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Financial Assistance and Payment Plans for Underinsured Patients Shopping for “Shoppable” Hospital Services 为医保不足的患者提供经济援助和付款计划 购买 "可购物 "的医院服务
Pub Date : 2024-05-10 DOI: 10.1093/haschl/qxae062
Samantha Randall, Josephine Rohrer, Nicholas Wong, Nina Linh Nguyen, Erin E Trish, Erin L. Duffy
Recent price transparency laws are designed to better inform patients as they compare hospital options and “shop” for healthcare services. In addition to prices, underinsured patients seeking care need information on financial assistance, discounts, payment plans, and upfront payment requirements to compare the affordability of care across hospitals. Little is known about the availability of this information and the experience of prospective patients seeking it. We contacted a random sample of 10% of general short-term hospitals across the U.S. in this “secret-shopper” telephone study to assess financial options and navigation challenges faced by underinsured patients in need of a non-emergency procedure. The administrative friction was substantial. Most hospitals have three siloed offices for (1) financial assistance, (2) payment plans and discounts, and (3) upfront payment requirements. All relevant offices were unreachable in three attempted calls at 18.1% of hospitals. Among hospitals with available information, the majority have financial options for patients: 86.7% of hospitals offer financial assistance and 97.0% of hospitals offer payment plans to underinsured patients for non-emergency care. The length and terms of payments plans varied widely for hospital-administered and third-party financing arrangements. Upfront payments were sometimes required, potentially posing barriers for patients without cash or credit access.
最近出台的价格透明法旨在让患者在比较医院选择和 "选购 "医疗服务时获得更多信息。除价格外,医保不足的患者在寻求医疗服务时还需要了解财政援助、折扣、付款计划和预付款要求等信息,以便比较各家医院的医疗服务可负担性。我们对这些信息的可用性以及潜在患者寻求这些信息的经历知之甚少。在这项 "秘密购物者 "电话调查中,我们随机抽取了全美 10% 的短期综合医院,以评估需要接受非急诊手术的医保不足患者所面临的经济选择和导航挑战。行政管理方面的摩擦很大。大多数医院都有三个独立的办公室,分别负责:(1)经济援助;(2)付款计划和折扣;(3)预付款要求。有 18.1% 的医院在尝试拨打三次电话后都无法联系到所有相关办公室。在可提供相关信息的医院中,大多数医院都为患者提供了经济方面的选择:86.7% 的医院提供经济援助,97.0% 的医院为保险不足的患者提供非急诊护理的付款计划。在医院管理和第三方融资安排中,付款计划的期限和条件差别很大。有时需要预付款,这可能会对没有现金或信贷渠道的患者造成障碍。
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引用次数: 0
Among Medicare Beneficiaries, ACA Coverage Expansions Reduced Utilization of Ambulatory Care, Particularly among Duals 在医疗保险受益人中,《美国医疗保险法》覆盖范围的扩大减少了门诊护理的使用,尤其是在双职工中
Pub Date : 2024-05-08 DOI: 10.1093/haschl/qxae059
Chapin White, Noelia Duchovny, Rebecca Sachs, Josh Varcie
We leverage local area variation in the size of the Affordable Care Act expansions of Medicaid and nongroup coverage and measure changes in Medicare utilization and spending from 2010 through 2018 using the universe of Medicare fee-for-service claims. We find that the ACA coverage expansions led to decreases in the share of Medicare beneficiaries receiving ambulatory care and decreases in spending per beneficiary on ambulatory care. The reductions in ambulatory care were larger among beneficiaries enrolled in both Medicare and Medicaid (“duals”). Our results suggest that coverage expansions may lead to congestion and reduced access to physicians for the continuously insured.
我们利用《平价医疗法案》扩大医疗补助和非团体保险规模的地方差异,并使用医疗保险付费服务索赔的总体情况来衡量 2010 年至 2018 年期间医疗保险使用和支出的变化。我们发现,《平价医疗法案》覆盖范围的扩大导致接受非住院治疗的医疗保险受益人比例下降,每位受益人在非住院治疗方面的支出也有所减少。同时参加医疗保险和医疗补助计划("双重计划")的受益人接受非住院医疗服务的比例下降幅度更大。我们的研究结果表明,保险范围的扩大可能会导致连续投保者就医的拥挤和减少。
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引用次数: 0
Health and political economy: building a new common sense in the United States. 健康与政治经济学:在美国建立新的常识。
Pub Date : 2024-05-06 eCollection Date: 2024-05-01 DOI: 10.1093/haschl/qxae041
Victor Roy, Darrick Hamilton, Dave A Chokshi

The prevailing economic paradigm, characterized by free market thinking and individualistic cultural narratives, has deeply influenced contemporary society in recent decades, including health in the United States. This paradigm, far from being natural, is iteratively intertwined with politics, social group stratification, and norms, together shaping what is known as political economy. The consequences are starkly evident in health, with millions of lives prematurely lost annually in the United States. Drawing on economic re-thinking happening in fields like climate and law, we argue for a new "common sense" towards a health-focused political economy. Central to this proposed shift is action in 3 interconnected areas: capital, care, and culture. Re-orienting capital to prioritize longer-term investments, such as in public options for health care and baby bonds, can promote health and affirmatively include historically marginalized groups. Recognizing that caregiving is economically valuable and necessary for health, approaches like local cadres of community health workers across the United States would be part of building robust caregiving infrastructures. Advancing momentum in these directions, in turn, will require displacing dominant cultural narratives. As the health arena pursues change in the face of real obstacles, recent efforts reinvigorating industrial policy and addressing concentrated market power can serve as inspiration.

近几十年来,以自由市场思维和个人主义文化叙事为特征的主流经济范式深深地影响着当代社会,包括美国的卫生事业。这种范式绝非自然形成,而是与政治、社会群体分层和规范反复交织在一起,共同形成了所谓的政治经济学。其后果在健康领域体现得淋漓尽致,美国每年有数百万人过早地失去了生命。借鉴气候和法律等领域的经济反思,我们主张建立一种新的 "常识",即以健康为中心的政治经济学。这一转变的核心是在三个相互关联的领域采取行动:资本、护理和文化。调整资本的方向,优先考虑长期投资,如对医疗保健和婴儿债券的公共选择,可以促进健康,并肯定历史上被边缘化的群体。认识到护理工作的经济价值和对健康的必要性,美国各地的社区保健工作者骨干等方法将成为建设强大护理基础设施的一部分。反过来,要推动这些方向的发展势头,就必须改变主流文化的叙事方式。在卫生领域面对现实障碍寻求变革的过程中,近期重振产业政策和解决集中市场力量的努力可以起到启发作用。
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引用次数: 0
Disparities in Telemedicine Use among Native Hawaiian and Pacific Islander Individuals Insured through Medicaid 通过医疗补助计划获得保险的夏威夷原住民和太平洋岛民在远程医疗使用方面的差异
Pub Date : 2024-05-03 DOI: 10.1093/haschl/qxae057
Anna M. Morenz, Ashok Reddy, Amy Hsu, Anh Le, Edwin S. Wong, Joshua M. Liao
States have implemented policy changes to increase access to telemedicine services for individuals receiving Medicaid benefits. Native Hawaiian and Pacific Islander (NHPI) individuals suffered disproportionate harms from COVID-19 and have long experienced disparities in health care access compared to other racial and ethnic groups, making the issue of telemedicine access particularly salient for NHPI individuals on Medicaid. Utilizing 100% 2020-2021 Medicaid claims, we compared trends in telemedicine use between NHPI and non-Hispanic White individuals on Medicaid in Washington State and conducted a decomposition analysis to identify drivers of underlying disparities. In both years, NHPI individuals were 38-39% less likely to use any telemedicine than White individuals after adjusting for patient- and area-level characteristics. Decomposition analysis revealed that most of this difference was due to differential effects of characteristics, rather than group differences in characteristics. Namely, several characteristics that were associated with increased telemedicine use had more muted associations for NHPI versus White individuals, such as English as primary spoken language and female sex. These findings suggest the presence of limited acceptability of or group-specific barriers to telemedicine for NHPI individuals, including potential discrimination in being offered telemedicine visits. These issues should be understood and mitigated through close collaboration between health care leaders and NHPI communities.
各州已实施政策变革,以增加接受医疗补助(Medicaid)福利的个人获得远程医疗服务的机会。夏威夷原住民和太平洋岛民 (NHPI) 遭受 COVID-19 带来的伤害尤为严重,与其他种族和族裔群体相比,他们长期以来在获得医疗保健服务方面一直存在差距,因此,对于享受医疗补助的 NHPI 群体而言,远程医疗服务的获取问题尤为突出。利用 2020-2021 年 100%的医疗补助申请,我们比较了华盛顿州 NHPI 和非西班牙裔白人在医疗补助中使用远程医疗的趋势,并进行了分解分析,以确定潜在差异的驱动因素。在对患者和地区特征进行调整后,在这两年中,NHPI 人使用任何远程医疗的可能性比白人低 38-39%。分解分析表明,这种差异的大部分原因是特征的不同影响,而不是特征的群体差异。也就是说,与远程医疗使用率增加相关的几个特征对非裔美国人和白人的影响更为微弱,如英语为主要口语和女性性别。这些研究结果表明,非裔美国人对远程医疗的接受程度有限或存在特定群体的障碍,包括在接受远程医疗就诊时可能受到歧视。这些问题应通过医疗保健领导者与非高加索人社区之间的密切合作来了解和缓解。
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引用次数: 0
Use of artificial intelligence and the future of peer review. 人工智能的使用与同行评审的未来。
Pub Date : 2024-05-03 eCollection Date: 2024-05-01 DOI: 10.1093/haschl/qxae058
Howard Bauchner, Frederick P Rivara

Conducting high-quality peer review of scientific manuscripts has become increasingly challenging. The substantial increase in the number of manuscripts, lack of a sufficient number of peer-reviewers, and questions related to effectiveness, fairness, and efficiency, require a different approach. Large-language models, 1 form of artificial intelligence (AI), have emerged as a new approach to help resolve many of the issues facing contemporary medicine and science. We believe AI should be used to assist in the triaging of manuscripts submitted for peer-review publication.

对科学手稿进行高质量的同行评审变得越来越具有挑战性。稿件数量的大幅增加、同行评审人员数量的不足,以及与有效性、公平性和效率相关的问题,都需要一种不同的方法。大语言模型是人工智能(AI)的一种形式,已成为帮助解决当代医学和科学面临的许多问题的新方法。我们认为,人工智能应被用来协助对提交同行评审发表的稿件进行分流。
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引用次数: 0
Balancing innovation and affordability in anti-obesity medications: the role of an alternative weight-maintenance program. 平衡抗肥胖药物的创新性和可负担性:替代性体重维持计划的作用。
Pub Date : 2024-05-02 eCollection Date: 2024-06-01 DOI: 10.1093/haschl/qxae055
David D Kim, Jennifer H Hwang, A Mark Fendrick

Despite remarkable clinical advances in highly effective anti-obesity medications, their high price and potential budget impact pose a major challenge in balancing equitable access and affordability. While most attention has been focused on the amount of weight loss achieved, less consideration has been paid to interventions to sustain weight loss after an individual stops losing weight. Using a policy simulation model, we quantified the impact of a weight-maintenance program following the weight-loss plateau from the initial full-dose glucagon-like peptide 1 (GLP-1) receptor agonists or incretin mimetic use. We measured long-term health care savings and the loss of some health benefits (eg, maintenance of weight loss, improvements in cardiometabolic risk factors, and reductions in diabetes and cardiovascular events). Our model suggested that, compared with continuous long-term full-dose GLP-1 receptor agonists or incretin mimetic drugs, the alternative weight-maintenance program would generate slightly fewer clinical benefits while generating substantial savings in lifetime health care spending. Using less expensive and potentially less effective alternative weight-maintenance programs may provide additional headroom to expand access to anti-obesity medications during the active weight-loss phase without increasing total health care spending.

尽管高效的抗肥胖药物在临床上取得了重大进展,但其高昂的价格和潜在的预算影响对平衡公平获取和可负担性构成了重大挑战。虽然人们的注意力大多集中在体重减轻的数量上,但较少考虑个人体重停止下降后维持体重减轻的干预措施。利用政策模拟模型,我们量化了在最初使用全剂量胰高血糖素样肽 1(GLP-1)受体激动剂或增量素模拟剂后,体重维持计划对体重减轻的影响。我们衡量了长期医疗费用的节省情况以及某些健康益处的损失(如体重减轻的维持、心血管代谢风险因素的改善以及糖尿病和心血管事件的减少)。我们的模型表明,与连续长期使用全剂量 GLP-1 受体激动剂或增量素模拟药物相比,替代性体重维持计划产生的临床益处略少,但却能节省大量的终生医疗开支。使用成本较低、效果可能较差的替代性体重维持方案可能会为在积极减肥阶段扩大抗肥胖药物的使用范围提供额外的空间,而不会增加医疗保健的总支出。
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引用次数: 0
Automating benefits delivery: lowering health insurance costs for unemployment insurance recipients. 福利发放自动化:降低失业保险领取者的医疗保险成本。
Pub Date : 2024-05-02 eCollection Date: 2024-05-01 DOI: 10.1093/haschl/qxae054
Langou Lian, Marina Lovchikova, Andrew Feher

To provide financial relief to those affected by the COVID-19 pandemic, from July to December 2021, the American Rescue Plan Act temporarily expanded eligibility for cost-sharing reduction (CSR) silver 94 plans that cover 94% of medical costs for unemployment insurance (UI) recipients enrolled in the Affordable Care Act (ACA) Marketplaces. In June 2021, California's ACA Marketplace automatically redetermined eligibility and enrollment for 79 645 UI recipients so the enhanced subsidies would be applied without any action required among program participants. Using administrative data from California and a difference-in-differences design, we found that enrollees automatically moved to CSR silver 94 plans for the second half of 2021 saved $295 in premiums and $180 in out-of-pocket expenses (or $475 in total). These findings can inform state and federal policymakers exploring ways of automating benefits delivery for consumers already engaging with other safety-net programs to increase health insurance affordability.

为了向受 COVID-19 大流行影响的人提供经济救济,从 2021 年 7 月到 12 月,《美国救援计划法案》暂时扩大了参加《可负担医疗法案》(ACA)市场的失业保险(UI)领取者的费用分担减免(CSR)银色 94 计划的资格,该计划可支付 94% 的医疗费用。2021 年 6 月,加利福尼亚州的 ACA 市场自动重新确定了 79 645 名失业保险金领取者的资格和参保情况,以便在计划参与者无需采取任何行动的情况下适用增强型补贴。利用加利福尼亚州的行政数据和差异设计,我们发现在 2021 年下半年自动转入 CSR 银 94 计划的参保者节省了 295 美元的保费和 180 美元的自付费用(即总共节省了 475 美元)。这些发现可以为各州和联邦政策制定者提供参考,帮助他们探索如何为已经参与其他安全网计划的消费者自动提供福利,以提高医疗保险的可负担性。
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引用次数: 0
Health and political economy: building a new common sense in the United States 健康与政治经济学:在美国建立新的常识
Pub Date : 2024-05-01 DOI: 10.1093/haschl/qxae041
Victor Roy, Darrick Hamilton, Dave A Chokshi
Abstract The prevailing economic paradigm, characterized by free market thinking and individualistic cultural narratives, has deeply influenced contemporary society in recent decades, including health in the United States. This paradigm, far from being natural, is iteratively intertwined with politics, social group stratification, and norms, together shaping what is known as political economy. The consequences are starkly evident in health, with millions of lives prematurely lost annually in the United States. Drawing on economic re-thinking happening in fields like climate and law, we argue for a new “common sense” towards a health-focused political economy. Central to this proposed shift is action in 3 interconnected areas: capital, care, and culture. Re-orienting capital to prioritize longer-term investments, such as in public options for health care and baby bonds, can promote health and affirmatively include historically marginalized groups. Recognizing that caregiving is economically valuable and necessary for health, approaches like local cadres of community health workers across the United States would be part of building robust caregiving infrastructures. Advancing momentum in these directions, in turn, will require displacing dominant cultural narratives. As the health arena pursues change in the face of real obstacles, recent efforts reinvigorating industrial policy and addressing concentrated market power can serve as inspiration.
摘要 近几十年来,以自由市场思维和个人主义文化叙事为特征的主流经济范式深深地影响了当代社会,包括美国的卫生事业。这种范式绝非自然形成,而是与政治、社会群体分层和规范反复交织在一起,共同塑造了所谓的政治经济学。其后果在健康领域体现得淋漓尽致,美国每年有数百万人过早地失去了生命。借鉴气候和法律等领域的经济反思,我们主张建立一种新的 "常识",即以健康为中心的政治经济学。这一转变的核心是在三个相互关联的领域采取行动:资本、护理和文化。调整资本的方向,优先考虑长期投资,如对医疗保健和婴儿债券的公共选择,可以促进健康,并肯定历史上被边缘化的群体。认识到护理工作的经济价值和对健康的必要性,美国各地的社区保健工作者骨干等方法将成为建设强大护理基础设施的一部分。反过来,要推动这些方向的发展势头,就必须改变主流文化的叙事方式。在卫生领域面对现实障碍寻求变革的过程中,近期重振产业政策和解决集中市场力量的努力可以起到启发作用。
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引用次数: 0
Use of artificial intelligence and the future of peer review 人工智能的使用与同行评审的未来
Pub Date : 2024-05-01 DOI: 10.1093/haschl/qxae058
Howard Bauchner, F. Rivara
Abstract Conducting high-quality peer review of scientific manuscripts has become increasingly challenging. The substantial increase in the number of manuscripts, lack of a sufficient number of peer-reviewers, and questions related to effectiveness, fairness, and efficiency, require a different approach. Large-language models, 1 form of artificial intelligence (AI), have emerged as a new approach to help resolve many of the issues facing contemporary medicine and science. We believe AI should be used to assist in the triaging of manuscripts submitted for peer-review publication.
摘要 对科学手稿进行高质量的同行评审变得越来越具有挑战性。稿件数量的大幅增加、同行评审人员数量的不足,以及与有效性、公平性和效率相关的问题,都需要一种不同的方法。大语言模型是人工智能(AI)的一种形式,已成为帮助解决当代医学和科学面临的许多问题的新方法。我们认为,人工智能应被用来协助对提交同行评审发表的稿件进行分流。
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引用次数: 0
Automating benefits delivery: lowering health insurance costs for unemployment insurance recipients 福利发放自动化:降低失业保险领取者的医疗保险成本
Pub Date : 2024-05-01 DOI: 10.1093/haschl/qxae054
Langou Lian, Marina Lovchikova, Andrew Feher
Abstract To provide financial relief to those affected by the COVID-19 pandemic, from July to December 2021, the American Rescue Plan Act temporarily expanded eligibility for cost-sharing reduction (CSR) silver 94 plans that cover 94% of medical costs for unemployment insurance (UI) recipients enrolled in the Affordable Care Act (ACA) Marketplaces. In June 2021, California's ACA Marketplace automatically redetermined eligibility and enrollment for 79 645 UI recipients so the enhanced subsidies would be applied without any action required among program participants. Using administrative data from California and a difference-in-differences design, we found that enrollees automatically moved to CSR silver 94 plans for the second half of 2021 saved $295 in premiums and $180 in out-of-pocket expenses (or $475 in total). These findings can inform state and federal policymakers exploring ways of automating benefits delivery for consumers already engaging with other safety-net programs to increase health insurance affordability.
摘要 为向受 COVID-19 大流行病影响的人们提供经济救济,从 2021 年 7 月到 12 月,《美国救援计划法案》暂时扩大了参加《可负担医疗法案》(ACA)市场的失业保险(UI)领取者的费用分担减免(CSR)银色 94 计划的资格,该计划涵盖 94% 的医疗费用。2021 年 6 月,加利福尼亚州的 ACA 市场自动重新确定了 79 645 名失业保险金领取者的资格和参保情况,以便在计划参与者无需采取任何行动的情况下适用增强型补贴。利用加利福尼亚州的行政数据和差异设计,我们发现在 2021 年下半年自动转入 CSR 银 94 计划的参保者节省了 295 美元的保费和 180 美元的自付费用(即总共节省了 475 美元)。这些发现可以为各州和联邦政策制定者提供参考,帮助他们探索如何为已经参与其他安全网计划的消费者自动提供福利,以提高医疗保险的可负担性。
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引用次数: 0
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