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Lischko AM, Burgess JF. Knowledge of cost sharing and decisions to seek care. The American journal of managed care. 2010 Apr 1; 16(4):298-304.
Employees were reasonably well informed about their cost-sharing responsibilities. Knowledge of costs was associated with higher office visit utilization during the study period. Respondents who were more knowledgeable about their specific copayments for office visits and emergency department visits also were more likely to behave in what appeared to be a more cost-efficient manner, with more office visits and fewer emergency department visits.