保险覆盖对预防性护理的影响
Marika Cabral1, Mark R Cullen2
1Department of Economics, University of Texas at Austin Department of Economics and NBER, Austin, TX 78712.
医疗保险的福利设计是,降低预防性护理成本可能不会增加其使用. 相反,预防性护理的使用率下降,这表明它补充了非预防性护理.
科学领域:
- 卫生经济学 卫生经济学
- 医疗保健服务研究 医疗服务研究
- 行为经济学是一种行为经济学.
背景情况:
- 越来越多的医疗保险计划为预防性和非预防性护理提供了不同的覆盖范围.
- 对于个人在保险覆盖范围发生变化时如何利用预防服务的理解有限.
- 保险福利的设计是影响医疗保健利用模式的关键因素.
研究的目的:
- 调查差异性保险覆盖对预防性护理利用的影响.
- 研究非预防性护理的价格与预防性服务的使用之间的关系.
- 要确定预防性护理和非预防性护理是否是替代品或补充品.
主要方法:
- 利用来自一家大型公司的行政数据.
- 采用差异研究策略来分析福利设计的变化.
- 在实施新保险福利设计之前和之后,比较了预防性护理的使用率.
主要成果:
- 在保险福利设计变化之后,预防性护理的使用率没有增加.
- 观察到预防性护理利用率下降.
- 在非预防性护理和预防性护理之间发现了显著的负面交叉价格效应.
结论:
- 针对预防性护理的医疗保险覆盖范围的有针对性的变化可能不会导致所需的利用率增加.
- 非预防性护理和预防性护理似乎是补充,而不是替代.
- 需要进一步的研究来理解保险设计和寻求医疗保健的行为之间的复杂关系.
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