Gruenberg L, Wallack S S, Tompkins C P
Health Care Financ Rev. 1986;1986(Spec No):35-44.
This article discusses alternative methods for establishing a fairer pricing mechanism for Medicare recipients who enroll in health maintenance organizations and other competitive medical plans. The current method, based upon the adjusted average per capita cost, is inadequate because it fails to adjust premium levels for differences in health status; it establishes undesirable incentives that may lead to underservice, and it is tied to costs in the fee-for-service system. Alternative methods would incorporate health status, have Medicare share the risk with HMO's, and base payment on HMO experience.
本文讨论了为参加健康维护组织及其他竞争性医疗计划的医疗保险受益人建立更公平定价机制的替代方法。当前基于调整后的人均成本的方法并不充分,因为它未能针对健康状况差异调整保费水平;它建立了可能导致服务不足的不良激励机制,并且与按服务收费系统中的成本挂钩。替代方法将纳入健康状况,让医疗保险与健康维护组织分担风险,并根据健康维护组织的经验进行支付。