insurance coverage

保险范围
  • 文章类型: Journal Article
    目的:评估当前人口调查年度社会和经济补编(CPS)中月度健康保险覆盖率自我报告的准确性。
    方法:CHIME(比较健康保险测量误差)研究使用了中西部大型地区保险公司的健康保险注册记录作为2015年春季主要数据收集的样本。
    方法:在一系列公共和私人保险类型(包括医疗补助和市场)中注册的个人样本被管理CPS健康保险模块,其中包括关于月级覆盖率的问题,按类型,在17-18个月的时间跨度内。然后将调查数据与涵盖相同时间范围的注册记录进行匹配,并评估记录和自我报告之间的一致性。
    方法:样本由保险公司的信息学专家和人口普查局的访谈人员进行了调查。收集数据后,将更新的纳入记录与调查数据进行匹配,以产生按月级别分类的个人级别覆盖文件.
    结果:对于总体样本的91%,在至少75%的观察月份内,我们准确报告了覆盖状况和类型.结果因覆盖率的稳定性而有些变化。在整个17-18个月的观察期(占总体样本的64%)中,在94%的样本中观察到了这种报告准确性水平;对于那些有审查法术的人(占总体样本的34%),该数字为87%;根据记录(占总体样本的2%),对于82%的患者,至少75%的月报告准确.
    结论:研究结果表明,CPS中月级覆盖率的报告准确性很高,并且该调查可能成为研究覆盖率动态的有价值的新数据源,包括医疗补助计划。
    OBJECTIVE: To evaluate the veracity of self-reports of month-level health insurance coverage in the Current Population Survey Annual Social and Economic Supplement (CPS).
    METHODS: The CHIME (Comparing Health Insurance Measurement Error) study used health insurance enrollment records from a large regional Midwest insurer as sample for primary data collection in spring 2015.
    METHODS: A sample of individuals enrolled in a range of public and private coverage types (including Medicaid and marketplace) was administered the CPS health insurance module, which included questions about month-level coverage, by type, over a 17-18-month time span. Survey data was then matched to enrollment records covering that same time frame, and concordance between the records and self-reports was assessed.
    METHODS: Sample was drawn by the insurer\'s informatics specialists and Census Bureau interviewers conducted the survey. Following data collection, updated enrollment records were matched to the survey data to produce a person-level file of coverage by type at the month-level.
    RESULTS: For 91% of the overall sample, coverage status and type were reported accurately for at least 75% of observed months. Results varied somewhat by stability of coverage. Among those who were continuously covered throughout the 17-18 month observation period (which comprised 64% of the overall sample), that level of reporting accuracy was observed for 94% of the sample; for those who had censored spells (34% of the overall sample), the figure was 87%; and among those with gaps and/or changes according to the records (2% of the overall sample), for 82% of the group at least 75% of months were reported accurately.
    CONCLUSIONS: Findings suggest that reporting accuracy of month-level coverage in the CPS is high and that the survey could become a valuable new data source for studying the dynamics of coverage, including the Medicaid unwinding.
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  • 文章类型: Journal Article
    背景:子宫切除术是美国育龄期患者的常见手术,南方黑人患者的发病率最高。对这些种族差异的原因了解有限。在美国,与基于保险索赔的数据相比,电子病历(EMR)数据可以为生育年龄人群提供更丰富的驱动手术决策的因素细节.我们在这篇队列简介论文中的目标是描述卡罗莱纳州子宫切除术队列(CHC),一个基于EMR的大型病例系列,在美国南部的绝经前子宫切除术患者,补充了人口普查和外科医生许可数据。为了证明数据的一种优势,我们评估患者和外科医生的特征是否因保险付款人类型而异.
    方法:我们使用结构化和抽象的EMR数据来识别和表征在2014年10月2日至2017年12月31日期间在北卡罗来纳州10家医院组成的大型医疗保健系统中接受子宫切除术治疗的18-44岁患者。我们使用卡方检验和KruskalWallis检验来比较患者的社会人口统计学和相关临床特征。和外科医生特征因患者保险付款人而异(公共,私人,无保险)。
    结果:在1857名患者中(包括55%的非西班牙裔白人,30%的非西班牙裔黑人,9%西班牙裔),75%是私人保险,17%是公共保险,7%没有保险。在公共被保险人中,月经过多更为普遍(74%对68%的总体)。在私人保险(62%)和未保险(68%)中,纤维化更为普遍。大多数私人保险患者在非学术医院接受治疗(65%),而大多数公共保险和未保险患者在学术中心接受治疗(66%和86%,分别)。公共保险和未保险的患者的中位出血(公共:7.0,未保险:9.0,私人:5.0)和疼痛(公共:6.0,未保险:6.0,私人:3.0)症状评分高于私人保险。不同付款人组的外科医生特征没有统计学差异。
    结论:这项新颖的研究设计,一个基于EMR的大型病例系列的子宫切除术与医生许可数据和从非结构化临床笔记中手动提取的数据有关,能够比索赔数据更全面地识别和表征不同的生殖年龄患者群体。在这项研究的后续阶段,CHC将利用这些丰富的临床数据来调查子宫切除术的多层次驱动因素,经济上,和临床上不同系列的子宫切除术患者。
    Hysterectomy is a common surgery among reproductive-aged U.S. patients, with rates highest among Black patients in the South. There is limited insight on causes of these racial differences. In the U.S., electronic medical records (EMR) data can offer richer detail on factors driving surgical decision-making among reproductive-aged populations than insurance claims-based data. Our objective in this cohort profile paper is to describe the Carolina Hysterectomy Cohort (CHC), a large EMR-based case-series of premenopausal hysterectomy patients in the U.S. South, supplemented with census and surgeon licensing data. To demonstrate one strength of the data, we evaluate whether patient and surgeon characteristics differ by insurance payor type.
    We used structured and abstracted EMR data to identify and characterize patients aged 18-44 years who received hysterectomies for non-cancerous conditions between 10/02/2014-12/31/2017 in a large health care system comprised of 10 hospitals in North Carolina. We used Chi-squared and Kruskal Wallis tests to compare whether patients\' socio-demographic and relevant clinical characteristics, and surgeon characteristics differed by patient insurance payor (public, private, uninsured).
    Of 1857 patients (including 55% non-Hispanic White, 30% non-Hispanic Black, 9% Hispanic), 75% were privately-insured, 17% were publicly-insured, and 7% were uninsured. Menorrhagia was more prevalent among the publicly-insured (74% vs 68% overall). Fibroids were more prevalent among the privately-insured (62%) and the uninsured (68%). Most privately insured patients were treated at non-academic hospitals (65%) whereas most publicly insured and uninsured patients were treated at academic centers (66 and 86%, respectively). Publicly insured and uninsured patients had higher median bleeding (public: 7.0, uninsured: 9.0, private: 5.0) and pain (public: 6.0, uninsured: 6.0, private: 3.0) symptom scores than the privately insured. There were no statistical differences in surgeon characteristics by payor groups.
    This novel study design, a large EMR-based case series of hysterectomies linked to physician licensing data and manually abstracted data from unstructured clinical notes, enabled identification and characterization of a diverse reproductive-aged patient population more comprehensively than claims data would allow. In subsequent phases of this research, the CHC will leverage these rich clinical data to investigate multilevel drivers of hysterectomy in an ethnoracially, economically, and clinically diverse series of hysterectomy patients.
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  • 文章类型: Journal Article
    在日本,由于缺乏保险,相当多的外国人在获得适当的医疗保健服务方面遇到了挑战。然而,由于缺乏有关这些人的公共数据库,因此很难评估他们的健康问题和医疗服务状况。本研究旨在调查日本脆弱的泰国患者的特征,并阐明他们在日本医疗保健系统中面临的具体挑战。使用2004年至2020年期间需要泰国皇家大使馆在东京提供紧急医疗支持的患者记录进行了回顾性分析。进行描述性统计分析以检查一般特征,保险状况,以及患者的疾病。此外,根据患者在日本的住院时间(1年或1年以上或1年以下),将患者分为长期住院患者或短期住院患者.共确定了74名患者,大多数人(91.9%)缺乏保险。值得注意的是,短暂居民的数量有所增加,包括游客,在2010年代。长期居民更容易患慢性病,而短暂的居民更容易受伤。泰国大使馆的患者记录始终强调了该人群对紧急医疗支持的迫切需求。然而,日本的现行政策不足以充分满足这一弱势群体的医疗保健需求。因此,提供额外的支持和干预措施以改善他们的医疗保健服务至关重要。
    In Japan, a considerable number of foreigners encounter challenges in accessing appropriate healthcare services due to the lack of insurance coverage. However, the absence of a public database on these individuals makes it difficult to assess their health problems and healthcare access status. This study aims to investigate the characteristics of vulnerable Thai patients in Japan and to shed light on the specific challenges they face within Japan\'s healthcare system. A retrospective analysis was conducted using records of patients who required emergency healthcare support from the Royal Thai Embassy in Tokyo between 2004 and 2020. Descriptive statistical analyses were performed to examine the general characteristics, insurance status, and diseases of the patients. Additionally, patients were classified as either prolonged residents or brief residents based on their duration of stay in Japan until hospital admission (1 year or more or less than 1 year). A total of 74 patients were identified, with the majority (91.9%) lacking insurance coverage. Notably, there was an increase in the number of brief residents, including tourists, during the 2010s. Prolonged residents were more likely to experience chronic diseases, whereas brief residents were more prone to sustaining injuries. The patient records from the Thai Embassy consistently highlight the urgent requirement for emergency healthcare support within this population. However, the existing policies in Japan fall short in adequately addressing the healthcare access needs of this vulnerable population. Therefore, it is crucial to provide additional support and interventions to enhance their healthcare access.
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  • 文章类型: Journal Article
    背景:临床和经济评论研究所(ICER)已经在美国医疗保健中发挥了明显的作用。然而,目前尚不清楚美国商业健康计划在其特殊药物承保决策中使用ICER价值评估的程度.目的:评估ICER报告的成本效果比(CERs)与覆盖范围限制性之间的关系。此外,检查计划在其承保政策中引用ICER的频率,并调查在ICER评估后的12个月内,健康计划调整其药物承保标准的频率。方法:我们分析了塔夫茨医学中心专业药物证据和覆盖范围数据库,其中包括17个美国大型商业健康计划发布的特殊药物承保决定。对于ICER评估的药物,我们以获得的每质量调整生命年成本(QALY)的形式记录了ICER的估计CER。首先,我们使用多变量逻辑回归来检验ICER报告的CER与计划覆盖范围限制性之间的关联,当控制其他可能影响决策的因素时。接下来,我们检查了计划在2017-2020年发布的覆盖决策中引用ICER评估的频率。最后,我们检查了计划是否添加或删除了承保限制(例如,患者亚组限制或分步治疗方案)在ICER评估后的12个月内。结果:与CER低于$100,000/QALY的药物相比,计划更严格地涵盖CER较高(较差)的药物:如果每个QALY$100,000-$175,000,则比值比(OR)=4.48;如果每个QALY$175,000-$500,000,则OR=2.00;如果每个QALY$500,000或更高,则OR=2.10(均P<计划在2017年占覆盖政策的0.8%(5/622),2018年占0.6%(5/833),2019年占1.7%(19/1,139),2020年占2.4%(33/1,406)。对于CER低于$175,000/QALY的药物,计划调整了37%的病例覆盖率:20%的病例增加了限制,取消了15%的限制,并添加了一个限制,但在2%中删除了另一个限制。对于CER为175,000美元或以上的药物,计划在29%的情况下改变了覆盖标准:21%的情况下增加了限制,取消了5%的限制,并增加了一个限制,但在4%中删除了另一个限制。结论:我们发现,当控制其他因素时,健康计划的特殊药物承保决定与ICER的估计CER相关。不经常引用ICER价值评估的计划。我们没有观察到与CER低于175,000美元的药物相比,CER为175,000美元或更多的药物的计划更经常缩小覆盖范围的趋势。披露:这项研究得到了一个资助者财团的支持:安进,Genen-tech,Janssen制药公司,Otsuka,GSK。
    BACKGROUND: The Institute for Clinical and Economic Review (ICER) has emerged in a visible role in US health care. However, it is unclear to what extent US commercial health plans use ICER value assessments in their specialty drug coverage decisions. OBJECTIVE: To evaluate the relationship between ICER\'s reported cost-effectiveness ratios (CERs) and coverage restrictiveness. Also, to examine the frequency with which plans have cited ICER in their coverage policies and to investigate how frequently health plans adjusted their drug coverage criteria in the 12 months after ICER\'s assessments. METHODS: We analyzed the Tufts Medical Center Specialty Drug Evidence and Coverage Database, which includes specialty drug coverage decisions issued by 17 large US commercial health plans. For ICER-assessed drugs, we recorded ICER\'s estimated CERs in the form of cost per quality-adjusted life-year (QALY) gained. First, we used multivariate logistic regression to examine the association between ICER\'s reported CERs and plan coverage restrictiveness, when controlling for other factors that were likely to affect decision-making. Next, we examined how often plans cited ICER\'s assessments in coverage decisions issued in years 2017-2020. Lastly, we examined whether plans added or removed coverage restrictions (eg, patient subgroup restrictions or step therapy protocols) in the 12 months following ICER\'s assessment. RESULTS: Plans tended to cover drugs with higher (less favorable) CERs more restrictively than drugs with CERs less than $100,000 per QALY: odds ratio (OR) = 4.48 if $100,000-$175,000 per QALY; OR = 2.00 if $175,000-$500,000 per QALY; and OR = 2.10 if $500,000 or more per QALY (all P < 0.01). Plans cited ICER in 0.8% (5/622) of coverage policies in 2017, 0.6% (5/833) in 2018, 1.7% (19/1,139) in 2019, and 2.4% (33/1,406) in 2020. For drugs with CERs less than $175,000 per QALY, plans adjusted coverage in 37% of cases: added restrictions in 20%, removed restrictions in 15%, and added one restriction but removed another in 2%. For drugs with CERs of $175,000 or more, plans changed coverage criteria in 29% of cases: added restrictions in 21%, removed restrictions in 5%, and added one restriction but removed another in 4%. CONCLUSIONS: We found that when controlling for other factors, health plans\' specialty drug coverage decisions were associated with ICER\'s estimated CERs. Plans infrequently cited ICER value assessments. We did not observe a trend for plans more often narrowing coverage criteria for drugs with CERs $175,000 or more compared with drugs with CERs less than $175,000. DISCLOSURES: This research study was supported by a consortium of funders: Amgen, Genen-tech, Janssen Pharmaceuticals, Otsuka, and GSK.
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  • 文章类型: Journal Article
    Objectives.报告非老年人的基于保险的歧视率,public,或在2011年至2019年之间没有保险,这一时期标志着平价医疗法案(ACA)的通过和实施以及对其的威胁。方法。我们使用了明尼苏达州两年一次的健康获取调查的2011-2019年数据。每一年,大约4000名18至64岁的成年人报告了基于保险的歧视经历。使用逻辑回归,我们研究了基于保险的歧视与(1)社会人口统计学因素和(2)获取指标之间的关联.结果。基于保险的歧视随着时间的推移是稳定的,并且始终与保险类型相关:拥有私人保险的成年人约为4%,而拥有公共保险的成年人(21%)和没有保险的成年人(27%)。基于保险的歧视持续干扰了人们获得所需护理和放弃护理的信心。Conclusions.2011年至2019年的政策变化影响了医疗保险的获得,但是,在有公共保险或没有保险的成年人中,基于保险的歧视率很高,这种变化是不受影响的。公共卫生影响。在通过ACA获得更多健康保险的时期,基于保险的歧视率稳定,这表明了医疗保健不平等的更深层次的结构根源。我们推荐几种策略和系统解决方案。(AmJ公共卫生。2022年12月8日之前在线发布:e1-e11。https://doi.org/10.2105/AJPH.202.307126).
    Objectives. To report insurance-based discrimination rates for nonelderly adults with private, public, or no insurance between 2011 and 2019, a period marked by passage and implementation of the Affordable Care Act (ACA) and threats to it. Methods. We used 2011-2019 data from the biennial Minnesota Health Access Survey. Each year, about 4000 adults aged 18 to 64 years report experiences with insurance-based discrimination. Using logistic regressions, we examined associations between insurance-based discrimination and (1) sociodemographic factors and (2) indicators of access. Results. Insurance-based discrimination was stable over time and consistently related to insurance type: approximately 4% for adults with private insurance compared with adults with public insurance (21%) and no insurance (27%). Insurance-based discrimination persistently interfered with confidence in getting needed care and forgoing care. Conclusions. Policy changes from 2011 to 2019 affected access to health insurance, but high rates of insurance-based discrimination among adults with public insurance or no insurance were impervious to such changes. Public Health Implications. Stable rates of insurance-based discrimination during a time of increased access to health insurance via the ACA suggest deeper structural roots of health care inequities. We recommend several policy and system solutions. (Am J Public Health. 2023;113(2):213-223. https://doi.org/10.2105/AJPH.2022.307126).
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  • 文章类型: Journal Article
    背景:《精神健康均等和成瘾公平法案》(MHPAEA)要求对精神健康和物质使用障碍(MH/SUD)福利的承保范围不比商业健康计划中的医疗/手术福利更具限制性。国家保险部门监督某些计划的执行。执法不足是商业保险参保人之间继续存在MH/SUD待遇差距的潜在来源。这项研究探讨了可能导致执法变化的州一级因素。
    方法:我们进行了一项四州多案例研究,以探索影响州保险公司执行MHPAEA的因素。我们采访了代表州政府办公室的21个人,倡导组织,专业组织和国家保险公司。我们的分析包括案内内容分析和跨案例框架分析。
    结果:共同主题包括保险公司与其他利益相关者的关系,策略复杂性,政治优先。保险公司与其他利益相关者之间的关系在各州之间有所不同。MHPAEA的复杂性对解释和应用提出了挑战。政策拥护者通过保险专员的优先事项影响了执法,州长,和立法机构。如果没有任何行为者优先执行MHPAEA,国家执法力度最小。
    结论:在一个州内,MHPAEA的执行受到保险办事处关系的影响,法律解释,和政治优先事项。这些独特的国家因素对统一执法提出了重大挑战。
    BACKGROUND: The Mental Health Parity and Addiction Equity Act (MHPAEA) requires coverage for mental health and substance use disorder (MH/SUD) benefits to be no more restrictive than for medical/surgical benefits in commercial health plans. State insurance departments oversee enforcement for certain plans. Insufficient enforcement is one potential source of continued MH/SUD treatment gaps among commercial insurance enrollees. This study explored state-level factors that may drive enforcement variation.
    METHODS: The authors conducted a four-state multiple-case study to explore factors influencing state insurance offices\' enforcement of MHPAEA. They interviewed 21 individuals who represented state government offices, advocacy organizations, professional organizations, and a national insurer. Their analysis included a within-case content analysis and a cross-case framework analysis.
    RESULTS: Common themes included insurance office relationships with other stakeholders, policy complexity, and political priority. Relationships between insurance offices and other stakeholders varied between states. MHPAEA complexity posed challenges for interpretation and application. Policy champions influenced enforcement via priorities of insurance commissioners, governors, and legislatures. Where enforcement of MHPAEA was not prioritized by any actors, there was minimal state enforcement.
    CONCLUSIONS: Within a state, enforcement of MHPAEA is influenced by insurance office relationships, legal interpretation, and political priorities. These unique state factors present significant challenges to uniform enforcement.
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  • 文章类型: Journal Article
    背景:2021年11月25日,IFSO-亚太分会(IFSO-APC)2021虚拟会议在线举行,来自亚太地区的代表在“IFSO-APC2010-2020年国家报告”特别会议上介绍了减肥/代谢手术10年的变化和COVID-19的影响。我们在此报告汇总数据。
    方法:国家减肥/代谢手术数据,其中包括2010年和2020年的数据,使用包含10个一般性问题的问卷从代表处收集.在大会上,对数据进行了计算和总结。
    结果:14个国家协会中有13个对调查做出了回应。从2010年到最近几年,肥胖人群(BMI≥30kg/m2)和糖尿病人群均显著增加.8个国家和地区将减肥手术标准的下限扩大到2-5kg/m2(BMI),和5个国家在过去十年中新制定的代谢手术标准。目前有69%的国家运行公共医疗保险系统,比2010年翻了一番。减肥外科医生和机构的数量比2010年增加了三倍多。在2010年,2019年和2020年,IFSO-APC协会的外科医生进行了18,280,66,010和49,553减肥/代谢手术,分别。由于COVID大流行,限制政策大大减少了南亚和东南亚国家的手术机会。最大的变化包括减肥外科医生和机构的数量增加,操作编号,公共保险范围,提高认识,和国家登记系统。
    结论:在过去的10年里,减肥/代谢手术在亚太地区发展迅速。
    On November 25, 2021, the IFSO-Asia-Pacific Chapter (IFSO-APC) Virtual Meeting 2021 was held online, and the representatives from the Asia-Pacific region presented 10 years of change in bariatric/metabolic surgery and the influence of COVID-19 in the special session of \"IFSO-APC National Reports 2010-2020\". We herein report the summarized data.
    National bariatric/metabolic surgery data, which included the data of 2010 and 2020, were collected from the representatives using a questionnaire that consisted of 10 general questions. At the congress, the data were calculated and summarized.
    Thirteen of the 14 national societies responded to the survey. From 2010 to recent years, the populations of individuals with obesity (BMI ≥ 30 kg/m2) and individuals with diabetes both significantly increased. Eight countries and regions expanded the lower limit of criteria for bariatric surgery by 2-5 kg/m2 (BMI), and 5 countries newly established criteria for metabolic surgery in the last ten years. Sixty-nine percent of the countries currently run public health insurance systems, which doubled from 2010. The number of bariatric surgeons and institutions increased more than threefold from 2010. In 2010, 2019, and 2020, surgeons in IFSO-APC societies performed 18,280, 66,010, and 49,553 bariatric/metabolic surgeries, respectively. Due to the COVID pandemic, restriction policies significantly reduced access to surgery in South and Southeast Asian countries. The biggest changes included increased numbers of bariatric surgeons and institutions, operation numbers, public insurance coverage, raising awareness, and national registry systems.
    For the last 10 years, bariatric/metabolic surgery has rapidly grown in the Asia-Pacific region.
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  • 文章类型: Journal Article
    即使有大量补贴,很大一部分人选择放弃购买医疗保险。在本说明中,我介绍了对这种现象的解释,它不假设选择错误,不正确的信念,不同价格的无偿护理,或者信息不对称。当个人无法自由地权衡健康和财富,并且从他们的角度来看,最初的商品分配不是最优的时,在一个良好的世界中,对精算公平保险的需求的标准结果并不能概括到健康保险的背景。因此,人们可能不会购买完整的健康保险,即使它是在精算公平的水平定价。我认为这种情况特别可能发生在低收入人群中,因此,它与实现全民健康覆盖有关。
    Even when heavily subsidized, a substantial portion of people choose to forgo purchasing health insurance coverage. In this note, I introduce an explanation for this phenomenon which does not assume choice errors, incorrect beliefs, differently priced uncompensated care, or information asymmetries. When individuals are incapable of freely trading off health and wealth and the initial allocation of goods is suboptimal from their perspective, the standard result of demand for actuarially fair insurance in a single good world does not generalize to the health insurance context. Thus, people might not purchase full health insurance coverage even if it is priced at actuarially fair levels. I argue that this situation is particularly likely to occur in the low-income population, and hence it is relevant for the achievement of universal health coverage.
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  • 文章类型: Journal Article
    加强护理系统以满足自闭症谱系障碍(ASD)患者的需求变得越来越重要。行政数据为研究和规划目的提供了优势,包括大样本量和识别注册保险和服务使用的能力与个人ASD。研究人员采用了不同的策略来识别行政数据中患有ASD的个体。这些策略的差异可能会限制研究结果的可比性。这篇综述描述了在美国索赔数据库中用于识别患有ASD的个体的不同策略的含义,考虑到每种方法的优点和局限性。
    Strengthening systems of care to meet the needs of individuals with autism spectrum disorder (ASD) is of growing importance. Administrative data provide advantages for research and planning purposes, including large sample sizes and the ability to identify enrollment in insurance coverage and service utilization of individuals with ASD. Researchers have employed varying strategies to identify individuals with ASD in administrative data. Differences in these strategies can limit the comparability of results across studies. This review describes implications of the varying strategies that have been employed to identify individuals with ASD in US claims databases, with consideration of the strengths and limitations of each approach.
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  • 文章类型: Journal Article
    The Portuguese health system has the peculiar characteristic of being a Beveridge-Bismarck type aiming at universal coverage. On top of the national health system coverage, there is a second coverage provided to some professionals, plus a third layer of coverage that can be acquired by taking out voluntary private health insurance. The aim of this work is to ascertain whether people benefiting from supplemental multi-layer health coverage (on top of the existing National Health System) have more consultations, either with general practitioners or with specialists, and enjoy better health status. We used data from the National Health Survey from 2014 to estimate a recursive system of ordered probits. The main results confirm that multi-layer health coverage is correlated with the use of more specialist consultations, but not with more GP consultations. It is also correlated with better health status. These results may indicate the existence of moral hazard, induced demand and/or \'access effect\'. Regarding policy matters, the measures aimed to reduce waiting times, improve patient choice, and increase access could counteract such results and mitigate the potential inequity of access and health status, and also excessive use of medical services that can happen under double health coverage.
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