在商业保险家庭中儿科重症病后的财务结果
Erin F Carlton1, Michelle H Moniz2, John W Scott3
1Department of Pediatrics, University of Michigan, 1500 E. Medical Center Dr., Ann Arbor, MI, 48109, USA. ecarlton@med.umich.edu.
Critical care (London, England)
|June 8, 2023
概括
在儿童重症监护室 (PICU) 住院的儿童的护理人员面临更高的财务困境的风险,包括违约债务和低信用评分,在孩子的严重疾病后.
科学领域:
- 卫生经济学 卫生经济学
- 儿科重症监护 儿科重症监护
- 金融健康 金融健康
背景情况:
- 儿童的严重疾病往往会给家庭带来主观的经济困境.
- 在儿科重症监护室 (PICU) 住院后,护理人员的客观财务结果尚不清楚.
研究的目的:
- 客观地评估照顾者的财务状况,孩子的PICU住院后.
- 确定PICU入院是否与护理人员的财务风险增加有关.
主要方法:
- 连接商业保险索赔与商业信用数据,用于照顾有PICU住院儿童的照顾者.
- 在PICU后队列和PICU前对比队列之间比较信贷结果 (违约债务,违约债务,低信用评分).
- 使用调整后的赔率比率来分析金融风险因素.
主要成果:
- 患有PICU住院儿童的护理人员显示,调整后债务拖欠率更高 (aOR 1.25) 和信用评分较低 (aOR 1.29).
- 在那些有现有债务的人中,在违约债务或收款债务的金额上没有发现显著的差异.
- 大约39.5%的PICU后护理人员有违约债务,收款债务或信用不良.
结论:
- 关心重症儿童的护理人员在住院期间和之后面临高额的财务风险,包括债务和信用不良.
- PICU住院可能会使护理人员在出院后面临更高风险的不利财务状况.
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