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Double Coverage and Health Care Utilisation:Evidence from Quantile Regression

  • Sara Moreira
  • Pedro Pita Barros

An individual experiences double coverage when he benefits from more than one health insurance plan at the same time. This paper examines the impact of such supplementary insurance on the utilisation of health care. Its novelty is that within the context of count data modelling and without imposing restrictive parametric assumptions, the analysis is carried out for different points of the conditional distribution, not only for its mean location. We use data for Portugal on the consumption of doctor visits, taking advantage of particular features of the public and private protection schemes on top of the statutory National Health Service. Results indicate that double coverage generates additional utilisation of health care and, even though it is present in the whole outcome distribution, by looking at different points we unveil that the effects are relatively smaller for more frequent users. Another interesting finding regards the source of supplementary insurance since although both public and private second layers of health care protection increase the utilisation of doctor visits, it adds more to the consumption when provided by private organizations.

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File URL: http://www.bportugal.pt/en-US/BdP%20Publications%20Research/WP200911.pdf
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Paper provided by Banco de Portugal, Economics and Research Department in its series Working Papers with number w200911.

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Date of creation: 2009
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Handle: RePEc:ptu:wpaper:w200911
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  1. Teresa Bago d’Uva & Andrew M. Jones, 2006. "Health care utilisation in Europe: new evidence from the ECHP," Health, Econometrics and Data Group (HEDG) Working Papers 06/09, HEDG, c/o Department of Economics, University of York.
  2. Eddy van Doorslaer & Andrew M. Jones, 2004. "Income-related inequality in health and health care in the European Union," Health Economics, John Wiley & Sons, Ltd., vol. 13(7), pages 605-608.
  3. Sergi Jiménez-Mart�n & José M. Labeaga & Maite Mart�nez-Granado, 2002. "Latent class versus two-part models in the demand for physician services across the European Union," Health Economics, John Wiley & Sons, Ltd., vol. 11(4), pages 301-321.
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