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Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts. We use a set of new...
Persistent link: https://www.econbiz.de/10014213324
The German health care reform of 2004 imposes a charge of 10 Euro for the first visit to a doctor in each quarter of the year. At first glance, there is no inhibiting effect of this fee on utilization in the German Socio-Economic Panel. However, this study reveals that the true effect is diluted...
Persistent link: https://www.econbiz.de/10003951754
Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts. We use a set of new...
Persistent link: https://www.econbiz.de/10011633519
Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts. We use a set of new...
Persistent link: https://www.econbiz.de/10003785047
insurance were exempt from the copayments, this health care reform can be regarded as a natural experiment. We used a difference …
Persistent link: https://www.econbiz.de/10014218988
insurance were exempt from the copayments, this health care reform can be regarded as a natural experiment. We used a difference …
Persistent link: https://www.econbiz.de/10014218994
insurance were exempt from the copayments, this health-care reform can be regarded as a natural experiment. We used a difference …
Persistent link: https://www.econbiz.de/10009663837
insurance were exempt from the copayments, this health care reform can be regarded as a natural experiment. We used a difference …
Persistent link: https://www.econbiz.de/10011632066
with selection of healthy patients into HMOs. Even after adjusting for this selection, however, HMO physicians remain …-sensitive patients into HMOs, or it could simply reflect lower prices. To understand the difference, I estimate a model of physician … prescribing and patient refill decisions. Patients in HMOs are 50% more sensitive to copays than are other patients, consistent …
Persistent link: https://www.econbiz.de/10012971276
as an influence on more severely versus mildly afflicted patients to visit their physicians. Briefly, using data from the … discuss the focal health condition and the efficacy of the advertised drug with their physicians. In this paper, we … investigate the effectiveness of such direct-to-consumer advertising (DTCA) on different types of patients. Specifically, we …
Persistent link: https://www.econbiz.de/10014132779