由于医院与保险公司的合同分歧而失去保险覆盖的患者的伦理
Ishani Rao1, Albert E Zhou2, Neelesh P Jain2
1Frank H. Netter MD School of Medicine at Quinnipiac University, North Haven, Conneticut, USA.
Clinics in dermatology
|May 22, 2024
概括
保险公司和医院之间的医疗保健合同纠纷扰乱了患者获得护理的机会,导致自付成本增加和对健康产生负面影响. 这凸显了有关患者福祉的关键伦理问题.
科学领域:
- 卫生政策 卫生政策
- 医学经济学 医学经济学
- 生物伦理学生物伦理学
背景情况:
- 医疗保险覆盖范围并不能保证许多美国人获得医疗服务.
- 主要医疗保险公司和医院之间的合同分歧对患者的医疗保险覆盖面构成重大威胁.
- 最近在纽约举行的Aetna,United Healthcare和主要医院系统之间的谈判证明了这些破坏性趋势.
研究的目的:
- 检查保险-医院合同纠纷对患者获得医疗保健的影响.
- 讨论这些干扰对患者健康和财务负担的伦理影响.
- 分析网络变化对患者治疗管理的影响.
主要方法:
- 对合同谈判结果的定性分析.
- 审查患者病例研究,说明访问中断.
- 伦理框架应用于保险与医院之间的纠纷.
主要成果:
- 合同下落导致患者健康计划和提供者访问的重大中断.
- 患者面临着增加的自付费用或被迫寻找新的网络供应商.
- 干扰会对患者的健康和治疗的连续性产生负面影响.
结论:
- 保险-医院合同纠纷对患者护理有着深刻的负面道德影响.
- 确保患者持续获得医疗保健服务,需要解决这些系统性问题.
- 对患者的财务和健康后果需要重新评估保险商-提供商谈判实践.
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