Do consumers know how their health plan works?
Do consumers know how their health plan works?
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DOI：
10.1377/hlthaff.20.2.159
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发表时间：
2001-03-01
期刊：
影响因子：
9.7
通讯作者：
Sinclair, M
中科院分区：
文献类型：
--
作者：
Cunningham, PJ;Denk, C;Sinclair, M
只有在消费者做出知情选择的情况下，扩大消费者对计划的选择才是有益的。本研究利用1996-97年社区跟踪研究（CTS）的数据，将消费者对健康计划的四个关键属性的反应与计划直接提供的信息进行比较。计划属性与提供者的选择和专家的访问有关。虽然报告某些个人属性的准确性相当高，但只有不到三分之一的消费者准确报告了所有四个健康计划属性。总的来说，消费者倾向于夸大计划的限制，特别是需要批准才能看到专家。
Expanding consumer choice of plans is beneficial only to the extent that consumers make informed choices. Using data from the 1996-97 Community Tracking Study (CTS), this study compares consumers' responses on four key attributes of their health plan with information provided directly by the plan. Plan attributes relate to choice of providers and access to specialists. Although the accuracy of reporting some individual attributes was fairly high, fewer than one-third of consumers accurately reported all four health plan attributes. In general, consumers tended to overreport plan restrictions, especially the need for approval to see specialists.