政策标准化对补充医疗保险市场的影响。

The impact of policy standardization on the Medigap market.

作者信息

Rice T, Graham M L, Fox P D

机构信息

Department of Health Services, School of Public Health, University of California, Los Angeles 90095-1772, USA.

出版信息

Inquiry. 1997 Summer;34(2):106-16.

PMID:9256816

Abstract

This study examines the impact of policy standardization on the market for Medicare supplemental, or "Medigap," policies. Prior to 1992, insurance carriers could sell any benefits they chose, so long as minimum benefit requirements were met. In July 1992, federal legislation was implemented that required all new Medigap policies to conform exactly to one of 10 standardized sets of benefits. Using pre- and post-standardized policy information from six states, this study analyzes the impact of this legislation. Overall, standardization has affected the market positively, and as a result, consumers are better able to make informed choices about the benefits they are purchasing.

摘要

本研究考察了政策标准化对医疗保险补充险（即“医保补充险”）市场的影响。1992年之前，只要满足最低福利要求，保险公司可以销售任何他们选择的福利项目。1992年7月，联邦立法实施，要求所有新的医保补充险政策必须严格符合10套标准化福利套餐中的一套。本研究利用来自六个州的标准化前后的政策信息，分析了该立法的影响。总体而言，标准化对市场产生了积极影响，因此，消费者能够更好地就他们所购买的福利做出明智的选择。