Expectations and experience of HMO enrollees after one year: an analysis of satisfaction, utilization, and costs.
The impact of HMO enrollment on utilization and satisfaction in a sample of industrial employees was investigated using a panel study design. Preenrollment and postenrollment ambulatory utilization rates, out-of-pocket costs, and measures of satisfaction are presented for enrollees in two closed- and one open-panel HMO-type plans. Their health care experiences are compared to those of reenrollees remaining in the HMOs during both surveys, as well as to those retaining their Blue Cross-Blue Shield membership. Lack of access to and dissatisfaction with previous sources of care distinguished the preenrollment experience of those who selected the closed-panel plans; their postenrollment experience produced increasing satisfaction reflecting that their expectations in these areas were met. Continuing enrollees in closed-panel plans were somewhat less satisfied after a year of experience than they were earlier. Those who joined the open-panel plan did so because of the expanded benefits and financial advantages which, their postenrollment experience showed, were accurately perceived. Utilization patterns also changed: continuing enrollees in both types of plans made fewer illness but more preventive visits; new enrollees used greater numbers of both types of services after enrolling than before.
D000553:Ambulatory Care; D003258:Consumer Behavior; D003365:Costs and Cost Analysis; D003657:Decision Making; D006279:Health Maintenance Organizations / Q000191:economics / Q000458:organization & administration* / Q000706:statistics & numerical data; D006801:Humans; D009518:New York; D009786:Occupational Health Services