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健康保险公司作为一种引导策略的建议:荷兰一家健康保险公司的自然实验。

Advice from the health insurer as a channelling strategy: a natural experiment at a Dutch health insurance company.

作者信息

Bes Romy E, Curfs Emile C, Groenewegen Peter P, de Jong Judith D

机构信息

NIVEL (Netherlands institute for health services research), Otterstraat 118-124, 3513, CR, Utrecht, The Netherlands.

Open University, Valkenburgerweg 177, 6419, AT, Heerlen, The Netherlands.

出版信息

BMC Health Serv Res. 2018 Nov 6;18(1):832. doi: 10.1186/s12913-018-3624-6.

DOI:10.1186/s12913-018-3624-6
PMID:30400978
原文链接:https://pmc.ncbi.nlm.nih.gov/articles/PMC6219118/
Abstract

BACKGROUND

In a health care system based on managed competition it is important that health insurers are able to channel their enrolees to preferred care providers. However, enrolees are often very negative about financial incentives and any limitations in their choice of care provider. Therefore, a Dutch health insurance company conducted an experiment to study the effectiveness of a new method of channelling their enrolees. This method entails giving enrolees advise on which physiotherapists to choose when they call customer service. Offering this advice as an extra service is supposed to improve service quality ratings. Objective of this study is to evaluate this channelling method on effectiveness and the impact on service quality ratings.

METHODS

In this experiment, one of the health insurer's customer service call teams (pilot team) began advising enrolees on their choice of physiotherapist. Three data sources were used. Firstly, all enrolees who called customer service received an online questionnaire in order to measure their evaluation of the quality of service. Enrolees who were offered advice received a slightly different questionnaire which, in addition, asked about whether they intended to follow the advice they were offered. Multilevel regression analysis was conducted to analyse the difference in service quality ratings between the pilot team and two comparable customer service teams before and after the implementation of the channelling method. Secondly, employees logged each call, registering, if they offered advice, whether the enrolee accepted it, and if so, which care provider was advised. Thirdly, data from the insurance claims were used to see if enrolees visited the recommended physiotherapist.

RESULTS

The results of the questionnaire show that enrolees responded favorably to being offered advice on the choice of physiotherapist. Furthermore, 45% of enrolees who received advice and then went on to visit a care provider, followed the advice. The service quality ratings were higher compared to control groups. However, it could not be determined whether this effect was entirely due to the intervention.

CONCLUSIONS

Channelling enrolees towards preferred care providers by offering advice on their choice of care provider when they call customer service is successful. The effect on service quality seems positive, although a causal relationship could not be determined.

摘要

背景

在基于管理式竞争的医疗保健系统中,健康保险公司能够将其参保人引导至首选的医疗服务提供者至关重要。然而,参保人通常对经济激励措施以及他们选择医疗服务提供者时的任何限制持非常消极的态度。因此,一家荷兰健康保险公司进行了一项实验,以研究一种引导其参保人的新方法的有效性。这种方法要求在参保人致电客户服务时,就选择哪些物理治疗师向他们提供建议。将提供此建议作为一项额外服务,旨在提高服务质量评级。本研究的目的是评估这种引导方法的有效性以及对服务质量评级的影响。

方法

在该实验中,健康保险公司的一个客户服务呼叫团队(试点团队)开始就参保人对物理治疗师的选择提供建议。使用了三个数据源。首先,所有致电客户服务的参保人都收到一份在线问卷,以衡量他们对服务质量的评价。接受建议的参保人收到一份略有不同的问卷,此外,该问卷还询问他们是否打算遵循所提供的建议。在实施引导方法之前和之后,进行了多层次回归分析,以分析试点团队与两个可比客户服务团队之间服务质量评级的差异。其次,员工记录每次通话,记录他们是否提供建议、参保人是否接受建议以及如果接受,建议的是哪家医疗服务提供者。第三,使用保险理赔数据查看参保人是否拜访了推荐的物理治疗师。

结果

问卷结果表明,参保人对就物理治疗师的选择提供建议反应良好。此外,在接受建议并随后拜访医疗服务提供者的参保人中,45%遵循了建议。与对照组相比,服务质量评级更高。然而,无法确定这种效果是否完全归因于干预措施。

结论

当参保人致电客户服务时,通过就他们对医疗服务提供者的选择提供建议,将参保人引导至首选的医疗服务提供者是成功的。对服务质量的影响似乎是积极的,尽管无法确定因果关系。

https://cdn.ncbi.nlm.nih.gov/pmc/blobs/d591/6219118/3acb7daea4dd/12913_2018_3624_Fig3_HTML.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/d591/6219118/079c24a73f7f/12913_2018_3624_Fig1_HTML.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/d591/6219118/73d8dc056cc6/12913_2018_3624_Fig2_HTML.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/d591/6219118/3acb7daea4dd/12913_2018_3624_Fig3_HTML.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/d591/6219118/079c24a73f7f/12913_2018_3624_Fig1_HTML.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/d591/6219118/73d8dc056cc6/12913_2018_3624_Fig2_HTML.jpg
https://cdn.ncbi.nlm.nih.gov/pmc/blobs/d591/6219118/3acb7daea4dd/12913_2018_3624_Fig3_HTML.jpg

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本文引用的文献

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Selective contracting and channelling patients to preferred providers: A scoping review.选择性签约以及将患者引导至首选医疗机构:一项范围综述。
Health Policy. 2017 May;121(5):504-514. doi: 10.1016/j.healthpol.2017.03.008. Epub 2017 Mar 24.
2
Health plan choice in the Netherlands: restrictive health plans preferred by young and healthy individuals.荷兰的健康保险计划选择:年轻健康人群更青睐限制性健康计划。
Health Econ Policy Law. 2017 Jul;12(3):345-362. doi: 10.1017/S1744133116000517. Epub 2017 Mar 14.
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Netherlands: Health System Review.
荷兰:卫生系统综述。
Health Syst Transit. 2016 Mar;18(2):1-240.
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What can Europe learn from the managed care backlash in the United States?欧洲能从美国管理式医疗的强烈抵制中学到什么?
Health Policy. 2016 May;120(5):509-18. doi: 10.1016/j.healthpol.2016.03.010. Epub 2016 Mar 22.
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Acceptance of selective contracting: the role of trust in the health insurer.选择性合同的接受:健康保险公司信任的作用。
BMC Health Serv Res. 2013 Oct 2;13:375. doi: 10.1186/1472-6963-13-375.
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Consumer evaluation of complaint handling in the Dutch health insurance market.消费者对荷兰医疗保险市场投诉处理的评价。
BMC Health Serv Res. 2011 Nov 15;11:310. doi: 10.1186/1472-6963-11-310.
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Preferred providers and the credible commitment problem in health insurance: first experiences with the implementation of managed competition in the Dutch health care system.优先提供者与医疗保险中的可信承诺问题:荷兰医疗体系中实施管理竞争的初步经验。
Health Econ Policy Law. 2011 Apr;6(2):219-35. doi: 10.1017/S1744133110000320. Epub 2010 Dec 2.
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