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dc.contributor.authorCutler, David
dc.contributor.authorAltman, Daniel
dc.contributor.authorZeckhauser, Richard J.
dc.date.accessioned2009-03-15T16:49:59Z
dc.date.issued2003
dc.identifier.citationCutler, 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.en
dc.identifier.issn0167-6296en
dc.identifier.urihttp://nrs.harvard.edu/urn-3:HUL.InstRepos:2664300
dc.description.abstractWhy 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.en
dc.description.sponsorshipEconomicsen
dc.language.isoen_USen
dc.publisherElsevieren
dc.relation.isversionofhttp://dx.doi.org/doi:10.1016/S0167-6296(02)00094-2en
dc.relation.hasversionhttp://papers.ssrn.com/sol3/papers.cfm?abstract_id=238478en
dc.relation.hasversionhttp://www.economics.harvard.edu/faculty/cutler/files/Enrollee%20Mix,%20Treatment%20Intensity%20and%20Cost%20in%20Competing%20Indemnity%20and%20HMO%20Plans.pdfen
dash.licenseLAA
dc.titleEnrollee Mix, Treatment Intensity, and Cost in Competing Indemnity and HMO Plansen
dc.typeJournal Article
dc.description.versionAccepted Manuscript
dc.relation.journalJournal of Health Economicsen
dash.depositing.authorCutler, David
dc.identifier.doi10.1016/S0167-6296(02)00094-2*
dash.contributor.affiliatedCutler, David


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