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Perspectives from deductible plan enrollees: plan knowledge and anticipated care-seeking changes.
Mary Reed1, Nancy Benedetti, Richard Brand
1Division of Research, Center for Health Policy Studies, Oakland, California 94612, USA. mary.e.reed@kp.org
BMC Health Services Research
|December 31, 2009
Summary
Many consumers enrolling in deductible health plans lack awareness of plan details. This limited understanding of deductibles may lead to delayed or avoided medical care and concerns about healthcare costs.
Area of Science:
- Health Services Research
- Consumer Health Economics
Background:
- Consumer-directed health care models shift costs to patients via deductibles.
- This study investigates patient comprehension of deductible plan specifics and anticipated healthcare behavior changes.
Purpose of the Study:
- To assess new enrollees' knowledge of their deductible health plan details.
- To understand how deductibles influence patients' anticipated healthcare seeking behaviors.
Main Methods:
- A mixed-method, cross-sectional telephone interview study was conducted.
- Data collected from 458 new enrollees in a large integrated delivery system with various deductible plans.
Main Results:
- Only 51% of enrollees knew they had a deductible, 26% knew the amount, and 6% knew which services were covered.
- Half of those aware of their deductible anticipated delaying or avoiding necessary medical care.
- Concerns about affording care and a desire to change plans were frequently expressed.
Conclusions:
- New enrollees exhibit limited awareness of deductible plan details.
- Deductible plans may deter patients from seeking necessary medical care due to cost concerns.
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