The effect of owning private long-term care insurance policies on out-of-pocket costs.

Abstract:

:This article examines the effect of owning long-term care insurance policies on the amount of out-of-pocket costs incurred by the elderly during their nursing home stays, and the importance of different policy features and restrictions. Data were drawn from the 1985 National Nursing Home Survey, and from copies of long-term care insurance policies collected from 11 leading companies during the spring and summer of 1988. The study results show a great deal of uncertainty concerning amounts the policies are likely to pay toward nursing home stays. This implies that the policies collected did not adequately fulfill one of the primary purposes of insurance: a reduction in risk and uncertainty. To examine whether rapid policy changes in recent years have made a difference, we assessed each of seven policy features and found that the two most important restrictions in long-term care insurance policies are prior hospitalization and level-of-care requirements. Recently, the National Association of Insurance Commissioners (NAIC) recommended that states prohibit the sale of policies containing these restrictions. Our findings confirm the wisdom of this recommendation. We did find, however, that two other policy restrictions--policy maximums and lack of inflation adjustment--are problematic. We recommend that the NAIC expand its model regulations to require that policy maximums be a minimum of four years, and that some form of inflation protection be incorporated into policy benefit structures.

journal_name

Health Serv Res

journal_title

Health services research

authors

Rice T,Thomas K,Weissert W

subject

Has Abstract

pub_date

1991-02-01 00:00:00

pages

907-33

issue

6

eissn

0017-9124

issn

1475-6773

journal_volume

25

pub_type

杂志文章
  • A framework to measure the value of public health services.

    abstract:OBJECTIVE:To develop a framework that public health practitioners could use to measure the value of public health services. DATA SOURCES:Primary data were collected from August 2006 through March 2007. We interviewed (n=46) public health practitioners in four states, leaders of national public health organizations, an...

    journal_title:Health services research

    pub_type: 杂志文章,多中心研究

    doi:10.1111/j.1475-6773.2009.01013.x

    authors: Jacobson PD,Neumann PJ

    更新日期:2009-10-01 00:00:00

  • Factors affecting physician loyalty and exit: a longitudinal analysis of physician-hospital relationships.

    abstract::This article examines forces that influence physicians to change the percentage of their admissions to a hospital (loyalty) and to cease admitting patients to a hospital altogether (exit). Because physicians are both members of a hospital and consumers of its services, their admitting patterns can be described using m...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:

    authors: Burns LR,Wholey DR

    更新日期:1992-04-01 00:00:00

  • Using Medicare data to estimate the prevalence of breast cancer screening in older women: comparison of different methods to identify screening mammograms.

    abstract:OBJECTIVES:To compare different methods for defining screening mammograms with Medicare claims and their impact on estimates of breast cancer screening rates. METHODS:Medicare outpatient facility and physician claims for 61,962 women in 1993 and 59,652 women in 1998 were reviewed for evidence of receipt of screening m...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/1475-6773.10912

    authors: Randolph WM,Mahnken JD,Goodwin JS,Freeman JL

    更新日期:2002-12-01 00:00:00

  • Cost implications of hospital unionization: a behavioral analysis.

    abstract::The growth of unionization among hospital workers was sharply accelerated by the 1974 amendments to the National Labor Relations Act covering voluntary hospital workers. With continuing inflationary pressures in the hospital sector, the cost implications of the recent and projected growth of hospital unions is of some...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:

    authors: Salkever DS

    更新日期:1984-12-01 00:00:00

  • Tax-Exempt Hospitals' Investments in Community Health and Local Public Health Spending: Patterns and Relationships.

    abstract:OBJECTIVES:To investigate whether tax-exempt hospitals' investments in community health are associated with patterns of governmental public health spending focusing specifically on the relationship between hospitals' community benefit expenditures and the spending patterns of local health departments (LHDs). STUDY DES...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/1475-6773.12739

    authors: Singh SR,Young GJ

    更新日期:2017-12-01 00:00:00

  • Impact of Disease Prevalence Adjustment on Hospitalization Rates for Chronic Ambulatory Care-Sensitive Conditions in Germany.

    abstract:OBJECTIVES:To explore effects of disease prevalence adjustment on ambulatory care-sensitive hospitalization (ACSH) rates used for quality comparisons. DATA SOURCES/STUDY SETTING:County-level hospital administrative data on adults discharged from German hospitals in 2011 and prevalence estimates based on administrative...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/1475-6773.12680

    authors: Pollmanns J,Romano PS,Weyermann M,Geraedts M,Drösler SE

    更新日期:2018-04-01 00:00:00

  • Do commercial managed care members rate their health plans differently than Medicaid managed care members?

    abstract:OBJECTIVE:To determine if members of commercial managed care and Medicaid managed care rate the experience with their health plans differently. DATA SOURCES:Data from both commercial and Medicaid Consumer Assessment of Health Plan Surveys (CAHPS) in New York State. STUDY DESIGN:Regression models were used to determin...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/1475-6773.00166

    authors: Roohan PJ,Franko SJ,Anarella JP,Dellehunt LK,Gesten FC

    更新日期:2003-08-01 00:00:00

  • The role of public clinics in preventable hospitalizations among vulnerable populations.

    abstract:OBJECTIVE:To determine if the availability of public ambulatory clinics affects preventable hospitalization (PH) rates of low-income and elderly populations. DATA SOURCES:PH rates were calculated using elderly and low-income discharges from 1995-97 Virginia hospital discharge data. Other data sources include the 1990 ...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:

    authors: Epstein AJ

    更新日期:2001-06-01 00:00:00

  • Where You Live Matters: Quality and Racial/Ethnic Disparities in Schizophrenia Care in Four State Medicaid Programs.

    abstract:OBJECTIVE:To determine whether (a) quality in schizophrenia care varies by race/ethnicity and over time and (b) these patterns differ across counties within states. DATA SOURCES:Medicaid claims data from California, Florida, New York, and North Carolina during 2002-2008. STUDY DESIGN:We studied black, Latino, and whi...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/1475-6773.12296

    authors: Horvitz-Lennon M,Volya R,Garfield R,Donohue JM,Lave JR,Normand SL

    更新日期:2015-10-01 00:00:00

  • Teamwork as an essential component of high-reliability organizations.

    abstract::Organizations are increasingly becoming dynamic and unstable. This evolution has given rise to greater reliance on teams and increased complexity in terms of team composition, skills required, and degree of risk involved. High-reliability organizations (HROs) are those that exist in such hazardous environments where t...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/j.1475-6773.2006.00566.x

    authors: Baker DP,Day R,Salas E

    更新日期:2006-08-01 00:00:00

  • Laws requiring health plans to provide direct access to obstetricians and gynecologists, and use of cancer screening by women.

    abstract:BACKGROUND:Many states have passed legislation mandating that health plans provide direct access to obstetricians/gynecologists (hereinafter "ob/gyns") for women, limiting the ability of plans to require referrals or otherwise restrict access. One benefit of these laws may be improved preventive screening rates, but no...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/j.1475-6773.2006.00646.x

    authors: Baker LC,Chan J

    更新日期:2007-06-01 00:00:00

  • Assessing quality of diabetes care by measuring longitudinal changes in hemoglobin A1c in the Veterans Health Administration.

    abstract:CONTEXT:A1c levels are widely used to assess quality of diabetes care provided by health care systems. Currently, cross-sectional measures are commonly used for such assessments. OBJECTIVE:To study within-patient longitudinal changes in A1c levels at Veterans Health Administration (VHA) facilities as an alternative to...

    journal_title:Health services research

    pub_type: 杂志文章,多中心研究

    doi:10.1111/j.1475-6773.2005.00439.x

    authors: Thompson W,Wang H,Xie M,Kolassa J,Rajan M,Tseng CL,Crystal S,Zhang Q,Vardi Y,Pogach L,Safford MM

    更新日期:2005-12-01 00:00:00

  • Discontinuity of coverage for Medicaid and S-CHIP children at a transitional birthday.

    abstract:RESEARCH OBJECTIVE:To investigate disenrollment from public insurance at the 6-year transitional birthday when eligibility for many children moves from Medicaid to State Children's Health Insurance Program (S-CHIP). DATA SOURCES:Data from Georgia's S-CHIP (PeachCare) and Medicaid programs from 2000 to 2002. STUDY DES...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/j.1475-6773.2007.00795.x

    authors: Ketsche P,Adams EK,Snyder A,Zhou M,Minyard K,Kellenberg R

    更新日期:2007-12-01 00:00:00

  • A conceptual model of the case-based payment scheme for New Jersey hospitals.

    abstract::In this paper I propose a methodology for paying short-term general hospitals on the basis of prospective cost-based case-mix revenue budgets. A hospital's budget is divided into patient care--related components and other components. The patient care--related budget is based on the case mix of patients treated by the ...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:

    authors: Reiss JB

    更新日期:1980-07-01 00:00:00

  • The standard gamble method: what is being measured and how it is interpreted.

    abstract:OBJECTIVE:The Standard Gamble (SG) technique is recommended for measurement of individuals' preferences under uncertainty and to express the outcome of different therapeutic choices in utility values to be used in clinical decision analysis and health program evaluation. The article alerts users of this technique to pr...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:

    authors: Gafni A

    更新日期:1994-06-01 00:00:00

  • Gender discrimination in the United States: Experiences of women.

    abstract:OBJECTIVE:To examine reported experiences of gender discrimination and harassment among US women. DATA SOURCE AND STUDY DESIGN:Data come from a nationally representative, probability-based telephone survey of 1596 women, conducted January-April 2017. METHODS:We calculated the percentages of women reporting gender dis...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/1475-6773.13217

    authors: SteelFisher GK,Findling MG,Bleich SN,Casey LS,Blendon RJ,Benson JM,Sayde JM,Miller C

    更新日期:2019-12-01 00:00:00

  • Determinants of hospital tax-exempt debt yields: corrections for selection and simultaneous equation bias.

    abstract::The cost of capital for hospitals is a topic of continuing interest as Medicare's new capital payment policy is implemented. This study examines the determinants of tax-exempt revenue bond yields, the primary source of long-term capital for hospitals. Two important methodological issues are addressed. A probit analysi...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:

    authors: Carpenter CE

    更新日期:1992-12-01 00:00:00

  • Parental beliefs and children's receipt of preventive care: another piece of the puzzle?

    abstract:OBJECTIVE:To examine whether parental beliefs about routine checkups are associated with children's receipt of timely preventive care. DATA SOURCES:The 2001 United Way Outcomes and Community Impact Program telephone survey of San Diego County, including 918 households with children between 3 and 19 years of age, where...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/j.1475-6773.2007.00759.x

    authors: Hughes SC,Wingard DL

    更新日期:2008-02-01 00:00:00

  • Certificate of Need (CON) for cardiac care: controversy over the contributions of CON.

    abstract:OBJECTIVES:To test whether state Certificate of Need (CON) regulations influence procedural mortality or the provision of coronary artery bypass graft surgery (CABG) and percutaneous coronary interventions (PCI). DATA SOURCES:Medicare inpatient claims obtained for 1989-2002 for patients age 65+ who received CABG or PC...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/j.1475-6773.2008.00933.x

    authors: Ho V,Ku-Goto MH,Jollis JG

    更新日期:2009-04-01 00:00:00

  • Evaluation of the effect of a consumer-driven health plan on medical care expenditures and utilization.

    abstract:OBJECTIVE:To compare medical care costs and utilization in a consumer-driven health plan (CDHP) to other health insurance plans. STUDY DESIGN:We examine claims and employee demographic data from one large employer that adopted a CDHP in 2001. A quasi-experimental pre-post design is used to assign employees to three co...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/j.1475-6773.2004.00282.x

    authors: Parente ST,Feldman R,Christianson JB

    更新日期:2004-08-01 00:00:00

  • How much is postacute care use affected by its availability?

    abstract:OBJECTIVE:To assess the relative impact of clinical factors versus nonclinical factors-such as postacute care (PAC) supply-in determining whether patients receive care from skilled nursing facilities (SNFs) or inpatient rehabilitation facilities (IRFs) after discharge from acute care. DATA SOURCES AND STUDY SETTING:Me...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/j.1475-6773.2005.00365.x

    authors: Buntin MB,Garten AD,Paddock S,Saliba D,Totten M,Escarce JJ

    更新日期:2005-04-01 00:00:00

  • Beyond class, race, and ethnicity: deprivation and health in Britain.

    abstract::The concepts of class, race, and ethnicity figure prominently in health services research in Britain. Occupational class has been employed for nearly a century to investigate social inequalities in health and access to care. More recently, researchers have identified differences in health status and utilization betwee...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:

    authors: Benzeval M,Judge K,Smaje C

    更新日期:1995-04-01 00:00:00

  • Enhancing Clinical Content and Race/Ethnicity Data in Statewide Hospital Administrative Databases: Obstacles Encountered, Strategies Adopted, and Lessons Learned.

    abstract:OBJECTIVES:Eight grant teams used Agency for Healthcare Research and Quality infrastructure development research grants to enhance the clinical content of and improve race/ethnicity identifiers in statewide all-payer hospital administrative databases. PRINCIPAL FINDINGS:Grantees faced common challenges, including recr...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/1475-6773.12330

    authors: Pine M,Kowlessar NM,Salemi JL,Miyamura J,Zingmond DS,Katz NE,Schindler J

    更新日期:2015-08-01 00:00:00

  • Methodological reporting in qualitative, quantitative, and mixed methods health services research articles.

    abstract:OBJECTIVES:Methodologically sound mixed methods research can improve our understanding of health services by providing a more comprehensive picture of health services than either method can alone. This study describes the frequency of mixed methods in published health services research and compares the presence of meth...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/j.1475-6773.2011.01344.x

    authors: Wisdom JP,Cavaleri MA,Onwuegbuzie AJ,Green CA

    更新日期:2012-04-01 00:00:00

  • A controlled trial of dissemination and implementation of a cardiovascular risk reduction strategy in small primary care practices.

    abstract:OBJECTIVE:To assess the effect of dissemination and implementation of an intervention consisting of practice facilitation and a risk-stratified, population management dashboard on cardiovascular risk reduction for patients at high risk in small, primary care practices. STUDY SETTING:A total of 219 small primary care p...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/1475-6773.13571

    authors: Cykert S,Keyserling TC,Pignone M,DeWalt D,Weiner BJ,Trogdon JG,Wroth T,Halladay J,Mackey M,Fine J,In Kim J,Cene C

    更新日期:2020-12-01 00:00:00

  • Use of geocoding and surname analysis to estimate race and ethnicity.

    abstract:OBJECTIVE:To review two indirect methods, geocoding and surname analysis, for estimating race/ethnicity as a means for health plans to assess disparities in care. STUDY DESIGN:Review of published articles and unpublished data on the use of geocoding and surname analyses. PRINCIPAL FINDINGS:Few published studies have ...

    journal_title:Health services research

    pub_type: 杂志文章,评审

    doi:10.1111/j.1475-6773.2006.00551.x

    authors: Fiscella K,Fremont AM

    更新日期:2006-08-01 00:00:00

  • Differences between generalists and mental health specialists in the psychiatric treatment of Medicare beneficiaries.

    abstract:OBJECTIVE:To examine differences between the general medical and mental health specialty sectors in the expenditure and treatment patterns of aged and disabled Medicare beneficiaries with a physician diagnosis of psychiatric disorder. DATA SOURCES:Based on 1991-1993 Medicare Current Beneficiary Survey data, linked to ...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:

    authors: Ettner SL,Hermann RC,Tang H

    更新日期:1999-08-01 00:00:00

  • The great recession and health spending among uninsured U.S. immigrants: implications for the Affordable Care Act implementation.

    abstract:OBJECTIVE:We study the association between the timing of the Great Recession (GR) and health spending among uninsured adults distinguishing by citizenship/nativity status and time of U.S. residence. DATA SOURCE:Uninsured U.S. citizens and noncitizens from the 2005-2006 and 2008-2009 Medical Expenditure Panel Survey. ...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/1475-6773.12193

    authors: Vargas Bustamante A,Chen J

    更新日期:2014-12-01 00:00:00

  • The comprehensive care project: measuring physician performance in ambulatory practice.

    abstract:OBJECTIVE:To investigate the feasibility, reliability, and validity of comprehensively assessing physician-level performance in ambulatory practice. DATA SOURCES/STUDY SETTING:Ambulatory-based general internists in 13 states participated in the assessment. STUDY DESIGN:We assessed physician-level performance, adjuste...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/j.1475-6773.2010.01160.x

    authors: Holmboe ES,Weng W,Arnold GK,Kaplan SH,Normand SL,Greenfield S,Hood S,Lipner RS

    更新日期:2010-12-01 00:00:00

  • Prescription drug monitoring programs: Assessing the association between "best practices" and opioid use in Medicare.

    abstract:OBJECTIVE:To estimate the impact of implementing prescription drug monitoring program (PDMP) best practices on prescription opioid use. DATA SOURCES:2007-2012 Medicare claims for noncancer pain patients, and PDMP attributes from the Prescription Drug Abuse Policy System. STUDY DESIGN:We derived PDMP composite scores ...

    journal_title:Health services research

    pub_type: 杂志文章

    doi:10.1111/1475-6773.13197

    authors: Moyo P,Simoni-Wastila L,Griffin BA,Harrington D,Alexander GC,Palumbo F,Onukwugha E

    更新日期:2019-10-01 00:00:00