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Research ArticleOriginal Articles

On Being New to an Insurance Plan: Health Care Use Associated With the First Years in a Health Insurance Plan

Peter Franks, Colin Cameron and Klea D. Bertakis
The Annals of Family Medicine September 2003, 1 (3) 156-161; DOI: https://doi.org/10.1370/afm.24
Peter Franks
MD
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Colin Cameron
PhD
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Klea D. Bertakis
MD
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Article Figures & Data

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    Table 1:

    Distribution of Key Variables by Year of Enrollment

    VariableFirst Year No. (SD)Second Year No. (SD)Third Year No. (SD)Fourth Year No. (SD)
    Note: Each patient appears only once in the table, randomly selected from the years they were enrolled.
    Number of patients31,994127,97694,85480,723
    Age, years 40.8 (10.9) 43.1 (10.9) 44.7 (10.6) 45.8 (10.0)
    Female, % 53.5 52.5 51.5 51.0
    ZIP, socioeconomic status 0.03 (1.00) 0.03 (0.98) 0.05 (0.98) 0.07 (0.98)
    ZIP, >12 years school, % 63.9 (7.80) 64.3 (7.61) 64.5 (7.6) 64.6 (7.6)
    ZIP, median household income, $37,002 (10,228)37,728 (10,176)37,905 (10,189)38,194 (10,317)
    ZIP, white, % 93.9 (12.0) 94.4 (11.2) 94.5 (10.9) 94.7 (10.7)
    ZIP, white-collar work, % 74.2 (8.53) 74.4 (8.6) 74.6 (8.6) 74.8 (8.7)
    Total years enrolled 1.27 (0.56) 2.73 (0.82) 3.49 (0.50) 4.0 (0)
    Total ambulatory diagnostic groups 3.5 (2.68) 3.3 (2.75) 3.5 (2.82) 3.7 (2.90)
    Any visit, % 90.1 86.2 87.0 88.5
    Any primary care provider visit 55.6 49.2 50.0 49.6
    Mammogram 51.0 52.3 56.8 58.8
    Papanicolaou test 59.5 61.1 60.1 60.5
    Avoidable hospitalization, % 0.18 O.15 0.12 0.15
    Expenditures (including nonusers), $ Mean/Median Mean/Median Mean/Median Mean/Median
    Total 1,086/313 1,035/285 1,112/317 1,250/359
    Diagnostic 224/41 230/43 245/46 221/11
    Ambulatory 281/134 282/127 297/137 332/160
    Inpatient 280/0 258/0 259/0 307/0
    Expenditures (contingent on use), $
    Total 1,223/383 1,227/387 1,306/428 1,440/467
    Diagnostic 354/137 369/165 392/165 399/131
    Ambulatory 347/183 366/189 379/203 409/217
    Inpatient 5,751/3,005 5,617/2,950 5,698/2,902 6,244/3,019
    • View popup
    Table 2.

    Adjusted Relative Risks of Specific Indicators by Year of Enrollment

    VariableFirst Year RR (95% CI)Second Year RR (95% CI)Third Year RR (95% CI)
    RR = relative risk, CI = confidence interval.
    Note: Each row represents a separate logistic regression. Shown are the adjusted relative risks (and 95% confidence intervals) associated with each year of enrollment, with the fourth year the reference year. These analyses adjust for patient age, sex, socioeconomic status, and year. The avoidable hospitalization analysis adjusted for case mix as well. For the mammogram analysis, number of observations = 243,614; for the Papanicolaou analysis, N = 417,210; and for the any visit and any primary care provider visit analyses, N = 798,967. In these 4 analyses individual patients may be included for each year they were enrolled. For the avoidable hospitalization analysis, each patient was included only once, N = 335,547.
    Any visit1.02 (1.02, 1.03)0.98 (0.98, 0.99)0.99 (0.99, 0.99)
    Any primary care provider visit1.15 (1.15, 1.14)1.03 (1.02, 1.04)1.00 (0.99, 1.01)
    Mammogram0.87 (0.87, 0.88)0.89 (0.88, 0.90)0.97 (0.96, 0.97)
    Papanicolaou test0.99 (0.98, 1.00)1.02 (1.01, 1.02)1.00 (0.99, 1.00)
    Avoidable hospitalization1.89 (1.26, 2.81)1.68 (1.10, 2.55)1.00 (0.62, 1.62)
    • View popup
    Table 3.

    Adjusted Expenditures Contingent on Use by Year of Enrollment

    Expenditure CategoryFirst Year AMC (95% CI)Second Year AMC (95% CI)Third Year AMC (95% CI)
    AMC = adjusted mean costs, CI = confidence interval.
    Note: Each row represents a separate linear regression. Shown are the adjusted mean costs and 95% confidence intervals associated with each year of enrollment relative to the fourth year. These analyses adjust for patient age, sex, socioeconomic status, ambulatory diagnostic groups, and year. For all analyses, N = 335,547; 1 observation per patient.
    Total1.05 (1.03-1.07)1.02 (1.00-1.04)1.03 (1.01-1.05)
    Diagnostic testing1.15 (1.13-1.17)1.12 (1.09-1.14)1.25 (1.22-1.27)
    Ambulatory care1.04 (1.02-1.06)1.04 (1.02-1.06)1.01 (0.99-1.03)
    Inpatient care1.03 (0.93-1.14)0.99 (0.88-1.11)0.99 (0.88-1.11)
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The Annals of Family Medicine: 1 (3)
The Annals of Family Medicine: 1 (3)
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1 Sep 2003
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On Being New to an Insurance Plan: Health Care Use Associated With the First Years in a Health Insurance Plan
Peter Franks, Colin Cameron, Klea D. Bertakis
The Annals of Family Medicine Sep 2003, 1 (3) 156-161; DOI: 10.1370/afm.24

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On Being New to an Insurance Plan: Health Care Use Associated With the First Years in a Health Insurance Plan
Peter Franks, Colin Cameron, Klea D. Bertakis
The Annals of Family Medicine Sep 2003, 1 (3) 156-161; DOI: 10.1370/afm.24
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