1 Does Type Health Insurance Matter? Since most individuals do not possess adequate knowledge to diagnose and treat their own health problems, they seek advice from physicians who act as their agents. These agents are expected to provide the necessary diagnosis and care. To pay for this care, the average individual purchases health insurance as an important guarantee against medical care's high...

The January issue of the Social Security Bulletin carried a full description of the statistical program established to record and maintain data on the utilization and charges for m‘edical care services covered under the health insurarxe program for the aged. The statistical system ‘is based on the receipt by the Social Security Administration of bills presented fo nnd paid by fiscal intermediar...

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...

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...

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BACKGROUND Despite wide recognition that the delivery of medical care by trainees involves special risks, information about the types and causes of medical errors involving trainees is limited. To describe the characteristics of and factors contributing to trainee errors, we analyzed malpractice claims in which trainees were judged to have played an important role in harmful errors. METHODS T...

The article is devoted to the definition of insurance in tourism, which will ensure that tourist solves all problems and receives qualified medical, legal or administrative assistance. It was determined what is, travel insurance, tourism. has been proven tourism industry used insure against risk financial losses, both large small, may arise from damage insured his property, liability for caused...

BACKGROUND Malpractice issues within the United States remain a critical factor for family physicians providing obstetric care. Although tort reform is being widely discussed, little has been written regarding the malpractice crisis from a risk management perspective. METHODS Between 1989 and 1998, a 10-year risk management study at the UC Davis Health System provided a unique collaboration b...

With rare exceptions the provision of actuarially fair health insurance tends to substantially increase the demand for medical care by redistributing income from the healthy to the sick. This suggests that previous studies which attribute all the extra demand for medical care to moral hazard effects may overestimate the efficiency costs of health insurance.