The idea of health insurance could help millions of Americans spend less
Summary:
A new federal rule could reduce the direct costs for drugs and key services for chronic disease sufferers in high-deductible health plans with health savings accounts.
Millions of Americans With Chronic Disease Could Save Money For THE Drugs And Medical Services They Need Most, Should Their Medicare Plan Decide To Benefit From A New Federal Rule Published Today hui.
And the idea of this rule is found at the University of Michigan.
Today, the US Treasury Department has given health insurers and flexibility to cover the cost of certain medications and tests for people with common chronic conditions and registered in Delaware for many high-deductible health care plans.
The change in rules is due in part to the study and to more than ten years of political commitment by A. Mark Fendrick, professor at UM, and his colleagues at the Center for Insurance Design based on value of UM.
Approximately 43% of adults who purchase health insurance through their employment benefit from a high-deductible plan that requires them to spend at least one hundred dollars before their insurance covers their care, or $ 2,600. they cover the members of their family.
People with high deductible health care plans generally have to pay the full cost of services used to manage chronic conditions, such as asthma inhalers, glucose tests, and insulin for diabetes. as well as drugs to treat depression and hypercholesterolemia. We have reached their deductible PLAN.
More than half of them have access to a special type of health savings account protected from tax to save on their health costs, and some employers contribute to these accounts.
But until today, the federal tax code specifically prohibited high-deductible plans with health savings accounts, or HSA-HDHP, to cover drugs and services for common chronic conditions until registrants fill their franchises. Such coverage may reduce the chances that people with chronic diseases will omit preventive care because of cost and improve their long-term outcomes.
In the meantime, the Bipartite Chronic Disease Management Act, DE 2019, was introduced in the Senate and House of Representatives last month with the goal of reducing direct costs for Americans with chronic diseases facing high deductibles. .
"More and more Americans are facing high deductibles, they are struggling to PAY for their essential medical care," said Fendrick, a professor at UM Medical School and School of Public Health. "Our research has shown that this policy has the potential to reduce direct costs, federal spending on health care, and ultimately improve the health of millions of people with chronic diseases." We have been active in advocating for this change. Politics for more than a month.
Fendrick is a medical doctor physician at Michigan medication and a member of the UM Institute for Health Policy and Innovation.
Specific coverage for specific registrants
The new rule designates fourteen services for people suffering from certain conditions that high deductible health care plans may now cover in a pre-deductible manner.
The list closely matches that presented by the V-BID Center in a 2014 DE analysis. This report, based on clinical evidence available at the time, shows that these tests and treatments could help people with chronic diseases manage their condition. and to detect or prevent an aggravation of their disease, at a lower cost.
The list includes:
ACE Inhibitory Drugs for People with Heart Failure, Diabetes and / or DE Coronary Artery Disease
Bone Enhancers for People with Osteoporosis or Osteopenia
Beta blockers for people with heart failure and / or coronary artery disease
Sphygmomanometers for hypertensives
DE Advanced Inhalers and Flowmeters for People with Asthma
Insulin and other medicines to lower the sugar in the blood of diabetics
Eye Screening, Glucose Meters and Long-Term Blood Glucose Testing for People with Diabetes
Blood Coagulation Capacity Tests in People with Liver Disease or with Coagulation Disorders
LDL cholesterin level tests in heart patients
Antidepressants called SSRIs for people with depression
Statins drugs for people with heart disease and / or diabetes
The Treasury's new guidelines also leave the door open in the future to allow high-deductible plans to have greater flexibility to cover other preventive services for people with these and other chronic diseases.
Fendrick and Michael Chernew, a professor at Harvard University, explained in the Journal of General Medicine 2007 that regulatory changes were needed to level the playing field for people with chronic diseases in health-care plans. high.
The V-BID principles - based on the idea that high-value clinical services should be the least expensive for those most in need - have also been integrated with other varieties of health insurance plans.
For example, Medicare Advantage plans, offered by private insurers to seniors over 65 years of age and disabled, are now able to offer plans with co-payment based on value. There is a culture for plans offered under TRICARE, the military family insurance program, and employer-sponsored private plans without a high deductible.
The V-BID team recently introduced V-BID X, a new benefits concept designed to expandoptions in the individual market by improving coverage of essential medical services and drugs, without increasing premiums or deductibles.
No comments:
Post a Comment