Is it morally appropriate for an HMO to used a capititation system?

is it morally appropriate for an HMO(health maintenance organization) to used a capititation system that provides economic insentives to increase in the delivery of medical care.

It is morally appropriate to allow for capitation systems. If the claims are consistently submitted by the provider, then the HMO can manage the volume of cases and types of cases/care delivered. Anything that incentivizes a provider to give better, more consistent care is huge in this messed up payer system that we currently deal with as privately insured people in this country.

I used to work for a health insurance company as a financial analyst overseeing the HMO, PPO and other plans. I learned a lot, and I really don't like the system... but now at least I know how it works!

I think you mean capitalization system. No, an HMO should not be in business just for the money but they usually are. There are many things wrong with HMOs and insurance in general. There's not a whole lot we can do about it though unless we can get congress to take action.

In my humble opinion, it is immoral for an HMO to even exist. They legally exist but that's not morally. Conceptually, it seemed like a good idea but when it first was implemented but as time went on and it was coupled with greed by the management /insurance companies and the entitlement attitude of the enrollees, it becomes a fiasco.

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