TABLE D-1. POS versus Indemnity Insurance Choice (Employer A - Full Sample) Probit Regression Results | |||
---|---|---|---|
Independent Variables | Parameter Estimates | Standard Errors | Incremental Effects1, 2 |
Constant | .0238 | (0.058)** | 0.095 |
DEMOGRAPHIC CHARACTERISTICS | |||
Gender | 0.164 | (0.019)** | 0.065 |
Age | -0.016 | (0.001)** | -0.006 |
Metropolitan statistical area | 0.595 | (0.025)** | 0.237 |
EMPLOYMENT STATUS | |||
Early retiree | -0.297 | (0.022)** | -0.118 |
DISABILITY STATUS | |||
Activity limiting condition | -0.030 | (0.019) | -0.012 |
Mental per se disability only | -0.050 | (0.038) | -0.020 |
Physical and mental per se disability | -0.238 | (0.054)** | -0.095 |
Percent correctly predicted (overall)3 | 61.124 | ||
POS | 62.472 | ||
Indemnity | 60.128 | ||
*, ** denote p< = 0.05 and 0.01,
respectively. Results for Employer A are based on 1995 data only.
|
TABLE D-2. Number of Admissions
(Employer A) Non-Linear Least-Squares Regressions |
||||
---|---|---|---|---|
Independent Variables | Selection Model1 | Non-Endogenous Model2 | ||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -4.305 | (1.051)** | -4.058 | (0.535)** |
INSURANCE CHOICE | ||||
POS 1995 | 0.374 | (1.296) | 0.001 | (0.042) |
DEMOGRAPHIC CHARACTERISTICS | ||||
Gender | 0.332 | (0.103)** | 0.355 | (0.057)** |
Age | 0.056 | (0.024)** | 0.053 | (0.022)** |
Age squared | -0.564 | (0.227)** | -0.561 | (0.227)** |
Metropolitan statistical area | -0.427 | (0.282) | -0.351 | (0.057)** |
EMPLOYMENT STATUS | ||||
Early retiree | 0.186 | (0.150) | 0.146 | (0.055)** |
HEALTH CONDITIONS | ||||
Number of unique MDCs 1995 | 0.227 | (0.008)** | 0.227 | (0.008)** |
DISABILITY STATUS | ||||
Activity limiting condition | 0.609 | (0.057)** | 0.605 | (0.055)** |
Mental per se disability only | -0.117 | (0.117) | -0.123 | (0.114) |
Physical and mental per se disability | 0.482 | (0.154)** | 0.452 | (0.092)** |
SELECTION PARAMETER | ||||
Theta1 | -0.228 | (0.785) | | |
Sum of Squared Residuals3 | 10024.672 | 10025.089 | ||
* significant at the p = .05 level. **
significant at the p = .01 level. Results for Employer A are based on 1995 data
only.
|
TABLE D-3. Number of Hospital Days
(Employer A) Non-Linear Least-Squares Regressions |
||||
---|---|---|---|---|
Independent Variables | Selection Model1 | Non-Endogenous Model2 | ||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -5.237 | (1.728)** | -4.549 | (1.689)** |
INSURANCE CHOICE | ||||
POS 1995 | 0.998 | (1.638) | 0.090 | (0.115) |
DEMOGRAPHIC CHARACTERISTICS | ||||
Gender | 0.031 | (0.223) | 0.081 | (0.184) |
Age | 0.113 | (0.065)* | 0.106 | (0.072) |
Age squared | -1.006 | (0.719) | -0.986 | (0.761) |
Metropolitan statistical area | -0.258 | (0.230) | -0.112 | (0.123) |
EMPLOYMENT STATUS | ||||
Early retiree | 0.503 | (0.223)** | 0.411 | (0.146)** |
HEALTH CONDITIONS | ||||
Number of unique MDCs 1995 | 0.292 | (0.022)** | 0.292 | (0.022)** |
DISABILITY STATUS | ||||
Activity limiting condition | 0.655 | (0.108)** | 0.643 | (0.105)** |
Mental per se disability only | -0.122 | (0.177) | -0.134 | (0.173) |
Physical and mental per se disability | 1.004 | (0.229)** | 0.938 | (0.172)** |
SELECTION PARAMETER | ||||
Theta1 | -0.542 | (0.958) | | --- |
Sum of Squared Residuals3 | 1059482.700 | 1059571.500 | ||
* significant at the p = .05 level. **
significant at the p = .01 level. Results for Employer A are based on 1995 data
only.
|
TABLE D-4. Number of Outpatient
Visits (Employer A) Non-Linear Least-Squares Regressions |
||||
---|---|---|---|---|
Independent Variables | Selection Model1 | Non-Endogenous Model2 | ||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | 1.208 | (0.332)** | 1.174 | (0.139)** |
INSURANCE CHOICE | ||||
POS 1995 | 0.027 | (0.525) | 0.083 | (0.013)** |
DEMOGRAPHIC CHARACTERISTICS | ||||
Gender | 0.028 | (0.035) | 0.025 | (0.014)* |
Age | 0.030 | (0.006)** | 0.030 | (0.006)** |
Age squared | -0.342 | (0.062)** | -0.342 | (0.062)** |
Metropolitan statistical area | -0.009 | (0.119) | -0.021 | (0.017) |
EMPLOYMENT STATUS | ||||
Early retiree | 0.083 | (0.062) | 0.090 | (0.017)** |
HEALTH CONDITIONS | ||||
Number of unique MDCs 1995 | 0.179 | (0.003)** | 0.179 | (0.003)** |
DISABILITY STATUS | ||||
Activity limiting condition | 0.091 | (0.015)** | 0.092 | (0.014)** |
Mental per se disability only | 0.170 | (0.026)** | 0.171 | (0.024)** |
Physical and mental per se disability | 0.187 | (0.055)** | 0.192 | (0.030)** |
SELECTION PARAMETER | ||||
Theta1 | 0.035 | (0.325) | | --- |
Sum of Squared Residuals3 | 3085123.200 | 3085131.000 | ||
* significant at the p = .05 level. **
significant at the p = .01 level. Results for Employer A are based on 1995 data
only.
|
TABLE D-5. Any Rehabilitation Services (Employer A) Non-Linear Least-Squares and Probit Regressions | ||||
---|---|---|---|---|
Independent Variables | Selection Model1 | Non-Endogenous Model2 | ||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -5.440 | (0.689)** | -2.475 | (0.286)** |
INSURANCE CHOICE | ||||
POS 1995 | 3.001 | (0.439)** | 0.241 | (0.026)** |
DEMOGRAPHIC CHARACTERISTICS | ||||
Gender | -0.137 | (0.052)** | -0.022 | (0.029) |
Age | 0.058 | (0.200)** | -0.301 | (0.012) |
Age squared | -0.589 | (0.200)** | -0.301 | (0.127)** |
Metropolitan statistical area | -0.681 | (0.105)** | -0.114 | (0.036)** |
EMPLOYMENT STATUS | ||||
Early retiree | 0.420 | (0.078)** | 0.083 | (0.036)** |
HEALTH CONDITIONS | ||||
Number of unique MDCs 1995 | 0.169 | (0.014)** | 0.133 | (0.006)** |
DISABILITY STATUS | ||||
Activity limiting condition | 0.598 | (0.065)** | 0.361 | (0.031)** |
Mental per se disability only | 0.017 | (0.110) | -0.200 | (0.066)** |
Physical and mental per se disability | 0.236 | (0.127)* | -0.038 | (0.073) |
SELECTION PARAMETER | ||||
Theta1 | -1.523 | (0.221)** | | --- |
Sum of Squared Residuals3 | 1638.004 | |||
Likelihood Function4 | -6029.884 | |||
* significant at the p = .05 level. **
significant at the p = .01 level. Results for Employer A are based on 1995 data
only.
|
TABLE D-6. Inpatient Payments
(Employer A) Non-Linear Least-Squares Regressions |
||||
---|---|---|---|---|
Independent Variables | Selection Model1 | Non-Endogenous Model2 | ||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -6.462 | (2.830)** | -5.775 | (2.079)** |
INSURANCE CHOICE | ||||
POS 1995 | 0.913 | (1.431) | -0.007 | (0.171) |
DEMOGRAPHIC CHARACTERISTICS | ||||
Gender | 0.505 | (0.125)** | 0.558 | (0.117)** |
Age | 0.152 | (0.091)* | 0.144 | (0.082)* |
Age squared | -1.625 | (0.990)* | -1.597 | (0.943)* |
Metropolitan statistical area | -0.390 | (0.227)* | -0.217 | (0.094)** |
EMPLOYMENT STATUS | ||||
Early retiree | 0.550 | (0.389) | 0.444 | (0.293) |
HEALTH CONDITIONS | ||||
Number of unique MDCs 1995 | 0.265 | (0.032)** | 0.264 | (0.031)** |
DISABILITY STATUS | ||||
Activity limiting condition | 0.907 | (0.134)** | 0.899 | (0.130)** |
Mental per se disability only | -1.068 | (0.167)** | -1.085 | (0.169)** |
Physical and mental per se disability | 0.295 | (0.210) | 0.226 | (0.215) |
SELECTION PARAMETER | ||||
Theta1 | -0.551 | (0.768) | | --- |
Sum of Squared Residuals3 | 190562.730 | 190584.18 | ||
* significant at the p = .05 level. **
significant at the p = .01 level. Results for Employer A are based on 1995 data
only.
|
TABLE D-7. Outpatient Payments
(Employer A) Non-Linear Least-Squares Regressions |
||||
---|---|---|---|---|
Independent Variables | Selection Model1 | Non-Endogenous Model2 | ||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -3.056 | (0.763)** | -2.171 | (0.440)** |
INSURANCE CHOICE | ||||
POS 1995 | 1.017 | (0.620)* | -0.148 | (0.043)** |
DEMOGRAPHIC CHARACTERISTICS | ||||
Gender | 0.171 | (0.051)** | 0.230 | (0.048)** |
Age | 0.045 | (0.021)** | 0.035 | (0.019)* |
Age squared | -0.503 | (0.219)** | -0.470 | (0.208)** |
Metropolitan statistical area | -0.421 | (0.126)** | -0.204 | (0.058)** |
EMPLOYMENT STATUS | ||||
Early retiree | 0.264 | (0.085)** | 0.148 | (0.063)** |
HEALTH CONDITIONS | ||||
Number of unique MDCs 1995 | 0.247 | (0.010)** | 0.246 | (0.009)** |
DISABILITY STATUS | ||||
Activity limiting condition | 0.150 | (0.066)** | 0.140 | (0.065)** |
Mental per se disability only | -0.413 | (0.057)** | -0.430 | (0.056)** |
Physical and mental per se disability | -0.011 | (0.119) | -0.096 | (0.105) |
SELECTION PARAMETER | ||||
Theta1 | -0.699 | (0.349)** | | --- |
Sum of Squared Residuals3 | 28345.365 | 28360.222 | ||
* significant at the p = .05 level. **
significant at the p = .01 level. Results for Employer A are based on 1995 data
only.
|
TABLE D-8. Total Payments (Employer A) Non-Linear Least-Squares Regressions | ||||
---|---|---|---|---|
Independent Variables | Selection Model1 | Non-Endogenous Model2 | ||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -3.637 | (1.337)** | -2.948 | (1.049)** |
INSURANCE CHOICE | ||||
POS 1995 | 0.832 | (0.750) | -0.098 | (0.084) |
DEMOGRAPHIC CHARACTERISTICS | ||||
Gender | 0.358 | (0.071)** | 0.409 | (0.065)** |
Age | 0.087 | (0.045)* | 0.079 | (0.042)* |
Age squared | -0.950 | (0.487)* | -0.925 | (0.474)* |
Metropolitan statistical area | -0.404 | (0.140)** | -0.227 | (0.059)** |
EMPLOYMENT STATUS | ||||
Early retiree | 0.389 | (0.177)** | 0.290 | (0.143)** |
HEALTH CONDITIONS | ||||
Number of unique MDCs 1995 | 0.253 | (0.016)** | 0.253 | (0.016)** |
DISABILITY STATUS | ||||
Activity limiting condition | 0.494 | (0.071)** | 0.486 | (0.070)** |
Mental per se disability only | -0.592 | (0.077)** | -0.606 | (0.075)** |
Physical and mental per se disability | 0.185 | (0.126) | 0.115 | (0.116) |
SELECTION PARAMETER | ||||
Theta1 | -0.560 | (0.419) | | --- |
Sum of Squared Residuals3 | 247929.590 | 247988.620 | ||
* significant at the p = .05 level. **
significant at the p = .01 level. Results for Employer A are based on 1995 data
only.
|
TABLE D-9. Insurance Choice (Employer A - Prescription Drug Subsample) Probit Regression Results | |||
---|---|---|---|
Independent Variables | Parameter Estimates |
Standard Errors |
Incremental Effects1,2 |
Constant | -0.299 | (0.071)** | -0.114 |
DEMOGRAPHIC CHARACTERISTICS | |||
Gender | 0.193 | (0.023)** | 0.074 |
Age | -0.008 | (0.001)** | -0.003 |
Metropolitan statistical area | 0.486 | (0.029)** | 0.186 |
EMPLOYMENT STATUS | |||
Early retiree | -0.268 | (0.025)** | -0.102 |
DISABILITY STATUS | |||
Activity limiting condition | -0.029 | (0.022) | -0.011 |
Mental per se disability only | -0.076 | (0.046)* | -0.029 |
Physical and mental per se disability | -0.247 | (0.064)** | -0.095 |
Percent correctly predicted (overall)3 | 30.637 | ||
POS | 12.261 | ||
Indemnity | 91.442 | ||
*, ** denote p <= .05 and 0.01,
respectively. Results for Employer A are based on 1995 data only. Drug
subsample includes prescription users only.
|
TABLE D-10. Number of Prescriptions
(Employer A) Non-Linear Least-Squares Regressions |
||||
---|---|---|---|---|
Independent Variables | Selection Model1 | Non-Endogenous Model2 | ||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | 0.011 | (0.388) | -0.061 | (0.254) |
INSURANCE CHOICE | ||||
POS 1995 | -0.400 | (0.789) | -0.222 | (0.017)** |
DEMOGRAPHIC CHARACTERISTICS | ||||
Gender | -0.080 | (0.059) | -0.092 | (0.019)** |
Age | 0.099 | (0.011)** | 0.100 | (0.010)** |
Age squared | -0.959 | (0.105)** | -0.960 | (0.106)** |
Metropolitan statistical area | -0.101 | (0.139) | -0.130 | (0.022)** |
EMPLOYMENT STATUS | ||||
Early retiree | 0.294 | (0.082)** | 0.311 | (0.023)** |
HEALTH CONDITIONS | ||||
Number of unique MDCs 1995 | 0.103 | (0.004)** | 0.103 | (0.004)** |
DISABILITY STATUS | ||||
Activity limiting condition | 0.096 | (0.021)** | 0.097 | (0.019)** |
Mental per se disability only | 0.006 | (0.044) | 0.011 | (0.037) |
Physical and mental per se disability | 0.169 | (0.090)* | 0.184 | (0.049)** |
SELECTION PARAMETER | ||||
Theta1 | 0.110 | (0.488) | | --- |
Sum of Squared Residuals3 | 5042909.900 | 5042984.100 | ||
* significant at the p = .05 level. **
significant at the p = .01 level. Results for Employer A are based on 1995 data
only. Drug subsample includes prescription users only.
|
TABLE D-11. Prescription Payments
(Employer A) Non-Linear Least-Squares Regressions |
||||
---|---|---|---|---|
Independent Variables | Selection Model1 | Non-Endogenous Model2 | ||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -3.277 | (0.517)** | -3.095 | (0.459)** |
INSURANCE CHOICE | ||||
POS 1995 | 0.257 | (0.545) | -0.145 | (0.026)** |
DEMOGRAPHIC CHARACTERISTICS | ||||
Gender | 0.095 | (0.044)** | 0.119 | (0.032)** |
Age | 0.102 | (0.018)** | 0.101 | (0.018)** |
Age squared | -1.108 | (0.180)** | -1.104 | (0.180)** |
Metropolitan statistical area | -0.153 | (0.096) | -0.091 | (0.037)** |
EMPLOYMENT STATUS | ||||
Early retiree | 0.513 | (0.068)** | 0.476 | (0.041)** |
HEALTH CONDITIONS | ||||
Number of unique MDCs 1995 | 0.119 | (0.007)** | 0.119 | (0.007)** |
DISABILITY STATUS | ||||
Activity limiting condition | 0.088 | (0.031)** | 0.084 | (0.031)** |
Mental per se disability only | -0.125 | (0.050)** | -0.135 | (0.048)** |
Physical and mental per se disability | 0.143 | (0.077)* | 0.111 | (0.062)* |
SELECTION PARAMETER | ||||
Theta1 | -0.243 | (0.324) | | --- |
Sum of Squared Residuals3 | 22302.240 | 22303.277 | ||
* significant at the p = .05 level. **
significant at the p = .01 level. Results for Employer A are based on 1995 data
only. Drug subsample includes prescription users only.
|
TABLE D-12. Total Payments Including Prescription Payments (Employer A) Non-Linear Least-Squares Regressions | ||||
---|---|---|---|---|
Independent Variables | Selection Model1 | Non-Endogenous Model2 | ||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -3.058 | (1.278)** | -3.308 | (1.128)** |
INSURANCE CHOICE | ||||
POS 1995 | -0.911 | (1.434) | -0.099 | (0.102) |
DEMOGRAPHIC CHARACTERISTICS | ||||
Gender | 0.433 | (0.094)** | 0.377 | (0.068)** |
Age | 0.100 | (0.045)** | 0.102 | (0.045)** |
Age squared | -1.180 | (0.482)** | -1.178 | (0.495)** |
Metropolitan statistical area | -0.056 | (0.251) | -0.202 | (0.060)** |
EMPLOYMENT STATUS | ||||
Early retiree | 0.256 | (0.257) | 0.343 | (0.145)** |
HEALTH CONDITIONS | ||||
Number of unique MDCs 1995 | 0.242 | (0.017)** | 0.243 | (0.016)** |
DISABILITY STATUS | ||||
Activity limiting condition | 0.487 | (0.072)** | 0.495 | (0.068)** |
Mental per se disability only | -0.649 | (0.076)** | -0.632 | (0.074)** |
Physical and mental per se disability | | | | --- |
SELECTION PARAMETER | ||||
Theta1 | 0.502 | (0.850) | | --- |
Sum of Squared Residuals3 | 1904084.230 | 194096.570 | ||
* significant at the p = .05 level. **
significant at the p = .01 level. Results for Employer A are based on 1995 data
only. Drug subsample includes prescription users only.
|
TABLE D-13. HMO versus Indemnity Insurance Choice (Employer B) Results from Probit Regressions | ||||||
---|---|---|---|---|---|---|
Independent Variables | Model 1 | Model 2 | ||||
Parameter Estimates |
Standard Errors |
Incremental Effects1,2 |
Parameter Estimates |
Standard Errors |
Incremental Effects1,2 |
|
Constant | 1.089 | (0.049)** | 0.425 | 1.000 | (0.048)** | 0.391 |
DEMOGRAPHIC CHARACTERISTICS | ||||||
Gender | 0.030 | (0.018)* | 0.012 | 0.052 | (0.017)** | 0.020 |
Age | -0.025 | (0.001)** | -0.010 | -0.025 | (0.001)** | -0.010 |
Child | 0.035 | (0.038) | 0.014 | -0.015 | (0.038) | -0.006 |
INSURANCE STATUS | ||||||
Spouse | 0.031 | (0.021) | 0.012 | 0.035 | (0.021)* | 0.014 |
Dependent | -0.615 | (0.046)** | -0.240 | -0.576 | (0.046)** | -0.225 |
EMPLOYMENT STATUS | ||||||
Early Retiree | -0.366 | (0.029)** | -0.143 | -0.373 | (0.029)** | -0.146 |
PAST HEALTH CARE USAGE | ||||||
Number of outpatient claim-days 1994 | -0.008 | (0.001)** | -0.003 | | | --- |
Number of admissions 1994 | 0.023 | (0.015) | 0.009 | | | --- |
DISABILITY STATUS | ||||||
Activity limiting condition | -0.002 | (0.019) | -0.001 | -0.020 | (0.019) | -0.008 |
Mental per se disability only | -0.020 | (0.029) | -0.008 | -0.039 | (0.029) | -0.015 |
Physical and mental per se disability | -0.103 | (0.040)** | -0.040 | -0.164 | (0.040)** | -0.064 |
Percent Correctly Predicted3 | 63.160 | 62.484 | ||||
HMO | 47.016 | 44.972 | ||||
Indemnity | 75.082 | 75.418 | ||||
* significant at the p = .05 level. **
significant at the p = .01 level. Model 1 (columns 1-3) used 1994 utilization
measures as predictors of insurance choice, while Model 2 (columns 4-6)
excluded these 1994 variables.
|
TABLE D-14. Number of Admissions
(Employer B) Non-Linear Least-Squares Regressions |
||||||
---|---|---|---|---|---|---|
Independent Variables | Selection Model 11 | Selection Model 21 | Non-Endogenous Model2 | |||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -2.367 | (0.652)** | -3.532 | (1.850)* | -4.358 | (0.668)** |
INSURANCE CHOICE | ||||||
HMO 1995 | -2.111 | (0.717)** | -0.906 | (2.704) | 0.094 | (0.071) |
DEMOGRAPHIC CHARACTERISTICS | ||||||
Gender | 0.340 | (0.069)** | 0.351 | (0.075)** | 0.330 | (0.070)** |
Age | -0.007 | (0.024) | 0.013 | (0.032) | 0.023 | (0.026) |
Age Squared | 0.000 | (0.000) | 0.000 | (0.000) | 0.000 | (0.000) |
Child | 0.017 | (0.368) | -0.086 | (0.392) | -0.086 | (0.393) |
INSURANCE STATUS | ||||||
Spouse | 0.252 | (0.083)** | 0.227 | (0.100)** | 0.215 | (0.083)** |
Dependent | -0.885 | (0.580) | -0.344 | (0.791) | -0.109 | (0.642) |
EMPLOYMENT STATUS | ||||||
Early Retiree | -0.155 | (0.158) | 0.002 | (0.427) | 0.135 | (0.101) |
HEALTH CONDITIONS | ||||||
Number of unique MDCs 1995 | 0.237 | (0.015)** | 0.261 | (0.016)** | 0.260 | (0.016)** |
DISABILITY STATUS | ||||||
Activity limiting condition | 0.639 | (0.089)** | 0.648 | (0.087)** | 0.655 | (0.086)** |
Mental per se disability only | -0.752 | (0.136)** | -0.733 | (0.138)** | -0.718 | (0.137)** |
Physical and mental per se disability | 0.234 | (0.108)** | 0.267 | (0.174) | 0.327 | (0.107)** |
SELECTION PARAMETER | ||||||
Theta | 1.319 | (0.395)** | 0.616 | (1.644) | | --- |
Sum of Squared Residuals3 | 11338.523 | 11375.722 | 11377.612 | |||
* significant at the p = .05 level. **
significant at the p = .001 level. Model 1 (columns 1-3) used 1994 utilization
measures as predictors of insurance choice, while Model 2 (columns 4-6)
excluded these 1994 variables.
|
TABLE D-15. Number of Hospital Days
(Employer B) Non-Linear Least-Squares Regressions |
||||||
---|---|---|---|---|---|---|
Independent Variables | Selection Model 11 | Selection Model 21 | Non-Endogenous Model2 | |||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -5.731 | (3.288)* | -3.850 | (7.109) | -4.243 | (1.154)** |
INSURANCE CHOICE | ||||||
HMO 1995 | 1.481 | (2.245) | -0.102 | (8.121) | 0.344 | (0.167)** |
DEMOGRAPHIC CHARACTERISTICS | ||||||
Gender | 0.629 | (0.171)** | 0.585 | (0.206)** | 0.575 | (0.140)** |
Age | 0.092 | (0.061) | 0.069 | (0.101) | 0.073 | (0.042)* |
Age Squared | -0.001 | (0.000) | -0.001 | (0.000) | -0.001 | (0.000) |
Child | -1.011 | (0.724) | -0.817 | (0.710) | -0.823 | (0.721) |
INSURANCE STATUS | ||||||
Spouse | -0.045 | (0.116) | -0.026 | (0.140) | -0.030 | (0.111) |
Dependent | 1.475 | (1.440) | 0.878 | (2.482) | 0.989 | (1.061) |
EMPLOYMENT STATUS | ||||||
Early Retiree | 0.443 | (0.221)** | 0.311 | (1.102) | 0.369 | (0.156)** |
HEALTH CONDITIONS | ||||||
Number of unique MDCs 1995 |
0.314 | (0.033)** | 0.295 | (0.022)** | 0.295 | (0.023)** |
DISABILITY STATUS | ||||||
Activity limiting condition | 0.822 | (0.130)** | 0.779 | (0.153)** | 0.784 | (0.136)** |
Mental per se disability only | -0.752 | (0.276)** | -0.722 | (0.271)** | -0.717 | (0.266)** |
Physical and mental per se disability | 0.318 | (0.204) | 0.311 | (0.504) | 0.336 | (0.196)* |
SELECTION PARAMETER | ||||||
Theta | -0.604 | (1.123) | 0.271 | (4.981) | | --- |
Sum of Squared Residuals3 | 1090223.900 | 1090503.600 | 1090536.300 | |||
* significant at the p = .05 level. **
significant at the p = .001 level. Model 1 (columns 1-3) used 1994 utilization
measures as predictors of insurance choice, while Model 2 (columns 4-6)
excluded these 1994 variables.
|
TABLE D-16. Number of Outpatient
Visits (Employer B) Non-Linear Least-Squares Regressions |
||||||
---|---|---|---|---|---|---|
Independent Variables | Selection Model 11 | Selection Model 21 | Non-Endogenous Model2 | |||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | 3.300 | (0.098)** | ||||
INSURANCE CHOICE | ||||||
HMO 1995 | -2.597 | (0.134)** | -0.687 | (0.654) | -0.093 | (0.013)** |
DEMOGRAPHIC CHARACTERISTICS | ||||||
Gender | 0.044 | (0.020)** | 0.022 | (0.018) | 0.011 | (0.013) |
Age | -0.010 | (0.003)** | -0.004 | (0.007) | 0.002 | (0.004) |
Age Squared | 0.000 | (0.000)** | 0.000 | (0.000) | 0.000 | (0.000) |
Child | 0.212 | (0.041)** | 0.190 | (0.031)** | 0.194 | (0.029)** |
INSURANCE STATUS | ||||||
Spouse | 0.008 | (0.024)* | -0.006 | (0.017) | -0.013 | (0.015) |
Dependent | -0.643 | (0.067)** | -0.348 | (0.155)** | -0.212 | (0.060)** |
EMPLOYMENT STATUS | ||||||
Early Retiree | -0.329 | (0.039)** | -0.058 | (0.093) | 0.018 | (0.018) |
HEALTH CONDITIONS | ||||||
Number of unique MDCs 1995 | 0.148 | (0.003)** | 0.170 | (0.003)** | 0.170 | (0.003)** |
DISABILITY STATUS | ||||||
Activity limiting condition | 0.131 | (0.020)** | 0.140 | (0.014)** | 0.144 | (0.013)** |
Mental per se disability only | 0.137 | (0.030)** | 0.170 | (0.022)** | 0.178 | (0.018)** |
Physical and mental per se disability | 0.061 | (0.043)* | 0.169 | (0.047**) | 0.204 | (0.025)** |
SELECTION PARAMETER | ||||||
Theta | 1.499 | (0.060)** | 0.366 | (0.402) | | --- |
Sum of Squared Residuals3 | 2696310.200 | 2979464.400 | 2981116.400 | |||
* significant at the p = .05 level. **
significant at the p = .001 level. Model 1 (columns 1-3) used 1994 utilization
measures as predictors of insurance choice, while Model 2 (columns 4-6)
excluded these 1994 variables.
|
TABLE D-17. Any Rehabilitation Services (Employer B) Non-Linear Least-Squares and Probit Regressions | ||||||
---|---|---|---|---|---|---|
Independent Variables | Selection Model 11 | Selection Model 21 | Non-Endogenous Model2 | |||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -0.305 | (0.261) | -1.443 | (0.571)** | -1.877 | (0.125)** |
INSURANCE CHOICE | ||||||
HMO 1995 | -2.891 | (0.361)** | -0.681 | (0.812) | 0.049 | (0.022)** |
DEMOGRAPHIC CHARACTERISTICS | ||||||
Gender | 0.002 | (0.042) | -0.019 | (0.029) | -0.046 | (0.022)** |
Age | -0.019 | (0.009)** | -0.002 | (0.009) | -0.001 | (0.005) |
Age Squared | 0.000 | (0.000) | 0.000 | (0.000) | 0.000 | (0.000) |
Child | 0.220 | (0.098)** | 0.134 | (0.059)** | 0.157 | (0.051)** |
INSURANCE STATUS | ||||||
Spouse | 0.057 | (0.048) | 0.017 | (0.031) | 0.010 | (0.025) |
Dependent | -0.918 | (0.180)** | -0.313 | (0.215) | -0.227 | (0.084)** |
EMPLOYMENT STATUS | ||||||
Early Retiree | -0.366 | (0.083)** | -0.045 | (0.119) | 0.029 | (0.033) |
HEALTH CONDITIONS | ||||||
Number of unique MDCs 1995 | 0.158 | (0.012)** | 0.123 | (0.011)** | 0.118 | (0.005)** |
DISABILITY STATUS | ||||||
Activity limiting condition | 0.762 | (0.067)** | 0.529 | (0.047)** | 0.500 | (0.024)** |
Mental per se disability only | -0.120 | (0.081) | -0.056 | (0.052) | -0.105 | (0.041)** |
Physical and mental per se disability | -0.207 | (0.093)** | -0.062 | (0.075) | -0.023 | (0.046) |
SELECTION PARAMETER | ||||||
Theta | 1.916 | (0.235)** | 0.456 | (0.511) | | --- |
Sum of Squared Residuals3 | 2780.254 | 2814.017 | ||||
Likelihood Function4 | -9158.997 | |||||
* significant at the p = .05 level. **
significant at the p = .001 level. Model 1 (columns 1-3) used 1994 utilization
measures as predictors of insurance choice, while Model 2 (columns 4-6)
excluded these 1994 variables.
|
TABLE D-18. Inpatient Payments
(Employer B) Non-Linear Least-Squares Regressions |
||||||
---|---|---|---|---|---|---|
Independent Variables | Selection Model 11 | Selection Model 21 | Non-Endogenous Model2 | |||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -4.719 | (1.928)** | -3.416 | (2.059)* | -4.536 | (1.077)** |
INSURANCE CHOICE | ||||||
HMO 1995 | 0.035 | (1.423) | -1.503 | (2.576) | -0.140 | (0.125) |
DEMOGRAPHIC CHARACTERISTICS | ||||||
Gender | 0.552 | (0.121)** | 0.580 | (0.139)** | 0.551 | (0.120)** |
Age | 0.051 | (0.050) | 0.034 | (0.050) | 0.049 | (0.043) |
Age Squared | 0.000 | (0.000) | 0.000 | (0.000) | 0.000 | (0.000) |
Child | -0.444 | (0.627) | -0.451 | (0.633) | -0.437 | (0.637) |
INSURANCE STATUS | ||||||
Spouse | 0.009 | (0.092) | 0.025 | (0.098) | 0.010 | (0.093) |
Dependent | 0.367 | (0.998) | -0.006 | (0.965) | 0.315 | (0.825) |
EMPLOYMENT STATUS | ||||||
Early Retiree | 0.214 | (0.221) | 0.009 | (0.383) | 0.196 | (0.166) |
HEALTH CONDITIONS | ||||||
Number of unique MDCs 1995 | 0.298 | (0.024)** | 0.296 | (0.023)** | 0.296 | (0.023)** |
DISABILITY STATUS | ||||||
Activity limiting condition | 0.993 | (0.107)** | 0.981 | (0.109)** | 0.991 | (0.107)** |
Mental per se disability only | -1.360 | (0.190)** | -1.383 | (0.195)** | -1.361 | (0.190)** |
Physical and mental per se disability | -0.285 | (0.186) | -0.376 | (0.254) | -0.291 | (0.170)* |
SELECTION PARAMETER | ||||||
Theta | -0.103 | (0.846) | 0.835 | (1.523) | | --- |
Sum of Squared Residuals3 | 127052.140 | 127033.910 | 127053.160 | |||
* significant at the p = .05 level. **
significant at the p = .001 level. Model 1 (columns 1-3) used 1994 utilization
measures as predictors of insurance choice, while Model 2 (columns 4-6)
excluded these 1994 variables.
|
TABLE D-19. Outpatient Payments
(Employer B) Non-Linear Least-Squares Regressions |
||||||
---|---|---|---|---|---|---|
Independent Variables | Selection Model 11 | Selection Model 21 | Non-Endogenous Model2 | |||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | 0.473 | (0.337) | -1.261 | (1.601) | -1.877 | (0.285)** |
INSURANCE CHOICE | ||||||
HMO 1995 | -3.713 | (0.553)** | -1.061 | (2.051) | -0.349 | (0.047)** |
DEMOGRAPHIC CHARACTERISTICS | ||||||
Gender | 0.295 | (0.059)** | 0.244 | (0.062)** | 0.230 | (0.047)** |
Age | 0.007 | (0.010) | 0.027 | (0.021) | 0.035 | (0.012)** |
Age Squared | 0.000 | (0.000)** | 0.000 | (0.000)** | 0.000 | (0.000)** |
Child | 0.449 | (0.132)** | 0.382 | (0.128)** | 0.389 | (0.129)** |
INSURANCE STATUS | ||||||
Spouse | 0.043 | (0.059) | 0.017 | (0.058) | 0.008 | (0.052) |
Dependent | -0.918 | (0.187)** | -0.338 | (0.501) | -0.171 | (0.199) |
EMPLOYMENT STATUS | ||||||
Early Retiree | -0.410 | (0.097)** | -0.042 | (0.277) | 0.049 | (0.062) |
HEALTH CONDITIONS | ||||||
Number of unique MDCs 1995 | 0.193 | (0.012)** | 0.228 | (0.011)** | 0.228 | (0.011)** |
DISABILITY STATUS | ||||||
Activity limiting condition | 0.205 | (0.050)** | 0.226 | (0.048)** | 0.231 | (0.042)** |
Mental per se disability only | -0.501 | (0.060)** | -0.445 | (0.059)** | -0.435 | (0.047)** |
Physical and mental per se disability | -0.280 | (0.098)** | -0.159 | (0.152) | -0.118 | (0.089) |
SELECTION PARAMETER | ||||||
Theta | 1.910 | (0.252)** | 0.439 | (1.250) | | --- |
Sum of Squared Residuals3 | 146241.980 | 149576.720 | 149593.530 | |||
* significant at the p = .05 level. **
significant at the p = .001 level. Model 1 (columns 1-3) used 1994 utilization
measures as predictors of insurance choice, while Model 2 (columns 4-6)
excluded these 1994 variables.
|
TABLE D-20. Total Expenditures
(Employer B) Non-Linear Least-Squares Regressions |
||||||
---|---|---|---|---|---|---|
Independent Variables | Selection Model 11 | Selection Model 21 | Non-Endogenous Model2 | |||
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
Parameter Estimates |
Standard Errors |
|
Constant | -0.839 | (0.596) | -2.017 | (1.899) | -2.788 | (0.541)** |
INSURANCE CHOICE | ||||||
HMO 1995 | -2.483 | (0.582)** | -1.150 | (2.378) | -0.244 | (0.067)** |
DEMOGRAPHIC CHARACTERISTICS | ||||||
Gender | 0.412 | (0.067)** | 0.405 | (0.080)** | 0.386 | (0.061)** |
Age | 0.015 | (0.020) | 0.033 | (0.032) | 0.043 | (0.022)** |
Age Squared | 0.000 | (0.000)* | 0.000 | (0.000)* | 0.000 | (0.000)* |
Child | 0.131 | (0.292) | 0.084 | (0.322) | 0.092 | (0.324) |
INSURANCE STATUS | ||||||
Spouse | 0.039 | (0.057) | 0.030 | (0.061) | 0.019 | (0.054) |
Dependent | -0.574 | (0.425) | -0.164 | (0.733) | 0.049 | (0.481) |
EMPLOYMENT STATUS | ||||||
Early Retiree | -0.189 | (0.122) | -0.002 | (0.324) | 0.116 | (0.086) |
HEALTH CONDITIONS | ||||||
Number of unique MDCs 1995 | 0.234 | (0.013)** | 0.260 | (0.011)** | 0.259 | (0.011)** |
DISABILITY STATUS | ||||||
Activity limiting condition | 0.503 | (0.051)** | 0.522 | (0.054)** | 0.529 | (0.049)** |
Mental per se disability only | -0.733 | (0.067)** | -0.718 | (0.077)** | -0.705 | (0.067)** |
Physical and mental per se disability | -0.303 | (0.105)** | -0.243 | (0.108 | -0.189 | (0.090)** |
SELECTION PARAMETER | ||||||
Theta | 1.344 | (0.322)** | 0.558 | (1.444) | | --- |
Sum of Squared Residuals3 | 191982.670 | 193014.760 | 193048.310 | |||
* significant at the p = .05 level. **
significant at the p = .001 level. Model 1 (columns 1-3) used 1994 utilization
measures as predictors of insurance choice, while Model 2 (columns 4-6)
excluded these 1994 variables.
|
TABLE D-21. Estimated Incremental Effects1 of POS Choice on Utilization and Expenditure Measures (Employer A) | ||||
---|---|---|---|---|
Mean/Median Value |
Selection Model2 |
Selection Parameter3 |
Non- Endogeneous Model4 |
|
HEALTH CARE USAGE | ||||
Number of Hospital Admissions | n.s. | n.s. | n.s. | |
Number of Hospital Days | n.s. | n.s. | n.s. | |
Number of Outpatient Visits | 15.745 | n.s. | n.s. | -1.254 |
Any Rehabilitation Services | 0.330 | | 0.034 | |
EXPENDITURES | ||||
Inpatient Payments | n.s. | n.s. | n.s. | |
Outpatient Payments | 1529.000 (median) |
2698.513 | | -210.343 |
Total Payments | n.s. | n.s. | n.s. | |
PRESCRIPTION DRUG MEASUREMENTS5 | ||||
Number of Prescriptions | 18.146 | n.s. | n.s. | -3.627 |
Prescription Payments | 552.625 (median) |
n.s. | n.s. | -74.592 |
Total Payments Including Prescriptions | n.s. | n.s. | n.s. | |
n.s. indicates parameter estimate
insignificant at conventional levels.
|
TABLE D-22. Estimated Incremental Effects1 of HMO Choice on Utilization and Expenditure Measures (Employer A) | |||||
---|---|---|---|---|---|
Mean/ Median Value |
Selection Model 12 |
Selection Parameter |
Selection Model 12 |
Non- Endogeneous Model3 |
|
HEALTH CARE USAGE | |||||
Number of Hospital Admissions | 0.218 | -0.192 | + | n.s. | n.s. |
Number of Hospital Days | 1.311 | n.s. | n.s. | n.s. | 0.538 |
Number of Outpatient Visits | 15.287 | -14.152 | + | n.s. | -1.358 |
Any Rehabilitation Services | 0.157 | -0.355 | + | n.s. | 0.011 |
EXPENDITURES | |||||
Inpatient Payments | n.s. | n.s. | n.s. | n.s. | |
Outpatient Payments | 1499.000 (median) |
-1413.638 | + | n.s. | -426.885 |
Total Payments | 1555.000 (median) |
-1425.169 | + | n.s. | -336.677 |
n.s. = Indicates parameter estimates
insignificant at conventional levels.
|
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