Health Insurance Plan Design and Chronic Disease Management

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Health Insurance Plan Design and Chronic Disease Management, Is A Well-Researched Topic, It Is To Be Used As A Guide Or Framework For Your Research.

INTRODUCTION

Each year, Americans spend more money on health care than any other industrialized nation, despite comparable health outcomes. The reasons for this lack of health care value in the US are numerous and complex – including market distortions like supplier-inflated pricing and regulatory structures that enable consumers to utilize ubiquitous, high-cost medical technologies that yield uncertain benefits. Health insurance, once thought to be an insignificant contributor to rising health spending, has changed considerably in the past few decades in ways that make it more accessible and more generous in coverage. Health insurance design thus continues to be of considerable interest in health policy research.

TABLE OF CONTENTS

DEDICATION ………………………………………………………………………………………………………………. iii
ACKNOWLEDGEMENTS …………………………………………………………………………………………….. iv
LIST OF TABLES ……………………………………………………………………………………………………….. viii
LIST OF FIGURES ……………………………………………………………………………………………………….. ix
LIST OF ACRONYMS …………………………………………………………………………………………………… x
1. HEALTH INSURANCE PLAN DESIGN AND CONSUMER BEHAVIOR ……………………… 1
1.1. Introduction ………………………………………………………………………………………………………….. 1
1.2. Health Care Supply and Expenditure Growth …………………………………………………………… 3
1.3. Health Care Demand and Expenditure Growth …………………………………………………………. 5
1.4. The US Health Delivery System ……………………………………………………………………………… 9
1.5. Health Insurance Design ………………………………………………………………………………………. 10
1.5.1. First and Second-Best Health Insurance …………………………………………………………… 10
1.5.2. Moral Hazard ……………………………………………………………………………………………….. 12
1.5.3. Behavioral Hazard ………………………………………………………………………………………… 14
1.5.4. Complex Information …………………………………………………………………………………….. 19
1.6. Conclusion …………………………………………………………………………………………………………. 24
2. THE EFFECT OF A CHANGE IN MEDICAL PRICES ON THE CONSUMPTION OF HIGH-VALUE DRUGS AND OFFICE VISITS ………………………………………………. 26
2.1. Introduction ………………………………………………………………………………………………………… 26
2.2. Background ………………………………………………………………………………………………………… 28

2.2.1. Defining High-Value Care ……………………………………………………………………………… 28
2.2.2. Own-Price Effects …………………………………………………………………………………………. 30
2.2.3. Spillover Effects……………………………………………………………………………………………. 33
2.3. Methods……………………………………………………………………………………………………………… 37
2.3.1. Data …………………………………………………………………………………………………………….. 37
2.3.2. Study Inclusion …………………………………………………………………………………………….. 39
2.3.3. Health Plan and Policy Change……………………………………………………………………….. 42
2.3.4. Study Design ………………………………………………………………………………………………… 44
2.3.5. Estimation ……………………………………………………………………………………………………. 45
2.3.6. Robustness Checks………………………………………………………………………………………… 50
2.4. Results ……………………………………………………………………………………………………………….. 51
2.4.1. Characteristics of Chronic Disease Groups ………………………………………………………. 51
2.4.2. Summary of Consumption Trends …………………………………………………………………… 53
2.4.3. Regression Results ………………………………………………………………………………………… 58
2.4.4. Robustness Checks………………………………………………………………………………………… 65
2.5. Discussion and Conclusion …………………………………………………………………………………… 67
3. AN EXPLORATION OF CONSUMER PHARMACEUTICAL COST-SAVING METHODS ……………………………………………………………………………………………………….. 72
3.1. Introduction ………………………………………………………………………………………………………… 72
3.2. Background ………………………………………………………………………………………………………… 72
3.2.1. Larger Per-Prescription Quantity …………………………………………………………………….. 72
3.2.2. Generic Substitution………………………………………………………………………………………. 73

3.2.3. Lower Prices ………………………………………………………………………………………………… 74
3.3. Methods……………………………………………………………………………………………………………… 75
3.3.1 Data ……………………………………………………………………………………………………………… 75
3.3.2 Pharmacy Plan ………………………………………………………………………………………………. 76
3.3.3. Study Design and Estimation ………………………………………………………………………….. 77
3.4. Results ……………………………………………………………………………………………………………….. 79
3.4.1. Per-Prescription Day Supply…………………………………………………………………………… 79
3.4.2. Per-Prescription Copayment …………………………………………………………………………… 80
3.4.3 Generic Drug Cost …………………………………………………………………………………………. 84
3.4.4. Robustness Check …………………………………………………………………………………………. 86
3.5. Discussion and Conclusion …………………………………………………………………………………… 87
4. CONCLUSIONS……………………………………………………………………………………………………….. 91
REFERENCES …………………………………………………………………………………………………………….. 95
APPENDIX ………………………………………………………………………………………………………………… 101
BIOGRAPHY OF THE AUTHOR ………………………………………………………………………………… 109

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YourPastQuestions Brand

Additional information

Author

Daniel E. Feldman

No of Chapters

4

No of Pages

124

Reference

YES

Format

PDF

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