美国心理治疗的保险接受率和现金支付率
Jane M Zhu1, Aine Huntington2, Simon Haeder3
1Division of General Internal Medicine, Oregon Health and Science University, Portland, OR 97239, USA.
Health affairs scholar
|September 20, 2024
概括
许多心理治疗师不接受保险,造成心理健康护理的成本障碍. 患者经常自行支付,现金费率平均为每次会议143.26美元,突出了获得心理治疗服务的差异.
科学领域:
- 医疗保健服务研究 医疗服务研究
- 心理健康政策 心理健康政策
- 卫生经济学 卫生经济学
背景情况:
- 费用和保险覆盖是获得心理健康护理,包括心理治疗的重大障碍.
- 心理治疗服务经常在私人诊所提供,许多提供者不接受保险,选择直接付款.
- 目前关于私人实践心理治疗的财务方面的数据有限.
研究的目的:
- 以保险接受为基础,对私人实践心理治疗师进行描述.
- 评估心理治疗服务的自我报告的私人薪酬率.
- 了解在美国获得心理治疗的财务环境.
主要方法:
- 一个包含175,083名心理治疗提供者的国家在线目录的横截面分析.
- 检查与接受保险相关的提供者特征.
- 对心理治疗课程的自报现金支付率的评估.
主要成果:
- 大约三分之一的私人实践心理治疗师表示不接受保险.
- 在不同州之间,接受保险的情况有很大差异.
- 医疗补助补偿费率大约比平均现金支付费率 (每次会议143.26美元) 低40%左右.
结论:
- 心理治疗师接受有限的保险将支付负担转移到患者身上,影响到获得护理的机会.
- 出口成本的差异影响了个人负担得起基本心理健康服务的能力.
- 这些发现有助于了解心理治疗的现金支付市场,这是一个日益增长的需求服务.
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