McManus M, Brauer M, Weader R, Newacheck P
McManus Health Policy, Inc, Washington, DC.
J Am Coll Health. 1991 Jan;39(4):177-85. doi: 10.1080/07448481.1991.9936231.
This analysis of private health insurance plans offered in 100 four-year colleges and universities in 1988 indicates a tremendous diversity in plan options, benefits covered, cost-sharing requirements, and catastrophic protections. Consistent with relatively low premium prices, most student health insurance plans offer limited benefits and expose students to significant out-of-pocket medical cost liabilities. Only a minority of schools use financial incentives, such as preferred provider arrangements, to integrate their health insurance plans with their university health service system. We conclude that universities should carefully reexamine the adequacy of their health insurance plans and their relationship to student health centers. As more students rely on student health insurance as their only source of coverage, the quality of these plans assumes an even greater importance.
对1988年100所四年制学院和大学所提供的私立医疗保险计划的分析表明，在计划选项、涵盖福利、费用分摊要求和灾难性保障方面存在巨大差异。与相对较低的保费价格相一致，大多数学生医疗保险计划提供的福利有限，使学生面临大量自付医疗费用的责任。只有少数学校利用诸如优选供应商安排等经济激励措施，将其医疗保险计划与大学医疗服务系统整合起来。我们得出结论，大学应仔细重新审视其医疗保险计划的充分性及其与学生健康中心的关系。随着越来越多的学生将学生医疗保险作为唯一的保险来源，这些计划的质量变得更加重要。
