在商业保险计划中共享针治疗的成本
Molly Candon1,2,3, Jeffery A Dusek4,5, Arya Nielsen6
1Department of Psychiatry, Perelman School of Medicine, University of Pennsylvania, Philadelphia, PA, USA.
Global advances in integrative medicine and health
|August 18, 2025
概括
患者的成本共享影响了针的使用,但对网络内针师的访问更为关键. 较低的自费支出与更高的针利用率相关,尽管特定的计划设计显示出不同的效果.
科学领域:
- 医疗保健服务研究 医疗服务研究
- 医疗保健经济学 医疗经济学
- 补充和替代医学 补充和替代医学
背景情况:
- 患者的成本共享,定义为出口袋医疗保健支出,影响各种健康结果.
- 成本共享对针利用的具体影响在很大程度上仍未确定.
研究的目的:
- 研究不同形式的成本共享与网络内针服务的利用之间的关联.
- 检查了共同支付,自付费用百分比和消费者驱动的健康计划 (CDHPs) 的高自扣额.
主要方法:
- 对商业保险索赔数据的分析.
- 包括在2012年至2021年期间访问网络中针治疗师的105,501个人.
主要成果:
- 针利用率在计划中较高,而自费支出总体较低.
- 与0美元的共同付款和CDHPs的计划相比,与高额共同付款和非CDHPs的计划相比,具有较低的针使用率.
结论:
- 成本共享显示,对针的使用有着不一致的影响.
- 确保获得网络内针治疗师的机会似乎比单独的成本共享政策更为重要的使用驱动力.
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