保费回扣与医疗保险市场改革的悄然共识。
Premium rebates and the quiet consensus on market reform for Medicare.
作者信息
Feldman R, Dowd B E, Coulam R, Nichols L, Mutti A
机构信息
University of Minnesota, USA.
出版信息
Health Care Financ Rev. 2001 Winter;23(2):19-33.
Premium rebates allow beneficiaries who choose more efficient Medicare options to receive cash rebates, rather than extra benefits. That simple idea has been controversial. Without fanfare, however, premium rebates have become a key area of agreement in the debate on Medicare reform. Moreover, in legislation in late 2000, it became official policy: Medicare+Choice (M+C) plans will be allowed to offer rebates beginning in 2003. This article explores the economic rationale for premium rebates, provides a historical perspective on the rebate debate, discusses some of the implementation issues that need to be addressed before 2003, and reviews the implications of premium rebates for current legislative proposals for Medicare reform.
保费回扣允许选择更高效医疗保险选项的受益人获得现金回扣，而非额外福利。这一简单理念一直颇具争议。然而，保费回扣在毫无声张的情况下，已成为医疗保险改革辩论中达成共识的关键领域。此外，在2000年末的立法中，它成为了官方政策：自2003年起，将允许“医疗保险+选择”（M+C）计划提供回扣。本文探讨了保费回扣的经济原理，提供了回扣辩论的历史视角，讨论了2003年之前需要解决的一些实施问题，并审视了保费回扣对当前医疗保险改革立法提案的影响。
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