HMOs, moral hazard and cost shifting in workers' compensation

Article Abstract:

A study examined behavioral responses of health maintenance organizations (HMOs) over workers' compensation incentives. The study showed that doctors in HMOs exhibited higher tendencies to classify workers' health conditions to be compensable under the workmen's compensation benefits, thereby increasing their chance of receiving higher incomes. It also showed that HMO-covered states have high rates of indemnity claims and low rates of severe health cases. The study considered moral hazards and cost shifting effects in determining workers' compensation incentives.

Analysis, Human resource management, Physicians, Medical professions, Workers' compensation, Cost shifting (Medical care)

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HMOs, market competition, and premium cost

Article Abstract:

Much of the discussion on health care reform has focused on single-payer programs, extension of Medicare to non-elderly individuals without private insurance, minimal government intervention in market forces and managed competition among health maintenance organizations (HMOs). However, few studies have been conducted to determine the cost-containing potentials of various health care reform proposals. A study of the effects of HMO market structure on HMO premiums was welcomed as a step towards addressing this deficiency.

Editorial, Prices and rates, Health care reform

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Willingness to pay for poison control centers

Article Abstract:

The willingness-to-pay (WTP) model is utilized to evaluate the advantages of poison control centers when direct access is obstructed. A greater WTP is found on those callers whose access are blocked as compared to those callers who came through easily. An explanation for the higher WTP implies that maybe it was due to being barred to achieve direct access for a needed service. WTP, which is capable of evaluating factors that are difficult to quantify, is found to increase with income.

Health Problems Prevention, All Other Miscellaneous Ambulatory Health Care Services, Preventive medicine, Public health administration, Poison control centers

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