Pauly M V
J Med Pract Manage. 1987 Summer;3(1):11-6.
Recent proposals to provide catastrophic healthcare benefits to the elderly under Medicare are flawed by their compulsory nature of premium payments and the granting of a monopoly to the federal government to underwrite such coverage. Additionally, current Medicare policy provides an inherent subsidy to Medigap insurance reducing the incentive to purchase private catastrophic coverage. Other options include paying for such coverage by increasing copayments or increasing private Medigap coverage. The public policy implications of these proposals are discussed.
近期有关通过医疗保险为老年人提供灾难性医疗福利的提议存在缺陷，因其保费支付具有强制性，且赋予联邦政府承保此类保险的垄断权。此外，现行医疗保险政策对补充医疗保险提供了内在补贴，降低了购买私人灾难性保险的积极性。其他选择包括通过提高自付费用或增加私人补充医疗保险覆盖范围来支付此类保险。本文讨论了这些提议的公共政策影响。
