1. DOES IT MATTER WHO PAYS FOR AUTO INJURIES?
- Author
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Heaton, Paul and Helland, Eric
- Subjects
United States. Centers for Medicare and Medicaid Services ,Traffic accidents ,Insurance companies ,Personal injuries ,Health insurance ,Health insurance industry ,Insurance industry ,Business ,Insurance ,Insurance Research Council - Abstract
In many states, auto insurers rather than health insurers pay for a substantial fraction of the medical care following auto crashes. We examine whether payer identity affects the care received by auto injury patients. A 2003 Colorado reform shifted a large fraction of auto injury patients from coverage through auto insurers to the traditional health insurance system. Despite negligible changes in auto injury characteristics during this period, treatment supply increased following the reform. Procedure use rose by 5-10 percent and billed charges rose by 5 percent. These changes reflect an increase in resources devoted to treatment, yet do not improve mortality., INTRODUCTION Although policy discussions of medical payment reform in the United States focus largely on Medicare, Medicaid, and private health insurers, property and casualty (P&C) insurers play an important role [...]
- Published
- 2019
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