Health Care Consumers:
Are We a Nation of Savvy Shoppers?
As the term "health care consumer" gains traction, I have been thinking about the skills we are assumed to possess as Americans who regularly buy stuff -- skills that many employers and benefits consultants believe can be easily applied to decisions about purchasing health care services, tests and drugs.
Think about it: to be an effective, engaged health care consumer in the U.S. today means that many of us must find and make use of information that enables us to:
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Jessie
Gruman
President
Center for the
Advancement of Health |
- choose the most appropriate health plan for our family
- select the best and cheapest radiology practice or laboratory
- identify the Part D pharmacy benefit plan that meets our needs this year
- make cost, quality and safety trade-offs for the hospital we patronize
- manage our employer's offer of a health savings account combined with catastrophic insurance coverage
At least three skill sets are necessary to make good decisions on such matters. First, we must understand our own personal risks and make a rough prediction of our future health needs based on those probabilities. Second, we must conduct the research to weigh the cost and quality trade-offs for health plans, services, tests and drugs consistent with our current and future needs. And third, we need some financial management skills to ensure prudent spending – and saving – of our resources over time.
This is a tall order, especially for a population that generally shows little awareness of the (1) uncertainty of medical diagnoses, (2) possibility of multiple approaches to treat the same disease, (3) variations in quality of care at different hospitals and by different physicians and (4) likelihood of medical errors, despite considerable media exposure to these issues.
To our fuzziness about the serious stakes of our consumer decisions about health care, add our documented discomfort with numbers and robust inability to personalize risk (lottery tickets, anyone?). And our poor record in saving now for future needs and aversion to reading the small print related to financial transactions is demonstrated vividly in our overuse of credit cards and appetite for subprime mortgages.
Are we up to the challenge?
Well, some of us are and many of us are not. The problem is that those of us who will fall short on making wise, informed decisions as health care consumers are disproportionately those of us who are already disadvantaged by illness, limited literacy and numeracy, and constrained resources.
The solution is not to eliminate the need to make these decisions. But in the rush to harness our power as consumers of health care services, we would be well served to reflect on recent 401(k) losses, foreclosures and predatory lending practices as warnings of how encouraging consumers to take responsibilities beyond their capacities can do real harm.
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