Using a randomized field experiment, we show that health care specialists cream-skim patients by their expected profitability. In the German two-tier system, outpatient reimbursement rates for both public and private insurance are centrally determined but are more than twice as high for the...

Medical providers often have a significant influence on treatment decisions which they can use in their own financial interest. Classical models of supplier-induced demand predict that medical providers will supply fewer services if they face increasing prices. We test this prediction based on a...

Background: International studies (e.g. Asplin et al. 2005) show that waiting time for inpatient treatment depends on how the claimed services are financed. In Germany there is an ongoing debate about the assumption that privately insured patients do not only receive more benefits than members...