Share to FacebookShare to TwitterShare to LinkedinHealth Insurance claim form and stethoscope on deskgetty

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In the midst of open enrollment on the Health Insurance Marketplace (Healthcare.gov) and Medicare’s Annual Enrollment period, millions of American consumers are in the market for a health plan. But once they get through the comparison of premiums and deductibles, confusion about those costs might get in the way of their care, if the experience of others is any guide..

在健康保险市场（Healthcare.gov）和Medicare年度注册期间公开注册的过程中，数百万美国消费者正在市场上制定健康计划。但是，一旦他们通过比较保费和免赔额，如果其他人的经验是任何指导，那么对这些成本的混淆可能会阻碍他们的护理。。

In the Care Access Benchmark Report released this fall from Kyruus, a digital health data and technology firm, nearly half (44%) of consumers surveyed said that they have avoided seeking healthcare services when they aren’t sure of the cost. Virtually all (96%) survey respondents said they consider cost when making healthcare decisions..

在今年秋季从数字健康数据和技术公司Kyruus发布的Care Access基准报告中，接受调查的消费者中近一半（44%）表示，当他们不确定成本时，他们避免寻求医疗服务。几乎所有（96%）的调查受访者表示，他们在做出医疗保健决策时都会考虑成本。。

The vast majority (87%) of respondents said they’d like accurate cost information when they pay out-of-pocket for healthcare services. Nearly as many (76%) said they wish they had more control over their healthcare costs.

绝大多数（87%）的受访者表示，当他们自费支付医疗服务时，他们希望获得准确的成本信息。几乎同样多（76%）表示希望他们能够更好地控制医疗费用。

Overall, 65% of respondents said their health plans offer transparency tools and most respondents (79%) said they’ve used those tools. More than half (54%) said they’ve used their health plan website to get information about a specific healthcare service or procedure.

总体而言，65%的受访者表示他们的健康计划提供透明度工具，大多数受访者（79%）表示他们使用过这些工具。超过一半（54%）表示他们已经使用他们的健康计划网站获取有关特定医疗服务或程序的信息。

Approximately two in five respondents reported that their health plans offer price-related transparency tools; 42% said their plan offers information on prescription costs, 41% provide information on the status of their deductible, and 39% have access to cost estimates for healthcare services.

大约五分之二的受访者表示，他们的健康计划提供与价格相关的透明度工具；42%表示他们的计划提供处方费用信息，41%提供有关其免赔额状况的信息，39%可以获得医疗服务成本估算。

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More than half (54%) of respondents reported having used their health plan website to gather cost information and 79% said they trust that their health plan can provide them with accurate information about healthcare costs.

超过一半（54%）的受访者表示已使用其健康计划网站收集成本信息，79%表示他们相信他们的健康计划可以为他们提供有关医疗保健成本的准确信息。

Among respondents whose plans offer transparency tools, 87% said these tools help them manage their healthcare spending. Even more (91%) said their health plan transparency tools help them better understand their insurance coverage and benefits. However, the survey results also suggest not enough consumers are getting enough help understanding their benefits; nearly two-thirds (64%) said they need more help understanding and navigating their healthcare options..

在计划提供透明度工具的受访者中，87%表示这些工具有助于他们管理医疗支出。更多（91%）表示，他们的健康计划透明度工具有助于他们更好地了解他们的保险范围和福利。然而，调查结果还表明，没有足够的消费者获得足够的帮助来了解他们的利益；近三分之二（64%）表示他们需要更多帮助来理解和导航他们的医疗保健选择。。

Forty percent of respondents said they’d found inaccurate information on their health plan website about participating healthcare providers and 69% said they wished their plan offered more accurate information about providers. More than three-quarters (77%) said that finding inaccurate information would impact their trust in the health plan..

百分之四十的受访者表示他们在健康计划网站上发现了有关参与医疗服务提供者的不准确信息，69%表示他们希望他们的计划提供有关提供者的更准确信息。超过四分之三（77%）表示，发现不准确的信息会影响他们对健康计划的信任。。

Cost And Coverage Even More Important Factors In Provider Selection This Year

成本和覆盖率-今年供应商选择中更重要的因素

A report released from Kyruus last year focused on consumers’ online behavior and expectations. In last year’s survey, 44% of consumers said they trusted their healthcare providers’ websites but just 20% viewed their health plan websites as trustworthy.

去年Kyruus发布的一份报告侧重于消费者的在线行为和期望。在去年的调查中，44%的消费者表示他们信任他们的医疗保健提供者的网站，但只有20%的人认为他们的健康计划网站值得信赖。

Consumers’ criteria for selecting new providers, services such as lab or imaging, or sites of service have evolved. Last year, 93% of respondents said that whether a provider accepted their insurance was an important factor in their selection; this year that figure was 99%. Last year, cost was an important factor for 73% of respondents; this year, it was an important factor for 92% of consumers..

消费者选择新提供商，实验室或成像等服务或服务站点的标准已经演变。去年，93%的受访者表示，提供者是否接受他们的保险是他们选择的重要因素；今年这个数字是99%。去年，成本是73%的受访者的重要因素；今年，这是92%的消费者的重要因素。。

Quality and convenience factors have also become more important to consumers. Last year, 87% of consumers said the provider’s expertise was a key factor in their choice and 84% said the same of the provider’s reputation. This year, those figures jumped to 97% and 98%, respectively.

质量和便利因素对消费者也变得更加重要。去年，87%的消费者表示，提供商的专业知识是他们选择的关键因素，84%的受访者表示与提供商的声誉相同。今年，这些数字分别跃升至97%和98%。

With consumers still feeling squeezed by inflation despite recent improvements, costs are likely to continue to factor prominently in consumers’ healthcare decisions for the foreseeable future.

尽管最近有所改善，消费者仍然感到受到通货膨胀的挤压，但在可预见的未来，成本可能会继续成为消费者医疗决策的重要因素。