Department of Health Care Policy, Harvard Medical School, Boston, Massachusetts, USA.
Health Aff (Millwood). 2010 Mar-Apr;29(3):530-6. doi: 10.1377/hlthaff.2009.0119. Epub 2010 Jan 21.
Value-based insurance design reduces patient copayments to encourage the use of health care services of high clinical value. As employers face constant pressure to control health care costs, this type of coverage has received much attention as a cost-savings device. This paper's examination of one value-based insurance design program found that the program led to reduced use of nondrug health care services, offsetting the costs associated with additional use of drugs encouraged by the program. The findings suggest that value-based insurance design programs do not increase total systemwide medical spending.
基于价值的保险设计通过降低患者自付额来鼓励使用具有高临床价值的医疗服务。随着雇主面临控制医疗成本的持续压力，这种类型的保险作为一种节省成本的手段受到了广泛关注。本文对一个基于价值的保险设计计划的研究发现，该计划导致非药物保健服务的使用减少，抵消了该计划鼓励更多使用药物所带来的相关成本。研究结果表明，基于价值的保险设计计划不会增加整个系统的医疗总支出。
