By Rachel Linn, CIVHC’s Marketing Manager
Last week, my husband called me with debilitating abdominal pain and was unable to stand, let alone drive himself to a provider to receive care. As an employee of CIVHC, my brain immediately went to thoughts around the expenses we were going to incur based on the care setting we chose and services that would be rendered, especially because my husband is on a high deductible health plan. As I drove to pick him up, I thought through some of the decisions we would need to make over the next few hours to determine the cause of his pain and receive treatment if appropriate.
The world of health care decision-making is seldom straightforward or simple and to complicate things even more, there are only certain choices consumers can be proactive about to avoid unexpected financial or emotional turmoil. As a young male, my husband falls into the category of being a healthy non-user of health care services (for now). Because of his no cavity, no chronic conditions, healthy diet and highly active lifestyle, we don’t regularly plan to have to pay any money each year for his health care.
For those of us lucky enough to have access to health insurance, smart health care decisions have to come far before illnesses or emergencies strike and care is needed. For example, when moving to a new state or beginning a job with a new employer, an individual has to:
- Enroll in new employer’s health insurance plan
- Choose plan design:
- Co-pay based plan
- Low deductible/co-insurance plan
- High deductible plan
- Open Health Savings Account (HSA) if eligible
- Open Flexible Spending Account (FSA) if eligible
- Choose plan design:
- Identify a primary care provider
- Determine which hospitals and providers/provider groups are covered
And, let’s be honest. Steps two and three above may not take place until the need arises.
After determining that my husband’s pain could be due to appendicitis, a quick search led me to the conclusion that we would likely need some sort of imaging services, removing the urgent care near our house as an option for care (some urgent cares do provide imaging services but I called and confirmed that this one does not). There are two emergency rooms located near our home, both associated with large health systems and both with good reputations for the care they provide. I know that my plan design does not include one of the ERs in my network so the decision would have been easy if I had been the one needing care, but my husband’s plan covers both.
My thoughts went to the imaging facility price report that we have been working on at CIVHC that will display facility cost and quality information, and I was able to access the report that was in development to compare prices for imaging at the two different facilities. There was one facility with significantly lower prices, which made our decision easy from that point. Luckily, the pain was not serious enough to require surgery or any additional inpatient (hospital) services, so after resting for a few hours and receiving fluid and medication, we were able to go home for the evening. The information CIVHC was in the process of publishing was a huge help, especially since I know that we will be able to expect additional expenses past just the cost of the imaging procedure. For this visit, we will be billed for:
- The ER facility fee
- For the pain my husband was experiencing, we had to choose the emergency room as our care setting. For a non-emergent condition, we would have chosen an urgent care for a significantly lower cost.
- Pharmacy fees (IV and additional medications administered during the visit)
- Provider fee (cost for physician to diagnose and/or treat)
- CT Scan procedure fee
In this situation, there was no avoiding the unexpected cost we were going to incur, but because of the transparent price information that CIVHC now has available for consumers online, we will be saving hundreds of dollars. For my health care expenses, I often use the tool my health insurance plan provides that allows me to estimate my costs and portions I will pay, but in this instance, where I was not able to quickly access my husband’s plan information online, the CIVHC facility price and quality information tool was invaluable. I look forward to continuing to contribute to the work that is going into publishing price information for additional health care services.