在商业保险患者中,有和没有重症监护住院的患者成本共享的增长
Sneha Kannan1, Jennifer Stevens2, Zirui Song3
1Sneha Kannan, Harvard University, Boston, Massachusetts.
Health affairs (Project Hope)
|September 5, 2023
概括
从2008年到2019年,重症监护室 (ICU) 住院的自费支出增加了34%. 与非ICU入院相比,ICU住院导致13%的患者成本共享更高.
科学领域:
- 卫生经济学 卫生经济学
- 关键护理医学 关键护理医学
- 医疗保健服务研究 医疗服务研究
背景情况:
- 重症监护室 (ICU) 对严重疾病至关重要,但患者为ICU护理的自费支出尚未得到充分理解.
- 商业医疗保险覆盖了近一半的美国人口,但关于他们为ICU服务的成本共享的数据有限.
研究的目的:
- 分析美国商业保险人群在ICU住院的自费支出趋势.
- 为了比较ICU与非ICU住院的成本共享,并确定影响患者财务负担的因素.
主要方法:
- 利用2008-2019年MarketScan数据,比较超过140万 ICU 住院病例与超过1300万非 ICU 住院病例.
- 调整了患者和入院因素的平均成本共享,以评估变化和差异.
主要成果:
- 在2008年至2019年期间,ICU住院的平均成本共享增加了34% (从1,137美元到1,539美元),主要是由于扣除额增加了163%.
- 与非ICU住院相比,ICU入院与155美元 (13.0%) 的更高成本共享有关,而非ICU住院的情况类似.
- 拥有高扣除医疗保险的患者和接受网络之外护理的患者面临着更高的成本共享.
结论:
- 对于商业保险的美国人来说,ICU护理的自付费用大幅增加,这是由自扣额和计划结构的上升所推动的.
- 病人在ICU的住宿对患者造成更大的经济负担,特别是那些具有高扣除或网络之外的覆盖率的患者.
- 了解和解决这些财务差异对于公平获得关键护理服务至关重要.
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