Journal of Korean Academy of Oral Health

The Korean Academy of Preventive Dentistry and Oral Health (대한예방치과·구강보건학회)
권호 표지
DOI QR코드

DOI QR Code

The effect of economic factors on private health insurance enrollment and dental care utilization

경제적 요인이 민간의료보험 가입변동과 치과의료이용에 미치는 영향

  • Kim, Sun Mi (Department of Social and Humanity in Dentistry, Wonkwang University School of Dentistry) ;
  • Shin, Hosung (Department of Social and Humanity in Dentistry, Wonkwang University School of Dentistry)
  • 김선미 (원광대학교 치과대학 인문사회치의학교실) ;
  • 신호성 (원광대학교 치과대학 인문사회치의학교실)
  • Received : 2015.04.16
  • Accepted : 2015.06.01
  • Published : 2015.09.30
⟨ Previous Next ⟩

Abstract

Objectives: The study aimed to examine and derive policy implications from the contribution of private health insurance towards the effectiveness and equity of dental care utilization. Methods: The study used 2010-2011 Korea Health Panel data. We applied a two-stage probit least square (2SPLS) analysis method to 10,577 people who were aged 20 years and over and had outpatient health care utilization. Under the assumption that high demanders for dental outpatient health services try to subscribe and hold private health insurance, the study focuses on the changes in income and private health insurance status. Results: The results of the descriptive statistics indicated that the number of employed enrolled in private health insurance increased as age decreased and income increased. Two-year consecutive nonenrollment of private health insurance was highest in the groups aged 65 years or above, those that had completed primary school or below, and those that belonged to the top income bracket. The highest rates of continued enrollment in private health insurance were observed in the top fifth income group (highest quintile) and those with a college degree. Income was observed to have an effect on private health insurance enrollment status and the frequency of dental care services used. The results of the analysis indicated that changes in private health insurance status did not affect the frequency of dental care services used, but the frequency of dental care services used had a significantly positive effect on continued enrollment in private health insurance. Conclusions: To secure the right of health for citizens, it is necessary to establish measures that emphasize equity and strengthen benefit coverage of health insurance. Moreover, regulatory policies that support the low-income population are required.

Keywords

References

  1. Kim JK. The equity in health care utilization : a decomposition considering the type of health care providers. Social Science Research Review 2012;28:205-226.
  2. Baek IR, Park HS, Byeon SS. A study on joining private health insurance of the socially vulnerable and medical service utilization of private insurance members. Health and Social Science 2012;31: 127-151.
  3. Park IH. Analysis on the level of national health expenditure and associated factors in the OECD countries. Korean J Health Policy Adm 2012;22:538-560. https://doi.org/10.4332/KJHPA.2012.22.4.538
  4. Ministry of Health &Welfare, Korea Institute for Health and Social Affairs. OECD health statistics 2014. Seoul: Ministry of Health &Welfare, Korea Institute for Health and Social Affairs;2014:97-112.
  5. Kim SM, Kwon YD. Private health insurance and the use of health care services: a review of empirical research in Korea. The Korean Journal of Health Service Management 2011;5:177-192. https://doi.org/10.12811/kshsm.2011.5.4.177
  6. Health Policy Institute. Private dental insurance[Internet].Health Policy Institute [cited 2014 Dec 01] Available from: http://www.ridp.or.kr/3_publish/research/vie w.asp ?id=17&page=1&se arch=&searc hstr=.
  7. Kim SM, Ahn E, Shin H. How does private health insurance affect dental care utilization?. J Korean Acad Dent Health 2014;38:203-211. https://doi.org/10.11149/jkaoh.2014.38.4.203
  8. Jun BY, Kwon SM. The effect of health care expenditure on the change in the demand for private health insurance in Korea. The Korean Journal of Health Economics and Policy 2012;18:65-84.
  9. Yoon TH, Hwang IK, Sohn HS, Koh KW, Jeong BG. The determinants of private health insurance purchasing decisions under national health insurance system in Korea : the expanding of private health insurance market, for the better or worse. Korean J Health Policy Adm 2005;15:161-175. https://doi.org/10.4332/KJHPA.2005.15.4.161
  10. Kwon HJ. Effects of economic factors on membership transition in private health insurance. Social Welfare Policy 2011;38:131-158. https://doi.org/10.15855/swp.2011.38.3.131
  11. Buchmueller TC, Couffinhal A, Grignon M, Perronnin M. Access to physician services: does supplemental insurance matter? evidence from France. Health Econ 2004;13:669-687. https://doi.org/10.1002/hec.879
  12. Trujillo AJ, Vecino Ortiz AI, Ruiz Gomez F, Steinhardt LC. Health insurance doesn't seem to discourage prevention among diabetes patients in Colombia. Health Aff (Millwood) 2010;29:2180-2188. https://doi.org/10.1377/hlthaff.2010.0463
  13. Saliba B, Ventelou B. Complementary health insurance in France. Who pays? Why? Who will suffer from public disengagement?. Health Policy 2007;81:166-182. https://doi.org/10.1016/j.healthpol.2006.05.017
  14. Yun HS. Effects of private insurance on medical expenditure. Korea Development Institute 2008;30:99-128.
  15. Park S, Jung K. The determinants of private health insurance and its effects on medical utilization in Korea. Korean Journal of Insurance 2011;88:23-49.
  16. Kim HJ, Lee JH. Factors associated with the middle-aged or the old-aged Koreans' enrollment in private health insurance. Journal of Korea Contents Association 2012;12:683-693. https://doi.org/10.5392/JKCA.2012.12.12.683
  17. Huh SI. Expansion of the private health insurance and policy implications in Korea. Korea Social Policy Review 2013;20:187-222. https://doi.org/10.17000/kspr.20.1.201303.187
  18. Kim JD. The determinants of private health insurance acquisition and exit [master's thesis]. Seoul:Seoul National University;2011.[Korean].
  19. You CH, Kang SW, Choi JH, Oh EH, Kwon YD. The effect of private health insurance on health care utilization: evidence from Korea Health Panel (2008-2010), The Korean Journal of Health Service Management 2014;8:101-113. https://doi.org/10.12811/kshsm.2014.8.2.101
  20. Lim JS. An exploration on adolescents' delinquent behavior and aggressiveness. Korean Journal of Social Welfare Studies 2009;40:101-126. https://doi.org/10.16999/kasws.2009.40.4.101
  21. Hong EJ. A Study on helping activities of mature and senior age group and their generativity: use of simultaneous equation model. Journal of the Korean Gerontological Society 2010;30:515-534.
  22. Omar MG. CDSIMEQ: A program to implement twostage probit least squares. The Stata Journal 2003;3:1-11.
  23. Kim DH, Lee BJ. An analysis on adverse selection in Fee-For-Service health insurance. Korean Journal of Insurance 2013;96:25-50.
  24. Kang SW, You CH, Oh EH, Kwon YD. The impact of having private health insurance on healthcare utilization with controlling for endogeneity. The Korean Journal of Health Economics and Policy 2010;16:139-159.
  25. Kim H, Kim MK, Shin H. Expenditure in ambulatory dental care and factors related to its spending. Korean J Health Policy Adm 2012; 22:207-224. https://doi.org/10.4332/KJHPA.2012.22.2.207

Cited by

  1. 치아홈메우기의 건강보험 급여화와 치과위생사 시술에 대한 학부모의 인식 및 태도 vol.15, pp.6, 2015, https://doi.org/10.13065/jksdh.2015.15.06.1099