Consumers frustrated with health insurance, money

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Americans are concerned about the cost of insurance and want to see more ways to reduce exposure and take money out of health care organizations. That’s according to a new PhRMA/Ipsos study, which uncovered some frustrations in billing and managing medical procedures.

Many health care frustrations stem from inadequate health insurance coverage, confusion and insurance barriers to coverage, and unexpected costs that patients face.

Conducted among 2,510 American adults, the survey found that a majority of Americans with major political affiliations (87%) feel that politicians have lost track of what the public needs in terms of their health care.

In line with how the public cares about health care – “health insurance costs and reimbursement” tops the list of priorities, behind the “coronavirus pandemic” – 86% of Americans agree that Congress should focus on addressing the abusive insurance policies that make life difficult difficult for people to get the care they need.

On that, there is a consensus across party lines; 92% of Democrats and 84% of registered Republicans approve.

Similarly, when given a choice between two options, Americans would rather see Congress focus more on reducing overall spending such as wages, deductibles and expenses (71%) than on reducing drug costs (29%).


When managing the health care system, dealing with insurance barriers, insurance confusion, the cost of care and lack of transparency are some of the biggest obstacles for the American people, the numbers showed.

In the past year, 43% of people who take medication, or their families, have experienced at least one insurance problem in their care. These scenarios range from waiting for the insurer to approve a prescription drug – prior authorization – to the insurer requiring the patient to try another drug or not providing the prescribed drug at all. This is among the 89% who say taking medicine helps them stay healthy.

Thirty-nine percent of people worry about how to pay if they or their families need help. Thirty-one percent of people avoid going to the doctor because of the cost.

More than two in five Americans (43%) reported that they had a difficult time understanding or managing their health insurance.

In particular, consumers with private insurance are among the most likely to agree that health insurers should publicly share any claims denial records they have for specific demographics or patients (87%) and disclose how often they deny recommended claims. he is a doctor. care (82%). Additionally, 78% of private insurance brokers agree that insurers should share the cost of their negotiations.


When asked to choose the top two ideas that would lead to greater benefits in out-of-pocket costs and affordability, one in three (33%) believe that putting a cap on more insurers can make patients pay more. , copies, and other out-of-pocket expenses can help them on their own.

Here, Democratic registered voters (40%) are more likely to see public interest in this process than Republican (31%) or independent (34%) registered voters.

Other suggestions that people feel would benefit them include giving insurers more incentives to manage the cost of prescription drugs (17%), and requiring health insurance companies to be more transparent about the drugs they prescribe. and what patients will have to pay out of pocket to buy medicine (16%).

Twitter: @JELagasse
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