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High-quality health care does not have to cost
more. The most important factors in shaping health care costs are the price of
services and the number and type of services. Higher costs may reflect both
higher prices and the use of unnecessary tests and treatments. Health insurers
can make your dollars go farther if they can bargain for better prices for
their members and if they cut out wasteful spending. The scores for "Uses
Insurance Dollars Wisely" are calculated by measuring the prices and use
of tests and treatments for the members of the health insurer.
Cost of care
This score looks at how effectively a health insurer manages costs for the members it serves. Specifically, this measure looks at all of the medical costs associated with treating patients, including costs for prescription drugs and speciality care.
Use of resources
This score looks at how effectively a health insurer uses resources for the members it serves. Members should receive the tests and procedures they need, but not more than necessary. Specifically, this measure looks at all of the resources used to treat members, including prescription drugs and specialty care.
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