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首页> 外文期刊>Journal of substance abuse treatment >Private insurance and the utilization of chemical dependency treatment.
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Private insurance and the utilization of chemical dependency treatment.

机译：私人保险和化学依赖治疗的利用。

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摘要

This study examines how different types of health coverage influence the likelihood of entering treatment for an alcohol problem, and the extent that people in treatment are able to use their insurance to help cover the costs of care. Survey data are analyzed from a sample of problem drinkers drawn from the general population and chemical dependency treatment programs in the same community. We find that, in comparison to being on Medicaid and being uninsured, having private coverage does not significantly alter the odds of treatment entry. Being in a private managed care plan, as compared to traditional indemnity coverage, also does not appear to impact the chances of treatment entry. However, having private coverage, as compared to being on Medicare, doubles the odds of treatment entry. For problem drinkers who obtain treatment, those with private coverage are as or more likely than other insured groups to report that insurance helped to pay treatment expenses. Even so, 10% of those privately insured report having paid for all of their treatment costs out of pocket. We conclude that, while prior studies have rarely found that having insurance significantly impacts alcohol treatment entry, the type of coverage one possesses may matter in some cases. Our results concerning Medicare coverage may point to potential problems with making treatment affordable to some problem drinkers outside the private insurance system.
机译：这项研究研究了不同类型的健康保险如何影响因酒精问题而接受治疗的可能性，以及接受治疗的人能够使用其保险来帮助支付医疗费用的程度。调查数据是从同一社区的一般人群和化学依赖治疗计划中抽取的问题饮酒者样本进行分析的。我们发现，与享受医疗补助和未投保相比，拥有私人保险不会显着改变接受治疗的几率。与传统的赔偿范围相比，加入私人管理式护理计划似乎也不会影响进入治疗的机会。但是，与使用Medicare相比，拥有私人承保范围使进入治疗的几率翻了一番。对于获得治疗的有问题的饮酒者来说，拥有私人保险的人比其他被保险人更有可能报告说保险有助于支付治疗费用。即使这样，仍有10％的私人投保人自掏腰包支付了所有治疗费用。我们得出的结论是，尽管先前的研究很少发现拥有保险会严重影响酒精治疗的进入，但是在某些情况下，个人所拥有的承保范围可能会很重要。我们有关Medicare承保范围的结果可能表明，在私人保险体系之外，某些有问题的饮酒者可以负担得起治疗的潜在问题。

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