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评估65岁以下的医疗保险受益人获得护理的机会
Emma M Achola1, Shelley A Jazowski, Lauren Hersch Nicholas
1Department of Health Policy, Vanderbilt University School of Medicine, 2525 West End Ave, Ste 1275, Nashville, TN 37203.
The American journal of managed care
|May 19, 2025
概括
医疗保险覆盖的类型会影响年轻人获得护理的机会. 不那么慷慨的计划与更高的成本和进入障碍相关,特别是对于非双重资格的个人.
科学领域:
- 医疗保健服务研究 医疗服务研究
- 卫生经济学 卫生经济学
- 公共卫生政策 公共卫生政策
背景情况:
- 65岁以下的个人可能因残疾或特殊情况而有资格获得医疗保险.
- 这些受益者,特别是非双重资格的受益者,可能面临严重的成本和医疗保健接入障碍.
- 了解医疗保险覆盖类型如何影响这些障碍对政策和患者福祉至关重要.
研究的目的:
- 检查不同医疗保险覆盖类型与65岁以下受益人医疗护理的自我报告障碍之间的联系.
- 根据双重资格地位来比较这些协会.
主要方法:
- 利用了来自健康和退休研究 (2012-2020) 的数据.
- 使用多变量线性概率模型来评估关联.
- 根据医疗保险覆盖类型 (附加覆盖/无附加覆盖的传统医疗保险,医疗保险优势) 来比较50-64岁的非双重资格和双重资格受益人的社会人口统计和健康特征.
- 分析了自我报告的结果,包括不坚持药物治疗,延迟护理,通常的护理来源和难以找到医生.
主要成果:
- 在非双重资格受益者中,传统医疗保险与补充覆盖相关,与传统医疗保险没有补充覆盖相比,药物不服药,延迟护理和缺乏通常护理来源的比例明显较低.
- 与没有补充覆盖的传统医疗保险相比,Medicare Advantage入学也显示了较低的延迟护理率和缺乏通常的护理来源.
- 对于双重资格的受益人来说,保险类型在结果上显示出极小的差异,尽管转换到Medicare Advantage与难以找到医生的困难有关.
结论:
- 不那么慷慨的医疗保险覆盖方案与65岁以下受益人增加成本和进入障碍有关.
- 覆盖类型显著影响65岁以下非双重资格人士获得医疗保健的机会.
- 政策考虑应解决覆盖率充足的这一群体,以减轻进入障碍.
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