251. Value-based insurance design in Louisiana: Blue Cross Blue Shield's Zero Dollar Co-pay program.
- Author
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Yuan X, Chaisson J, Cantrell D, Mohundro BL, Carby M, Ford M, Liu M, Ouyang J, Zhang Y, Williams HC, Vicidomina BV, Washington V, and Nigam SC
- Subjects
- Adolescent, Adult, Aged, Aged, 80 and over, Chronic Disease drug therapy, Chronic Disease economics, Drug Utilization statistics & numerical data, Female, Humans, Louisiana, Male, Middle Aged, Young Adult, Blue Cross Blue Shield Insurance Plans organization & administration, Blue Cross Blue Shield Insurance Plans statistics & numerical data, Deductibles and Coinsurance economics, Deductibles and Coinsurance statistics & numerical data, Drug Costs statistics & numerical data, Drug Utilization economics, Value-Based Health Insurance organization & administration, Value-Based Health Insurance statistics & numerical data
- Abstract
Objectives: To determine whether a program that eliminated pharmacy co-pays, the Blue Cross Blue Shield of Louisiana (BCBSLA) Zero Dollar Co-pay (ZDC) program, decreased health care spending. Previous studies have found that value-based insurance designs like the ZDC program have little or no impact on total health care spending. ZDC included an expansive set of medications related to 4 chronic diseases rather than a limited set of medications for 1 or 2 chronic diseases. Additionally, ZDC focused on the most at-risk patients., Study Design: ZDC began in 2014 and enrolled patients over time based on (1) when a patient answered a call from a nurse care manager and (2) when a patient or their employer changed the benefit structure to meet the program criteria. During 2015 and 2016, 265 patients with at least 1 chronic condition (asthma, diabetes, hypertension, mental illness) enrolled in ZDC., Methods: Observational study using within-patient variation and variation in patient enrollment month to identify the impact of the ZDC program on health spending measures. We used 100% BCBSLA claims data from January 2015 to June 2018. Monthly level event studies were used to test for differential spending patterns prior to ZDC enrollment., Results: We found that total spending decreased by $205.9 (P = .049) per member per month, or approximately 18%. We saw a decrease in medical spending ($195.0; P = .023) but did not detect a change in pharmacy spending ($7.59; P = .752). We found no evidence of changes in spending patterns prior to ZDC enrollment., Conclusions: The ZDC program provides evidence that value-based insurance designs that incorporate a comprehensive set of medications and focus on populations with chronic disease can reduce spending.
- Published
- 2020
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