Roghmann K J, Gavett J W, Sorensen A A, Wells S, Wersinger R
Public Health Rep. 1975 Nov-Dec;90(6):516-27.
Employees joining or not joining three newly marketed prepayment plans were surveyed during the first marketing period and during another open enrollment period 18 months later. In the 1973 survey the respondents were 149 subscribers (family contracts covering 568 persons) to the new plans and 224 nonjoiners (a total of 802 persons in their families)--all employees of Rochester's largest industry. In the 1975 survey the respondents were employees of several companies. They included 326 joiner families (1,101 persons) and 145 nonjoiner families (483 persons). There were no significant differences in previous out-of-pocket health expenditures between joiners and nonjoiners. Their self-reported health ratings did not differ; disability over the last 2 weeks was about the same. Physician utilization rates and inpatient rates were similar, except for the spouses of subscribers to one plan. However, the joiners were younger, had lived in Rochester for a shorter period, and had made less use of physicians in private practice. The three prepayment plans appealed to different population groups. The Network joiners were young, low-income families, mostly from the city. The Group Health joiners were young families with few children who especially valued availability, accessibility, and comprehensiveness. Health Watch joiners were older couples who preferred to use the traditional avenues to health care.
在首个营销期以及18个月后的另一个开放注册期，对加入或未加入三项新推出的预付费计划的员工进行了调查。在1973年的调查中，受访者包括149名新计划的订阅者（涵盖568人的家庭合同）和224名未加入者（其家庭共有802人），他们都是罗切斯特最大行业的员工。在1975年的调查中，受访者是几家公司的员工，包括326个加入计划的家庭（1101人）和145个未加入计划的家庭（483人）。加入者和未加入者之前的自付医疗费用没有显著差异。他们自我报告的健康评级没有差异；过去两周的残疾情况大致相同。除了一项计划的订阅者的配偶外，医生利用率和住院率相似。然而，加入者更年轻，在罗切斯特居住的时间更短，并且较少使用私人执业医生。这三项预付费计划吸引了不同的人群。网络计划的加入者是年轻的低收入家庭，大多来自城市。团体健康计划的加入者是孩子较少的年轻家庭，他们特别看重可及性、便利性和全面性。健康观察计划的加入者是年长的夫妇，他们更喜欢通过传统途径获得医疗保健服务。
