Published by clickbroker.blogspot.com.
The largest pharmaceutical companies have started a disturbing trend of fighting consumer incentives to control drug costs by subsidizing copayments and coinsurance. At the extreme these companies are even subsidizing the purchase of drugs by consumers without any coverage for pharmaceuticals.
The past few earnings calls from the large health insurers highlighted an unexpected reduction in demand for medical services from their insured members. This surprising source of profits could easily be attributed to the economy, but I see it as fundamental shift in the insurance market to discourage care through higher deductible plans, copays and coinsurance. This trend won’t stop until the healthcare reforms are fully implemented in 2014.
The Distortion of Drug Copay Reimbursements
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