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[Health and social insurance in Nordic countries].

BACKGROUND: There is no previous comparative review available of Nordic social insurance schemes for sickness benefits, rehabilitation allowance and disability pensions. METHODS: Based on existing publications, a Nordic expert group in social insurance and insurance medicine has compared important aspects of the Nordic schemes. RESULTS: The Nordic sickness benefit schemes have many similarities, but differ considerably in degree of compensation, with 100% coverage of salary in Denmark and Norway and less coverage in the other three countries. The length of the self certification period varies from 1 to 14 days. Longer sickness absence have to be certified by a doctor, usually the family physician. To counteract the increasing costs for sickness benefits, the follow-up of sick-listed persons is being intensified. Efforts are also directed towards earlier and more extensive medical and vocational rehabilitation. So far these efforts have had only marginal effect on sickness absence and disability pensioning. INTERPRETATION: Basic needs for social security are still met by public insurance schemes in all Nordic countries. Private insurance schemes complement these to varying extent.

Denmark↗

[Competence sharing between health insurance and medical service].

The borderlines between the areas of competence of the German compulsory health insurance authorities and their Medical Service can be drawn as follows: 1. The German compulsory health insurance body is legally obliged to clarify the facts concerning a patient and his illness. It is therefore imperative for the health insurance body to prepare the ground in each individual case in such a manner that the case in question can be entrusted to a doctor called upon to write an expertise, but the final decision in respect of the insurance coverage rests exclusively with the health insurance body. 2. The Medical Service system is component for helping to find the fact that must be known before the administrative procedure to arrive at a decision is initiated. The expertise given by the Medical Service is a decision help invaluably important on the grounds of specialist knowledge, knowledge of facts and experience gathered from medical practice. Wherever the borderlines of such competencies are overstepped, there is a risk of errors occurring in the expertise and in the administrative decisions based thereon. Such sources of error can be eliminated only if both parties know and accept their limitations and also do not expect the other side to cross these boundaries.

Disability Evaluation↗

[Willingness to share costs of health insurance].

The purpose of this investigation, undertaken in 1988, was to find out citizens' willingness to share the costs of health insurance in metropolitan Taipei. The individuals sampled were from three groups: government employee insurer GEI, Labor insurer LI, and others OT. A stratified random sampling method and a closed-format questionnaire were used in this study. A total of 300 samples were taken from GEI, 500 form LI and 300 from OT. The total number of effective questionnaires were 1065. The questionnaire had 8 parts including individual basic data, consciousness of self health conditions, knowledge of LI, knowledge of GEI, degree of satisfaction with medical services, medical care utilization, willingness of health insurance, and willingness to share costs. The results showed that most people pay, most respondents would only be willing to pay a limited amount. The different factors positively influencing a willingness to cost share were level of education, average income and knowledge of health insurance, while the degree of satisfaction towards medical services was a negative influence. Since the public is not yet willing to accept a cost-sharing system, this study was of limited value in trying to find out the explanatory or predicting factors. Nevertheless, because of the negative reactions of respondents, we are obliged to more carefully and circumspectly rethink the implementation of a cost-sharing system.

Consumer Behavior↗

Children with special health care needs enrolled in the State Children's Health Insurance Program (SCHIP): patient characteristics and health care needs.

BACKGROUND: Children with special health care needs (CSHCN) often require more extensive services than children without special needs. The State Children's Health Insurance Program (SCHIP) in many states typically provides less extensive benefits and services than do state Medicaid programs. To design SCHIP to address the needs of CSHCN adequately, it is important to measure the degree to which children who enroll in SCHIP have special health care needs and to assess their health status and unmet health care needs. Little is known about the characteristics or preenrollment experience of CSHCN who enroll in SCHIP. OBJECTIVES: To use data from the Child Health Insurance Research Initiative to measure the prevalence of CSHCN in SCHIP in 4 states, describe their demographic and health care features at enrollment, and compare their sociodemographic characteristics, health status, prior health care experiences, and unmet needs versus children without special health care needs. METHODS: Children (0-18 years old) newly enrolled in SCHIP in 4 states were eligible for the study: New York, Florida (adolescents only), Kansas, and Indiana (CSHCN only). Telephone interviews were conducted shortly after enrollment and identified CSHCN by using the Child and Adolescent Health Measurement Initiative CSHCN screener. A common set of core questions assessed demographic characteristics, health status, special health care need status, insurance experience, access, use, quality of health care, and unmet needs during the year before enrollment. Bivariate and multivariate analyses were used to compare characteristics of CSHCN with characteristics of children without special needs. RESULTS: Interviews were completed for parents of 5296 children enrolled in SCHIP in the 4 states. By using the Child and Adolescent Health Measurement Initiative CSHCN screener, the prevalence of CSHCN among SCHIP enrollees was 17% (New York), 18% (Florida), and 25% (Kansas), higher than the prevalence of CSHCN reported in the general population in those states. More than half of CSHCN reported the use of a chronic medication. Demographic characteristics of CSHCN were similar to those of children without special needs, although CSHCN were more likely to reside in single-parent households. Although CSHCN had poorer health status than children without special needs, many CSHCN were reported to be in good health, suggesting a wide spectrum of severity of illnesses within the CSHCN group. Although CSHCN were more likely than children without special needs to have been insured before SCHIP, a large proportion of CSHCN were nevertheless uninsured for at least 12 months before SCHIP (New York, 56%; Florida, 68%; Kansas, 24%; Indiana, 25%). Although most SCHIP enrollees had a usual source of care (USC) before SCHIP and there was some variation across states, between 4% and 13% of CSHCN lacked a USC on enrollment, and 23% to 38% of CSHCN changed their USC after enrollment in SCHIP. The majority of all SCHIP enrollees (including CSHCN) had used some health care during the year before SCHIP including preventive, acute, or specialty care. A high proportion of all SCHIP enrollees, including >30% to 40% of CSHCN, were reported to have unmet health care needs at enrollment in SCHIP. A variety of unmet needs were reported by CSHCN including specialty care, mental health care, dental care, and prescription medications. Nevertheless, the vast majority of CSHCN as well as children without special needs rated the quality of their medical care before SCHIP highly on several specific quality measures. Findings from multivariate analyses were similar to bivariate results with CSHCN in several states having higher use of care and more unmet health care needs before enrollment. CONCLUSIONS: SCHIP is enrolling many CSHCN, with the prevalence of these children occurring at least as high as the prevalence of CSHCN in the general population. CSHCN enrolled in SCHIP represent a heterogeneous population with a wide range of health status and health care needs. Although most CSHCN were already already connected to the health care system with a USC and prior health care visits, many had unmet health care needs before enrolling in SCHIP. IMPLICATIONS FOR MONITORING AND IMPROVING SCHIP FOR CSHCN ENROLLEES: 1) SCHIP benefit packages need to adequately cover services required by CSHCN such as prescription medications and specialty, mental health, developmental, and home services; 2) because utilization of care will be high among this large group of children, alternative methods of financing and managing care should be considered such as risk adjustment and special programs that involve case management and care coordination; 3) coordination of care across programs (such as between SCHIP and the state Title V Maternal and Child Health Services program, a component of which serves CSHCN) and ensuring adequate access to primary care and specialty providers might improve access to services for CSHCN; and 4) it is critical to monitor the quality of care for CSHCN enrolled in SCHIP, because these children are among the most vulnerable children covered by public health insurance programs and many of them are enrolling in SCHIP.

Adolescent↗

Relationships between serum lipids and subsequent mortality in an insured population.

OBJECTIVES: To investigate relationships between serum lipids and all-cause mortality in an insured population issued policies at standard rates using contemporary analytic techniques. BACKGROUND: As with other preferred risk factors, differences in lipid profiles can be an important contributor to morbidity and mortality endpoints in the general and insured population. To better understand the independent contribution of different lipid profiles to mortality, contemporary researchers commonly employ multivariate statistical techniques. Studies on insured populations utilizing multivariate statistical procedures are not commonly published and are employed in this study of an insured cohort. METHODS: We studied internal data on direct and reinsurance business issued at standard rates, or rated only for abnormal lipids, between 1975 and 2000 followed through anniversaries in 2001, or prior termination, with an average duration of 6 years per policy. Cox proportional hazards models were used to study the multivariate relationship between various lipid values (cholesterol, cholesterol/HDL ratio, triglycerides) and mortality. RESULTS: Five hundred twenty deaths were observed during follow-up. Mortality was noted to vary by differing levels of all 3 of the predictor variables of interest. The relationship between an abnormal lipid profile and mortality was strongest in males and nonsmokers. CONCLUSIONS: In this insured cohort, changes in lipid profiles are associated with significant differentials in mortality.

Actuarial Analysis↗

Study of policies on insured lives with elevated blood pressure known at time of issue.

BACKGROUND: The mortality results of policies on insured lives with elevated blood pressure have been the subject of several studies since the early 20th century. This study, which began with issues of 1989, utilizes data from the Impairment Study Capture System (ISCS). Data are also compiled for impairments other than elevated blood pressure in the ISCS for the same study period. A comparison of these 2 sets of data shows the relative severity of elevated blood pressure compared to all other impairments combined. The determination of elevated blood pressure was made on the basis of risk classification due to lack of specific blood pressure readings. METHODS: Mortality results are actual to expected ratios based on the SOA 1990-95 Select Basic Table. The companies participating in this study have completed 3 steps: (1) agreement to have individual reports to the MIB included in the ISCS file; (2) submission of additional policy information, not on the MIB report; and (3) update of in-force status annually. Reports do not include personal identifying information. RESULTS: Based on the limited amount of data contributed by relatively few companies, there has been considerable improvement since earlier studies in mortality among insureds with elevated blood pressure. Some possible reasons for this include: (1) fewer smokers--there were fewer smokers in the population and hence applying for insurance during the period covered by this study as compared to earlier studies; (2) improved treatment, patient awareness and adherence to regimen--a wider variety of medications and current treatment practices compared to treatment in the 1970s and early 1980s may have influenced results. Compared to prior studies, it is likely that more insureds with elevated blood pressure first noted on the insurance examination subsequently have received treatment. In addition, those with elevated blood pressure have become more aware of the importance of adhering to their medication regimen and improving other adverse risk factors; (3) improvement in the treatment of related medical conditions. CONCLUSION: The results of this study must be interpreted with caution. The volume of data is not substantial, and the results may not be representative of non-contributing companies. Going forward, it is hoped that more companies will agree to participate such that future studies will produce data and results of greater utility.

Actuarial Analysis↗

[The medical and insurance technical part of expert assessment].

The expert's demands careful exploration including consideration of psychological factors. Furthermore, to establish their final reports the insurance companies involved need detailed answers to specific questions in regard to the impairment. The medical expert finds himself in an area of conflict between doctor-patient relationship (which requires mutual trust) and his duty as an expert. His task will be made easier if he clearly separates the first part of his report dealing with the medical aspects from the second part referring to the more technical problems of the insurer. It is only after clarification of the medical situation that the questions relating to the insurance as such can be clearly answered. Factors which do not seem to relate directly to the medical aspects of the accidental sequels (e.g. psychosomatic), but which the Swiss Insurance Court does take more and more into account, may be mentioned, however, their evaluation is best left to the insurance company which ordered the expert's report.

Disability Evaluation↗

Consumers' use of the Internet for health insurance.

OBJECTIVES: We examined consumers' search for information about health insurance choices and their use of the Internet for that search and to manage health benefits. STUDY DESIGN: We surveyed a random sample of more than 4500 individuals aged 21 years and older who were members of a survey research panel during December 2001 and January 2002. METHODS: The survey included questions about searching for health insurance information in 3 health insurance markets: Medicare, individual or nongroup, and employer-sponsored group. We also asked questions about use of the Internet to manage health benefits. We tabulated means of responses to each question by market and tested for independence across demographic groups using the Pearson chi-square test. RESULTS: We identified important differences across and within markets in the extent to which people look for information about health insurance alternatives and the role of the Internet in their search. Although many individuals were unaware of whether their employer or health plan provided a website to manage health benefits, those who used the sites generally evaluated them favorably. CONCLUSIONS: Our results suggest that the Internet is an important source of health insurance information, particularly for individuals purchasing coverage individually in the nongroup and Medicare markets relative to those obtaining coverage from an employer. In the case of Medicare coverage, studies focusing on beneficiaries' use of Internet resources may underestimate the Internet's importance by neglecting caregivers who use the Internet. Many individuals may be unaware of the valuable resources available through employers or health plans.

Adult↗

Multiple sources of Medicare supplementary insurance.

Estimates from the National Medical Expenditure Survey imply that in 1987 only two-thirds of elderly Medicare beneficiaries held the amount and type of insurance that is generally recommended to supplement Medicare, namely, 57.7% with private hospital/medical insurance from one source and 6.6% with only Medicaid. Of the remainder, 19.8% had more than one source of private insurance; slightly more than 1% had one source of extra-cash or disease-specific insurance as their only supplementary coverage; and 12.9% had no supplementary coverage at all. In addition, more than 500,000 Medicaid enrollees had purchased private insurance, despite the comprehensive coverage offered by Medicaid. Although the issue of multiple coverage has been dramatized by stories of poor, very elderly persons who have purchased numerous Medigap plans, beneficiaries who purchase coverage from more than one source are likely to be relatively young, more highly educated, and financially better off.

Age Factors↗

Health insurance for Hispanic and other children: access to care.

National surveys demonstrate an increased proportion of children with health insurance coverage. Much of this rise is a reflection of increases in public insurance arrangements. Nevertheless, in the early 2000s, millions of children, particularly Hispanic children, continued to lack health insurance. There were marked differences in coverage rates between different Hispanic subgroups, with 34% of Mexican American children, compared to 10% of Cuban American children, lacking insurance. The purpose of this case report was to show that the absence of insurance coverage is associated with limited access to care.

Adolescent↗

[Physical and psychological predictors for the onset of certification of long-term care insurance among older adults living independently in a community a 40-month follow-up study].

OBJECTIVE: To ascertain predictors for the onset of different levels of certification of long-term care insurance among older adults living independently in a community. METHODS: Out of all residents aged 65 years and over living in Yoita town, Niigata prefecture, Japan (n = 1,673), 1,544 persons participated in the baseline interview survey in 2000 (response rate, 92.3%). Among these participants, 1,229 persons (79.6% of responders) were ranked as level 1, based on the hierarchical mobility level classification. They were followed up for the subsequent 3 years and 4 months to see whether they continued without certification of long-term care insurance or suffered onset of a "mild level", certified as levels "needing support" and 1 for long-term care insurance, or a "severe level" as 2-5. The Cox proportional hazards model with a stepwise method was used to identify the most parsimonious combination of predictors for each type of long-term care insurance certification. RESULTS: Of those who were followed up, 1,151 persons showed no disability in basic activities of daily living (ADL) at baseline nor died before application for long-term care during the follow-up and thus served for analysis. 1,055 persons (91.7%) remained as "no event", but 49 (4.3%) and 47 persons (4.1%) had onset of the "mild level" and the "severe level" during the follow-up, respectively. The final model for prediction of the "mild level" in both genders included advanced age and poor walking ability (hazard ratio (HR) for either unable or with difficulty: 7.22[95% CI, 1.56-33.52] in males and both unable and with difficulty: 3.28[95% CI, 1.28-8.42] in females). The final model for prediction of the "severe level" in both genders included advanced age and poor instrumental ADL (HR for < or = 4 marks: 3.74[95% CI, 1.59-8.76] in males and 3.90[95% CI, 1.32-11.54] in females). Severe cognitive decline was a predictor only for the "severe level" in males. A history of hospitalization during past 1 year and poor chewing ability were predictive only for the "mild level" in females. CONCLUSIONS: Among older adults living independently in a community, most predictors for subsequent onset of mild level-certification of long-term care insurance, except for advanced age, may be controlled by preventive strategies. Evaluating effectiveness of programs for this purpose warrants further study.

Activities of Daily Living↗

Cardiovascular risk factors, BMI and mortality in a cohort of Swiss males (1976-2001) with high-sum-assured life insurance cover.

BACKGROUND: This long-term study investigates the influence of body mass index, blood pressure, smoking habits, impaired glucose metabolism and history of any disease on the mortality of Swiss males holding life insurance cover with high sums assured. METHODS: In a prospective study (1976-2001) including 22,927 Swiss insured males holding life insurance cover with high sums assured, the prevalence of overweight and obesity was compared with data from the general population. The relationship between BMI and all-cause mortality was assessed using a Cox proportional hazard model adjusted for age and calendar year, thereby controlling for mortality improvement over time. Multivariable models were used to investigate the impact of multiple cardiovascular risk factors on all-cause and cardiovascular mortality. The evolution of hazard ratios was assessed by dividing the observation period into two periods (1976-1985 vs 1986-2001). RESULTS: The prevalence of overweight was 35.7% and of obesity 6.2%. The prevalence of both increased over time. The association between BMI and all-cause mortality showed a 'U'-shaped curve with the nadir at 22.0-23.9 kg/m2. Compared with this optimal range, a relative risk of 1.76 (CI 95%: 1.17-2.67) was found for a BMI in the range of 30.0-31.9 kg/m2, representing the lowest category of obese subjects. In the multivariable model, obese subjects had a hazard ratio of 1.76 (CI 95%: 1.34-2.30) compared against those with normal BMI. The hazard ratios for all-cause mortality associated with prehypertension, stage 1 and stage 2 hypertension were 1.58, 2.28 and 3.14, respectively, all of them being statistically significant. The results for cardiovascular mortality were more pronounced, however, with wider confidence intervals. Comparing the two observational periods, the hazard ratios for obese vs non-obese subjects were 1.57 (CI 95%: 1.08 to 2.28) in period 1 and 2.41 (CI 95%: 1.71-3.39) in period 2. Similarly, the hazard ratio for combined stages 1 and 2 hypertension vs the other categories of JNC7 were 1.52 (CI 95%: 1.15-2.01) and 1.96 (CI 95%: 1.49-2.58) for periods 1 and 2, respectively. CONCLUSIONS: In this cohort of Swiss insured males holding life insurance cover with high sums assured, prevalence trends of elevated BMI are similar to those in the general population. The relative mortality risks associated with cardiovascular risk factors are higher than in the general population and, in the case of elevated BMI and high blood pressure, might exhibit an increase over time.

Actuarial Analysis↗

Employer-sponsored insurance coverage of smoking cessation treatments.

OBJECTIVE: To investigate the costs and benefits of covering smoking cessation interventions from insurers' and employers' perspectives. STUDY DESIGN: A Monte Carlo model was used to simulate smoking status and health expenditures in a hypothetical population of employees over a period of 20 years. METHODS: Population characteristics were drawn from the 1997-2002 National Health Interview surveys. Multivariate regressions using a number of publicly available datasets from 1996-2002 generated transition probabilities for the simulation. The costs and benefits of scenarios where smoking cessation treatments were covered were compared with a scenario where none were covered. Sensitivity to parameter estimates was evaluated. RESULTS: By the final simulation year, insurers had benefit-cost ratios of 0.56 to 1.67 with per member per month costs of -$0.22 to $0.43. The earliest year at which savings were achieved for insurers was year 8. Employers saw benefit-cost ratios of 1.88 to 5.58 by the final simulation year with per member per month costs of -$1.23 to -$0.15. Employers achieved savings as early as year 3 and as late as year 8. Models were sensitive to the rate at which population members were assumed to exit the insurer or employer. CONCLUSION: Both insurers and employers may add smoking cessation benefits at minimal burden to their members and with potential savings, particularly where the population of interest is relatively stable.

Adolescent↗

The marginal effect of bond insurance on hospital, tax-exempt bond yields.

In response to changes in the health care environment and the tax-exempt bond market, many hospitals have purchased bond insurance and other forms of credit enhancement to lower the yields on their debt financings. This study of tax-exempt revenue bonds issued by hospitals from 1982-84 estimates that bond insurance lowers yields on hospital bonds by approximately 87 basis points and that bond insurance serves as a substitute measure of creditworthiness. The findings also suggest that the insured group of hospital bonds is more homogeneous than the uninsured group in terms of characteristics that affect the risks associated with hospital investments. Insured bonds seem to represent hospitals in an intermediate risk group.

Capital Financing↗

[Physicians and the National Insurance System].

The National Insurance Scheme will spend more than the half of its budget for 1989 for purposes linked to activities performed by (medical) doctors. The scheme transfers NOK 25 billion to cover health services. Additionally, an amount of more than NOK 30 billion is spent on cash benefits related to sickness, rehabilitation and permanent disability. This article focuses on the importance the Norwegian doctor attaches to the assignment of benefits under the National Insurance Scheme. The purpose is not to promote a campaign in order to save money on behalf of the National Insurance Scheme, but to promote a more common attitude among doctors concerning their relation to social insurance and the information they provide. The article presents points of view expressing the possibility of too low consumption as well as too high consumption of benefits. Some of this may be compensated by doctors being more aware of the consequences of their activities for the National Insurance Scheme, and for the patient.

Health Services Needs and Demand↗

Health insurance status of adolescents in the United States.

This analysis of a sample of 15,181 adolescents aged 10 to 18 years from the National Health Interview Survey indicates that 86% of adolescents had some form of private or public health care coverage during 1984. Nevertheless, one in every seven adolescents, or nearly 4.5 million nationwide, were without any form of health insurance coverage. Adolescents without insurance coverage were concentrated in poor and near-poor households, families with little formal education, and were more likely to live in the South or West. Minorities, especially Hispanic adolescents, were less likely than white adolescents to have some form of health insurance coverage, but much of this difference was attributable to the smaller incomes of minorities. Similarly, although adolescents living in single-parent households were less likely to be insured, the reduced likelihood of coverage appears to be primarily attributable to smaller family income in single-parent households. That family economics plays a central role in determining whether an adolescent had some form of coverage was confirmed by interview results concerning the major reasons for absence of coverage; 8 of 10 uninsured families cited economic reasons for absence of coverage. Together, these results indicate the principal barriers to obtaining health insurance are economic in nature. Public and private sector initiatives for reducing the size of the uninsured adolescent population are discussed.

Adolescent↗

The dynamics of health insurance loss: a tale of two cohorts.

Past research has characterized the uninsured population in fairly static terms. Little is known about the transition between insured and uninsured states, the length of time persons remain uninsured, the existence of multiple spells of health insurance loss, and the extent to which uninsured persons subsequently acquire private or public coverage. In this paper we examine these dynamic aspects of health insurance coverage for cohorts of privately insured and uninsured persons over a 32-month period. The uninsured population was found to be quite heterogeneous, consisting of many persons who lost coverage for relatively short periods of time, others who were periodically without insurance, and many who were persistently uninsured. Implications for public policy initiatives for the uninsured population are also discussed.

Adolescent↗

Reverse targeting of preventive care due to lack of health insurance.

We analyzed patterns of receipt of preventive services among middle-aged women, with particular attention to health insurance coverage, based on data from the National Health Interview Survey. Lack of insurance was most prevalent among socioeconomically disadvantaged women at high risk for disease and was the strongest predictor of failure to receive screening tests. The relative risk of inadequate screening for uninsured compared with insured women was 1.60 (95% confidence interval [Cl], 1.40 to 1.83) for blood pressure checkups, 1.55 (95% Cl, 1.43 to 1.68) for cervical smears, 1.52 (95% Cl, 1.41 to 1.63) for glaucoma testing, and 1.42 (95% Cl, 1.33 to 1.51) for clinical breast examination. Controlling for demographic and health status variables did not diminish the effect of insurance coverage. We conclude that inadequate insurance coverage leads to "reverse targeting" of preventive care--that is, populations at highest risk are least likely to be screened. This compromises both the effectiveness and the cost-effectiveness of screening.

Black or African American↗