Why patients should ask providers about health care costs

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The health care affordability crisis that millions of Americans are struggling with is getting worse. The proliferation of high-deductible plans, which push a bigger share of costs onto patients, is one major driver. Another is the sharp drop in premium subsidies for Americans who get their coverage through the Affordable Care Act. Combined with rising drug costs, these trends continue to push medical debt levels higher, including among Americans who are insured.

Patients need to arm themselves with knowledge, argue Helen Colby from Indiana University and Deirdre Popovich from Texas Tech, business professors who study consumer decision-making. Asking questions about cost can empower patients in meaningful ways – but all too often, people hold back, research shows.

In particular, consumers can ask questions about the availability of generic drugs, cheaper alternative treatments and payment assistance – which can make a big difference on the final price tag. The authors write: “Physicians can’t address financial concerns they don’t hear about, and most want to help their patients access care they can realistically follow through on. As costs continue to shift toward the patient’s burden, asking these questions isn’t just helpful – it’s essential.”

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Helen Fessenden

Senior Economy and Business Editor

A doctor at the National Cancer Institute talks with a patient. National Cancer Institute on Unsplash

Health care sticker shock has become the norm, but talking to your doctor about costs can help you rein it in

Helen Colby, Indiana University; Deidre Popovich, Texas Tech University

Three questions can help patients get a better handle on drug and health care options. But many Americans still hold back from asking providers for information.

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