Taube C A, Goldman H H, Burns B J, Kessler L G
Division of Biometry and Applied Sciences, NIMH, Rockville, Md.
Am J Psychiatry. 1988 Jan;145(1):19-24. doi: 10.1176/ajp.145.1.19.
Mental health coverage generally limits benefits for high use, which is assumed to be discretionary. The authors present data from the National Medical Care Utilization and Expenditure Survey. Of the individuals who made mental health outpatient visits in 1980, 9.4% made 25 or more visits and accounted for 50% of mental health visits and expenditures. These high users were compared with low users and with high users of other health care. One-third of the mental health high users were highly disabled and had multiple medical disorders. The authors point out the heterogeneity of this population and suggest that psychiatric benefits be differentiated according to patients' needs and services offered.
心理健康保险通常会限制对高使用量的赔付,因为这被认为是可自由支配的。作者展示了来自国家医疗保健利用与支出调查的数据。在1980年进行过心理健康门诊就诊的个体中,9.4%的人就诊次数达到25次或更多,他们的就诊次数和支出占心理健康就诊及支出的50%。这些高使用量者与低使用量者以及其他医疗保健的高使用量者进行了比较。三分之一的心理健康高使用量者有严重残疾且患有多种疾病。作者指出了这一人群的异质性,并建议根据患者的需求和所提供的服务来区分精神科保险福利。