Manning W G, Bailit H L, Benjamin B, Newhouse J P
J Am Dent Assoc. 1985 Jun;110(6):895-902. doi: 10.14219/jada.archive.1985.0031.
Using data from a randomized trial in health insurance, this paper examines the effect of cost sharing on use of dental services. The data come from a sample of the nonaged, noninstitutionalized civilian population of six urban and rural sites. We find that: reducing the level of cost sharing increases demand for dental services; and dental expenses rise 46% when the coinsurance rate falls from 95% to 0%, subject to a catastrophic limit on out-of-pocket expenses. Of this increase, two-thirds is attributable to an increase in the likelihood of visiting a dentist during the year. Moreover, there is a substantial surge in demand during the first year of more generous coverage. The first-year response to cost sharing is nearly twice the second-year response.
本文利用一项医疗保险随机试验的数据，研究了费用分担对牙科服务使用的影响。数据来自六个城乡地区非老年、非机构化平民人口的样本。我们发现：降低费用分担水平会增加牙科服务需求；当 coinsurance 率从 95%降至 0%时，牙科费用上升 46%，但需符合自付费用的灾难性限额。在这一增长中，三分之二归因于当年看牙医可能性的增加。此外，在更慷慨的保险覆盖的第一年，需求大幅飙升。对费用分担的第一年反应几乎是第二年反应的两倍。
