Jensen G A, Morrisey M A
Department of Economics, Wayne State University, Detroit, MI 48202.
Inquiry. 1991 Winter;28(4):393-402.
This paper uses 1988 Bureau of Labor Statistics data to analyze the content of insurance coverage for alcohol and drug abuse treatment offered by medium and large private sector firms. Ninety percent of workers had medical insurance. Of these, 81% had coverage for alcohol abuse treatment and 75.5% had coverage for drug abuse treatment. The coverages were almost always offered together, and the benefits were generally identical for both. Coverage for inpatient detoxification was most common, followed by outpatient care and inpatient rehabilitation. Self-insured plans, although exempt from state-mandated benefits, were as likely to include alcohol and drug abuse coverage as Blue Cross and Blue Shield and commercial plans, and their specific benefits were no less generous. Coverage limitations tended to be more restrictive for these illnesses than for others. The nature of the limitations varied greatly, although day and dollar limits were most common for inpatient treatment, and visit limits and higher copayments were most common for outpatient treatment.
本文使用1988年劳工统计局的数据，分析了大中型私营企业提供的酒精和药物滥用治疗保险覆盖范围的内容。90%的工人拥有医疗保险。其中，81%的人享有酒精滥用治疗保险，75.5%的人享有药物滥用治疗保险。这两种保险几乎总是一起提供，并且福利通常相同。住院戒毒保险最为常见，其次是门诊护理和住院康复。自保计划虽然不受州规定福利的约束，但与蓝十字蓝盾和商业计划一样，也有可能包括酒精和药物滥用保险，而且它们的具体福利同样慷慨。这些疾病的保险覆盖限制往往比其他疾病更为严格。限制的性质差异很大，不过住院治疗最常见的是天数和金额限制，门诊治疗最常见的是就诊次数限制和更高的自付费用。
