在商业保险患者中进行气管切除术的自付费用和潜在的意外费用
Nicholas R Lenze1, Jasdeep S Kler1, Chamila D Perera2
1Department of Otolaryngology-Head and Neck Surgery, University of Michigan Medical School, Ann Arbor, MI, USA.
概括
气管切除术患者面临相当大的自费费用,主要来自共同保险. 潜在的意外医疗费用增加了这一财务负担,需要政策改革和患者的财务咨询.
科学领域:
- 医疗保健经济学 医疗保健经济学
- 手术结果研究研究.
背景情况:
- 气管切除术护理是资源密集的,但与患者相关的成本数据很少.
- "无惊喜法"影响医疗保健账单,但其对气管切除术成本的影响尚未研究.
研究的目的:
- 分析进行气管切除术的患者的自付费用 (OOP).
- 评估气管切除术后潜在的意外医疗费用发生率和成本影响.
- 确定OOP成本的预测因素和气管切除术患者的意外账单.
主要方法:
- 对经过气管切除术的商业保险患者 (18-64岁) 的回顾性队列研究 (2014-2022年).
- 分析手术后30天内OOP成本 (自扣额,共同付款,共同保险) 和潜在的意外账单.
- 统计分析成本,意外账单和患者/系统因素之间的关系.
主要成果:
- 平均OOP成本为1423美元,共同保险占62.8%.
- 潜在的意外账单发生在9.1%的案例中,增加了OOP成本.
- 高扣除和服务费计划预测OOP成本和意外账单的增加.
结论:
- 气管切除术患者承担大量的OOP成本,主要是由于共同保险.
- 潜在的意外账单对患者来说代表了额外的财务风险.
- 需要财政咨询和政策调整,以减轻患者的成本负担.
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