Responsible HealthCare Decisions Video

The Vice President for Managed Care and Physician Services at Roper St. Francis HealthCare gives an example of what she says is a danger in taking more responsibility for one's healthcare decisions.
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High Deductible Health Plans: Responsibility in Healthcare Decisions. There absolutely isn't and I can give you a real good example that we ran into it a lot. MRIs for example, if you have back pain and you go to your Primary care physician and they say, well, we think that at this point, you need to be referred on to a specialist to evaluate your back pain, see whether you need further treatment, but you are going to need an MRI and so if you are in the high-deductible health claim, your goal is to purchase the cheapest MRI out there and we have situations where some of our members have gone and purchased them as a least expensive MRI. They get to the surgeon's office and the surgeon, the quality of the MRI is so poor that it has to be redone at another facility. Now the person is paid for two MRIs and so there is a danger in choosing cost over quality and that's something that the healthcare community is very concerned about, because healthcare is a very complex issue and again, we as healthcare providers, have a heard time defining quality. How do I ensure I make "smart" decisions with a High Deductible Health Plan? I think the research is absolutely critical. They need to educate themselves on their primary care physician who should be the primary source of their healthcare and really, educate themselves on where that physician went to school, what kind of training that they have. Do they have any malpractice concerns, what sort of -- are they NCQA credited, you know there are lots of difference ways, and through your insurance company. They can provide you statistics on the quality of your providers, but asking a lot of questions, doing a lot of research, certainly the physicians, the healthcare provider, should be the one, help assisting you in making your healthcare decisions, but it's always good to walk in educated and ask good questions and recognize that you need to be personally accountable for your own healthcare services, not just the services that you receive but the prevention of the services, keeping yourself well, exercising, eating appropriately, not smoking. If you are going to be in a high-deductible health plan, where you are responsible for the first let's say $5000, then it's to your benefit, to stay as well, as you possibly can, so you never have to go to the doctor. What makes one spine surgeon better than another spine surgeon or one hospital better than another hospital, it's really challenging, and we are concerned that people will placing more of a priority on cost than they are on the quality of the services rendered.

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