We've considered the new role of consumerism in health care as well as some of the challenges we as consumers face. In this module, we will continue the discussion with an emphasis on the financing of the delivery of healthcare, and its impact in both the organization as well as the consumer. As we've seen, the current payment model of fee for service is costly, and emphasizes volume of service as well as inefficient delivery approach. In the recent past, new models of payment had been introduced, and they have begun to incrementally change the way care is delivered. Examples are value-based payments, which are tied to quality measures, episode based payments, which pay for the full treatment of care including acute care and other services, such as rehabilitation for the complete treatment of a disease or procedure, and finally capitation or global payments. All of these models or for some benefit to the consumer, but also challenges for the organizations delivering care under different finance models. Old processes and procedures need to be changed as well as how quality, access, and cost of care are measured. To complicate these initiatives, employers and insurers have increased the cost of insurance to consumers by introducing high deductibles and coinsurance in their health plans. This cost shifting and the responsibility for calculating the consumer portion is more complicated for providers than it is for the fee for service approach. The result for the consumer can be confusing and very frustrating. In addition, it is more work for both the delivery organization and the consumer. In this module, we will look at some of the challenge of these newer payment models, and discuss how new approaches are being used to find solutions while still addressing the triple aim of improving quality, access, and lowering cost. So, let's begin.