Archive for April, 2010

Mind Over Body….Mind Over Money

Dorothy Jeffress
Friday, April 30th, 2010

I was captivated this week by the PBS special Mind Over Money. This show featured the contrasting perspectives and studies of economists about how we make decisions about our money − thoughts of which apparently light up a deep old part of the brain that also glimmers when either sex or food is considered.  There is a camp of rational economists and the alternative view of behavioral economists who have an intense debate raging on how people and the marketplace behave.  The rational folks theorize that we operate with self-interest  and self-preservation as our primary motives , which lead us (as a whole and over time) to make thoughtful decisions about investing and everyday purchases…where risks and gains are clearly factored into our choices.

The behavioral folks, championed by Robert Shiller, the guy who warned us of Irrational Exuberance in 2000, caution that we are far more motivated by impulse and emotion, particularly social contagions.  See 21st century real estate for the most recent and 15th century tulip bulbs for the first bubble frenzies…and of course the 1929 crash and 2008 Wall Street panic for bursting bubbles.

I was struck by how much this debate parallels the convictions of “rational” public health experts who seem to assume that if the public is informed with accurate information and the latest research on healthy behaviors, we will act rationally to protect our self-interests and decrease our Big Mac consumption and get those colonoscopies and flu shots.

But fast food purchases are rising and it appears that even when preventive health services are covered by insurance, mind over body is just as elusive as ethics at Goldman Sachs.  Instead, so many of our choices reflect an innate desire for immediate satisfaction over long-term gains.  It appears we haven’t really come a long way baby…instead that tiny pre-conscious bit of grey matter still just loves to be bedazzled and distracted.

Can You Really Choose the Best?

Trudy Lieberman
Thursday, April 29th, 2010

A letter just arrived in the mail from Aetna, my insurance carrier, telling me that it was ending its relationship with three of my favorite health care providers:

1) Beth Israel Medical Center, the nearest hospital to my apartment;

2) DOCS, a walk-in clinic where I go for emergency antibiotics when I can’t get in to see my regular doctors and

3) New York Eye & Ear Infirmary, two blocks from home and where my eye doctor, perhaps the best glaucoma specialist in the city, now does his surgery.  They are the best around, he says, having moved his business from one of New York’s gigantic teaching hospitals that advertises a lot on TV.

Not that I need any eye surgery, but I wanted to know why my doctor  thought New York Eye & Ear was superior to where he used to practice.  They have the best operating room nurses and do lots of volume, he explained.  Hmm!  Volume—that’s what all the experts say is important when you choose a hospital or a physician to perform delicate procedures.  The more eye surgeries a doctor or hospital does, the greater your chances are for a good outcome.  I wouldn’t want to have someone mess around with my eyes if the hospital performed these surgeries only once in awhile.

But should I need surgery, New York Eye & Ear is now off limits unless I want to pay for the operation myself or request that Aetna pay out-of-network benefits, which they often forget to do when I file the occasional claim.  After several months of trying to get my reimbursement, I just give up.  That’s probably what Aetna wants.

So here I am caught in the classic consumer health care dilemma.  You do your homework (standard consumer advice), read the comparative ratings (which still have yet to catch on), get your doctor’s take on where he or she thinks is the best place to go (we have to trust somebody), think you’ve done all the right things, and bingo, the insurance company says no dice.

To get a handle on the out-of-control medical costs, which really do stem from what doctors and hospitals charge, insurers are telling providers they won’t pay what they are asking.  This is what happened with Aetna and Beth Israel hospital’s health system, Continuum Health Partners.  Continuum asked for a 40 percent increase in payments over three years.  Aetna said no.

All of this shows why a lot of the rhetoric surrounding health reform was just that—rhetoric.  Consumer choice—it’s not there.  Continuity of care—not there either.

While it’s easy to blame insurance companies, and reform advocates and politicos have painted them as the devil incarnate, some actions by insurers do have a legitimate basis.

If insurers bow to humongous rate requests by providers, they will simply pass them along in the form of higher premiums—which is what they are already doing.  And the public doesn’t like that one bit.

This is how the real world of health care works as the marketplace continues to be a battle of the Goliaths—the big insurers vs. the big hospital systems.

P.S.  I can go to Beth Israel in an emergency, and Aetna says it will pay in-network benefits.  But exactly what is an emergency?  I walked over there the day I poked a knife into my hand opening a ketchup bottle.  Who would have paid for the one stitch I needed—the insurance company or me?

Getting Test Results

Dorothy Jeffress
Tuesday, April 27th, 2010

Over the years, I’ve filled out plenty of forms at doctors’ offices, but this was a new one for me:

Getting Test Results: this form stated that as my doctor could not keep up with when and whether I had gone for testing and when or what results might be available, it was my responsibility for all test follow-up.  It went on to candidly admit that sometimes test findings are overlooked or misplaced and that it was simply best for patients to be in charge of keeping up with all their tests and to initiate contact with the doctor’s office to track their status and to discuss and review them.  I was expected to add my name and date as an acknowledgement of this new explicit role and expectation.

This was my first visit with that doctor.

I am still shaking my head…on the one hand…OK….maybe this just states that this responsibility is in my hands and that by signing this form, I acknowledge that as an adult, I must maintain a watchful and proactive approach to insuring I get safe, decent health care.  And my doctor’s office has clearly let me know that they believe it is not their role to provide this oversight…so fair warning.  But today’s Washington Post article, When it’s helpful to tune out the truth, raises some question about just how responsible we can be for our health at all times without some proactive,  compassionate and understanding professional support by our side.

It is too soon in our relationship for me to know how and if this new doctor might help me confront and face troubling medical tests like a new cancer diagnosis.  But signing just this one form about getting my test results, gives me pause, and it makes me suspect that maybe this new physician practice is not going to be my last.

Risky Treatment Decisions: The Devil and the Deep Blue Sea

Jessie Gruman
Thursday, April 22nd, 2010

Tuesday’s New York Times ran a story about the unreliability of the tests and the variation among laboratory standards that determine the potential effectiveness of new targeted cancer treatments.  Linda Griffin, a physician with breast cancer, described the series of treatment decisions she made with her doctors about whether or not to take the very expensive, fairly disruptive and potentially very effective drug, Herceptin, based on a genetic test that was inconclusive and further, which produced different findings when the same material was retested. From the NYT story:

HER2 tests, for instance, can give false-positives up to 20 percent of the time, wrongly telling women they need the drug when they do not. Five percent to 10 percent of the time the tests can falsely tell a woman that she should not take the drug, when she should.”

As a result of frequently observed variations like these,

HER2 testing guidelines (have been developed) by the College of American Pathology and the American Society of Clinical Oncology, dictating criteria for declaring a test positive or negative and requiring proficiency testing, among other things.

…. About 900 of the nation’s estimated 1,500 labs agreed to follow the guidelines.

But even so, said Dr. Bloss of GlaxoSmithKline, there seemed to be approximately a 20 percent discordance between labs.”

 

Despite all the tests and the incredibly sophisticated science behind Linda Griffith’s choices, there was no right answer about which treatment to pursue.  She and her doctor had to weigh the risks of 1) the cancer itself,  2) the inaccuracy of the genetic test 3) the potential effectiveness of Herceptin to treat her cancer and 4) the intrusive side effects.  This was not a one-shot choice, but rather a series of excruciating decisions made together under conditions of great uncertainty.

Making such decisions about high stakes risky treatments requires a strong, flexible relationship with a provider you trust that allows you to thoughtfully blend your preferences and needs and tolerance for risk with your provider’s own expertise, experience and tolerance for risk.

Similar situations will become more typical for people with a variety of serious diagnoses as new first-line treatments become available with little evidence to guide their use. Personalized medicine –targeting special medications that match an individual’s genetic make-up – is increasingly seen as a potential solution to many intractable diseases.

That said, many treatments currently in use for cancer and MS and some heart conditions already require that we weigh risk against risk, uncertainty against uncertainty, even without the added genetic information.  Sometimes we don’t ever realize we have this option – we just do what our doctor suggests.  Or we locate a decision support guide that arrays various risks for us and we try to personalize those numbers to our lives. Or we struggle to sort through the options with our physician in the brief time available to us.

Much will have to change on our end and on our providers’ end if medical advances are to make a difference to us.  Increasingly, we are going to have to pay attention – educate ourselves – be ready to talk turkey about complicated and frightening options.  And our providers are going to have to bring us along, make it possible for us to understand and deliberate – with them and with our loved ones – and ultimately to make decisions that are right for us.

Linda Griffin repeated her genetic test; she read the background literature in preparation for her meeting with her doctor.

“In the end, the studies, along with Dr. Winer’s clinical perspective, did not convince her that the drug would help. The risk of serious heart damage and other side effects was scary. And, she said, she cannot ignore the drug’s price, even though her insurer would pay.

 

“I am very comfortable with my decision,” she said.”