Abstract:
BACKGROUND:There is limited information on patients' knowledge about their cost-sharing requirements and how that influenced their care-seeking behavior. OBJECTIVE:To examine patients' knowledge of their office visit copayments, their self-reported responses to perceived and actual copayments, and discussions with physicians about costs. RESEARCH DESIGN:Cross-sectional telephone interview study with a 71% response rate. SUBJECTS:Stratified random sample of 479 adult members of a prepaid, integrated delivery system: equal sample of members with and without a chronic disease. MEASURES:Perceived and actual office visit copayment amounts, patient self-reported behavioral responses to copayments, cost discussions with a physician, and patient attitudes about discussing costs. RESULTS:Overall, 50% of respondents correctly reported their copayment amount, with 39% underestimating and 11% overestimating. Among respondents who reported having copayments, 27% reported delaying or avoiding a visit altogether, or talking to a physician/advice nurse instead of attending an in-person visit because of their copayment. Perceived office visit copayment amounts were significantly associated with self-reported behavior changes (OR, 1.47 per $10; 95% CI, 1.06-2.05). Only 4% of respondents reported talking with their physician about their costs, with 79% believing that their providers cannot help them with their costs, and 51% believing that it is inappropriate to discuss costs with their physician. CONCLUSIONS:Patients have limited knowledge of their office visit copayment amounts, and are changing their care-seeking behavior in response to perceived costs. Moreover, most patients are making these changes without discussing their cost concerns with their physician.
journal_name
Med Carejournal_title
Medical careauthors
Benedetti NJ,Fung V,Reed M,Price M,Brand R,Newhouse JP,Hsu Jdoi
10.1097/MLR.0b013e31815c3192subject
Has Abstractpub_date
2008-04-01 00:00:00pages
403-9issue
4eissn
0025-7079issn
1537-1948pii
00005650-200804000-00010journal_volume
46pub_type
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