Spranca Mark D, Elliott Marc N, Shaw Rebecca, Kanouse David E
Abt Associates, Cambridge, MA 02420, USA.
Health Care Financ Rev. 2007 Spring;28(3):47-59.
To help Medicare beneficiaries and their intermediaries select the best health plan, CMS publicly reports comparative plan information. Using a laboratory version of Medicare Health Plan Compare that involved a simulated plan choice by 359 Medicare intermediaries, we experimentally investigated plan recommendations with and without disenrollment information and time constraints for viewing materials. Results indicated that the presence of disenrollment information reduced time spent on other measures of plan performance. It also reduced decision quality for less educated intermediaries. Designers and sponsors of consumer-oriented materials should recognize that more information is not always better.
为帮助医疗保险受益人及其中介机构选择最佳健康计划，医疗保险和医疗补助服务中心（CMS）公开报告比较性的计划信息。我们使用医疗保险健康计划比较的实验版本，该版本涉及359名医疗保险中介机构进行的模拟计划选择，在此基础上，我们对有无退保信息以及查看资料的时间限制情况下的计划建议进行了实验研究。结果表明，退保信息的存在减少了在计划绩效其他衡量指标上花费的时间。这也降低了受教育程度较低的中介机构的决策质量。面向消费者资料的设计者和发起者应认识到，信息并非越多越好。
