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Biomedical subjects

S M Skillman

Publications and source records attributed to S M Skillman.

7 recordsLinked to original sources
PubMed2000

Risk adjusting capitation: applications in employed and disabled populations.

Risk adjustment may be a sensible strategy to reduce selection bias because it links managed care payment directly to the costs of providing services. In this paper we compare risk adjustment models in two populations (public employees and their dependents, and publicly-insured low income individuals with disabilities) in Washington State using two statistical approaches and three health status measures. We conclude that a two-part logistic/GLM statistical model performs better in populations with large numbers of individuals who do not use health services. This model was successfully implemented in the employed population, but the managed care program for the publicly insured population was terminated before risk adjustment could be applied. The choice of the most appropriate health status measure depends on purchasers' principles and desired outcomes.

Adolescent↗
PubMed1998

State-sponsored programs for the uninsured: is there adverse selection?

Risk contracting by states for coverage of previously uninsured populations has been hampered by uncertainty regarding likely claims experience. This study reports on the utilization experience of two state programs offering subsidized coverage in commercial managed care organizations to low-income and previously uninsured people. Program participants used services similarly to people enrolled through large employer benefit plans. There was no evidence of pent-up demand or an unusual level of chronic illness. Similarly, there was little evidence of underutilization, although dissatisfaction and reported barriers to service were more frequent among nonwhite enrollees.

Adolescent↗
PubMed1997

Health care utilization for the "newly insured": results from the Washington Basic Health Plan.

The risk of providing coverage for low-income people formerly without insurance is unknown. We conducted an evaluation to describe the use of services from 1989-1992 for members of the Basic Health Plan (BHP), a subsidized health insurance program for low-income individuals in the state of Washington. There was evidence of pent-up demand for care for those who had been without insurance for more than a year. Overall, members in the BHP program were not high users of care, although one of the three plans we examined had significantly higher utilization than the other two. BHP total expenditures were comparable to those for state employees and lower than those for Medicaid recipients.

Adolescent↗
PubMed1995

Voluntary public health insurance for low-income families: the decision to enroll.

A dominant issue in the health reform debate is whether insurance coverage should be voluntary or mandatory. Clearly, the factors that determine who will seek voluntary coverage are relevant to this policy issue. This article uses experience from Washington State's Basic Health Plan to examine the enrollment choices of low-income families in a state-subsidized voluntary insurance plan offered through managed care organizations. We hypothesize that the decision to enroll, which encompasses the decisions to purchase insurance coverage and to select a particular plan, is influenced by four factors: the family's financial vulnerability, their risk perception, the price of coverage, and the transition costs of enrolling. Our enrollment model is supported by the data and has important implications for the design of voluntary programs. Families who choose to enroll are more likely to have a female head of household, young children, and a family member who has a part-time job and some college education. Higher premiums and availability of other insurance coverage decrease the probability of enrolling.

Adult↗