|
KMID : 0904520190510010153
|
|
Health and Medical Sociology
2019 Volume.51 No. 1 p.153 ~ p.176
|
|
|
Effect of the coverage of fee-for-service medical insurance on the healthcare utilization
|
|
Oh Ha-Lynn
|
|
|
Abstract
|
|
|
|
This study purposes to analyze the changes brought about in the behavior of insurance subscribers in their use of medical services as a result of the reduction in the range of coverage, through the comparison of the aspects of excessive use of medical services due to moral hazard of new subscribers prior to and after the standardization of fee-for-service medical insurance. Empirical analysis was carried out utilizing the propensity score matching and double difference coupled model through the use of 2008~2013 data in the Korea Health Panel. The key results are as follows. First, when the behavior in the use of outpatient medical services is compared prior to and following new subscription of fee-for-service medical insurance, although the annual average number of the use of outpatient medical services increased by about 1, it is not at a statistically significant level. On the other hand, the annual average outpatient fees paid increased substantially more after the subscription. Second, the increase in the outpatient fees paid following new subscription to the fee-for-service medical insurance was found to be greater in the event of having subscribed to fee-for-service medical insurance with greater range of insurance coverage. The results of this study empirically demonstrate that subscription to fee-for-service medical insurance leads to increase in medical costs after the subscription by inducing moral hazard in individuals, and the greater the range of insurance coverage, the greater the increase in medical costs. On the other hand, there was no significant increase in the number of use of outpatient medical services. It is anticipated that more abundant implications can be obtained if the causes of the increase in the use of medical services are analyzed in greater detail for each case in the future
|
|
|
KEYWORD
|
|
|
Fee-for-service medical insurance, Reduced Coverage, Korea Health Panel Study, Propensity score matching, Difference-in-difference model
|
|
|
FullTexts / Linksout information
|
|
|
|
|
|
Listed journal information
|
|
|
|