A health insurance policy designed to aggressively control health care costs should mandate low (or no) copayments
for preventive services (see exhibit 3, at right) to reduce avoidable hospitalization.
It's the structure of the increase that matters, whether through higher copayments
for visits, for pharmaceuticals or by raising the rate for the employer.
Beginning September 1, 2011, Horizon Blue Cross Blue Shield of New Jersey will decrease certain copayment
amounts for physical therapy visits to a maximum of $30 for insured patients.
Gold plans had decreases in deductible, doctor copayments
, and specialist copayments
but an increase with respect to its maximum for annual out-of-pocket costs
Therefore, increasing such copayments
among the elderly may be an ill-advised cost-containment strategy," he said in an interview.
Absence of Association between Insurance Copayments
and Delays in Seeking Emergency Care among Patients with Myocardial Infarction.
Meanwhile, when copayments
were reduced for clopidogrel, adherence rates rose by 4.
Furthermore, there is concern that fraud has been creeping into the system, and the commission hopes a copayment
would limit such activity.
This policy can make an impressive difference in your bottom line, but you need to keep in mind that even if the collection of office-encounter copayments
has been successful, collecting the larger amounts required for surgical procedures can be challenging; in fact, collecting these larger prepayments from patients can be downright uncomfortable for your staff.
Any amount remaining unpaid, such as a deductible, coinsurance, copayment
, or uncovered amount, would be paid by the camp's Blanket Excess Accident and Sickness Medical policy up to the limit of the policy.
Research finds that even modest health insurance copayments
discourage older women from getting mammograms.
Employees are currently making copayments
of about 4 percent to 7 percent, with SBC proposing about a 150 percent increase.