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Biomedical subjects

R R Bovbjerg

Publications and source records attributed to R R Bovbjerg.

At least 37 records · Page 2Linked to original sources
PubMed1990

Effects of tort reforms and other factors on medical malpractice insurance premiums.

We use state-level data on physician malpractice premiums, claims, and awards, provided by insurance companies for the years 1974 to 1986, to evaluate the effectiveness of the various tort reforms that have been legislated during the 1970s and 1980s. In addition to the tort reforms, our analysis of premiums considers insurers' anticipated losses, returns on investments, the type of insurer, and premium regulation. Our results suggest that the only reforms that significantly lower premiums are those that either impose a cap on the amount of physician liability or reduce the amount of time a plaintiff has to initiate a claim. We also find that premiums are lower when states regulate rates by requiring prior approval of premiums. In addition, it appears that the observed cyclicality in premiums is due, in part, to fluctuations in the real interest rates available to insurers as returns on investments. Unfortunately, we did not find as strong a link between the determinants of premiums, claims, and awards as might be expected.

Fees and Charges↗
PubMed1989

Medical malpractice experience of physicians. Predictable or haphazard?

This study uses a large malpractice database from Florida to assess the concentration of losses among physicians, predictability of claims experience, characteristics of physicians with favorable vs unfavorable experience, and effects of claims experience on physicians' practice decisions and on actions taken by the state's licensing board. Most payments by insurers involved a comparatively small number of physicians. Physicians with relatively prestigious credentials had no better, and on some indicators, worse claims experience. If anything, physicians with adverse claims experience were less likely to make subsequent changes in their practice, such as quitting practice or moving to another state. Physicians with very poor claims histories were more likely to have complaints filed against them with the Florida licensing board, but the sanctions against physicians with either poor or excellent histories were not severe. Physicians with adverse claims experience from incidents that arose between 1975 and 1980 had appreciably worse claims experience from incidents that arose during 1981 to 1983.

Anesthesiology↗
PubMed1989

Here are (almost all) the data: the evolution of the US Renal Data System.

The US Renal Data System was established in May 1988 by implementation of a contract with the Urban Institute in Washington, DC, by the National Institute of Diabetes and Digestive and Kidney Diseases. Over the last 16 years, since implementation of the Medicare End-Stage Renal Disease Program, the United States has lacked a comprehensive renal data system analogous to those available in Europe, Canada, and Australia and New Zealand. This essay reviews the history of the development of end-stage renal disease data collection activities and registries in the United States and discusses some of the problems and lessons learned, together with the anticipated objectives of the US Renal Data System.

Centers for Medicare and Medicaid Services, U.S.↗
PubMed1989

Effects of tort reforms on the value of closed medical malpractice claims: a microanalysis.

Tort reforms enacted by state legislatures mainly seek to reduce the rate of increase in medical malpractice insurance premiums and other costs of the professional liability system, such as "defensive medicine." We examine the effects tort reforms enacted during the 1970s have had on the probability that a claim will be paid, the amount of payment, and the speed with which the claim is resolved. Claims frequency is not used as a variable in this analysis, but findings from other studies pertaining to frequency are noted. This study uses two closed claims databases--one from the National Association of Insurance Commissioners, and one from the U.S. General Accounting Office. We merged the two data sets for purposes of this analysis. The observational unit was the individual claim. Data on tort reforms came from our own analysis of statutory changes by state. Dollar ceilings on recoveries ("caps") are shown to be the strongest reforms in terms of their impact on paid claim size. Most caps limit recovery for noneconomic loss, though some limit dollar awards. Other reforms that reduced payments per claim were costs awardable provisions and mandatory collateral offsets.

Insurance, Liability↗
PubMed1988

Access to kidney transplantation. Has the United States eliminated income and racial differences?

We analyzed the effect of patient and dialysis unit characteristics on access to kidney transplantation using several different approaches, including an analysis of individual patient data from a systematic random sample of 2900 new dialysis patients from each year 1981 to 1985 (14721 patients total). Additional analyses focused on the composition of transplant waiting lists and aggregate data from a 1984 census of 1133 dialysis and transplant units. White, male, young, nondiabetic, high-income patients treated in smaller units are more likely to receive a cadaver transplant under Medicare than are other kidney patients. Profit status of the dialysis unit was not found to be correlated to access to transplantation, although size of the unit may be correlated to access. Future analysis should focus on whether patient access has been inappropriately compromised. Possible factors unexplored in this analysis include differential patient preferences and medical suitability, as well as differential medical access.

Adult↗
PubMed1987

Privatization and bidding in the health-care sector.

Public provision of health care, as under Medicare and Medicaid, traditionally "privatized" major production decisions. Providers of care, largely private physicians and hospitals (but also public hospitals), made significant decisions about public beneficiaries' access to care, the quality and quantity of individual services, and the prices to be paid. The result was high access and quality/quantity, but also high program spending, which has prompted a reassertion of public budgetary control. Newly activist program administration is using various mechanisms to promote economizing. Unable and unwilling to specify standards of public access or quality/quantity too overtly, administration instead seeks to squeeze prices--mainly through administrative price setting but also through competitive bidding and voucherlike arrangements. Under such new incentives, major choices that in many non-American systems would be public are here "reprivatized" to be resolved out of the limelight by beneficiaries, traditional providers, or new intermediaries like Competitive Medical Plans.

Competitive Bidding↗
PubMed1987

Provider-patient relations and treatment choice in the era of fiscal incentives: the case of the end-stage renal disease program.

Debates about the extent to which patients can and should participate in medical decision making take on new urgency as cost-containment efforts give patients more financial incentives. The Health Care Financing Administration's recent proposal to enable dialysis patients to "price shop" aroused consternation among nephrologists. A working seminar elucidated their fears about professional incomes and about increased patient autonomy.

Centers for Medicare and Medicaid Services, U.S.↗
PubMed1986

State health insurance pools: current performance, future prospects.

State health insurance pools have been suggested to help cover the uninsured. Their attraction lies in the theoretical economies of pooling and the limited public role intended for their administration and funding. Almost all existing pools have targeted high health risks, otherwise uninsurable people who can still afford high premiums for conventional, major-medical-style coverage. Enrollments have been low, even relative to the small eligible population, and medical spending high. Little risk pooling or other savings seem to have occurred. Deficits have therefore mounted, necessitating increased assessments on all private health insurers in pool states and indirectly burdening state treasuries as well. Better pools would have to attract a broader mix of risks, actively manage medical spending, or both.

Adult↗
PubMed1986

Insuring the uninsured through private action: ideas and initiatives.

The growing issue of health coverage for the uninsured has no single solution, but private initiatives hold promise for some alleviation. The keys to increasing coverage are: more insurance pooling (to share risk and management); different insurance products, especially ones featuring better spending controls (to be attractive yet affordable at the low end of the market); and subsidy plus information (to encourage voluntary enrollment). Lack of insurance is not a problem for employees in large workplaces because relatively low prices and high incomes, as well as employer and tax code paternalism, assure coverage to almost 100% of workers in large groups. People on their own or in small groups, as well as increasing numbers of dependents of workers in large groups, are significantly disadvantaged in comparison. Considerable progress should be possible privately, but no one should expect large improvements without more cultural change or social intervention.

Blue Cross Blue Shield Insurance Plans↗