Emery J D
Tiber Group LLC, Chicago, Illinois, USA.
Healthc Financ Manage. 2001 Jan;55(1):37-9.
In response to rising health insurance premiums, many purchasers of coverage are evaluating the possibility of implementing defined-contribution health insurance plans. Under a defined-contribution plan, employers or the government pay a specified portion of the premium, and the consumer chooses a plan from a menu of options, paying the balance of the premium based on their plan selection. A shift to a defined-contribution model will have far-reaching implications for consumers, employer and government purchasers, payers, and providers. Providers will face changes in consumption patterns and the need to develop a brand image, market their strengths directly to consumers, educate consumers about their services and pricing, and reconfigure infrastructures to be able to respond efficiently to consumer demands.
为应对不断上涨的医疗保险费用，许多保险购买者正在评估实施定额缴费型医疗保险计划的可能性。在定额缴费计划下，雇主或政府支付保费的特定部分，消费者从一系列选项中选择一个计划，并根据其计划选择支付保费余额。向定额缴费模式的转变将对消费者、雇主、政府购买者、付款方和提供者产生深远影响。提供者将面临消费模式的变化，需要树立品牌形象，直接向消费者推销自身优势，向消费者普及服务和定价信息，并重新配置基础设施，以便能够高效响应消费者需求。
