Abstract
To illustrate from the start that this is a complex, highly varied, and often confusing field, let me assert that there is no such thing as health “insurance!” Your health is not being insured against the unlikely event that you will ever be sick or disabled. Rather, based on the premise that health care will be needed and is costly, we are simply prepaying expected costs in a uniform, generally monthly, premium amount. In group health plans/policies, the prepayment is leveled across a broader group. Expenditures become more predictable and administration and related costs become less per each subscriber. For some subscribers the leveled cost actually will be greater than what they might expend, while for others it will be less. Also, apart from accidents and “catastrophic” sickness or disorder, the decision to seek health care, where, from whom, and how often, has a high degree of electivity.
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Dörken, H. (1983). Health Insurance and Third-Party Reimbursement. In: Sales, B.D. (eds) The Professional Psychologist’s Handbook. Springer, Boston, MA. https://doi.org/10.1007/978-1-4899-1025-7_10
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