Preventing Medical Debt: Recommendations for Insurers
这份报告显示了如何健康insuranc转移e landscape has helped shape the medical debt crisis, identifying specific actions insurers should take now to boost Americans’ confidence in their coverage and motivate them to pursue timely care that reduces the need for costlier services.
91% of Americans
do not understand the meaning of premium, deductible, out-of-pocket maximum, and co-insurance.
62% of U.S. adults younger than 65
who report problems paying a medical bill say that the person who incurred the bill was insured at the time.
保险不足的成年人中有24％
say they don’t visit a doctor when they have a medical issue.
Key Recommendations
With input from members of our Stakeholder Advisory Council, the Financial Health Network developed recommended actions and strategies for insurance providers to help prevent medical debt. Although each recommendation is effective as a stand-alone, insurers can achieve the greatest impact by implementing them all.
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- 帮助成员进行计划选择，并确保成员了解关键的健康保险条款。
- Proactively inform members of out-of-pocket expectations, and help them navigate lower-cost options through price transparency resources.
- 通过减少或消除相关的自付费用来激励初级和预防保健服务。
- Improve claims adjustment and prior authorization processes.
Systems-Level Overview
Explore insights into the prevalence of medical debt and its effect on consumers, how medical debt functions as a social determinant of health and driver of health inequities, and opportunities for key players to prevent it.
Recommendations for Hospitals and Health Systems
Read about actionable strategies healthcare providers should take now to improve financial assistance and repayment programs, support informed patient decision-making, and proactively identify patients at risk for medical debt to target financial assistance.
More to Explore
Medical Debt Is Hurting Your Employees – Here’s How To Help
As the debt crisis deepens, investing in the financial health of their workforces can yield big benefits for both employers and employees.
医院和卫生系统如何帮助患者避免医疗债务
While the goal of the American health care system is to improve health and well-being, it triggers financial hardship for many people. One in five U.S. households have incurred medical debt, making it the most common form of unpaid bill for which consumers are contacted by debt collectors, and a reason why many people forgo getting the health care they need.
The Biden Administration Announces New Actions to Lessen the Burden of Medical Debt and Increase Consumer Protection
副总统卡马拉·哈里斯（Kamala Harris）宣布在四个地区进行改革，以减轻医疗债务的负担，使更多的美国家庭有机会蓬勃发展
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Senior Director, Healthcare Solutions万博电竞怎么玩
Manager, Healthcare Solutions万博电竞怎么玩
Preventing Medical Debt: Recommendations for Insurers
探索趋势。发现新的见解。建立更强大的策略。