为医保不足的患者提供经济援助和付款计划 购买 "可购物 "的医院服务

Samantha Randall, Josephine Rohrer, Nicholas Wong, Nina Linh Nguyen, Erin E Trish, Erin L. Duffy
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引用次数: 0

摘要

最近出台的价格透明法旨在让患者在比较医院选择和 "选购 "医疗服务时获得更多信息。除价格外,医保不足的患者在寻求医疗服务时还需要了解财政援助、折扣、付款计划和预付款要求等信息,以便比较各家医院的医疗服务可负担性。我们对这些信息的可用性以及潜在患者寻求这些信息的经历知之甚少。在这项 "秘密购物者 "电话调查中,我们随机抽取了全美 10% 的短期综合医院,以评估需要接受非急诊手术的医保不足患者所面临的经济选择和导航挑战。行政管理方面的摩擦很大。大多数医院都有三个独立的办公室,分别负责:(1)经济援助;(2)付款计划和折扣;(3)预付款要求。有 18.1% 的医院在尝试拨打三次电话后都无法联系到所有相关办公室。在可提供相关信息的医院中,大多数医院都为患者提供了经济方面的选择:86.7% 的医院提供经济援助,97.0% 的医院为保险不足的患者提供非急诊护理的付款计划。在医院管理和第三方融资安排中,付款计划的期限和条件差别很大。有时需要预付款,这可能会对没有现金或信贷渠道的患者造成障碍。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Financial Assistance and Payment Plans for Underinsured Patients Shopping for “Shoppable” Hospital Services
Recent price transparency laws are designed to better inform patients as they compare hospital options and “shop” for healthcare services. In addition to prices, underinsured patients seeking care need information on financial assistance, discounts, payment plans, and upfront payment requirements to compare the affordability of care across hospitals. Little is known about the availability of this information and the experience of prospective patients seeking it. We contacted a random sample of 10% of general short-term hospitals across the U.S. in this “secret-shopper” telephone study to assess financial options and navigation challenges faced by underinsured patients in need of a non-emergency procedure. The administrative friction was substantial. Most hospitals have three siloed offices for (1) financial assistance, (2) payment plans and discounts, and (3) upfront payment requirements. All relevant offices were unreachable in three attempted calls at 18.1% of hospitals. Among hospitals with available information, the majority have financial options for patients: 86.7% of hospitals offer financial assistance and 97.0% of hospitals offer payment plans to underinsured patients for non-emergency care. The length and terms of payments plans varied widely for hospital-administered and third-party financing arrangements. Upfront payments were sometimes required, potentially posing barriers for patients without cash or credit access.
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