Areas are defined as the geographic region over which the insurers set premiums.
Private insurers in a genuine 'defined contribution' scheme, of course, individualize just as much as they possibly can.
We did not find an association between the types of insurers represented and respondents' decision to cover the technologies presented in hypothetical scenarios.
We would like to express our appreciation to the two insurers that shared their data with us, making this analysis possible.
The above issues evidently weaken the incentives for the insurers to weigh the benefits of medical interventions against costs.
Imposing a uniform provider structure across insurers deprives them of an important possibility to match their products with the preferences of their clientele.
The spending results may also provide lessons for other insurers providing prescription drug benefits.
Even for defined benefit funds there is no explicit capital base of a pension fund, unlike an insurer.
