Literature DB >> 10846510

What people really know about their health insurance: a comparison of information obtained from individuals and their insurers.

D E Nelson1, B L Thompson, N J Davenport, L J Penaloza.   

Abstract

OBJECTIVES: This study determined the validity of self-reported data on selected health insurance characteristics.
METHODS: We obtained telephone survey data on the presence of health insurance, source of insurance, length of time insured, and type of insurance (managed care or fee-for-service) from a random sample of 351 adults in 3 Wisconsin counties and compared findings with data from respondents' health insurers.
RESULTS: More than 97% of the respondents correctly reported that they were currently insured. For source of insurance among persons aged 18 to 64 years, sensitivity was high for those covered through private health insurance (93.8%) but low for those covered through public insurance (6.7%). Only 33.1% of the respondents accurately categorized length of enrollment in their current plan. Overall estimates for managed care enrollment were similar for the 2 sources, but individual validity was low: 84.2% of those in fee-for-service believed that they were in managed care.
CONCLUSIONS: Information obtained from the general population about whether they have health insurance is valid, but self-reported data on source of insurance, length of time insured, and type of insurance are suspect and should be used cautiously.

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Mesh:

Year:  2000        PMID: 10846510      PMCID: PMC1446267          DOI: 10.2105/ajph.90.6.924

Source DB:  PubMed          Journal:  Am J Public Health        ISSN: 0090-0036            Impact factor:   9.308


  11 in total

1.  Americans compare managed care, Medicare, and fee-for-service.

Authors:  R J Blendon; R A Knox; M Brodie; J M Benson; G Chervinsky
Journal:  J Am Health Policy       Date:  1994 May-Jun

2.  Consumer information and biased selection in the demand for coverage supplementing Medicare.

Authors:  B N Davidson; S Sofaer; P Gertler
Journal:  Soc Sci Med       Date:  1992-05       Impact factor: 4.634

3.  Differences in rates of cancer screening by usual source of medical care. Data from the 1987 National Health Interview Survey.

Authors:  A B Bernstein; G B Thompson; L C Harlan
Journal:  Med Care       Date:  1991-03       Impact factor: 2.983

4.  Choosing among health insurance options: a study of new employees.

Authors:  D Mechanic; T Ettel; D Davis
Journal:  Inquiry       Date:  1990       Impact factor: 1.730

5.  The design of the community tracking study: a longitudinal study of health system change and its effects on people.

Authors:  P Kemper; D Blumenthal; J M Corrigan; P J Cunningham; S M Felt; J M Grossman; L T Kohn; C E Metcalf; R F St Peter; R C Strouse; P B Ginsburg
Journal:  Inquiry       Date:  1996       Impact factor: 1.730

6.  State-and sex-specific prevalence of selected characteristics--behavioral risk factor surveillance system, 1994 and 1995.

Authors:  E Powell-Griner; J E Anderson; W Murphy
Journal:  MMWR CDC Surveill Summ       Date:  1997-08-01

7.  How sophisticated are consumers about the medical care delivery system?

Authors:  J P Newhouse; J E Ware; C A Donald
Journal:  Med Care       Date:  1981-03       Impact factor: 2.983

8.  The effects of having a regular doctor on access to primary care.

Authors:  J M Lambrew; G H DeFriese; T S Carey; T C Ricketts; A K Biddle
Journal:  Med Care       Date:  1996-02       Impact factor: 2.983

9.  How well do Americans understand their health coverage?

Authors:  D W Garnick; A M Hendricks; K E Thorpe; J P Newhouse; K Donelan; R J Blendon
Journal:  Health Aff (Millwood)       Date:  1993       Impact factor: 6.301

10.  Consumers' knowledge about their health insurance coverage.

Authors:  M S Marquis
Journal:  Health Care Financ Rev       Date:  1983
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  26 in total

1.  Effects of cost sharing on care seeking and health status: results from the Medical Outcomes Study.

Authors:  M D Wong; R Andersen; C D Sherbourne; R D Hays; M F Shapiro
Journal:  Am J Public Health       Date:  2001-11       Impact factor: 9.308

2.  Welfare reform and health insurance: consequences for parents.

Authors:  Jane L Holl; Kristen Shook Slack; Amy Bush Stevens
Journal:  Am J Public Health       Date:  2005-02       Impact factor: 9.308

3.  State trends in uninsurance among individuals aged 18 to 64 years: United States, 1992-2001.

Authors:  David E Nelson; Julie Bolen; Henry E Wells; Suzanne M Smith; Shayne Bland
Journal:  Am J Public Health       Date:  2004-11       Impact factor: 9.308

4.  State and metropolitan variation in lack of health insurance among working-age adults, Behavioral Risk Factor Surveillance System, 2006.

Authors:  Indu B Ahluwalia; Julie Bolen; William S Pearson; Michael Link; William Garvin; Ali Mokdad
Journal:  Public Health Rep       Date:  2009 Jan-Feb       Impact factor: 2.792

5.  A model to decompose the performance of supplementary private health insurance markets.

Authors:  Reiner Leidl
Journal:  Int J Health Care Finance Econ       Date:  2008-06-22

6.  Lack of health insurance coverage among working-age adults, evidence from the Behavioral Risk Factor Surveillance System, 1993-2006.

Authors:  Indu B Ahluwalia; Julie Bolen
Journal:  J Community Health       Date:  2008-10

7.  Assessing the validity and reliability of three indicators self-reported on the pregnancy risk assessment monitoring system survey.

Authors:  Indu B Ahluwalia; Kristen Helms; Brian Morrow
Journal:  Public Health Rep       Date:  2013 Nov-Dec       Impact factor: 2.792

8.  Assessing the accuracy of survey reports of health insurance coverage using enrollment data.

Authors:  Joanne Pascale; Angela R Fertig; Kathleen Thiede Call
Journal:  Health Serv Res       Date:  2019-07-09       Impact factor: 3.402

9.  Did the Affordable Care Act's Dependent Coverage Expansion Affect Race/Ethnic Disparities in Health Insurance Coverage?

Authors:  Joshua Breslau; Bing Han; Bradley D Stein; Rachel M Burns; Hao Yu
Journal:  Health Serv Res       Date:  2017-06-08       Impact factor: 3.402

10.  High deductible health plans: does cost sharing stimulate increased consumer sophistication?

Authors:  Neal Gupta; Daniel Polsky
Journal:  Health Expect       Date:  2012-12-12       Impact factor: 3.377

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