在痴呆症各个阶段,描述出口袋支出所带来的财务风险
Patricia G Synnott1, Yingying Zhu1, Angie Mae Rodday1
1Tufts Medical Center, Boston, Massachusetts, USA.
Alzheimer's & dementia : the journal of the Alzheimer's Association
|September 15, 2025
概括
随着痴呆症的严重程度而增加的自费医疗保健费用显著增加,这对老年人来说构成了相当大的财务风险. 严重的痴呆阶段与更高的支出和潜在的贫困有关.
科学领域:
- 老年学是一门学科.
- 卫生经济学 卫生经济学
- 神经学 神经学
背景情况:
- 患有痴呆症的老年人面临着相当大的自费 (OOP) 医疗费用.
- 与痴呆症护理相关的财务负担因疾病阶段而异,但尚未完全阐明.
研究的目的:
- 调查老年人痴呆症严重程度阶段的医疗保健支出和财务风险在老年人中如何不同.
- 确定与痴呆症患者财务风险增加相关的因素.
主要方法:
- 来自2018年健康与退休研究 (加权为980万个人) 的2939名患有痴呆症的65岁以上受访者的分析.
- 痴呆症分为四个严重程度阶段的分类.
- 检查OOP支出,灾难性/贫困性医疗保健支出的普遍性,以及相关的风险因素.
主要成果:
- 患有严重痴呆症的个人经历了显著更高的OOP成本.
- 严重痴呆症患者中有21%的人面临灾难性的医疗保健支出 (收入≥40%).
- 12%的严重痴呆症患者经历了贫困的医疗保健费用,低于贫困线.
- 养老院住宿,主观健康不佳和晚年与增加的财务风险有关.
结论:
- 财务风险随着痴呆症的晚期升级而升级,反映出增加的护理需求和整体健康状况较差.
- 在严重痴呆症阶段,高昂的自费医疗保健费用有助于贫困和财务不稳定.
- 应对财务风险需要考虑护理需求,整体健康状况以及养老院等住宿安排.
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