McCall N, Rice T, Boismier J, West R
School of Public Health, University of California, Los Angeles.
Inquiry. 1991 Fall;28(3):276-87.
This paper examines the impact of supplemental health insurance policy ownership on the use of health care services by the elderly. It employs a data base consisting of Medicare claims data from over 2,000 beneficiaries in six states, actual copies of their supplemental insurance policies, and detailed survey information. The results show that policy ownership has a substantial, positive impact on service usage and costs, particularly for beneficiaries in fair or poor health. The greatest impact was found for policies that provide first-dollar coverage.
本文研究了补充健康保险政策的拥有情况对老年人医疗服务使用的影响。它使用了一个数据库，该数据库包含来自六个州2000多名受益人的医疗保险理赔数据、他们补充保险政策的实际副本以及详细的调查信息。结果表明，拥有保险政策对服务使用和成本有重大的积极影响，尤其是对健康状况一般或较差的受益人。对于提供全额赔付的保险政策，发现其影响最大。
