DePorter D J, Marcus M, Jacobson J J
UCLA School of Dentistry 90024-1668.
J Dent Educ. 1988 Nov;52(11):605-8.
As competition among insurance companies for increased market share intensifies, dental plans designed for new markets have begun to appear. One such plan is marketed to individuals not eligible for group plans. The purpose of this study was to determine if differences in potential treatment costs exist between patients enrolling in individual-targeted plans and those in group-based plans. The cost of treatment plans to eliminate dental disease and replace missing teeth whenever possible and/or practical was calculated for 119 patient pairs from both types of plans. Individually targeted patients had significantly higher levels of potential treatment costs, which were due primarily to significantly greater needs for operative, periodontal surgery, and endodontic services. These findings are important to insurance companies in designing plans that are both equitable and attractive to consumers and potential providers of care, who must weigh their costs of providing care against anticipated revenues.
随着保险公司之间为增加市场份额而展开的竞争日益激烈，针对新市场设计的牙科保险计划开始出现。其中一种计划面向不符合团体保险计划资格的个人进行销售。本研究的目的是确定参加针对个人的保险计划的患者与参加团体保险计划的患者在潜在治疗费用上是否存在差异。针对这两种保险计划中的119对患者，计算了尽可能消除牙病和替换缺失牙齿的治疗计划成本。针对个人的患者潜在治疗成本水平显著更高，这主要是由于他们对手术、牙周手术和牙髓治疗服务的需求显著更大。这些发现对于保险公司设计对消费者和潜在医疗服务提供者既公平又有吸引力的保险计划非常重要，因为医疗服务提供者必须权衡其提供医疗服务的成本与预期收入。
