Details

Subject(s)

• Health insurance—United States [Browse]
• Consumers—United States [Browse]

Related name

• United States. Department of Health and Human Services [Browse]
• Rand Corporation [Browse]

Series

R (Rand Corporation). [More in this series]

Summary note

This report describes how much families know about their health insurance coverage and investigates whether consumer education and simplified benefit structures would improve knowledge. Families' perceptions about their insurance benefits were measured in two household surveys administered in six sites. Knowledge was assessed by comparing families' responses with policy data collected from the carrier. The vast majority of families understand insurance policies that specify one or two parameters in their benefit provisions. However, more complex payment structures are not well understood. Increased exposure to the plans' information leads to increased knowledge, suggesting that education programs could improve the general level of knowledge. The author concludes that if market strategies for allocating medical resources are pursued, simplifying insurance benefit structures and consumer education would aid consumers in making more informed economic choices about medical care.

Notes

• "R-2753-HHS."
• "Prepared under a grant from the U.S. Department of Health and Human Services."
• "July 1981."

Other format(s)

Available in PDF form online.

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