{"product_id":"9780792317227","title":"Developments in Health Economics and Public Policy","description":"\u003ch1\u003eDevelopments in Health Economics and Public Policy\u003c\/h1\u003e \u003ch2\u003eWaser, Otto; Zweifel, Peter\u003c\/h2\u003e \u003cp\u003eConfronted with the continuing cost expansion in the health  care sector, policy makers face a dilemma: limiting moral hazard in  medical care requires that consumers participate in the cost, yet  copayment is strongly resisted by today's socially insured. Thus, the  experiences of three private German health insurers will be of  interest to physicians, social scientists, and policy makers. Insurer  A writes conventional plans with deductibles and coinsurance; B pays  back three-monthly premiums as a fixed rebate for no claims; while C  runs an experience-rated bonus system starting with a rebate of  three-monthly premiums for the first year without a claim, reaching a  maximum of five after three years. While both rebates and bonuses are  quite popular among insureds, this study shows that bonus options are  particularly effective in limiting the demand for ambulatory and even  hospital care. But what about adverse effects on health caused by the  desire to save one's bonus? On this issue, there is some surprising  evidence. \u003cbr\u003e\u003c\/p\u003e \u003ch3\u003eDetails\u003c\/h3\u003e \u003cp\u003ePublished by: Springer\u003c\/p\u003e \u003cp\u003ePublication Date: 1992-05-31\u003c\/p\u003e \u003cp\u003eFormat: Hardcover\u003c\/p\u003e \u003cp\u003eISBN-13: 9780792317227\u003c\/p\u003e \u003cp\u003eDOI: 10.1007\/978-94-011-2530-7\u003c\/p\u003e \u003cp\u003eDimensions: 235cm x155cm\u003c\/p\u003e \u003cp\u003ePages: 143\u003c\/p\u003e ","brand":"Springer Netherlands","offers":[{"title":"Default Title","offer_id":46312113635468,"sku":"9780792317227","price":152.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0710\/9545\/1788\/files\/9780792317227.jpg?v=1771518954","url":"https:\/\/fh90cf-fv.myshopify.com\/products\/9780792317227","provider":"Late Knight Books and Services, LLC","version":"1.0","type":"link"}