IDEAS home Printed from https://ideas.repec.org/a/eee/hepoli/v126y2022i7p693-703.html
   My bibliography  Save this article

To what degree are health insurance enrollees in the Netherlands aware of the restrictive conditions attached to their policies?

Author

Listed:
  • van der Hulst, Frank J.P.
  • Holst, Laurens
  • Brabers, Anne E.M.
  • de Jong, Judith D.

Abstract

Within the Dutch healthcare system of managed competition, health insurers can contract healthcare providers selectively. Enrollees who choose a health insurance policy with restrictive conditions will have to make a co-payment if they consult a non-contracted provider. This study aims to gain insight into enrollees' awareness of the conditions of such health insurance policies.

Suggested Citation

  • van der Hulst, Frank J.P. & Holst, Laurens & Brabers, Anne E.M. & de Jong, Judith D., 2022. "To what degree are health insurance enrollees in the Netherlands aware of the restrictive conditions attached to their policies?," Health Policy, Elsevier, vol. 126(7), pages 693-703.
  • Handle: RePEc:eee:hepoli:v:126:y:2022:i:7:p:693-703
    DOI: 10.1016/j.healthpol.2022.05.006
    as

    Download full text from publisher

    File URL: http://www.sciencedirect.com/science/article/pii/S0168851022001191
    Download Restriction: Full text for ScienceDirect subscribers only

    File URL: https://libkey.io/10.1016/j.healthpol.2022.05.006?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Bes, Romy E. & Curfs, Emile C. & Groenewegen, Peter P. & de Jong, Judith D., 2017. "Selective contracting and channelling patients to preferred providers: A scoping review," Health Policy, Elsevier, vol. 121(5), pages 504-514.
    2. Boonen, Lieke H. H. M. & Schut, Frederik T., 2011. "Preferred providers and the credible commitment problem in health insurance: first experiences with the implementation of managed competition in the Dutch health care system," Health Economics, Policy and Law, Cambridge University Press, vol. 6(2), pages 219-235, April.
    3. Loewenstein, George & Friedman, Joelle Y. & McGill, Barbara & Ahmad, Sarah & Linck, Suzanne & Sinkula, Stacey & Beshears, John & Choi, James J. & Kolstad, Jonathan & Laibson, David & Madrian, Brigitte, 2013. "Consumers’ misunderstanding of health insurance," Journal of Health Economics, Elsevier, vol. 32(5), pages 850-862.
    4. Lieke H. H. M. Boonen & Frederik T. Schut & Xander Koolman, 2008. "Consumer channeling by health insurers: natural experiments with preferred providers in the Dutch pharmacy market," Health Economics, John Wiley & Sons, Ltd., vol. 17(3), pages 299-316, March.
    5. Groenewegen, Peter P. & Hansen, Johan & de Jong, Judith D., 2019. "Trust in times of health reform," Health Policy, Elsevier, vol. 123(3), pages 281-287.
    6. Stolper, Karel C.F. & Boonen, Lieke H.H.M. & Schut, Frederik T. & Varkevisser, Marco, 2019. "Managed competition in the Netherlands: Do insurers have incentives to steer on quality?," Health Policy, Elsevier, vol. 123(3), pages 293-299.
    7. repec:mpr:mprres:2864 is not listed on IDEAS
    8. van de Ven, Wynand P.M.M. & Beck, Konstantin & Buchner, Florian & Schokkaert, Erik & Schut, F.T. (Erik) & Shmueli, Amir & Wasem, Juergen, 2013. "Preconditions for efficiency and affordability in competitive healthcare markets: Are they fulfilled in Belgium, Germany, Israel, the Netherlands and Switzerland?," Health Policy, Elsevier, vol. 109(3), pages 226-245.
    9. Thomson, Sarah & Busse, Reinhard & Crivelli, Luca & van de Ven, Wynand & Van de Voorde, Carine, 2013. "Statutory health insurance competition in Europe: A four-country comparison," Health Policy, Elsevier, vol. 109(3), pages 209-225.
    10. Loewenstein, George & Friedman, Joelle Y. & McGill, Barbara & Ahmad, Sarah & Linck, Suzanne & Sinkula, Stacey & Beshears, John Leonard & Choi, James J. & Kolstad, Jonathan & Laibson, David I. & Madria, 2013. "Consumers’ Misunderstanding of Health Insurance," Scholarly Articles 17190506, Harvard University Department of Economics.
    11. Maarse, Hans & Jeurissen, Patrick, 2019. "Low institutional trust in health insurers in Dutch health care," Health Policy, Elsevier, vol. 123(3), pages 288-292.
    12. A Victoor & A E M Brabers & T E M van Esch & J D de Jong, 2019. "An assessment of the Dutch experience with health insurers acting as healthcare advisors," PLOS ONE, Public Library of Science, vol. 14(11), pages 1-13, November.
    13. Alan T. Sorensen, 2003. "Insurer‐hospital bargaining: negotiated discounts in post‐deregulation connecticut," Journal of Industrial Economics, Wiley Blackwell, vol. 51(4), pages 469-490, December.
    14. Lieke Boonen & Frederik Schut & Bas Donkers & Xander Koolman, 2009. "Which preferred providers are really preferred? Effectiveness of insurers’ channeling incentives on pharmacy choice," International Journal of Health Economics and Management, Springer, vol. 9(4), pages 347-366, December.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Ardvin Kester S. Ong & Yogi Tri Prasetyo & Kate Nicole M. Tayao & Klint Allen Mariñas & Irene Dyah Ayuwati & Reny Nadlifatin & Satria Fadil Persada, 2022. "Socio-Economic Factors Affecting Member’s Satisfaction towards National Health Insurance: An Evidence from the Philippines," IJERPH, MDPI, vol. 19(22), pages 1-24, November.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Bes, Romy E. & Curfs, Emile C. & Groenewegen, Peter P. & de Jong, Judith D., 2017. "Selective contracting and channelling patients to preferred providers: A scoping review," Health Policy, Elsevier, vol. 121(5), pages 504-514.
    2. Noort, Bart A.C. & Ahaus, Kees & van der Vaart, Taco & Chambers, Naomi & Sheaff, Rod, 2020. "How healthcare systems shape a purchaser’s strategies and actions when managing chronic care," Health Policy, Elsevier, vol. 124(6), pages 628-638.
    3. Nicolet, Anna & Perraudin, Clémence & Krucien, Nicolas & Wagner, Joël & Peytremann-Bridevaux, Isabelle & Marti, Joachim, 2023. "Preferences of older adults for healthcare models designed to improve care coordination: Evidence from Western Switzerland," Health Policy, Elsevier, vol. 132(C).
    4. de Vries, Hein & Vahl, Jos & Muris, Jean & Evers, Silvia & van der Horst, Henriëtte & Cheung, Kei Long, 2021. "Effects of the reform of the Dutch healthcare into managed competition: Results of a Delphi study among experts," Health Policy, Elsevier, vol. 125(1), pages 27-33.
    5. van Dijk, T.S. (Tessa) & van der Scheer, W.K. (Wilma) & Janssen, R.T.J.M. (Richard), 2021. "Power, legitimacy and urgency: Unravelling the relationship between Dutch healthcare organisations and their financial stakeholders," Health Policy, Elsevier, vol. 125(8), pages 1077-1084.
    6. Holst, Laurens & Rademakers, Jany J.D.J.M. & Brabers, Anne E.M. & de Jong, Judith D., 2022. "Measuring health insurance literacy in the Netherlands – First results of the HILM-NL questionnaire," Health Policy, Elsevier, vol. 126(11), pages 1157-1162.
    7. Nathaniel Hendren & Camille Landais & Johannes Spinnewijn, 2021. "Choice in Insurance Markets: A Pigouvian Approach to Social Insurance Design," Annual Review of Economics, Annual Reviews, vol. 13(1), pages 457-486, August.
    8. Patricia H. Born & E. Tice Sirmans, 2019. "Regret in health insurance post‐purchase behavior," Risk Management and Insurance Review, American Risk and Insurance Association, vol. 22(2), pages 207-219, July.
    9. Stolper, Karel C.F. & Boonen, Lieke H.H.M. & Schut, Frederik T. & Varkevisser, Marco, 2022. "Do health insurers use target marketing as a tool for risk selection? Evidence from the Netherlands," Health Policy, Elsevier, vol. 126(2), pages 122-128.
    10. Remers, Toine E.P. & Wackers, Erik M.E. & van Dulmen, Simone A. & Jeurissen, Patrick P.T., 2022. "Towards population-based payment models in a multiple-payer system: the case of the Netherlands," Health Policy, Elsevier, vol. 126(11), pages 1151-1156.
    11. Howard Kunreuther & Mark Pauly, 2022. "Do people have a bias for low deductible insurance?," Journal of Risk and Uncertainty, Springer, vol. 64(1), pages 1-17, February.
    12. Groenewegen, Peter P. & Hansen, Johan & de Jong, Judith D., 2019. "Trust in times of health reform," Health Policy, Elsevier, vol. 123(3), pages 281-287.
    13. Anell, Anders & Dietrichson, Jens & Ellegård, Lina Maria & Kjellsson, Gustav, 2021. "Information, switching costs, and consumer choice: Evidence from two randomised field experiments in Swedish primary health care," Journal of Public Economics, Elsevier, vol. 196(C).
    14. Strobl, Renate, 2022. "Background risk, insurance and investment behaviour: Experimental evidence from Kenya," Journal of Economic Behavior & Organization, Elsevier, vol. 202(C), pages 34-68.
    15. Joseph P. Newhouse, 2023. "The Design of the RAND Health Insurance Experiment: A Retrospective," Evaluation Review, , vol. 47(1), pages 11-42, February.
    16. Anderson, David M. & Hoagland, Alex & Zhu, Ed, 2024. "Medical bill shock and imperfect moral hazard," Journal of Public Economics, Elsevier, vol. 236(C).
    17. Mochhoury, Sarah, 2023. "Central bank communication and trust: an experimental study on the European Central Bank and the general public," Working Paper Series 2824, European Central Bank.
    18. A Victoor & A E M Brabers & T E M van Esch & J D de Jong, 2019. "An assessment of the Dutch experience with health insurers acting as healthcare advisors," PLOS ONE, Public Library of Science, vol. 14(11), pages 1-13, November.
    19. Akaichi, Faical & Costa-Font, Joan & Frank, Richard, 2020. "Uninsured by Choice? A choice experiment on long term care insurance," Journal of Economic Behavior & Organization, Elsevier, vol. 173(C), pages 422-434.
    20. Chandeni S. Gajadien & Peter J. G. Dohmen & Frank Eijkenaar & Frederik T. Schut & Erik M. Raaij & Richard Heijink, 2023. "Financial risk allocation and provider incentives in hospital–insurer contracts in The Netherlands," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 24(1), pages 125-138, February.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:eee:hepoli:v:126:y:2022:i:7:p:693-703. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Catherine Liu or the person in charge (email available below). General contact details of provider: http://www.elsevier.com/locate/healthpol .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.