一个关于共同付款累积器,共同付款最大化器和替代融资计划的入门书
David Choi1, Autumn D Zuckerman2, Svetlana Gerzenshtein1
1Department of Pharmacy, University of Chicago Medicine, IL (Choi, Gerzenshtein, Katsivalis, Taylor).
医疗保险计划使用共付累积器,共付最大化器和替代资金计划 (AFP) 来降低药物成本. 这些计划将成本转移到患者身上,使得获得特殊药物的机会变得复杂.
科学领域:
- 卫生经济学 卫生经济学
- 药品的获取方式 药品的获取方式
- 患者的负担能力.
背景情况:
- 保险公司和雇主使用copay累积器,copay最大化器和替代资金计划 (AFP) 来减轻对高成本处方药的支出.
- 这些金融策略旨在减少付款人对昂贵药物的责任.
研究的目的:
- 阐明共付累积器,共付最大化器和AFPs的机制.
- 为了提高对这些成本转移策略的理解.
- 指导临床医生和患者管理药物获取和负担能力.
主要方法:
- 这本介绍提供了各种保险成本控制计划的结构组成部分的描述性概述.
- 分析重点是这些计划对患者自付费用和药物获取的影响.
主要成果:
- 共同支付累积器,最大化器和AFP降低了保险公司的支出,但增加了患者的财务负担.
- 这些计划在获取特殊药物方面引入了重大复杂性.
- 患者负担能力受到负面影响,可能导致治疗缺口.
结论:
- 了解copay累积器,copay最大化器和AFP结构对于利益相关者来说至关重要.
- 导航这些程序是必要的,以尽量减少治疗延迟和非启动.
- 这些成本转移策略需要明智的方法来实现有效的药物获取和负担能力.
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