Skip to content
  • About
  • Contact
  • Contribute
  • Book
  • Careers
  • Podcast
  • Recommended
  • Speaking
KevinMD
  • All
  • Physician
  • Practice
  • Policy
  • Finance
  • Conditions
  • .edu
  • Patient
  • Meds
  • Tech
  • Social
  • Video
  • All
  • Physician
  • Practice
  • Policy
  • Finance
  • Conditions
  • .edu
  • Patient
  • Meds
  • Tech
  • Social
  • Video
    • All
    • Physician
    • Practice
    • Policy
    • Finance
    • Conditions
    • .edu
    • Patient
    • Meds
    • Tech
    • Social
    • Video
    • About
    • Contact
    • Contribute
    • Book
    • Careers
    • Podcast
    • Recommended
    • Speaking
KevinMD
  • All
  • Physician
  • Practice
  • Policy
  • Finance
  • Conditions
  • .edu
  • Patient
  • Meds
  • Tech
  • Social
  • Video
    • All
    • Physician
    • Practice
    • Policy
    • Finance
    • Conditions
    • .edu
    • Patient
    • Meds
    • Tech
    • Social
    • Video
    • About
    • Contact
    • Contribute
    • Book
    • Careers
    • Podcast
    • Recommended
    • Speaking
  • About KevinMD | Kevin Pho, MD
  • Be heard on social media’s leading physician voice
  • Contact Kevin
  • Discounted enhanced author page
  • DMCA Policy
  • Establishing, Managing, and Protecting Your Online Reputation: A Social Media Guide for Physicians and Medical Practices
  • Group vs. individual disability insurance for doctors: pros and cons
  • KevinMD influencer opportunities
  • Opinion and commentary by KevinMD
  • Physician burnout speakers to keynote your conference
  • Physician Coaching by KevinMD
  • Physician keynote speaker: Kevin Pho, MD
  • Physician Speaking by KevinMD: a boutique speakers bureau
  • Primary care physician in Nashua, NH | Doctor accepting new patients
  • Privacy Policy
  • Recommended services by KevinMD
  • Terms of Use Agreement
  • Thank you for subscribing to KevinMD
  • Thank you for upgrading to the KevinMD enhanced author page
  • The biggest mistake doctors make when purchasing disability insurance
  • The doctor’s guide to disability insurance: short-term vs. long-term
  • The KevinMD ToolKit
  • Upgrade to the KevinMD enhanced author page
  • Why own-occupation disability insurance is a must for doctors

Patients will skip care with higher deductibles and copays

Davis Liu, MD
Policy
August 6, 2010
Share
Tweet
Share

The Wall Street Journal reported that overall medical use fell as patients had fewer doctor office visits, lab testing, and maintenance medications possibly due to the recession or as a result of consumer driven healthcare in the way of higher deductibles and copays.

This is very worrisome.  Certainly patients should have some financial responsibility for their care, but skimping on care will only result in Americans not becoming healthier, but sicker.  Though the article cited some examples of patients saving money by not seeing their allergist for a refill of medication and simply calling for one and getting an athletic physical at a local urgent care clinic for $40 rather than $90 at the doctor’s office, these tiny behavior changes aren’t going to bend the cost curve in medical care.

Sure, some patients are holding off on elective surgeries.  This might be a good thing as research has suggested that Americans get too many procedures compared to other industrialized countries.  However, this could be equally as bad as there may be an equal number of people who truly need surgery to improve their quality of life and ability to walk but can’t do so because they can’t afford it.

With more financial responsibility of higher deductibles and copays, patients will simply skip care, specifically, needed medical care.  As the drugstore CVS noted, there was a “drop-off in new prescriptions for maintenance drugs tied to a decline in physician visits”.  In other words, patients are not getting treated for their high cholesterol, high blood pressure, or diabetes to prevent premature heart attacks or strokes.

Paul Ginsburg, a respected health economist of the Center for Studying Health System Change noted that this patient behavior “could go beyond the recession. Being a less aggressive consumer of health care is here to stay.”

I disagree with him in the sense that patients weren’t necessarily aggressive before, but behaved in a rational manner when copays were low, there were no costs to medications, lab work, and office visits.  The question is with very high financial barriers to seek care will they make the right choices?  Will Americans change their behavior and become healthier?

The answer is no.

As a practicing primary care doctor I know when I must seek medical care and when I can safely skip.  If this data holds true for the next few years, America will have a very big problem.   We will have a less healthy workforce because they cut corners on their health.  A generation of Americans who will skip important preventive screening tests because they feel fine and aren’t willing to pay the high copays.  Those with medical conditions like diabetes will develop avoidable complications of blindness, kidney failure, and amputations because patients don’t renew their maintenance medications.

Americans will die sooner, have a worse quality of life, and more preventable complications as a result of consumer driven healthcare.  The doctors who are best in advising patients on the right care, the primary care doctors like internists and family doctors, are leaving their practice in droves because of issues of work-life balance and decreasing reimbursement.  Healthcare costs for the short-term may fall only to rise rapidly as patients are forced to be treated for conditions that could have been handled earlier more easily and for a lot less.

In other words, the perfect storm of a worsening healthcare system is upon us soon.

Which will leave the government no choice but to establish a single payer government run system.

Davis Liu is a family physician who blogs at Saving Money and Surviving the Healthcare Crisis and is the author of The Thrifty Patient – Vital Insider Tips for Saving Money and Staying Healthy and Stay Healthy, Live Longer, Spend Wisely.

Prev

Randomized controlled clinical trials and the Human Genome Project

August 6, 2010 Kevin 1
…
Next

3 tips to stick with an exercise program

August 6, 2010 Kevin 4
…

Tagged as: Primary Care, Public Health & Policy

< Previous Post
Randomized controlled clinical trials and the Human Genome Project
Next Post >
3 tips to stick with an exercise program

ADVERTISEMENT

More by Davis Liu, MD

  • The mission to make health care equitable and accessible for all

    Davis Liu, MD
  • How to close the leadership challenge and end this COVID chapter

    Davis Liu, MD
  • What’s wrong with health care, and do we have the will to change?

    Davis Liu, MD

More in Policy

  • Executive order on homelessness: Why forced treatment fails

    Gary McMurtrie
  • Immigrant caregiver burden: the hidden cost of the five-year Medicaid wait

    Ranjita Suresh
  • Employer-sponsored DPC: Why private equity is winning the infrastructure race

    Dana Y. Lujan, MBA
  • Why Filipino nurses faced higher COVID-19 mortality rates

    Joaquim Diego Santos
  • The health insurance crisis 2026: What Kentuckians need to know

    Susan G. Bornstein, MD, MPH
  • Health insurance waste: Why eliminating the middleman saves billions

    Edward Anselm, MD
  • Most Popular

  • Past Week

    • Why Medicare must cover atrial fibrillation screening to prevent strokes

      Radhesh K. Gupta | Conditions
    • Why medical school DEI mission statements matter for future physicians

      Aditi Mahajan, MEd, Laura Malmut, MD, MEd, Jared Stowers, MD, and Khaleel Atkinson | Education
    • The American Board of Internal Medicine maintenance of certification lawsuit: What physicians need to know

      Brian Hudes, MD | Physician
    • Teaching joy transforms the future of medical practice [PODCAST]

      The Podcast by KevinMD | Podcast
    • AI censorship threatens the lifeline of caregiver support [PODCAST]

      The Podcast by KevinMD | Podcast
    • A physician’s quiet reflection on January 1, 2026

      Dr. Damane Zehra | Conditions
  • Past 6 Months

    • Will AI replace primary care physicians?

      P. Dileep Kumar, MD, MBA | Tech
    • What is the minority tax in medicine?

      Tharini Nagarkar and Maranda C. Ward, EdD, MPH | Education
    • Why the U.S. health care system is failing patients and physicians

      John C. Hagan III, MD | Policy
    • Alex Pretti: a physician’s open letter defending his legacy

      Mousson Berrouet, DO | Physician
    • Health care as a human right vs. commodity: Resolving the paradox

      Timothy Lesaca, MD | Physician
    • Why voicemail in outpatient care is failing patients and staff

      Dan Ouellet | Tech
  • Recent Posts

    • Tobacco cessation offers untapped revenue for medical practices [PODCAST]

      The Podcast by KevinMD | Podcast
    • Executive order on homelessness: Why forced treatment fails

      Gary McMurtrie | Policy
    • The medical referral process: Why it fails and how to fix it

      Abhijay Mudigonda | Education
    • Physician wellness theater: Why pizza parties do not fix burnout

      Patrick Hudson, MD | Physician
    • Antimicrobial resistance causes: Why social factors matter more than drugs

      Maureen Oluwaseun Adeboye | Conditions
    • Immigrant caregiver burden: the hidden cost of the five-year Medicaid wait

      Ranjita Suresh | Policy

Subscribe to KevinMD and never miss a story!

Get free updates delivered free to your inbox.


Find jobs at
Careers by KevinMD.com

Search thousands of physician, PA, NP, and CRNA jobs now.

Learn more

View 35 Comments >

Founded in 2004 by Kevin Pho, MD, KevinMD.com is the web’s leading platform where physicians, advanced practitioners, nurses, medical students, and patients share their insight and tell their stories.

Social

  • Like on Facebook
  • Follow on Twitter
  • Connect on Linkedin
  • Subscribe on Youtube
  • Instagram

ADVERTISEMENT

ADVERTISEMENT

  • Most Popular

  • Past Week

    • Why Medicare must cover atrial fibrillation screening to prevent strokes

      Radhesh K. Gupta | Conditions
    • Why medical school DEI mission statements matter for future physicians

      Aditi Mahajan, MEd, Laura Malmut, MD, MEd, Jared Stowers, MD, and Khaleel Atkinson | Education
    • The American Board of Internal Medicine maintenance of certification lawsuit: What physicians need to know

      Brian Hudes, MD | Physician
    • Teaching joy transforms the future of medical practice [PODCAST]

      The Podcast by KevinMD | Podcast
    • AI censorship threatens the lifeline of caregiver support [PODCAST]

      The Podcast by KevinMD | Podcast
    • A physician’s quiet reflection on January 1, 2026

      Dr. Damane Zehra | Conditions
  • Past 6 Months

    • Will AI replace primary care physicians?

      P. Dileep Kumar, MD, MBA | Tech
    • What is the minority tax in medicine?

      Tharini Nagarkar and Maranda C. Ward, EdD, MPH | Education
    • Why the U.S. health care system is failing patients and physicians

      John C. Hagan III, MD | Policy
    • Alex Pretti: a physician’s open letter defending his legacy

      Mousson Berrouet, DO | Physician
    • Health care as a human right vs. commodity: Resolving the paradox

      Timothy Lesaca, MD | Physician
    • Why voicemail in outpatient care is failing patients and staff

      Dan Ouellet | Tech
  • Recent Posts

    • Tobacco cessation offers untapped revenue for medical practices [PODCAST]

      The Podcast by KevinMD | Podcast
    • Executive order on homelessness: Why forced treatment fails

      Gary McMurtrie | Policy
    • The medical referral process: Why it fails and how to fix it

      Abhijay Mudigonda | Education
    • Physician wellness theater: Why pizza parties do not fix burnout

      Patrick Hudson, MD | Physician
    • Antimicrobial resistance causes: Why social factors matter more than drugs

      Maureen Oluwaseun Adeboye | Conditions
    • Immigrant caregiver burden: the hidden cost of the five-year Medicaid wait

      Ranjita Suresh | Policy

MedPage Today Professional

An Everyday Health Property Medpage Today

Copyright © 2026 KevinMD.com | Powered by Astra WordPress Theme

  • Terms of Use | Disclaimer
  • Privacy Policy
  • DMCA Policy
All Content © KevinMD, LLC
Site by Outthink Group

Patients will skip care with higher deductibles and copays
35 comments

Comments are moderated before they are published. Please read the comment policy.

Loading Comments...