Almost 58 percent populations of Bihar are below the age of 25 which is the highest proportion in India. There were almost 14 major cities in Bihar which were having population around 0.2 million or more. The state capital Patna was the most populous city in Bihar having a population of more than 2 million. The demographical pattern of Bihar was more similar to the Contemporary or Delayed Epidemiologic Transition Model where morality rate and fertility rate both declining slowly but steadily. However, it was apposite to the Classical Epidemiological Transition Model that applied to most developed countries. The total population of Bihar as per 2011 census reports was million with a decadal growth rate for the period was recoded as percent against percent during , hence a decline in population growth rate has been recorded. The Crude Birth Rate, Crude Death Rate, Natural Growth Rate, Infant Mortality Rate, Maternal Mortality Rate, Total Fertility Rate, Sex Ratio, 6
3 and Child Sex Ratio were recorded respectively as 27.7, 6.7, 21.0, 44, 261, 3.6, 916 and 933 respectively against the national averages of 21.8, 7.1, 14.7, 44, 212, 2.4, 940, and 914. The improvement in child sex ratio could be a welcome sign however overall sex ratio was even below the national average of 940 that could be a matter of concern. The best sex ratio in Bihar at birth was exhibited by districts like Buxar, Aurangabad and Banka that measured at 997, 985 and 978 respectively by the Annual Health Survey Report for the year while lowest sex ratio at birth was recorded for districts like Kaimur and Purnia at 871 and 878 respectively. The total literacy rate for male and female were recorded as percent and percent respectively against the national average of and percent respectively. The mean age of marriage in Bihar was estimated at 23.5 years. The estimated number of people suffering from any kind of disabilities per populations was The number of injured persons per populations was estimated at 231 out of that 198 suffered from major injuries. The numbers of persons suffered from Diarrhea/dysentery, Acute Respiratory Infections, fever of all types, and others types of acute illness was estimated at 1900, 4199, 7421, and respectively out of that a total of 98.2 percent expected to get treatment. However the percentage of people taking treatment at government health facilities was estimated as just 4.8 percent that could term extremely low. Per populations almost people suffered from any chronic illness. 354 people were diabetic, 757 suffered from hypertension, 330 infected with Tuberculosis, 117 suffered from Asthma or Chronic Respiratory Diseases. However just 49.5 percent people got treated out of which only 8.5 percent got treated from any governmental facilities. The percentage of pregnancy involving women aged years resulted in abortion was estimated at 5 percent. 43 percent of the Currently Married Women (15-49 years) used any contraceptives. Just o.3 percent male used any kind of contraceptives. Respectively 3.6 percent, 0.2 percent and 4.2 percent used condoms, oral pills and any traditional methods of contraceptives the unmet needs of contraceptives was estimated at 33.5 percent percent currently married women registered for ante natal care out of which 84.7 percent received any ante natal care. Surveillance, epidemiology, and demography was more or less symbolic. Data not collected and compounded from each public and private laboratories in Bihar. There was no any Geographical Information System (GIS) based data on disease prevalence. It was planned under the National Rural Health Mission to integrate the functioning of municipalities with the public health administration however that was not a case in Bihar. The vital registration accomplished by municipalities was not adequate. Lack of comprehensive and universal vital and patient registry in Bihar was hurting the public health data as Infant Mortality Rate (IMR), Maternal Mortality Rate (MMR), Crude Death Rate (CDR), Crude Birth rate (CBR), and many others were based on sample surveys conducted by different agencies. ENTITIES FOR PUBLIC HEALTH To promote the public health services in Bihar a separate department headed by a cabinet minister/ chief minister was set up in Bihar. That has been divided in government and directorates, as separate directorates and nine regional directorates were functional in the state. Under the aegis of National Rural Health Mission since 2005 onwards State Health Society, Bihar, District Health Societies, and Rogi Kalyan Samitis made operational. There were several tiers of health service providers starting from Health Sub Centre to Additional Primary Health Centre/ Primary Health Centre, Community Health Centre, First Referral Units, District Levels. Above all those there were regional, super specialty and medical college and hospitals. The tertiary level of public health system in Bihar strengthened with establishment of All India Institute of Medical Sciences. SERVICES & COVERAGE At the time of establishment of the first democratic government in Bihar in the year 1947, only 33 percent of the population had physical access to any public health services. However, surprisingly this survey has also found that the coverage has still not improved and remained around that figure of 33 percent. The coverage of public health services in Bihar has been ensured and extended to all citizens irrespective of caste, religion, and income level. However, some benefits extended only to people belonging to Below the Poverty Line or BPL. Large part of the health services 7
4 including OPD, IPD, Immunization, and Ambulatory Services extended across the all sections of society. However, several schemes such as health insurance, funds for institutional deliveries benefitted to BPL families. BPL families could also avail several paid services such as ambulatory, diagnostics, and other paid services at reasonable rates. The Out Patient and Inpatient Department services were largely free of cost at most public health services however at some place a low amount has been charged as registration amount. An amount of Rs. 5/- and Rs. 10/- are charged as registration amount at several hospitals including Medical College Hospitals. However home care services, services for old age persons, medicinal guarantee of all kinds, diagnostics of all kinds, population health, mental health, dental and physical therapy services, rural and indigenous health programs, and health services for war veterans were not ensured and therefore they largely not covered. Likewise, the AYUSH was not adequately functional at any location in Bihar and it raised a great question how the mainstreaming of AYUSH functioned in Bihar. This scheme largely appeared highly unproductive and a great loss to exchequer. However several ayush institutes attracted certain service seekers. Likewise, no ambulatory services, surgical facilities, free medicines and foods, diagnostics like pathological, ultrasound, MRI, CT scan could not ensure at several district hospitals. At least it was expected that they would be regularly available at each district hospitals. Such services were still unthinkable for most sub district hospitals. Those facilities one could find ensured at medical college hospitals to an extent. The Bihar Government was also planning to start paid clinics where patients can take the services of reputed doctors after paying a fee. Fees charged in this manner would equally distribute between the concerned doctor and hospital. By doing so it has been expected that such efforts would prevent private practice by government doctors, as many such doctors remained engaged in private practice despite taking non-practicing allowance from the government. Several such doctors have been punished recently however lack of any regular concerted efforts impact was very limited and private practice by government doctors in Bihar still continued unabated without any hindrance. This has turned to be a great issue in Bihar considering the fact that it has great potential to damage the overall public health progress in the state. 2.4 million Vials of anti-rabies vaccines usually consumed annually in Bihar every year almost costing approximately Rupees 300 crores at current rates. Such huge wastages could have been limited by checking and quarantining stray dogs and monkeys. If the municipalities had functioned well in all the districts then several water borne and vector borne diseases may have been also restricted and such failures caused numerous damage to life and economics. A healthcare system must allow individuals to choose their specialist for out-of-hospital care. However most of time patients are compelled to visit doctors not wished by them. The reason could be attributed to the fact that OPDs of several reputed doctors remained highly overcrowded. Several reputed doctors usually provided consultancy to almost more than 100 patients in their 6 hours of OPDs. Therefore it was required to limit the number of patient would be consulted by one doctor and it required adequate regulation. Even doctors could not seek extra money for more patients. However it has been also proposed that a certain amount would be also paid to the respective doctors in case of paid clinics only. Anyway such provisions not always well regulated and never benefitted people in impartial manner. There was not any facility for afterhours care at any public health centres in Bihar. In many countries of world doctor agrees to participate on a roster to provide appropriate after-hours medical care to people in the territory. The Home and Community Care program definitely not put on even agenda under the National Urban or Rural Health Missions so far. Palliative care services were also not provided by government or any nongovernmental providers to people in their own homes, in community-based settings such as nursing homes, in palliative care units, and in hospitals. The National Palliative Care program also not started in the country. Mental health care largely ignored in Bihar especially in public sector. It was required to set up a dedicated mental hospital in Bihar 8
5 since only such kind of hospital situated at Kanke, Ranchi now fall in Jharkhand state due to state s reorganization in the year 2000 creating a separate state of Jharkhand carving out 18 districts out of Bihar mainly hilly and tribal areas. A variety of mental health care services providers required to deliver mental health services in Bihar. Non-specialized services and specialized services are required through psychiatrists, psychologists, community-based mental health services, psychiatric hospitals, psychiatric units within general acute hospitals, and residential care facilities. Mental health related General Physicians and specialist consultations are required in Bihar. Community services including crisis, mobile assessment and treatment services, day programs, outreach services, and consultation services readily required in Bihar. Non-governmental organizations also required to provide information, treatment, and advocacy services for mental health care in Bihar. Despite all claims no specialized healthcare facilities such as kidney, liver and other organ transplant functioned at any specialty or super specialty hospitals. People suffered and waited long even for dialysis. Even diabetes and cardiac care were not so streamlined at any district or sub district hospitals. HEALTH INSURANCE Under the National Health Insurance Scheme, almost 7 million families were covered. The overall expenditure on this scheme was estimated at Rs crore annually and Bihar Government was paying an amount of Rs. 82 crore per annum. During , Bihar government had allocated an amount of Rs.57 crore in this regard. Eight insurance companies were engaged in this scheme. Cholamandalam General Insurance Company was extending this service in Begusarai, Khagadia, Araria, East Champaran, Katihar, Munger and Patna. United India Insurance extended services in Jeahanabad, Purnea,Saharasa, Kishanganj, Arwal,and Bhagalpur. ICIC Lombard in Samastipur, Banka, Sheikhpura, Siwan, Chapra, Madhepura, Nalanda and Muzaffarpur districts. Tata AIA extended services in Bhojpur, West Champaran, Gaya, and Supaul districts. Apollo Munich in Darbhanga, Sheohar and Vaishalli districts. HDFC Argo in Kaimur, Buxar, Aurangabad, and Rohtas districts. MAX Bopa in Madhubani and Gopaganj districts. Reliance in Sitamarhi district. Under the scheme, a Smart Card provided to head of the each family after realizing a contribution of Rs. 30 only. The Smart Card accepted in almost 400 government and private listed hospitals in Bihar. Free diagnostics, treatments, and medicines ensured. Government policies have encouraged people to take out private health insurance early in life: however, there were numerous corruption cases reported in Bihar of false claims made and payments of insurance amount to fake claimants and nursing homes. It was estimated that such swindle could have caused a damage to almost 5000 crore to the government. Several private insurance companies benefitted by governmental insurance policies, never extended any coverage to the people, and worked just on paper works. Therefore, health insurance schemes in Bihar must require well regulated in Bihar in order to enable benefits to genuine people. The health insurance coverage program must start at the early age and I would suggest starting it from the birth. People during early ages could insure at lower premiums. Government could also think paying full, part, or subsidized premiums. PUBLIC HEALTH FINANCING The state government has earmarked Rs 5,085 crore for health-related facilities in the financial year , up from around Rs 1,000 crore that it was spending on it in Moreover, the government has planned to spend up to 2.5 percent of the GDP on health services in five years since then, against the current expenditure of only 1.2 percent of the GDP. For the year expenditure for health sector is estimated at Rs crore as against Rs crore for the year During the year provision of a higher amount by Rs crore over the previous year has been made. For the year the total amount includes Rs crore Non plan, and Rs crore Plan scheme including Rs crore under State Plan and Rs crore for Centrally Sponsored Scheme. Nongovernment sources provided almost 0.9 percent of health expenditure in , including out-of-pocket spending (mostly spent on medications, dental services, aids and appliances, and copayments). Private health 9
6 insurance (PHI) offered choice among private hospitals, private care in public hospitals, inhospital specialists, and practitioners of ancillary services such as dental care, optometry, and complementary medicine. It also offered choice in the timing of procedures. Post liberalization and especially after 2004, private insurers had been able to cover out-ofhospital services that substitute for or prevent in-hospital care, and disease management programs now offered by most insurers. Private health insurance accounted for 7.6 percent of total health expenditure in , and almost 2.78 percent of the population had private hospital insurance and 4.9 percent had general treatment coverage (which included ancillary services). INFRASTRUCTURE AND WORKFORCE The overall public health care in Bihar extended through 9696 Health Sub Centres, Additional Primary Health Centres, 534 Primary Health Centres, 466 Community Health Centres, 55 Sub Divisional Hospitals, 36 District Hospitals, and 13 Medical Colleges & Hospitals. In addition, there were few specialty and super specialty hospitals, ESI Hospitals and Railway Hospitals at Patna, Hazipur, Saran, Katihar, there also Army Hospitals also functional at Danapur, Gaya, and North Bihar. An All India Institute of Medical Sciences (AIIMS) also became functional since Despite all those facilities it was estimated that a total of Health Sub Centres, 3460 Additional Primary Health Centres, 865 Referral Hospital or Community Health Centres, 63 Sub-Divisional Hospitals, 38 District/Sadar Hospitals, and 21 Medical Colleges & Hospitals were required in Bihar as per population norms of the Indian Public Health Standards (IPHS). Almost Female Health Workers/ ANMs positioned at the all-9696 functional Health Sub Centres in Bihar. This number also included those workers also posted at different Primary and Additional Primary Centres in the State. A total number of 1074 Male Health Workers positioned at the all-9696 Health Sub Centres. A total number of 358 Female Health Assistant /LHV posted at PHCs. The numbers of Health Assistant Male at PHCs were Doctors were posted at PHCs. In addition 451 General duty medical officers (GDMOs) and 80 Block extension educators (BEE) positioned at PHCs. The numbers of PHCs/APHCs functional in Bihar with four, three, two, and one doctors were respectively could be measured at 421, 32, 62, and 1330 whereas 18 APHCs were without any doctors. Lady Doctors positioned at only 165 PHCs. 212 PHCs were without any pharmacist. However, in 1384 PHCs/APHCs AYUSH facilities created. Only 41 surgeons positioned at CHCs in Bihar and there was a shortfall of 29 such surgeons. Likewise, at CHC level, it was a shortfall of 31 Obstetricians and Gynecologists as they just only functional at 39 CHCs. Physicians, Pediatricians, and Radiographers positioned at only 28, 43, and 13 CHCs respectively. Undoubtedly it could said that in Bihar it was not only that number of health facilities not expanded according to the population norms of IPHS however even existing health facilities were not adequately manned and made functional. QUALITY CARE Two sets of standards were operational in the public health sector of India and also in Bihar. First was the Bureau of Indian Standards and the second was India Public Health Standards. Under the National Rural Health Mission, the norms of Indian Public Health Standards implemented since 2006 onwards. There were qualities control committees at several levels. It was required to set up a national or state level commission on Safety and Quality in Health Care to provide quality care a statutory status. It could publicly report on the safety and quality of health care performance against national standards, disseminate knowledge, identify policy directions, and develop and promote programs. An authority also required to monitor trends in the performance of health service providers against standards set out. There is no compensation for patients in case he/she gets any substandard and low quality services and suffered damage to life and health. Although there have been provisions of quality control committee in each public health hospitals, nevertheless for adequate quality control in health care system accreditation system considered extremely useful. Considering this fact a national level accreditation system was in place namely National Accreditation Board of Health Care System, (NABH) constituted however, as of 10
7 June 2014, no any public hospital in Bihar could accredit. In fact the overall effort of the state government was to get accredited at least two hospital and they have selected Sub Divisional Hospital of Danapur and District Hospital Buxar. Both those hospitals would upgrade to the tune to get accreditation. However why Danapur and Buxar selected could not be clearly articulated. HEALTH DISPARITIES A great degree of health disparities persisted in Bihar in terms of economic and regional levels. Those disparities could only eliminate by strengthening free and cost effective, and sustainable public health care system. To eliminate regional disparities public health care system must be strengthened and bring much closer the people. In addition, for this sake each Health Sub Centre must made fully functional health facilities with all doctors and referral system. It required moving ahead from immunization and other peripheral services. ELECTRONIC HEALTH RECORDS The status of electronic health records not adequately positioned and developed. There was a provision for online patient registration and maintenance of records however, that no way could term adequate, as a handful of hospitals were able to do so. It was required to connect all government and private hospitals in any such network so that any patient coming to get any kind of treatment to any hospital get Unique ID and then their records remained maintained updated with time so that a case history of each treated individuals could be maintained. COST CONTROL In government hospitals cost is controlled by the philosophy of an entirely free of cost health services and it does not mean that services if free would not be available. For this sake government provided financial allocations to all health centers for expenditure on salary, establishment, infrastructure, logistics, and medicines. The cost control in public health system became important because several services outsourced to private parties and there have been public private partnerships. Therefore a mechanism of minimum charges is introduced whereby no service provider could charge more than fixed charges. The arrangement seems good at first glance however there were several malpractices adopted by those private service providers. In the private sector however, costs are controlled by various market, financing, and managerial mechanisms. Such mechanism considered not suitable for introduction in public health sector. India has so far not turned into a mature generic pharmaceuticals market like many other countries. The Government has to become a near-monopolist purchaser of patent medicines which, combined with tight prescribing requirements, allows it to control pharmaceutical pricing. However, private hospitals not regulated over the price it charge for rendering services. Many private hospitals charges are beyond a common person and that required capped. Diagnostics arrangements are also costly and in government hospital, there is long queue or waiting list for several diagnostics resulting in massive discomfort to patients requiring urgent treatments. HEALTH INFORMATION MANAGEMENT SYSTEM Bihar had a health information system that made functional by State Health Society, Bihar. However, it appeared that it was a part of the national level Health Information Management System. A wide range of data one could find however it was very difficult to access data due to non-development of adequate and wide range data collection and presentation system. The statistics compiled must include HRPH data, though not in a comprehensive manner. Special attention required at both regional and national levels to create an up-to -date HRPH information system. Furthermore, the health management information system scale-up appeared to be limited, particularly in Bihar with limited resources for hiring the health information technicians required to initiate the implementation. The failing public health provisions in the state may be due to three reasons such as nonexpansion of number of health facilities, no creation of infrastructure, logistics and finally arrangement of the public health workforce. All those were required arranging to the tune of the population norms of Indian Public Health Standards. Those failures resulted in lesser amiability of hospitals beds, physicians, gynecologists and para medical staff that happened to be among lowest in the world. The public health planners and policy makers 11
8 simply missed the opportunity and did nothing to promote work force because workforce was considered major cause of those shortfalls. There were several instances were found of creation of infrastructure and deployment of logistics without arranging work force. MEDICAL EDUCATION Medical colleges in Bihar largely never complied with the terms and conditions required for medical education set by the Medical Council of India (MCI). Medical Council of India based upon its findings time to time kept coming up with several disparities as a result medical education gets hampered in Bihar. Punitive actions of Medical Council of India most often included no increase of medical seats in medical colleges and nongrant of admissions from fresh batches. Some of the most common and specific drawbacks highlighted by Medical Council of India (MCI) in Bihar Medical Colleges usually included: Lack of Professors, Associate Professors, Assistant Professors, Tutors and, Residents, Paramedic and other staff, lack of infrastructure such as galleried study room, common room, hostel, bath and toilet facilities and also library facilities. Non-computerization of medical data emerged as one of the major ***** weaknesses in Bihar Medical colleges. Some other drawbacks noticed were such as lack of Pharmacy Vigilant Committees, lack of e-class, photography units. The total MBBS seats available in Bihar was almost 1000 one of the lowest in the country. Even at the post graduate or more precisely at MD or MS level number of seats were negligible considering the vast population and areas. State leadership and political class must think in this direction because lack of doctors, specialists, and other para medics and technicians the health care system would not sustain itself in regular and professional manner. Impression: The core public health objectives in Bihar were achievable yet not achieved or delayed. The public health planning was not according to the availability of the workforce. Subjects like Public health, Social & Community Medicine, Public Health Management, and Public Health Leadership are not taught at universities in Bihar. There were numbered academic researchers in those areas. Creation of infrastructure and logistics without dedicated workforce has hurt the success. Development of Public health leadership, workforce, and allocation of more funds would definitely turn the situation favorably and quickly. 12
BIHAR STATE LEVEL BANKERS'COMMITTEE DATA RELATED TO ACCOUNT OPENING/RUPAY CARD ISSUANCE /AADHAR SEEDING AS ON 26.01.2015
BIHAR STATE LEVEL BANKERS'COMMITTEE DATA RELATED TO ACCOUNT OPENING/RUPAY CARD ISSUANCE /AADHAR SEEDING AS ON 26.01.2015 SL.NO. NAME OF BANK Name of Districts No.of account Opened under PMJDY RUPAY CARD
Outsourcing of diagnostic services in public health facilities in Chhattisgarh. A critique by Jan Swasthya Abhiyan Chhattisgarh
Outsourcing of diagnostic services in public health facilities in Chhattisgarh A critique by Jan Swasthya Abhiyan Chhattisgarh The Chhattisgarh State Government has taken out a Request For Proposal (RFP)
The Healthy Michigan Plan Handbook
The Healthy Michigan Plan Handbook Introduction The Healthy Michigan Plan is a health care program through the Michigan Department of Community Health (MDCH). Eligibility for this program will be determined
COST OF HEALTH CARE- A STUDY OF UNORGANISED LABOUR IN DELHI. K.S.Nair*
Health and Population -Perspectives and Issues: 24 (2): 88-98, 2001 COST OF HEALTH CARE- A STUDY OF UNORGANISED LABOUR IN DELHI K.S.Nair* ABSTRACT The study attempts to estimate the economic burden of
HEALTH TRANSITION AND ECONOMIC GROWTH IN SRI LANKA LESSONS OF THE PAST AND EMERGING ISSUES
HEALTH TRANSITION AND ECONOMIC GROWTH IN SRI LANKA LESSONS OF THE PAST AND EMERGING ISSUES Dr. Godfrey Gunatilleke, Sri Lanka How the Presentation is Organized An Overview of the Health Transition in Sri
COUNTRY REPORT: CAMBODIA Sophal Oum, MD, MTH, DrPH, Deputy Director-General for Health
COUNTRY REPORT: CAMBODIA Sophal Oum, MD, MTH, DrPH, Deputy Director-General for Health I. ESTABLISHED PROFESSIONAL QUALIFICATIONS IN HEALTH, 2003 Sector Medical Service, Nursing, First Aid Medical Service
Healthy Michigan MEMBER HANDBOOK
Healthy Michigan MEMBER HANDBOOK 2014 The new name for Healthy 1 TABLE OF CONTENTS WELCOME TO HARBOR HEALTH PLAN.... 2 Who Is Harbor Health Plan?...3 How Do I Reach Member Services?...3 Is There A Website?....
The Healthy Michigan Plan Handbook
The Healthy Michigan Plan Handbook Introduction The Healthy Michigan Plan is a health care program through the Michigan Department of Community Health (MDCH). The Healthy Michigan Plan provides health
Health plans about you, Family health plans you can trust. yourlife & yourfamily Table of Benefits. IntegraGlobal. Healthcare you deserve
Health plans about you, Family health plans you can trust. IntegraGlobal Important Contact Information for your Integra Global Health Plan For help in understanding your benefits, questions and general
CARE Family Health. Integrated Family Health Initiative: Catalysing change for healthy communities PROGRAM SUMMARY
CARE Family Health Integrated Family Health Initiative: Catalysing change for healthy communities PROGRAM SUMMARY Background Bihar is one of India s largest and poorest states with over 100 million people.
MEDICAL AND PUBLIC HEALTH
Introduction MEDICAL AND PUBLIC HEALTH The Health Care in the Union Territory of Puducherry has been delivered through a network of 8 major Hospital, 4 CHCs, 39 PHCs, 77 Sub-Centres, 14 ESI Dispensaries
Best Buys & Trained Monkeys
& Trained Monkeys Associate Professor Ian Anderson Director Research Cooperative Research Centre Aboriginal Health Director: Centre for the Study of Health and Society & VicHealth Koori Health Research
cambodia Maternal, Newborn AND Child Health and Nutrition
cambodia Maternal, Newborn AND Child Health and Nutrition situation Between 2000 and 2010, Cambodia has made significant progress in improving the health of its children. The infant mortality rate has
PRIVATE MEDICAL PRACTITIONERS ASSOCIATION
PRIVATE MEDICAL PRACTITIONERS ASSOCIATION AN INTRODUCTION AND HISTORY A non governmental representative body. Representative body of millions of experienced doctors. Giving their services in deep rural
APPLICATION FOR ENROLLMENT IN EPIDEMIC INTELLIGENCE SERVICE (EIS) LIKE TRAINING PROGRAMME IN INDIA
Document No: EIS-NCDC-03/12 Please email electronic applications to [email protected] and mail printed copies to Strategic Alliance, Post Box No. 9780, New Friends Colony, New Delhi 110 025 APPLICATION FOR
APPENDIX B HONG KONG S CURRENT HEALTHCARE SYSTEM. Introduction
APPENDIX B HONG KONG S CURRENT HEALTHCARE SYSTEM Introduction B.1 Over the years, Hong Kong has developed a highly efficient healthcare system and achieved impressive health outcomes for its population.
Health Security for All
Health Security for All A joint partnership between Government of Jharkhand and ILO Sub Regional Office for South Asia, New Delhi Dr. Shivendu Ministry of Health, Family Welfare, Medical Education and
The Australian Healthcare System
The Australian Healthcare System Professor Richard Osborne, BSc, PhD Chair of Public Health Deakin University Research that informs this presentation Chronic disease self-management Evaluation methods
United States Fire Insurance Company: International Technological University Coverage Period: beginning on or after 9/7/2014
or after 9/7/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type: PPO This is only a summary. If you want more detail about your coverage and
Chapter: 2 Health care Industry in India
Chapter: 2 Health care Industry in India 2.1 Health care Environment in India Indian healthcare industry, unlike other industries, stands untouched by recession. There had been a steady growth in this
International Healthcare Comparison Plans Expat Standard, Comfort & Premium Plan 2013
Epat Standard, Comfort & Premium Plan 2013 Epat Standard, Comfort & Premium Plan 2013 Maimum Lifetime Plan Benefit $USD $400,000,000,000,000,000 Annual Maimum Plan Benefit $USD $400,000,000,000 $2,000,000
ALBERTA S HEALTH SYSTEM PERFORMANCE MEASURES
ALBERTA S HEALTH SYSTEM PERFORMANCE MEASURES 1.0 Quality of Health Services: Access to Surgery Priorities for Action Acute Care Access to Surgery Reduce the wait time for surgical procedures. 1.1 Wait
Important Contact Information for your Swisscare Expatriate Health Plan
& Table of Benefits Epat Plan 2013 Epat Plan 2013 Important Contact Information for your Swisscare Epatriate Health Plan For help in understanding your benefits, questions and general plan guidance, please
Blue Cross Premier Bronze Extra
An individual PPO health plan from Blue Cross Blue Shield of Michigan. You will have a broad choice of doctors and hospitals within Blue Cross Blue Shield of Michigan s unsurpassed statewide PPO network
SUMMARY OF BENEFITS. Cigna Health and Life Insurance Co. Grand County Open Access Plus Effective 1/1/2015
SUMMARY OF BENEFITS Cigna Health and Life Insurance Co. Grand County Open Access Plus Effective General Services In-Network Out-of-Network Primary care physician You pay $25 copay per visit Physician office
Health Policy, Administration and Expenditure
Submission to the Parliament of Australia Senate Community Affairs Committee Enquiry into Health Policy, Administration and Expenditure September 2014 Introduction The Australian Women s Health Network
Important Contact Information for your Swisscare Expatriate Health Plan
& Table of Benefits Epat Plan 2013 Epat Plan 2013 Important Contact Information for your Swisscare Epatriate Health Plan For help in understanding your benefits, questions and general plan guidance, please
Post-Conflict Health System Assessment: The Case of Libya
Post-Conflict Health System Assessment: The Case of Libya Department of Primary Care & Public Health School of Public Health, Faculty of Medicine Imperial College London, Charing Cross Campus 25 th September
Retaining skilled health Human Resources for Rural and Remote areas. a mapping of efforts under NRHM and ongoing studies in this area:
Retaining skilled health Human Resources for Rural and Remote areas a mapping of efforts under NRHM and ongoing studies in this area: The NATIONAL RURAL HEALTH MISSION paradigm shift Health is a state
PPO Hospital Care I DRAFT 18973
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.ibx.com or by calling 1-800-ASK-BLUE. Important Questions
SUMMARY OF BENEFITS. Cigna Health and Life Insurance Co. Laramie County School District 2 Open Access Plus Base - Effective 7/1/2015
SUMMARY OF BENEFITS Cigna Health and Life Insurance Co. Laramie County School District 2 Open Access Plus Base - Effective General Services In-Network Out-of-Network Physician office visit Urgent care
BANK OF ISRAEL Office of the Spokesperson and Economic Information. Press Release
BANK OF ISRAEL Office of the Spokesperson and Economic Information Press Release March 24, 2015 Excerpt from the "Bank of Israel Annual Report for 2014" to be published soon: The Flow of Funds in National
AMEX International Healthcare Plan Benefits schedule
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions AMEX International Healthcare Plan Benefits schedule Effective 1 April 2015 46.06.933.1-EUAM D (4/15) Your flexible
NATIONAL HEALTHCARE AGREEMENT 2012
NATIONAL HEALTHCARE AGREEMENT 2012 Council of Australian Governments An agreement between the Commonwealth of Australia and the States and Territories, being: t t t t t t t t the State of New South Wales;
Individual Health Plan Proposal
Individual Health Plan Proposal Table of Contents Page Section Ⅰ Company Introduction 3 Section Ⅱ Plan Introduction 4 Ⅰ Geographic Coverage 4 Ⅱ Benefit Schedule 4 Ⅲ Exclusions 8 Section Ⅲ Plan Administration
HEALTH PREFACE. Introduction. Scope of the sector
HEALTH PREFACE Introduction Government and non-government sectors provide a range of services including general practitioners, hospitals, nursing homes and community health services to support and promote
The practice of medicine comprises prevention, diagnosis and treatment of disease.
English for Medical Students aktualizované texty o systému zdravotnictví ve Velké Británii MUDr Sylva Dolenská Lesson 16 Hospital Care The practice of medicine comprises prevention, diagnosis and treatment
how to choose the health plan that s right for you
how to choose the health plan that s right for you It s easy to feel a little confused about where to start when choosing a health plan. Some people ask their friends, family, or co-workers for advice.
CORRELATIONAL ANALYSIS BETWEEN TEENAGE PREGNANCY AND MATERNAL MORTALITY IN MALAWI
CORRELATIONAL ANALYSIS BETWEEN TEENAGE PREGNANCY AND MATERNAL MORTALITY IN MALAWI Abiba Longwe-Ngwira and Nissily Mushani African Institute for Development Policy (AFIDEP) P.O. Box 31024, Lilongwe 3 Malawi
Healthy Michigan MEMBER HANDBOOK
Healthy Michigan MEMBER HANDBOOK 2015 The new name for Healthy 1 TABLE OF CONTENTS WELCOME TO HARBOR HEALTH PLAN.... 2 Who Is Harbor Health Plan?... 3 How Do I Reach Member Services?... 3 Is There A Website?....
Australia s primary health care system: Focussing on prevention & management of disease
Australia s primary health care system: Focussing on prevention & management of disease Lou Andreatta PSM Assistant Secretary, Primary Care Financing Branch Australian Department of Health and Ageing Recife,
http://www.bls.gov/oco/ocos060.htm Social Workers
http://www.bls.gov/oco/ocos060.htm Social Workers * Nature of the Work * Training, Other Qualifications, and Advancement * Employment * Job Outlook * Projections Data * Earnings * OES Data * Related Occupations
The BVZ is important for a uniform access to and maintaining and where possible improving the quality of health care.
A basic health insurance On February 1, 2013, the basic healthcare insurance (BVZ) was introduced for all residents of Curaçao. The basic healthcare insurance, as regulated in the Basic healthcare Act,
Department of Veterans Affairs VHA DIRECTIVE 2010-010 Veterans Health Administration Washington, DC 20420 March 2, 2010
Department of Veterans Affairs VHA DIRECTIVE 2010-010 Veterans Health Administration Washington, DC 20420 STANDARDS FOR EMERGENCY DEPARTMENT AND URGENT CARE CLINIC STAFFING NEEDS IN VHA FACILITIES 1. PURPOSE:
Measures for the Australian health system. Belinda Emms Health Care Safety and Quality Unit Australian Institute of Health and Welfare
Measures for the Australian health system Belinda Emms Health Care Safety and Quality Unit Australian Institute of Health and Welfare Two sets of indicators The National Safety and Quality Indicators Performance
Benefit Summary - A, G, C, E, Y, J and M
Benefit Summary - A, G, C, E, Y, J and M Benefit Year: Calendar Year Payment for Services Deductible Individual $600 $1,200 Family (Embedded*) $1,200 $2,400 Coinsurance (the percentage amount the Covered
See the Common Medical Events chart for your costs for services this plan covers. Are there other deductibles for specific services?
CA SignatureValue Alliance Coverage Period: 01/01/2015 12/31/2015 Summary of Benefits and Coverage: What This Plan Covers & What it Costs Coverage for: Employee/Family Plan Type: HMO This is only a summary.
Informational Series. Community TM. Glossary of Health Insurance & Medical Terminology. (855) 624-6463 HealthOptions.
Informational Series Glossary of Health Insurance & Medical Terminology How to use this glossary This glossary has many commonly used terms, but isn t a full list. These glossary terms and definitions
W.R. Berkley Insurance (Europe), Limited
W.R. Berkley Insurance (Europe), Limited GENERAL MEDICAL MALPRACTICE INSURANCE PROPOSAL FORM 1. Disclosure IMPORTANT NOTICE TO THE PROPOSER TO COMPLETION OF THIS PROPOSAL FORM Any material fact must be
Western Health Advantage: City of Sacramento HSA ABHP Coverage Period: 1/1/2016-12/31/2016
Coverage For: Self Plan Type: HMO This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.westernhealth.com or
Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.pplusic.com or by calling 608-282-8900 (1-800-545-5015).
EPOC Taxonomy topics list
EPOC Taxonomy topics list Delivery Arrangements Changes in how, when and where healthcare is organized and delivered, and who delivers healthcare. How and when care is delivered Group versus individual
Department of Hospital and health service Management Courses Description Hospitl Management
Department of Hospital and health service Management Courses Description Hospitl Management 1. Information Technology in Health services (406100) pre-req. (406110) The course includes the various types
Preventable mortality and morbidity of children under 5 years of age as a human rights concern
Preventable mortality and morbidity of children under 5 years of age as a human rights concern 1. Has your government developed a national policy/strategy/action plan aimed at reducing mortality and morbidity
Important Issues on Ageing in India Recommendations To Planning Commission- Will social improvements for elderly grow by 8 %?
Important Issues on Ageing in India Recommendations To Planning Commission- Will social improvements for elderly grow by 8 %? HELPAGE INDIA Comparative Demographic Facts 25 21 21 20 % 15 10 8 12 India
Health Reform and the AAP: What the New Law Means for Children and Pediatricians
Health Reform and the AAP: What the New Law Means for Children and Pediatricians Throughout the health reform process, the American Academy of Pediatrics has focused on three fundamental priorities for
The American Health Care System
2 HISTORICAL OUTLOOK OF PATIENT EDUCATION IN AMERICAN HEALTH CARE Objectives After completing Chapter 2, the reader will be able to: Describe the development of patient education in health care. Identify
MyMoney s guide to medical insurance
The best deals from leading insurers MyMoney s guide to medical insurance Public versus Private Medical Coverage Reasons why people buy Private Medical Insurance What are the different options available
http://www.cdc.gov/nchs.
As the Nation s principal health statistics agency, the National Center for Health Statistics (NCHS) compiles statistical information to guide actions and policies to improve the health of the population.
Central African Republic Country brief and funding request February 2015
PEOPLE AFFECTED 2 700 000 affected with 2,000,000 target by Humanitarian response 1 472 000 of those in need, targeted for health service support by WHO 430 000 internally displaced 426 000 refugees HEALTH
The Corporate Global Health plans explained. Plans designed by
The Corporate Global Health plans explained Plans designed by The Corporate Global Health plans are for employers who want their staff to be able to access the very best private health care within Dubai,
Public Health Services
Public Health Services FUNCTION The functions of the Public Health Services programs are to protect and promote the health and safety of County residents. This is accomplished by monitoring health status
3. Financing. 3.1 Section summary. 3.2 Health expenditure
3. Financing 3.1 Section summary Malaysia s public health system is financed mainly through general revenue and taxation collected by the federal government, while the private sector is funded through
The Empire Plan: for Groups in Non-Grandfathered Plans Coverage Period: 01/01/2015 12/31/2015
The Empire Plan: for Groups in Non-Grandfathered Plans Coverage Period: 01/01/2015 12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Important Questions Coverage for: Individual
Welcome to Angkor Hospital for Children, Siem Reap, Cambodia. SOM SOPHAL Director of Nursing Angkor Hospital for Children
Welcome to Angkor Hospital for Children, Siem Reap, Cambodia SOM SOPHAL Director of Nursing Angkor Hospital for Children Contents: 1. Cambodian mapping 2. Background/recent history 3. Health care system
INDICATOR REGION WORLD
SUB-SAHARAN AFRICA INDICATOR REGION WORLD Demographic indicators Total population (2005) 713,457,000 6,449,371,000 Population under 18 (2005) 361,301,000 2,183,143,000 Population under 5 (2005) 119,555,000
Ryan White Program Services Definitions
Ryan White Program Services Definitions CORE SERVICES Service categories: a. Outpatient/Ambulatory medical care (health services) is the provision of professional diagnostic and therapeutic services rendered
Strategic Plan for Nurse Practitioners in the Northern Territory
Strategic Plan for Nurse Practitioners in the Northern Territory 2014-2016 www.nt.gov.au/health PAGE 1 NT Department of Health Office of the Chief Nursing and Midwifery Officer NT Department of Health
Continuing Medical Education in Eritrea : Need for a System
Original Articles Continuing Medical Education in Eritrea : Need for a System Abdullahi M. Ahmed 1, Besrat Hagos 2 1. International Centre for Health Management, Istituto Superiore di Sanita, ` Rome, Italy
CHAPTER 8 HEALTH CARE
CHAPTER 8 HEALTH CARE LOCAL HEALTHCARE PROVINCIAL MEDICAL CARE PLAN (MCP) INTERIM FEDERAL HEALTH PROGRAM FINDING A DOCTOR PRESCRIPTION DRUGS MEDICAL EMERGENCIES Local Healthcare We have a modern hospital
Snapshot Report on Russia s Healthcare Infrastructure Industry
Snapshot Report on Russia s Healthcare Infrastructure Industry According to UK Trade & Investment report, Russia will spend US$ 15bn in next 2 years to modernize its healthcare system. (Source: UK Trade
PROPOSAL. Proposal Name: Open Source software for improving Mother and Child Health Services in Pakistan". WHO- Pakistan, Health Information Cell.
PROPOSAL Proposal Name: Open Source software for improving Mother and Child Health Services in Pakistan". Submitted by: WHO- Pakistan, Health Information Cell. Please provide a description of the proposal
AVMED POS PLAN. Allergy Injections No charge 30% co-insurance after deductible Allergy Skin Testing $30 per visit 30% co-insurance after deductible
AVMED POS PLAN This Schedule of Benefits reflects the higher provider and prescription copays for 2015. This is not a contract, it s a summary of the plan highlights and is subject to change. For specific
117 4,904,773 -67-4.7 -5.5 -3.9. making progress
Per 1 LB Eastern Mediterranean Region Maternal and Perinatal Health Profile Department of Maternal, Newborn, Child and Adolescent Health (MCA/WHO) Demographics and Information System Health status indicators
Commercial. Individual & Family Plan. Health Net California Farm Bureau and PPO. Insurance Plans. Outline of Coverage and Exclusions and Limitations
Commercial Individual & Family Plan Health Net California Farm Bureau and PPO Insurance Plans Outline of Coverage and Exclusions and Limitations Table of Contents Health Plans Outline of coverage 1 Read
Schedule of Benefits HARVARD PILGRIM LAHEY HEALTH VALUE HMO MASSACHUSETTS MEMBER COST SHARING
Schedule of s HARVARD PILGRIM LAHEY HEALTH VALUE HMO MASSACHUSETTS ID: MD0000003378_ X Please Note: In this plan, Members have access to network benefits only from the providers in the Harvard Pilgrim-Lahey
Position Statement #37 POLICY ON MENTAL HEALTH SERVICES
THE ROYAL AUSTRALIAN AND NEW ZEALAND COLLEGE OF PSYCHIATRISTS Position Statement #37 POLICY ON MENTAL HEALTH SERVICES Mental disorder is a major cause of distress in the community. It is one of the remaining
Your Plan: Value HMO 25/40/20% (RX $10/$30/$45/30%) Your Network: Select Plus HMO
Your Plan: Value HMO 25/40/20% (RX $10/$30/$45/30%) Your Network: Select Plus HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary
Land of Lincoln Health : Family Health Network LLH 3-Tier Bronze PPO Coverage Period: 01/01/2016 12/31/2016
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.landoflincolnhealth.org or by calling 1-844-FHN-4YOU.
2015 Medical Plan Summary
2015 Medical Plan Summary AVMED POS PLAN This Schedule of Benefits reflects the higher provider and prescription copayments for 2015. This is not a contract, it s a summary of the plan highlights and is
FASHION INSTITUTE OF TECHNOLOGY : Aetna Open Access Elect Choice
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthreformplansbc.com or by calling 1-888-982-3862.
Health Net Life Insurance Company California Farm Bureau Members Health Insurance Plans Major Medical Expense Coverage Outline of Coverage
Health Net Life Insurance Company California Farm Bureau Members Health Insurance Plans Major Medical Expense Coverage Outline of Coverage Read Your Certificate Carefully This outline of coverage provides
Why the Affordable Care Act Matters for Women: Health Insurance 101
Why the Affordable Care Act Matters for Women: Health Insurance 101 APRIL 2014 Women are the health care decision makers in our country they make approximately 80 percent of the health care decisions in
Important Questions Answers Why this Matters:
Anthem BlueCross BlueShield WI 2-99 Lumenos Health Savings Account POS Copay Option 4 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 12/01/2014-11/30/2015 Coverage
Student Health Insurance Plan Insurance Company Coverage Period: 07/01/2015-06/30/2016
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.
Health, history and hard choices: Funding dilemmas in a fast-changing world
Health, history and hard choices: Funding dilemmas in a fast-changing world Thomson Prentice Global Health Histories Health and Philanthropy: Leveraging change University of Indiana, August 2006 An embarrassment
Health Insurance Policies
Standard Definitions of Terminology used in Health Insurance Policies PUBLISHED IN THE GUIDELINES ON STANDARDISATION IN HEALTH INSURANCE VIDE IRDA CIRCULAR NO: IRDA/HLT/CIR/036/02/2013 DATED 20.02.2013
Country Case Study E T H I O P I A S H U M A N R E S O U R C E S F O R H E A L T H P R O G R A M M E
Country Case Study E T H I O P I A S H U M A N R E S O U R C E S F O R H E A L T H P R O G R A M M E GHWA Task Force on Scaling Up Education and Training for Health Workers S U M M A R Y Ethiopia suffers
IN-NETWORK MEMBER PAYS. Out-of-Pocket Maximum (Includes a combination of deductible, copayments and coinsurance for health and pharmacy services)
HMO-OA-CNT-30-45-500-500D-13 HMO Open Access Contract Year Plan Benefit Summary This is a brief summary of benefits. Refer to your Membership Agreement for complete details on benefits, conditions, limitations
