THE EFFECTS OF INSURANCE MANDATES ON CHOICES AND OUTCOMES IN INFERTILITY TREATMENT MARKETS
THE EFFECTS OF INSURANCE MANDATES ON CHOICES AND OUTCOMES IN INFERTILITY TREATMENT MARKETS
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DOI：
10.1002/hec.1776
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发表时间：
2012-08-01
期刊：
影响因子：
2.1
通讯作者：
Mcmanus, Brian
中科院分区：
文献类型：
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作者：
Hamilton, Barton H.;Mcmanus, Brian
对于经历生殖问题的10%至15%的美国已婚夫妇来说，试管受精(IVF)是领先的先进技术治疗程序。然而，试管受精的费用可能会阻止许多夫妇接受治疗，而那些接受治疗的夫妇可能会采取过于激进的方法来降低失败的可能性。通过增加试管受精过程中移植的胚胎数量进行积极的治疗，可能会导致医学上危险的多胞胎。我们评估了改善试管受精机会和结果的原则性政策建议和保险强制令。我们使用了19952003年间美国市场的数据显示，试管受精的广泛保险授权不仅导致治疗机会的大幅增加，而且显著降低了治疗的侵略性。更有限的保险授权可能适用于部分保险公司，或者为保险公司的行为提供较弱的指导方针，通常对试管受精市场影响不大。版权所有(C)2011 John Wiley&Sons，Ltd.
For the 10% to 15% of American married couples who experience reproductive problems, in vitro fertilization (IVF) is the leading technologically advanced treatment procedure. However, IVF's expense may prevent many couples from receiving treatment, and those who are treated may take an overly aggressive approach to reduce the probability of failure. Aggressive treatment, which occurs through an increase in the number of embryos transferred during IVF, can lead to medically dangerous multiple births. We evaluated the principle policy proposalinsurance mandatesfor improving IVF access and outcomes. We used data from US markets during 19952003 to show that broad insurance mandates for IVF result in not only large increases in treatment access but also significantly less aggressive treatment. More limited insurance mandates, which may apply to a subset of insurers or provide weaker guidelines for insurer behavior, generally have little effect on IVF markets. Copyright (c) 2011 John Wiley & Sons, Ltd.