@techreport{NBERw9238,
 title = "Access to Physician Services: Does Supplemental Insurance Matter? Evidence from France",
 author = "Thomas C. Buchmueller and Agnes Couffinhal and Michel Grignon and Marc Perronin",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "9238",
 year = "2002",
 month = "September",
 URL = "http://www.nber.org/papers/w9238",
 abstract = {In France, public health insurance is universal but incomplete, with private payments accounting for roughly 25 percent of all spending. As a result, most people have supplemental private health insurance. We investigate the effects of such insurance on the utilization of physician services using data from the 1998 Enquˆte Sant‚ Protection Sociale, a nationally representative survey of the French population. Our results indicate that insurance has a strong and significant effect on the utilization of physician services.  Individuals with supplemental coverage have substantially more physician visits than those without. In a context where patients are free to choose their provider, we find no evidence that adults with supplemental insurance are more likely to visit a specialist than a general practitioner.},
}