The Dutch tariff: results and arguments for an effective design for national EQ-5D valuation studies.

The objective of this study was to estimate a Dutch EQ-5D tariff and to determine in a simulation study using the dataset of the original UK valuation study, the number of health states and respondents needed to estimate a reliable tariff. In all, 300 Dutch respondents directly valued 17 states compared to 3000 respondents and 42 states in the original MVH protocol. The results reaffirmed differences in health-related preferences between countries, justifying the estimation of national tariffs. The mean absolute error was 0.030. The design of this study is recommended for national EQ-5D valuation studies.

Comparison of EQ-5D and SF-6D utilities in mental health patients.

Various preference-based measures of health are available for use as an outcome measure in cost-utility analysis. The aim of this study is to compare two such measures EQ-5D and SF-6D in mental health patients. Baseline data from a Dutch multi-centre randomised trial of 616 patients with mood and/or anxiety disorders were used. Mean and median EQ-5D and SF-6D utilities were compared, both in the total sample and between severity subgroups based on quartiles of SCL-90 scores. Utilities were expected to decline with increased severity. Both EQ-5D and SF-6D utilities differed significantly between patients of adjacent severity groups. Mean utilities increased from 0.51 at baseline to 0.68 at 1.5 years follow-up for EQ-5D and from 0.58 to 0.70 for SF-6D. For all severity subgroups, the mean change in EQ-5D utilities as well as in SF-6D utilities was statistically significant. Standardised response means were higher for SF-6D utilities. We concluded that both EQ-5D and SF-6D discriminated between severity subgroups and captured improvements in health over time. However, the use of EQ-5D resulted in larger health gains and consequent lower cost-utility ratios, especially for the subgroup with the highest severity of mental health problems.

[Measuring the quality of life in economic evaluations: the Dutch EQ-5D tariff]. / Kwaliteit van leven meten in economische evaluaties: het Nederlands EQ-5D-tarief.

OBJECTIVE: To value EQ-5D health states by a general Dutch public. EQ-5D is a standardised questionnaire that is used to calculate quality-adjusted life-years for cost-utility analysis. DESIGN: Descriptive. METHOD: A sample of 309 Dutch adults from Rotterdam and surroundings was asked to value 17 EQ-5D health states using the time trade-off method. Regression analysis was applied to the valuations of these 17 health states. By means of the estimated regression coefficients, which together constitute the so-called Dutch tariff, valuations can be determined for all possible EQ-5D health states. These values reflect the relative desirability of health states on a scale where 1 refers to full health and 0 refers to death. Societal valuations are necessary in order to correct life-years for the quality of life. RESULTS: Complete data were obtained from 298 persons. Theywere representative for the Dutch population as far as age, gender and subjective health were concerned, but had a somewhat higher educational level. The estimated Dutch EQ-5D tariff revealed that the respondents assigned the most weight to (preventing) pain and anxiety or depression, followed by mobility, self-care and the activities of daily living. The Dutch tariff differed from the UK ('Measurement and Valuation of Health') tariff, which is currently used in Dutch cost-utility analyses. Compared to UK respondents, Dutch respondents assigned more weight to anxiety and depression and less weight to the other dimensions. Conclusion. The valuation of health states by this representative Dutch study group differed from the valuation that is currently used in Dutch cost-utility analyses.

Health-based risk adjustment Improving the pharmacy-based cost group model to reduce gaming possibilities.

The pharmacy-based cost group (PCG) model uses medication prescribed to individuals in a base-year as marker for chronic conditions which are employed to adjust capitation payments to their health plans in the subsequent year. Although the PCG model enhances predictive performance, possibilities for gaming may arise as it is based on prior utilization. This study investigates several strategies to mitigate this problem. The best strategies appear to be: use a (high) number of prescribed daily doses to assign persons to PCGs, do not allow for comorbidity, and remove PCGs with low future costs. This PCG model accounts for almost twice as much variance as do demographic models. In 2002 the Dutch government implemented this model in the sickness fund sector (two-thirds of the population).

Risk sharing as a supplement to imperfect capitation: a tradeoff between selection and efficiency.

This paper describes forms of risk sharing between insurers and the regulator in a competitive individual health insurance market with imperfectly risk-adjusted capitation payments. Risk sharing implies a reduction of an insurer's incentives for selection as well as for efficiency. In a theoretical analysis, we show how the optimal extent of risk sharing may depend on the weights the regulator assigns to these effects. Some countries employ outlier or proportional risk sharing as a supplement to demographic capitation payments. Our empirical results strongly suggest that other forms of risk sharing yield better tradeoffs between selection and efficiency.

Health-based risk adjustment: is inpatient and outpatient diagnostic information sufficient?

Adequate risk adjustment is critical to the success of market-oriented health care reforms in many countries. Currently used risk adjusters based on demographic and diagnostic cost groups (DCGs) do not reflect expected costs accurately. This study examines the simultaneous predictive accuracy of inpatient and outpatient morbidity measures and prior costs. DCGs, pharmacy cost groups (PCGs), and prior year's costs improve the predictive accuracy of the demographic model substantially. DCGs and PCGs seem complementary in their ability to predict future costs. However, this study shows that the combination of DCGs and PCGs still leaves room for cream skimming.

Ignoring small predictable profits and losses: a new approach for measuring incentives for cream skimming.

Under inadequate capitation formulae competing health insurers have an incentive for cream skimming, i.e., the selection of enrollees whom the insurer expects to be profitable. When evaluating different capitation formulae, previous studies used various indicators of incentives for cream skimming. These conventional indicators are based on all actual profits and losses or on all predictable profits and losses. For the latter type of indicators, this paper proposes, as a new approach, to ignore the small predictable profits and losses. We assume that this new approach provides a better indication of the size of the cream skimming problem than the conventional one, because an insurer has to take into account its costs of cream skimming and the (statistical) uncertainties about the net benefits of cream skimming. Both approaches are applied in theoretical and empirical analyses. The results show that, if our assumption is right, the problem of cream skimming is overestimated by the conventional ways of measuring incentives for cream skimming, especially in the case of relatively good capitation formulae.

Chronic conditions, psychological distress and the use of psychoactive medications.

OBJECTIVE: The purpose of this study was to examine whether number and type of chronic conditions are related to psychological distress, fatigue, and the use of psychoactive medications. METHODS: Data were taken from a community-based sample of adults who had responded to a health survey mailing (N = 9428). Chronic conditions were assessed by self-report. Information on the use of psychoactive medications was extracted from a claims database of prescribed drugs. Chronic conditions were compared controlling for confounding factors. RESULTS: Strong associations were found between the number of chronic conditions, on the one hand, and psychological distress and fatigue, on the other. There was a less strong association between these factors and the use of medication for anxiety and stress, the use of sleeping pills or tranquilizers, and the use of antidepressants. There was only a partial association between type of condition, psychological distress, and fatigue. Migraine had the broadest impact, having an effect on psychological distress and fatigue and on the use of anxiolytics, as well as the use of antidepressants. CONCLUSION: The association of chronic conditions with psychological distress, fatigue, and the use of psychoactive medications appeared to be related more to the number of conditions than to the type of condition.

Pharmacy costs groups: a risk-adjuster for capitation payments based on the use of prescribed drugs.

BACKGROUND: Adequate risk-adjustment is critical to the success of market-oriented health care reforms in many countries. A common element of these reforms is that consumers may choose among competing health insurers, which are largely financed through premium-replacing capitation payments mostly based on demographic variables. These very crude health indicators do not reflect expected costs accurately. OBJECTIVE: This study examines whether the demographic capitation model can be improved by incorporating information on the presence of chronic conditions deduced from the use of prescribed drugs. The revised Chronic Disease Score was used to incorporate this information in the model. METHODS: A panel data set comprising annual costs and information on prescribed drugs for 3 successive years from Dutch sickness fund members of all ages, is used for the empirical analyses (N = 55,907). The predictive performance of the demographic model is compared with that of a chronic conditions and a Pharmacy Costs Groups (PCG) model, which is a demographic model extended with information on clustered chronic conditions. RESULTS: The predictive accuracy of the demographic model substantially improved when the model was extended with dummy variables for chronic conditions. The 23 chronic conditions could be clustered into six PCGs without affecting the predictive accuracy. Based on these PCGs 17% of the members were bad risks with a mean predictable loss that exceeds the overall average expenditures. CONCLUSIONS: The use of information on chronic conditions derived from claims for prescribed drugs is a promising option for improving the system of risk-adjusted capitation payments.

Risk-adjusted capitation based on the Diagnostic Cost Group Model: an empirical evaluation with health survey information.

OBJECTIVE: To evaluate the predictive accuracy of the Diagnostic Cost Group (DCG) model using health survey information. DATA SOURCES/STUDY SETTING: Longitudinal data collected for a sample of members of a Dutch sickness fund. In the Netherlands the sickness funds provide compulsory health insurance coverage for the 60 percent of the population in the lowest income brackets. STUDY DESIGN: A demographic model and DCG capitation models are estimated by means of ordinary least squares, with an individual's annual healthcare expenditures in 1994 as the dependent variable. For subgroups based on health survey information, costs predicted by the models are compared with actual costs. Using stepwise regression procedures a subset of relevant survey variables that could improve the predictive accuracy of the three-year DCG model was identified. Capitation models were extended with these variables. DATA COLLECTION/EXTRACTION METHODS: For the empirical analysis, panel data of sickness fund members were used that contained demographic information, annual healthcare expenditures, and diagnostic information from hospitalizations for each member. In 1993, a mailed health survey was conducted among a random sample of 15,000 persons in the panel data set, with a 70 percent response rate. PRINCIPAL FINDINGS: The predictive accuracy of the demographic model improves when it is extended with diagnostic information from prior hospitalizations (DCGs). A subset of survey variables further improves the predictive accuracy of the DCG capitation models. The predictable profits and losses based on survey information for the DCG models are smaller than for the demographic model. Most persons with predictable losses based on health survey information were not hospitalized in the preceding year. CONCLUSIONS: The use of diagnostic information from prior hospitalizations is a promising option for improving the demographic capitation payment formula. This study suggests that diagnostic information from outpatient utilization is complementary to DCGs in predicting future costs.

The high costs of death: should health plans get higher payments when members die?

OBJECTIVES: Since 1993, major reforms have been implemented in the Dutch social health insurance system. The competing sickness funds receive risk-adjusted capitation payments based on age, gender, region, and a disability indicator. As these very crude health indicators do not reflect expected costs accurately, an extensive ex post equalization between sickness funds takes place. Mortality has been suggested as an additional risk adjuster, mainly because of high health care expenditures before death. The authors investigated whether capitation payments could be improved by using mortality as a risk adjuster. METHODS: Using data sets that cover a general population and contain individual-level information on demographic characteristics, health care costs, hospitalizations, and year of death (when applicable), expenditures in a period of up to 7 years before death and the consequences for capitation payments if mortality-related costs are taken into account, were analyzed. RESULTS: For a general population, costs per person-year in the last calendar year of life were estimated at 15.3 times average. For those younger than 65 years, this number was 27.3 times average, and for the elderly, it was 4.7 times average. Most of these excess costs were unpredictable. Even with the most comprehensive regression model, actual costs of decedents were still 250% higher than predicted costs. Mortality would improve capitation payments marginally, at best. CONCLUSION: The empirical findings, added to theoretical and practical problems of using mortality in this context, suggest that mortality should not be used as a risk adjuster. Further research should be directed at other, more promising risk adjusters.

Mandatory pooling as a supplement to risk-adjusted capitation payments in a competitive health insurance market.

Risk-adjusted capitation payments (RACPs) to competing health insurers are an essential element of market-oriented health care reforms in many countries. RACPs based on demographic variables only are insufficient, because they leave ample room for cream skimming. However, the implementation of improved RACPs does not appear to be straightforward. A solution might be to supplement imperfect RACPs with a form of mandatory pooling that reduces the incentives for cream skimming. In a previous paper it was concluded that high-risk pooling (HRP), is a promising supplement to RACPs. The purpose of this paper is to compare HRP with two other main variants of mandatory pooling. These variants are called excess-of-loss (EOL) and proportional pooling (PP). Each variant includes ex post compensations to insurers for some members which depend to various degrees on actually incurred costs. Therefore, these pooling variants reduce the incentives for cream skimming which are inherent in imperfect RACPs, but they also reduce the incentives for efficiency and cost containment. As a rough measure of the latter incentives we use the percentage of total costs for which an insurer is at risk. This paper analyzes which of the three main pooling variants yields the greatest reduction of incentives for cream skimming given such a percentage. The results show that HRP is the most effective of the three pooling variants.

Risk-adjusted capitation payments: developing a diagnostic cost groups classification for the Dutch situation.

In many countries market-oriented health care reforms are high on the political agenda. A common element of these reforms is that the consumers may choose among competing health insurers or health plans, which are largely financed through premium-replacing capitation payments. Since 1993, Dutch sickness funds receive risk-adjusted capitation payments based on demographic factors. It has been shown that the predictive accuracy of a demographic capitation model improves when it is extended with diagnostic information from prior hospitalizations, in the form of Diagnostic Costs Groups (DCGs). In this study a DCG classification is developed using Dutch cost data of sickness fund members of all ages. The study also dealt with the question of how to handle high discretion diagnoses. For the Dutch situation high discretion diagnoses may be defined as those diagnoses for which day case treatment is a possible alternative for a hospital admission. Grouping persons with a hospital admission for high discretion diagnoses together with people without an admission resulted in a slight reduction of the predictive accuracy of the DCG model. Adequate risk-adjustment is critical to the success of market-oriented health care reforms. The use of diagnostic information from prior hospitalizations seems a promising option for improving the capitation formula.

Multiyear diagnostic information from prior hospitalization as a risk-adjuster for capitation payments.

As part of a move toward a more market-oriented health-care system, major changes have been implemented in the Dutch social health insurance system. The competing sickness funds now receive risk-adjusted capitation payments, currently based on the age-sex distribution of the insurance portfolios. These very crude health indicators do not reflect expected costs accurately. The authors examine whether the incorporation of inpatient diagnostic information over a multiyear period can increase the accuracy of the capitation model. Using a panel data set (n approximately 50,000) comprising annual costs and diagnostic information for 5 successive years, the authors compare demographic and diagnostic models in their ability to predict future health care costs. The predictive accuracy of an age-sex-based capitation formula improves substantially when diagnostic information from an individual's prior hospitalizations is used as an additional risk-adjuster. The longer the period over which diagnostic information is available, the better is the predictive accuracy. The expected loss in 1992 for insured persons with the highest costs in 1988 decreases from 88% (demographic model) to 62% (1-year diagnostic model) and to 43% (3-year diagnostic model). The use of diagnostic information from prior hospitalizations is a promising option for improving the capitation formulae. The authors' results are relevant not only for situations where competing insurers are capitated, as in the Netherlands, but also when providers (United Kingdom) or health maintenance organizations (United States) are capitated.

Patient and doctor delay in acute myocardial infarction: a study in Rotterdam, The Netherlands.

BACKGROUND: Early thrombolytic therapy for patients having a myocardial infarct size and improves survival. AIM: A study was undertaken to examine the components of pre-hospital delay in patients with retrospectively proven myocardial infarction. METHOD: Data were gathered from 300 patients with a documented myocardial infarction admitted to three hospitals in Rotterdam, the Netherlands. Interviews were carried out with patients, questionnaires were given to their spouses or significant others, medical information was provided by cardiologists, and logbook information was gathered from the ambulance service. RESULTS: Half of all patients (51%) called for medical help within 30 minutes of symptom onset. General practitioners arrived within 11 minutes in half of the 257 cases to which they were called. However, in half of the 257 cases, decision making by the general practitioner before the patient was sent to a hospital took more than 82 minutes. The ambulance arrived within 15 minutes in 90% of all 242 cases, while the time required for stabilization of the patient by the ambulance staff and transport to the hospital took a median of 15 minutes. CONCLUSION: Compared with earlier studies, patients with a myocardial infarction called for help sooner. However, it may take a considerable time before the general practitioner refers the patient to hospital. Further research is needed to design measures which will improve the diagnostic power of the general practitioner in order to further reduce pre-hospital delay.

Psychological and knowledge factors related to delay of help-seeking by patients with acute myocardial infarction.

Survival of an acute myocardial infarction (AMI) and subsequent prognosis are highly dependent on the time between onset of symptoms and medical intervention. The purpose of this study is to investigate which psychological and cardiovascular knowledge factors may contribute to the time the AMI patient takes to decide to seek medical help (patient delay). Three hundred patients took part in the study. They were interviewed and filled out several psychological questionnaires. The results show that patients who ask for medical help within half an hour have more cardiovascular knowledge, seek less distraction and more social support during the acute phase, compared to patients waiting longer. In general those who call soon appear to have easing thoughts in case of personal difficulties. They also deny their feelings of resentment to a lesser degree and interpret the symptoms of an AMI more often as originating in the heart. Future education campaigns should therefore not only address cardiovascular knowledge, but also coping and defense mechanisms.

Risk-adjusted capitation: recent experiences in The Netherlands.

The market-oriented health care reforms taking place in the Netherlands show a clear resemblance to the proposals for managed competition in U.S. health care. In both countries good risk adjustment mechanisms that prevent cream skimming--that is, that prevent plans from selecting the best health risks--are critical to the success of the reforms. In this paper we present an overview of the Dutch reforms and of our research concerning risk-adjusted capitation payments. Although we are optimistic about the technical possibilities for solving the problem of cream skimming, the implementation of good risk-adjusted capitation is a long-term challenge.

[Delay in hospitalization of patients with myocardial infarct]. / Vertraging bij de opname van hartinfarctpatiënten.

Timely treatment of patients with an evolving myocardial infarction improves the short and long term prognoses. Because of a wrong judgement of the situation by the patient, a significant other or by a general practitioner (GP), treatment may be delayed. To examine this delay 300 patients with myocardial infarction took part in a study between March 1990 and October 1991. After written consent was given, they were interviewed about the pre-hospital period. The significant others received a questionnaire about this period. Medical information was collected from the cardiologists. Fifty percent of all patients called for medical help within 30 minutes. The GP arrived within 11 minutes at the patient's place in 50% of all cases. However, in 50% of all cases the decision making of the GPs before the patient was sent to a hospital required more than 82 minutes. The ambulance arrived within 15 minutes at the patient's place in 90% of all cases. Stabilisation of the patient by the ambulance staff and transport to the hospital took slightly more time. Compared with earlier studies, the patient with a possible myocardial infarction calls for help sooner. Subsequently, in many cases it takes considerable time before the GP refers the patient to a hospital. Further research is needed to improve the diagnostic power of the GP.

Patient satisfaction after insertion of an osseointegrated implant bridge.

The general and specific satisfaction of patients treated with a jawbone-anchored bridge was compared with their pretreatment satisfaction with dentures (condition 1, n = 31). Patients who asked for information on the osseointegration method but did not apply for treatment (condition 2, n = 32), and a group of patients that did not ask for information (condition 3, n = 10) were also questioned on their satisfaction with dentures. The results indicated that condition 1 subjects were both socially and physically substantially more satisfied with their bridge than with their earlier dentures. On all satisfaction measures condition 3 subjects indicated more satisfaction with dentures than either condition 1 or condition 2 subjects. There were no significant differences between the three groups on several personality characteristics (neuroticism, test-taking attitudes, internal/external control). Condition 3 subjects were less extrovert (socially oriented) than the other subjects. Condition 1 subjects made several suggestions towards improvement of the pre- and post-operation phase, concerning the amount of pain involved and the cleaning of the bridge, etc.