Cline Richard R, Mott David A
Department of Pharmaceutical Care and Health Systems, College of Pharmacy, University of Minnesota, Minneapolis 55455, USA.
Inquiry. 2003 Summer;40(2):169-83. doi: 10.5034/inquiryjrnl_40.2.169.
Several proposals for adding a prescription drug benefit to the Medicare program rely on consumer choice and market forces to promote efficiency. However, little information exists regarding: 1) the extent of price sensitivity for such plans among Medicare beneficiaries, or 2) the extent to which drug-only insurance plans using various cost-control mechanisms might experience adverse selection. Using data from a survey of elderly Wisconsin residents regarding their likely choices from a menu of hypothetical drug plans, we show that respondents are likely to be price sensitive with respect to both premiums and out-of-pocket costs but that selection problems may arise in these markets. Outside intervention may be necessary to ensure the feasibility of a market-based approach to a Medicare drug benefit.
几项关于在医疗保险计划中增加处方药福利的提议依赖于消费者选择和市场力量来提高效率。然而，关于以下方面的信息很少：1）医疗保险受益人对此类计划的价格敏感度；2）采用各种成本控制机制的纯药品保险计划可能出现逆向选择的程度。利用对威斯康星州老年居民进行的一项调查数据，该调查涉及他们从一系列假设的药品计划中可能做出的选择，我们发现，受访者可能对保费和自付费用都很敏感，但这些市场可能会出现选择问题。可能需要外部干预，以确保基于市场的医疗保险药品福利方案的可行性。
