

Do HMOs Make a Difference?
Summary and Implications
Winter 1999/2000
Inquiry, vol.36, no.4 (Winter 1999/2000): 419-425
Peter Kemper, James D. Reschovsky, Ha T. Tu
Abstract:
he findings of this study of the effects of health maintenance
organizations (HMOs) have implications for consumers choice between HMOs and other
types of insurance: consumers face a trade-off that flows in part from the design of HMOs.
HMO enrollees get more primary and preventive care and face lower out-of-pocket costs, but
they get less specialist care, experience more provider access and organizational barriers
to care, and report less satisfaction, lower ratings of care, and less trust in their
physicians. Policymakers should recognize that this trade-off will be attractive to some
people but not to others.
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