Sponsored by the HealthWell Foundation, the study found considerable financial burdens related to chemotherapy. Although 90% of the survey participants had health insurance, most were underinsured with a mean monthly out-of-pocket expense of $712 (median $459). Most said this represented a financial burden that they described as moderate (39%), significant (30%) or catastrophic (11%).
As a result, 70% reduced leisure activities, 48% turned to their savings, and 18% sold possessions. Because of the cost of their drugs, 26% didn’t fill prescriptions.
Among their coping mechanisms for dealing with drug costs, patients asked for samples, requested cheaper drugs, sought out drugs from another country via the Internet, and shopped for lower prescription prices. To pay for their drugs, 43% borrowed money or used credit. When their cancer symptoms brought them to the hospital, many asked their doctors to let them stay for the night in the hopes of ensuring that their insurance would cover the hospital care.
These patients were less happy with their care and reported a reduced quality and standard of living. Most said they had talked to their doctor about costs, but perhaps too late in the course of their care, Dr. Zafar said.
The findings were seen among respondents who kept diaries and completed a monthly survey for 4 months. Most were white women: 76% had breast cancer. The survey was national, but 23% of the respondents resided in North Carolina. Over half were retired, 33% were college educated, and 65% earned less than $20,000 per year.
Dr. Zafar acknowledged that the findings are limited by the size of study, that all participants were on chemotherapy, and that most participants were breast cancer patients. Also, disease outcomes were not assessed.