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One Fish, Two Fish, Red Fish, Blue Fish: Effects of Price Frames, Brand Names, and Choice Set Size in Medicare Part D Insurance Plan Decisions

机译:一条鱼,两条鱼,红色鱼,蓝色鱼:Medicare D部分保险计划决策中价格框架,品牌名称和选择集大小的影响

摘要

Because many seniors choose Medicare Part D plans offering poorer coverage at greater cost, the authors examined the effect of price frames, brand names, and choice set size on participantsu27 ability to choose the lowest cost plan. A 2×2×2 within-subjects design was used with 126 participants aged 18 to 91 years old. Mouselab, a web-based program, allowed participants to choose drug plans across eight trials that varied using numeric or symbolic prices, real or fictitious drug plan names, and three or nine drug plan options. Results from the multilevel models suggest numeric versus symbolic prices decreased the likelihood of choosing the lowest cost plan (-8.0 percentage points, 95% confidence interval=-14.7 to -0.9). The likelihood of choosing the lowest cost plan decreased as the amount of information increased suggesting that decision cues operated independently and collectively when selecting a drug plan. Redesigning the current Medicare Part D plan decision environment could improve seniorsu27 drug plan choices.
机译:由于许多老年人选择的Medicare Part D计划提供的覆盖范围更广,成本更高,因此作者研究了价格框架,品牌名称和选择集大小对参与者选择最低成本计划的能力的影响。采用2×2×2受试者内部设计,对126名年龄在18至91岁之间的参与者进行了设计。 Mouselab是一个基于Web的程序,允许参与者在八项试验中选择药物方案,这些试验使用数字或符号价格,真实或虚构的药物方案名称以及三个或九个药物方案选项进行选择。多级模型的结果表明,数字价格和象征性价格降低了选择最低成本计划的可能性(-8.0个百分点,95%置信区间= -14.7至-0.9)。随着信息量的增加,选择最低成本计划的可能性降低,这表明在选择药物计划时,决策线索是独立和集体运作的。重新设计当前的Medicare D部分计划决策环境可以改善老年人的药物计划选择。

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