Complex Home Care: Part II – Family Annual Income, Insurance Premium, And Out-of-Pocket Expenses


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Abstract

Executive Summary▸ Annual costs paid by families for intravenous infusion of home parenteral nutrition (HPN) health insurance premiums, deductibles, co-payments for health services, and the wide range of out-of-pocket home health care expenses are significant.▸ The costs of managing complex chronic care at home cannot be completely understood until all out-of-pocket costs have been defined, described, and tabulated.▸ Non-reimbursed and out-of-pocket costs paid by families over years for complex chronic care negatively impact the financial stability of families.▸ National health care reform must take into account the long-term financial burdens of families caring for those with complex home care.▸ Any changes that may increase the out-of-pocket costs or health insurance costs to these families can also have a negative long-term impact on society when greater numbers of patients declare bankruptcy or qualify for medical disability.

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