School of Public Health, University of California, Berkeley, CA, USA.
Health Aff (Millwood). 2010 Nov;29(11):2009-16. doi: 10.1377/hlthaff.2010.0469.
Value-based insurance design programs have focused on reducing consumer cost sharing in health insurance for preventive tests and medications for chronic diseases. But for value-based design principles to have a stronger clinical and economic impact, they should be extended to expensive services and to those for which the evidence is limited or controversial. This paper proposes applying value-based insurance design principles to self-administered and office-administered specialty drugs, implantable medical devices, advanced imaging modalities, and major surgical procedures.
基于价值的保险设计方案侧重于降低医疗保险中预防性检测和慢性病药物的消费者自付费用。但为了使基于价值的设计原则产生更强的临床和经济影响，应将其扩展到昂贵的服务和证据有限或有争议的服务。本文提出将基于价值的保险设计原则应用于自我管理和办公室管理的专科药物、可植入医疗器械、先进的成像方式和重大手术程序。
