scholarly journals Supplementary private health insurance: The impact of physician financial incentives on medical practice

2021 ◽  
Author(s):  
Carine Milcent ◽  
Saad Zbiri
Keyword(s):  
Health Insurance ◽  
Medical Practice ◽  
Financial Incentives ◽  
Private Health Insurance ◽  
The Impact

scholarly journals The profiles of public and private patients in maternal healthcare: a longitudinal study to examine adverse selection

2019 ◽  
Vol 14 (1) ◽  
pp. 129-137
Author(s):  
Jananie William ◽  
Bronwyn Loong ◽  
Catherine Chojenta ◽  
Deborah Loxton
Keyword(s):  
Health Insurance ◽  
Adverse Selection ◽  
Financial Incentives ◽  
Private Health Insurance ◽  
Service Use ◽  
Subsequent Pregnancy ◽  
Two Phase ◽  
Related Factors ◽  
Private Patient ◽  
The Impact

AbstractIn this article, we investigate differences in the profiles of patients within the Australian mixed public-private maternal health system to examine the extent of adverse selection. There are conflicting influences on adverse selection within the private health sector in Australia due to government regulations that incentivise lower risk segments of the population to purchase community-rated private health insurance. We use a two-phase modelling methodology that incorporates statistical learning and logistic regression on a dataset that links administrative and longitudinal survey data for a large cohort of women. We find that the key predictor of private patient status is having private health insurance, which itself is largely driven by sociodemographic factors rather than health-or pregnancy-related factors. Additionally, transitioning between the public-private systems for a subsequent pregnancy is uncommon; however, it is primarily driven by changes in private health insurance when it occurs. Other significant factors when transitioning to the private system for a second pregnancy are hypertension, increased access to specialists and stress related to previous motherhood experiences. Consequently, there is limited evidence of adverse selection in this market, with targeted financial incentives likely outweighing the impact of community rating even during childbearing years where private health service use increases.

scholarly journals Policy change and private health insurance: did the cheapest policy do the trick?

2002 ◽  
Vol 25 (6) ◽  
pp. 33 ◽  
Author(s):  
James R G Butler
Keyword(s):  
Health Insurance ◽  
Adverse Selection ◽  
Policy Change ◽  
Financial Incentives ◽  
Private Health Insurance ◽  
Insurance Industry ◽  
Government Expenditure ◽  
Policy Changes ◽  
Community Rating ◽  
Health Insurance Industry

From the introduction of Australia's national health insurance scheme (Medicare) in 1984 until recently, the proportion of the population covered by private health insurance declined steadily. Following an Industry Commission inquiry into the private health insurance industry in 1997,a number of policy changes were effected in an attempt to reverse this trend. The main policy changes were of two types: "carrots and sticks" financial incentives that provided subsidies for purchasing, or tax penalties for not purchasing, private health insurance; and lifetime community rating, which aimed to revise the community rating regulations governing private health insurance in Australia. This paper argues that the membership uptake that has occurred recently is largely attributable to the introduction of lifetime community rating which goes some way towards addressing the adverse selection associated with the previous community rating regulations. This policy change had virtually no cost to government. However, it was introduced after subsidies for private health insurance were already in place. The chronological sequencing of these policies has resulted in substantial increases in government expenditure on private health insurance subsidies, with such increases not being a cause but rather an effect of increased demand for private health insurance.The paper also considers whether the decline in membership that has occurred since the implementation of lifetime community rating presages the re-emergence of an adverse selection problem in private health insurance. Much of the decline to date may be attributable to failure on the part of some members to honour premium payments when they first fell due. However, the changing age composition of the insured pool since September 2000,resulting in an increasing average age of those insured, suggests the possible reappearance of an adverse selection dynamic. Thus the 'trick' delivered by lifetime community rating may not be maintained in the longer term.

Women's choice? The impact of private health insurance on episiotomy rates in Australian hospitals

Midwifery ◽  
2000 ◽  
Vol 16 (3) ◽  
pp. 204-212 ◽  
Author(s):  
Allison Shorten ◽  
Brett Shorten
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
The Impact

The impact of subsidized private health insurance and health facility upgrades on healthcare utilization and spending in rural Nigeria

2017 ◽  
Vol 18 (3) ◽  
pp. 221-276 ◽  
Author(s):  
Emily Gustafsson-Wright ◽  
Gosia Popławska ◽  
Zlata Tanović ◽  
Jacques van der Gaag
Keyword(s):  
Health Insurance ◽  
Health Facility ◽  
Healthcare Utilization ◽  
Private Health Insurance ◽  
Rural Nigeria ◽  
The Impact

scholarly journals The Impact of Emerging Regulatory Regime on the Private Health Insurance Industry in Ghana

2021 ◽  
Vol 9 (5) ◽  
pp. 200
Author(s):  
Richmond Bansah ◽  
Augustina Sidza ◽  
Victoria Akita
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Insurance Industry ◽  
Regulatory Regime ◽  
Health Insurance Industry ◽  
The Impact

scholarly journals The impact of financial incentives on physician empathy: A study from the perspective of patients with private and statutory health insurance

2011 ◽  
Vol 84 (2) ◽  
pp. 208-216 ◽  
Author(s):  
Melanie Neumann ◽  
Jozien Bensing ◽  
Markus Wirtz ◽  
Ansgar Wübker ◽  
Christian Scheffer ◽  
...  
Keyword(s):  
Health Insurance ◽  
Financial Incentives ◽  
Statutory Health Insurance ◽  
Physician Empathy ◽  
The Impact
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