医疗保险覆盖的老年人中的费用分担、补充保险与医疗服务利用情况
Cost sharing, supplementary insurance, and health services utilization among the Medicare elderly.
作者信息
Link C R, Long S H, Settle R F
出版信息
Health Care Financ Rev. 1980 Fall;2(2):25-31.
This paper investigates the extent to which private supplementary insurance and Medicaid, which vitiate the effect of Medicare cost-sharing, encourage elderly beneficiaries to seek additional medical care. A multivariate model of health services utilization is estimated with the Tobit technique, using the 1976 Health Interview Survey. We find that either private or public supplementation induces greater use of hospital and physician services, though in amounts that vary considerably according to health status. The paper closes with observations on cost savings brought about by Medicare cost-sharing and some implications for equity among beneficiaries.
本文研究了削弱医疗保险费用分担效果的私人补充保险和医疗补助在多大程度上鼓励老年受益人寻求更多医疗护理。利用1976年健康访谈调查，采用托比特技术估计了健康服务利用的多变量模型。我们发现，无论是私人补充保险还是公共补充保险都会促使人们更多地使用医院和医生服务，不过使用量会因健康状况而有很大差异。本文最后讨论了医疗保险费用分担带来的成本节约以及对受益人公平性的一些影响。
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