Search PubMed⌕ Search

SEARCH · Search PubMed

Results for “Insurance”

Search indexed PubMed citations on genomics, clinical trials, systematic reviews and public health. Explore titles, authors and supplied subject terms, then open the PubMed record.

Quote a phrase for an exact phrase match. Source license links do not imply unrestricted reuse.

At least 1,693 records · Page 94Linked to original sources

The economics of health insurance plan design.

In developing insurance products, health insurers have often failed to incorporate member-level economic decision making into the underlying plan design. Instead, health insurers have either completely isolated members from economic choices within a restricted network or simply shifted costs without providing members with an opportunity to more efficiently purchase health care services. In either approach, the plan designs do not provide members with a rational economic framework to make efficient health care purchases. In order to analyze the economic framework in traditional plan designs, this article first outlines the characteristics of an efficient economic transaction and then compares these characteristics with traditional insurance plans. The article concludes by suggesting new plan designs that achieve more economically efficient outcomes through the application of episode of care technology.

Decision Making↗

Prevalence of diabetes and patterns of health services utilization: a comparative analysis between a private and a health reform group of insured, 1997-1998.

OBJECTIVE: To compare the prevalence and health services utilization patterns of diabetes mellitus in a group of insured under the Puerto Rico Health Reform Act and the private sector of the same insurance company. METHODS: The medical claims of the public sector insured whose main diagnosis was diabetes mellitus (ICD9-250.0-9) were selected for analysis. Prevalence and medical utilization rates were estimated. General characteristics and services utilization were compared by age and sex using the chi-square distribution. RESULTS: A total of 38,139 diabetic cases were identified during the study period. Overall prevalence was 6.23% (95% CI: 6.17%-6.29%); 5.22% among males (95% CI: 5.14-5.30) and 7.09% among females (95% CI: 7.00%-7.18%). The proportion of cases was larger in persons aged 65 years or more (60.3%) and females (61.6%). Overall, 84.7% of insured diabetics had medical office visits, while 7.8% had emergency room services and 1.3% had hospital admissions. Female cases had more physician office visits (62%) and insulin prescriptions (65%) compared to males (p < 0.05). The most reported complication was cerebrovascular accident (4.4%). The prevalence of diabetes was higher in the public sector (6.23%) when compared to the private sector (4.73%) (p < 0.01). The mean number of oral hypoglycemic (32.77 +/- 0.40) and insulin (40.99 +/- 0.54) prescriptions were higher in the public sector (p < 0.01). Emergency room utilization rate was larger among males in the younger age groups of the private sector. However, hospital admissions were larger in both sexes of the younger age group of the public sector when compared with the private sector. CONCLUSIONS: A higher prevalence of diabetes and mean service utilization was observed in the public sector. An in-depth analysis of the health care of patients with diabetes in the public sector is needed.

Adult↗

The new public long-term care insurance system and feeling of burden among caregivers of the frail elderly in rural Japan.

The present study was conducted to investigate the factors related to the feelings of burden (i.e., stress) among caregivers of the frail elderly in rural Japan after the introduction of the new public long-term care insurance system in 2000. Forty-one out of 42 caregivers answered a self-administered questionnaire (i.e., the Japanese version of the Zarit Caregiver Burden Interview (ZBI)) regarding their caregiving situation. Compared with lightly burdened caregivers (n = 20; ZBI > or = 41), those heavily burdened (n = 21; ZBI < or = 40) attended the frail elderly with greater numbers of behavioral disturbances (2.2 +/- 2.6 vs. 0.6 +/- 1.0, p = 0.02) and those with dementia (60.9% vs. 39.1%, p = 0.08). Heavily burdened caregivers spent a longer time with the elderly (17.9 +/- 6.1 hours vs. 11.8 +/- 8.4 hours, p = 0.01) as well as in providing for their physically care (14.0 +/- 7.9 hours vs. 8.6 +/- 8.2 hours, p = 0.04), thus having less time to go out unaccompanied by their patients (1.1 +/- 1.6 hours vs. 2.4 +/- 2.3 hours, p = 0.04). Such caregivers tended to be depressed (70.0% vs. 42.9%, p = 0.08), although they used more social services (5.2 +/- 2.0 vs. 3.7 +/- 2.1, p = 0.03) than the lightly burdened caregivers. In addition, more than half of caregivers (56.1%) in the present study were depressed. This rate was higher than the rates in our studies before the introduction of the new public long-term care insurance system (a rural town: 53.3%, an urban town 46.6%). Furthermore, the number of social services used by caregivers did not seem to increase after the introduction of this insurance system (before: 4.1 +/- 2.0, after: 4.4 +/- 2.1). These findings suggest that the quantity and quality of social services for the frail elderly and their caregivers may not suffice even after the introduction of the new public long-term care insurance system.

Aged↗

[Health care organization in the sickness insurance system of Vilna region (1922-1933)].

Recent historio-medical researches carried out during the period of the II Republic of Poland enable a deep analysis of the changes that were taking place in the public health domain also in Vilna region. The approved by the State after 1918 legislative and organizational norms forming the structure of multisectorial health services including health insurance gradually modernized together with the borders assignation and incorporation of the previously annexed territories in Poland. With reference to the Vilna province the mentioned process began since 1922. The sickness insurance system in Vilna region developed by the national health Services (sick-fund) up to 1933 contributed to the establishment- in this region of a modern health care organization. The insured health services being a progressive one in the field of organization and methods of activity-secured for the working people of the Vilna province easily available and multispecialistic health services. In accordance with West Europa tendencies the solutions in the field of sickness-insurance contained an inspirational meaning to the entirety of the preventive and curative health activities for the whole Polish society.

Comprehensive Health Care↗

Awareness of the new long-term care insurance system and social services for elderly care in non-medical junior college students.

The present study was conducted in order to investigate the awareness of the new long-term care insurance and social services for the elderly care among young people. Non-medical junior college students answered a self-administered questionnaire about the new long-term insurance and other related matters. The present study revealed that only a small percentage of students knew about "the new public long-term care insurance system" (13% for males and 11% for females), "care-manager" (11% and 8%), or "care-plan" (9% and 5%) in 1999, just one year before this insurance system took effect. In contrast, more than one third of the students knew about "home-help service" (41% and 47%), "long-term care institution for the elderly" (33% and 35%), and "elderly care nursing home" (33% and 36%). However, these rates were much lower than the rates among nursing students in 1998. An educational program for non-medical students should be recommended to help them to understand our rapidly aging society and to take an interest in public policies and social services for the elderly in Japan.

Adolescent↗

[Does systematic evaluation of sickness certification II lead to less use of health insurance?].

BACKGROUND: The increasing prevalence of disability pensioning in Norway has led to several attempts at strengthening the proactive role of the National Insurance System (NIS) in cases of long-term sick-listing. Since 1988, a special medical certificate is required after eight weeks of sick-leave. The aim of this study was to examine whether systematic evaluation of this medical certificate by NIS officers and NIS medical consultants could reduce future health insurance expenditure. MATERIAL AND METHODS: In 1994 a randomised study using a paired design of the NIS local offices in the county of Hordaland was undertaken. All eight-week medical certificates in the intervention group (N = 2,237) were systematically reviewed, whereas standard routines were used for the control group (N = 1,764). RESULTS: After three years, no significant differences were observed between the two groups in health insurance utilisation. INTERPRETATION: We conclude that local NIS offices are unable to use the information in the eight-week sick notes to effectively influence future utilisation of health insurance. The reason may be that NIS offices lack the skills necessary for early intervention in long-term sick-listing.

Adult↗

[Supplementary insurance: yes or no? An investigation into the motives of patients].

Of the group of dentate adults taking part in the Public Health insurance scheme, 78% has opted for a supplementary insurance for dental care after the dental health care reform on January 1, 1995. For edentulous people this figure is 33%. Both for people who choose for a supplementary insurance and for those who did not, financial motives were most important. For the dentates visiting a dentist regularly, the time period between two check-ups has grown from 6.0 months to 6.9 months. The extent to which check-ups are postponed is not different for people with or without a supplementary insurance for dental care.

Adult↗

Anticipating and controlling rising malpractice insurance costs.

The unprecedented proliferation of large jury awards and settlements in medical malpractice cases over the past few years is expected to continue in 2002 and beyond. As a result, most major malpractice insurance carriers have experienced a deterioration of their loss ratios. Malpractice insurance premiums have skyrocketed, and in some cases, carriers have withdrawn from markets. Healthcare providers are challenged by malpractice-insurance-related expenses. Although providers may find it difficult to negotiate malpractice premium price breaks over the next few years as carriers attempt to restore their profitability, there are some measures they can take to control their malpractice expenses, including selecting a knowledgeable agent or broker, self-insuring, preparing a high-quality renewal submission, reinforcing their commitment to patient safety, and paying attention to carrier financial ratings.

Cost Control↗

The ophthalmologist's office: planning and practice. Life insurance.

Life insurance is a necessary part of life. There are many types of insurance, with varying costs, so each individual situation calls for a carefully tailored policy, modified periodically according to one's changing needs. To do this requires some basic knowledge on the part of the purchaser, plus the coordinated help of a competent insurance advisor, lawyer, and accountant. The medical prescription a physician writes first requires an adequate examination and workup of the patient, following which it is written for a specific purpose. In the same way, the life insurance plan selected by an individual should be decided upon only after a complete history and examination of that person and his or her needs.

Insurance, Life↗

[Introduction of the DRG system from the point of view of private health insurers].

For the first time, there has been a worldwide attempt to fund all hospital services almost completely by a DRG system supplemented by additional charges, rebates, and procedural rates. In the interest of the efficiency and transparency of hospital services the introduction of a German DRG system settling the current implausible price differences would be welcome. The system selected by the medical self-governing bodies in Germany is based upon the Australian AR-DRG classification. In contrast to other systems, the latter provides the best medical plausibility, the highest transparency of the assignment algorithm and the highest potential for flexibility and adaptations to changing morbidity patterns and medical progress. The adaptation to the conditions of the German health care system requires considerable efforts on the part of hospitals as well as sickness funds and health insurers. Hospitals need to establish a cost unit accounting system satisfying the rules of Applied Economics to allow, among other things, the calculation of relative cost weights. The self-governing bodies will have to consent on a complex regulation system. The German Hospital Federation declared the break down of negotiations concerning a provisional DRG system to be optionally available to hospitals in 2003. The Federal Ministry of Health will now have to decide whether to implement the system through executive fiat. The comprehensive DRG system will introduce new risks. The economic risks of the individual hospital, though not the individual insurer's risks, will be partially compensated for in the introductory phase by revenue balance mechanisms, for example. In particular, both the privately insured and civil servants will face a rise in costs as they will no longer benefit from a shorter length of hospital stay. To end this discrimination against private health insurers, the double counting of the costs associated with medical treatment (included in the DRG price and additionally invoiced by the physician) must be avoided: Once the current reimbursement for costs of optional medical services--being mainly a subsidy borne by private patients--is discontinued, the fee reduction according to Sect. 6a GOAe (medical fee schedule) must be adjusted definitely. This new primacy of economics could pose a threat to the quality of medical treatment. Therefore, quality assurance directives find increasing relevance. Preferably, healthcare providers should rigorously adhere to their scientific standards. Only a strictly rule-based introduction and the system's annual adaptation can keep the risks calculable.

Diagnosis-Related Groups↗

Using Medicaid/SCHIP to insure working families: the Massachusetts experience.

Massachusetts was the first State to implement a premium subsidy program for employer-sponsored health insurance, using both Medicaid and State Children's Health Insurance Program (SCHIP) funding. The Insurance Partnership (IP) provides subsidies directly to small employers, and the Premium Assistance Program provides subsidies to their low-income employees. Approximately 3,500 small firms currently participate, most of them offering health insurance coverage for the first time. Approximately 10,000 adults and children are covered through the program, the majority of whom had been uninsured prior to enrolling. Massachusetts' successful experience with premium subsidies offers important lessons for other States wishing to implement similar programs.

Child↗

Costs of poor birth outcomes among privately insured.

Despite expansions in the public insurance coverage of pregnant women, concerns over poor birth outcomes remain. Poor birth outcomes occur among publicly and privately insured women, however, thereby imposing excess costs on employers and their insurers. Data from a large sample of privately insured for 1996 are used to examine these outcomes and costs. Almost one-fourth (24.3 percent) of the infants in our matched sample of 12,020 deliveries was premature or had other problems at birth. Costs for these infants accounted for 82 percent of the total $56 million spent on sample infants. The incremental cost of infants with poor birth outcomes versus those with normal, full-terms was approximately $14,600. We found that these relative costs had increased over time due perhaps to the increased technology and intensity of services used to save infant lives. We also found that factors other than maternal and infant complications affected cost variations. For example, employers located in the Northeast, hiring older mothers, and in unionized sectors have higher prenatal, delivery, and infant costs.

Adult↗

Resource utilization among intensive care patients. Managed care vs traditional insurance.

BACKGROUND: There is considerable evidence that members of managed care organizations use fewer hospital resources than patients covered by traditional health insurance. While intensive care might seem to be an unlikely setting for such differences to exist, the relationship between health coverage and use of intensive care has not been examined. METHODS: We conducted a cross-sectional analysis of consecutive intensive care unit admissions at a regional tertiary care teaching hospital. Patients in managed care plans (n = 159) and with traditional insurance (n = 389) were compared with respect to length of stay, hospital charges, charges for specific services, and use of mechanical ventilation. The analysis controlled for severity of illness, as measured by the Mortality Probability Model, case mix, and mortality. The whole sample as well as subsamples representing medical, emergency surgery, and elective surgery patients were examined. RESULTS: The managed care group, on average, had short stays (both hospital and intensive care unit), lower charges, and less use of mechanical ventilation than the traditionally insured group. Average differences of about 30% to 40% were observed. The finding held for the whole sample as well as the medical and emergency surgery subsamples. The differences were more pronounced in the patients with lowest severity of illness. CONCLUSION: Even in a setting where there would appear to be relatively little room for discretion in treatment decisions, incentives associated with type of health insurance seemed to affect resource use.

Cost Control↗

Insured Americans drive surge in emergency department visits.

Visits to hospital emergency departments (EDs) have increased greatly in recent years, contributing to crowded conditions and ambulance diversions. Contrary to the popular belief that uninsured people are the major cause of increased emergency department use, insured Americans accounted for most of the 16 percent increase in visits between 1996-97 and 2000-01, according to a study by the Center for Studying Health System Change (HSC). This Issue Brief examines trends in emergency department and other ambulatory care use, focusing on differences among insurance groups. Although insured people accounted for most of the increase in emergency department visits, uninsured Americans increasingly rely on emergency departments because of decreased access to other sources of primary medical care. Emergency department waiting times also have increased substantially, which may lower both insured and uninsured patients' perceptions of the quality of their care.

Ambulatory Care↗

Prevention of patient injuries: the Finnish patient insurance scheme.

Injuries sustained by patients in connection with health care or medical treatment in Finland are compensated for as provided in the Patient Injuries Act, which came into force on 1 May 1987. Between 1987 and 2003, a total of 95,411 claims were made to the Finnish Patient Insurance Centre, the body in charge of the claims handling. Every third claim qualified as a patient injury. In my presentation I will focus on examining how the 17 years' claims statistics are used for the prevention of patient injuries and for the improvement of health care quality control. While the Finnish Patient Insurance Centre considers injury prevention as an important issue, the significance of this work has also been widely discussed in public. Injury prevention is a common cause and a goal sought by all providers of health care and medical treatment. This preventive work is clearly linked to the development and management of the policyholders' quality control systems. Successful prevention work requires the creation of feedback systems, cooperation networks and increased interaction to ensure that all parties will be able to participate and commit themselves to the targets. The Finnish Patient Insurance Centre has upgraded information services and increased training e.g. by launching a wide training programme tailored to individual policyholders. By using the experience gained over the years, patient injuries can be prevented. This in turn reduces human suffering and results in increased patient satisfaction in the long run. Taking up issues in the workplace with an open and thorough approach also helps foster a positive workplace climate. From an economical point of view, insurance premiums are thus kept under better control, because premiums charged on public sector policies are fully experience-rated.

Compensation and Redress↗

Changes in health insurance coverage and health status by race and ethnicity, 1997-2002.

Recent years have seen shifts in health insurance coverage associated with economic fluctuations and changes in health policy. The analysis presented here uses data from the National Survey of America's Families to examine changes in health insurance coverage and respondent-reported health status by race and ethnicity. The data indicate that public coverage increased for black, Hispanic and white children between 1997 and 2002. Uninsurance rates fell among children in low-income black, Hispanic and white families, remained constant among black and white children in higher-income families, and increased among higher-income Hispanic children. The health status of children was stable for blacks, Hispanics and whites except for a decline in health among higher-income Hispanic children. Black and white adults saw increases in public health insurance coverage but not in overall coverage. The uninsurance rate of Hispanic adults increased, despite expanded public coverage of higher-income Hispanic adults. None of these developments altered racial and ethnic disparities in health. Hispanics fared worse than blacks in both health status and insurance coverage, and blacks fared worse than whites. Given the anticipated growth of minority populations in the United States, the nation's health will deteriorate if policymakers allow current disparities to continue.

Adolescent↗

The economic consequences of medical injuries. Implications for a no-fault insurance plan.

BACKGROUND: There has been little research into the actual economic consequences of medical injuries. This inhibits informed discussion of alternatives to malpractice litigation. For example, the cost of no-fault medical accident insurance has been thought to be prohibitive. METHOD: As part of a comprehensive analysis of medical injury and litigation, we interviewed a random sample of 794 individuals who had suffered medical adverse events in New York hospitals in 1984 and used their responses to calculate the cost of injuries. We then estimated the costs of a simulated no-fault insurance program that would operate as a second payer to direct insurance sources and would compensate for all financial losses attributed to medical injury. RESULTS: The estimated costs that would be paid by a simulated no-fault program were $161 million for medical care, $276 million for lost wages, and $441 million in lost household production, or a total of $878 million in 1989 dollars for the cohort of patients who were injured in 1984. CONCLUSION: Although our estimate does not include administrative costs, it nonetheless indicates that a no-fault program would not be notably costlier than the more than $1 billion New York physicians now spend annually on malpractice insurance.

Adult↗

Restricted access to care: the role of race, managed care, and type of insurance.

This article compares African American patients who entered the hospital with the same medical condition-acute myocardial infarction-to similar white patients to assess the relative contributions of insurance type and managed care to the race gap in access to three expensive invasive procedures for treating heart disease: cardiac catheterization, percutaneous transluminal coronary angioplasty (angioplasty or PTCA), and coronary artery bypass surgery (CABG). With data from the state of Maryland, we find that the races differ markedly in their insurance coverage and African Americans have significantly less access to the procedures. Type of insurance and HMO explained little of the difference in access to procedures. Medicare appears to offer as much access to African Americans as commercial providers. We conclude that equalizing access to types of insurance coverage would reduce only a small proportion of the race gap in access to the three procedures.

Adult↗