Deductible Status in the Pediatric Population: A Barrier to Appropriate Care?

• Published in: Otolaryngology-head and neck surgery Vol. 167; no. 1; pp. 163 - 169
• Main Authors: Torrecillas, Vanessa F., Neuberger, Kaden, Ramirez, Alexander, Knighton, Andrew, Krakovitz, Paul, Richards, Nathan G., Srivastava, Raj, Meier, Jeremy D.
• Format: Journal Article
• Language: English
• Published: Los Angeles, CA SAGE Publications 01-07-2022
• Subjects: deductible status; health insurance plan; high‐deductible health plan; insurance; tonsillectomy; insurance; high-deductible health plan; tonsillectomy; deductible status; health insurance plan
• ISSN: 0194-5998; 1097-6817
• DOI: 10.1177/01945998211006933

Objective
The objective of this study is to evaluate the impact of high-deductible health plans on elective surgery (tonsillectomy) in the pediatric population.
Study Design
Cross-sectional study.
Setting
Health claims database from a third-party payer.
Methods
Data were reviewed for children up to 18 years of age who underwent tonsillectomy or arm fracture repair (nonelective control) from 2016 to 2019. Incidence of surgery by health plan deductible (high, low, or government insured) and met or unmet status of deductibles were compared.
Results
A total of 10,047 tonsillectomy claims and 9903 arm fracture repair claims met inclusion and exclusion criteria. The incidence of tonsillectomy was significantly different across deductible plan types. Patients with met deductibles were more likely to undergo tonsillectomy. In patients with deductibles ≥$4000, a 1.75-fold increase in tonsillectomy was observed in those who had met their deductible as compared with those who had not. These findings were not observed in controls (nonelective arm fracture). For those with met deductibles, those with high deductibles were much more likely to undergo tonsillectomy than those with low, moderate, and government deductibles. Unmet high deductibles were least likely to undergo tonsillectomy.
Conclusions
Health insurance plan type influences the incidence of pediatric elective surgery such as tonsillectomy but not procedures such as nonelective repair of arm fracture. High deductibles may discourage elective surgery for those deductibles that are unmet, risking inappropriate care of vulnerable pediatric patients. However, meeting the deductible may increase incidence, raising the question of overutilization.