منابع مشابه
The 1990s Medical Director and Health Insurance
Dr. Couch is a medical quality management consultant serving providers and purchasers of health care services (including insurers and corporations) nationwide. He represents the 6,000 physician executives of the American College of Physician Executives and American College of Utilization Review Physicians at the JCAHO. He is associated with the Leonard Davis Institute of Health Economics of the...
متن کاملHealth Status, Health Insurance, and Medical Services Utilization: 2010
The national health spending for Americans has increased in recent years and is projected to continue on a rapid growth trajectory.1 This phenomenon is subject to the interplay of many forces, both demographic and economic.2 People are living longer, have declining health status for more years than in the past, and are consuming more medical services.3 Regardless of demographic characteristics,...
متن کاملHealth Insurance: Medical Treatment vs. Disability Payment∗
We present arguments for treating health insurance and disability insurance in an integrated manner in economic analysis, based on a model where each individual’s utility depends on both consumption and health and her income depends on her earnings ability. When purchasing insurance, she may choose a contract that offer less than full medical treatment. We find that high-ability individuals dem...
متن کاملDisclosure of Medical Information in Health Insurance
Disclosure of private medical information allows insurance companies to better predict medical expenditures. The premiums the companies charge the insured employees reflect these expenditures. This paper studies incentives of employees to disclose their medical information. I find that healthier employees prefer to disclose medical information that results in a disclosure plan having a lower pr...
متن کاملThe Added Value of Medical Testing in Underwriting Life Insurance.
BACKGROUND In present-day life-insurance medical underwriting practice the risk assessment starts with a standard health declaration (SHD). Indication for additional medical screening depends predominantly on age and amount of insured capital. From a medical perspective it is questionable whether there is an association between the level of insured capital and medical risk in terms of mortality...
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ژورنال
عنوان ژورنال: BMJ
سال: 1989
ISSN: 0959-8138,1468-5833
DOI: 10.1136/bmj.298.6667.134