Review Article : Multiple Coverage By Health Insurance

Health Insurance Council. " The Group Model Anti-Duplication Provision vs. Over-Insurance." Health Insurance Viewpoints 4:1, September 1964.

Crowthers, Michael. "The Trouble with Overinsurance." Medical Economics 42:191, March 8, 1965.

Ibid., pp. 196-197.

Reed, Louis S. The Extent of Health Insurance Coverage in the United States. Social Security Administration, Office of Research and Statistics, Research Report No. 10. Washington, D.C.: Government Printing Office, 1965, p. 11. In this excellent study, Reed reviews the estimates of multiple coverage. Reed's study has been used extensively in this section of the paper.

Ibid., p. 12.

Andersen, Ronald and Riedel, Donald C. People and Their Hospital Insurance. Research Series No. 23. Chicago: Center for Health Administration Studies, University of Chicago, 1967; (b) The household survey is fully described and evaluated in: Anderson, Odin W. and Andersen, Ronald. A Decade of Personal Health Services: Trends in Use and Expenditures. Chicago: University of Chicago Press, 1967.

Public Health Service, National Center for Health Statistics. Health Insurance, Type of Insuring Organization and Multiple Coverage, United States, July 1962-June 1963. PHS Publication No. 1000-Series 10-No. 16. Washington, D.C.: Government Printing Office, 1965, pp. 2, 26-27.

Ibid., p. 1.

Anderson, Odin W. , Collette, Patricia and Feldman, Jacob J. Changes in Family Medical Care Expenditures and Voluntary Health Insurance: A Five-Year Resurvey. Cambridge: Harvard University Press, 1963; Table 94, pp. 167-168.

Health Insurance Council. " A Survey of Multiple Hospitalization Coverage," September 1965 , p. 1. Mimeo.

Ibid., pp. 7-8.

Ibid., Tables 1 and 2.

Ferber, Bernard. "The Relationship of Multiple Health Insurance Coverage and Hospital Utilization." Inquiry 3:14-27, December 1966.

Ibid., p. 16.

Ibid., p. 16.

Ibid., p. 27.

Andersen and Riedel , op. cit, pp. 4-5.

Ibid., p. 27.

Magill, Jo Anne. "Duplicate Health Care Coverage: Protector or Profitmaker." Hospitals 38:23, December 16, 1964.

Sinai, Nathan , Thomas, Bert S. and Wheeler , Benjamin W. Disability Insurance in California. Research Series No. 11. Ann Arbor : Bureau of Public Health Economics, University of Michigan School of Public Health, 1965, pp. 154-157.

Crowthers, op. cit., pp. 197-200.

Health Insurance Council. " The Group Model Anti-Duplication Provision vs. Over-Insurance." Health Insurance Viewpoints, September 1964.

A strong incentive for adoption is the practice of designating the policy without the clause the primary carrier.

Taylor Insurance Digest, January 14, 1967, p. 8.

For an excellent account of the industry's efforts see: Wandel, William H. "Overinsurance in Health Insurance." J. of Risk and Insurance 32:427-434, September 1965.

"Should Non-Duplication of Benefits Apply to Individual Policies ." Health Insurance Review, November 1966, p. 10.

Letter from Mr. Sobaski dated February 14, 1967.

Anderson, Odin W. and Feldman, Jacob J. Family Medical Costs and Voluntary Health Insurance: A Nationwide Survey. New York: Mc-Graw-Hill, 1956.

Arrow, Kenneth J. "Uncertainty and the Welfare Economics of Medical Care." American Economic Review 53:963-964, December 1963.

Blue Cross Association. "Comparisons of the Uninsured, Those with One Policy, and Those with Multiple Coverage." Blue Cross Reports 5:1-8, January-March 1967.

Editorial, "Anti—Duplication—Dollar Excision from Health Plan Benefits ." J. of the Mississippi State Medical Association 5:443-445, November 1964.

Editorial, "Overutilization of Insurance Benefits." Iowa State Medical Society J. 48:264, May 1958.

Farley, Jarvis. "Overinsurance." Accident and Sickness Review, January 1961, p. 8.

Health Insurance Council. "A Survey of Multiple Hospitalization Coverage," September 1959. Mimeo.

Health Insurance Council. "The Extent of Voluntary Health Insurance in the United States as of December 31, 1964." Mimeo.

Health Insurance Council. "The Public Concern with Over-Insurance." Health Insurance Viewpoints, Vol. 3, No. 2, April 1964.

Health Insurance Institute. "Study Group Findings on Over-Insurance." Press Release, January 4, 1963.

Illson, Murray. "Abuses Are Cited in Medical Plans." New York Times 110:84, October 1, 1961.

Kirkpatrick, A.L. "Health and Accident Insurance Coverage—A Survey." American Economic Security, August-September 1954.

Lucchesi, Pascal. "Use, But Do Not Abuse" Rhode Island Medical J. 45:32-34, January 1962.

Luck, Elizabeth. "The Problem of Duplicate Coverage and Overinsurance." Inquiry 1:21-34, August 1963.

McNerney, Walter J. , et al. Hospital and Medical Economics. Vols. I and II. Chicago: Hospital Research and Education Trust, 1962.

Public Health Service, National Center for Health Statistics. Health Insurance Coverage, United States, July 1962-June 1963. PHS Publication No. 1000-Series 10-No. 11. Washington, D.C.: Government Printing Office, 1964.