  
	
  
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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