Table 3 Scale Alpha’s, item means and factor loadings statistics for independent variables general and specific trust
From: Acceptance of selective contracting: the role of trust in the health insurer
Construct | Itema, b | Cronbach’s alpha | Mean | Factor loadings | |
|---|---|---|---|---|---|
General trust scale | You think the people at your health insurance company are completely honest. | 0.86 | 4.87 | 0.56 | - |
Your health insurer cares more about saving money than about getting you the treatment you need. | 4.00 | 0.41 | - | ||
As far as you know, the people at your health insurance company are very good at what they do. | 4.86 | 0.51 | - | ||
If someone at your health insurance company made a serious mistake, you think they would try to hide it. | 4.14 | 0.53 | - | ||
You feel like you have to double check everything your health insurer does. | 4.55 | 0.61 | - | ||
You worry that private information your health insurer has about you could be used against you. | 4.93 | 0.66 | - | ||
You worry there are a lot of loopholes in what your health insurer covers that you do not know about. | 4.42 | 0.65 | - | ||
You believe your health insurer will pay for everything it is supposed to, even really expensive treatments. | 4.54 | 0.29 | - | ||
If you got really sick, you are afraid your health insurer might try to stop covering you altogether. | 5.29 | 0.59 | - | ||
If you have a question, you think your health insurer will give a straight answer. | 5.24 | 0.61 | - | ||
All in all, you have complete trust in your health insurance company. | 4.97 | 0.64 | - | ||
Specific trust in purchasing strategy | I trust my health insurer to choose the best care providers. | 0.89 | 4.61 | - | 0.81 |
I trust my health insurer not to compromise on quality in order to keep the price down. | 4.78 | - | 0.82 | ||
I trust my health insurer to choose the best care for me at the best price. | 4.77 | - | 0.82 | ||