医疗保险D部分受益人自我报告的改变计划和进行计划比较的障碍
Wändi Bruine de Bruin1, Nathan Hodson2, Lila Rabinovich3
1Schaeffer Institute for Public Policy and Government Service, Sol Price School of Public Policy, and Department of Psychology, University of Southern California, Los Angeles, CA 90089, United States.
Health affairs scholar
|November 20, 2024
概括
许多医疗保险D部分受益人没有比较药物计划,导致不切换. 这种注意力不足与困难和缺乏计划变化有关,影响了处方药保险选择.
科学领域:
- 卫生政策 卫生政策
- 老年学是指老年学的学科.
- 卫生经济学 卫生经济学
背景情况:
- 医疗保险D部分为残疾人和65岁以上的人提供独立的处方药计划.
- 受益人可以每年更换计划,但大多数人不这样做,引发了人们对不注意和低于最佳覆盖率的担忧.
- 关于受益人之间的医疗保险D部分计划比较行为的直接证据有限.
研究的目的:
- 调查医疗保险D部分受益者之间的计划比较和切换行为程度.
- 确定与受益人相关的因素,这些受益人既不比较也不更换他们的处方药计划.
- 了解那些比较但不更换计划的受益人的特点.
主要方法:
- 从全国代表性样本中对439名医疗保险D部分受益人进行了调查,该调查是在2024年开放招生后进行的.
- 收集了关于计划比较,切换行为和相关因素的自我报告数据.
- 使用多项回归分析来确定不同受益群体的预测因素 (比较者与非比较者,切换者与非切换者).
主要成果:
- 53%的受访受益者表示在开放招生期间没有进行计划比较.
- 没有比较计划的受益人很不可能转换 (98%的不转换).
- 与非比较和非切换相关的因素包括感知到的困难,缺乏计划变化或不满,以及有限的决策工具使用.
结论:
- 很大一部分医疗保险D部分的受益人表现出不注意,未能比较计划,因此没有切换.
- 难以进行比较/切换以及缺乏感知到改变的需要,都会导致不切换的行为.
- 政策干预应解决比较障碍,并促进医疗保险D部分受益人的知情决策.
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