Enrollee Mix, Treatment Intensity, and Cost in Competing Indemnity and HMO Plans

DSpace/Manakin Repository

Enrollee Mix, Treatment Intensity, and Cost in Competing Indemnity and HMO Plans

Citable link to this page

. . . . . .

Title: Enrollee Mix, Treatment Intensity, and Cost in Competing Indemnity and HMO Plans
Author: Altman, Daniel; Cutler, David; Zeckhauser, Richard J.

Note: Order does not necessarily reflect citation order of authors.

Citation: Cutler, David M., Daniel Altman, and Richard J. Zeckhauser. 2003. Enrollee mix, treatment intensity, and cost in competing indemnity and HMO Plans. Journal of Health Economics 22(1): 23-45.
Full Text & Related Files:
Abstract: Why do indemnity insurance plans cost substantially more per capita—77% more in our study—than HMOs? We answer this question using data from a large organization’s insurance pool, covering 215,000 lives. We decompose cost differences for eight major medical conditions into four sources: demographics, incidence within demographic groups, treatment intensity, and prices per service. Greater incidence of disease in the indemnity plan (both from demographics themselves and within demographic groups) and higher prices each explain nearly 50% of the difference. Contrary to conventional wisdom, indemnity plans do not have greater treatment intensity.
Published Version: http://dx.doi.org/doi:10.1016/S0167-6296(02)00094-2
Other Sources: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=238478
http://www.economics.harvard.edu/faculty/cutler/files/Enrollee%20Mix,%20Treatment%20Intensity%20and%20Cost%20in%20Competing%20Indemnity%20and%20HMO%20Plans.pdf
Terms of Use: This article is made available under the terms and conditions applicable to Other Posted Material, as set forth at http://nrs.harvard.edu/urn-3:HUL.InstRepos:dash.current.terms-of-use#LAA
Citable link to this page: http://nrs.harvard.edu/urn-3:HUL.InstRepos:2664300

Show full Dublin Core record

This item appears in the following Collection(s)

  • FAS Scholarly Articles [7078]
    Peer reviewed scholarly articles from the Faculty of Arts and Sciences of Harvard University
 
 

Search DASH


Advanced Search
 
 

Submitters