Gastos das famílias com planos de saúde no Brasil e comprometimento da renda domiciliar: uma análise da Pesquisa de Orçamentos Familiares (2017/2018) / Family expenditures on healthcare plans in Brazil and household budget commitment: an analysis of the Brazilian Household Budgets Survey (2017/2018) / Gastos de las familias con planes de salud en Brasil y comprometimiento de la renta domiciliaria: un análisis de la Encuesta de Presupuestos Familiares (2017/2018)

Estudos com edições anteriores da Pesquisa de Orçamentos Familiares (POF) indicam que, no Brasil, pagar um plano de saúde aumenta o percentual da renda gasto com saúde e não reduz a probabilidade de ter gastos excessivos com saúde. Descrevem-se relações entre gastos com planos de saúde, renda e faixas etárias, destacando o efeito de ter plano sobre a probabilidade de comprometer mais de 40% da renda com despesas relacionadas à saúde. Análise de microdados da POF 2017/2018 para determinar o comprometimento da renda domiciliar per capita dos pagantes de planos por faixa etária e por tipo de plano, e regressão logística para fatores associados a comprometer mais de 40% da renda com despesas de saúde. Em 12 meses, R$ 78,1 bilhões foram gastos com planos médicos por 22,1 milhões de pessoas. O comprometimento da renda com planos individuais aumenta consistentemente com a idade, passando de 4,5% da renda domiciliar per capita (< 19 anos) para 10,6% dessa renda (79 anos ou mais). A probabilidade de comprometer mais de 40% da renda com despesas de saúde diminui com a renda, cresce com a idade e é maior para quem paga plano de saúde. A despesa apenas com os planos supera 40% da renda domiciliar per capita para 5,6% das pessoas com 60 anos ou mais que pagam planos individuais e para 4% das que pagam planos empresariais. As pessoas nas faixas de idade mais altas e faixas de renda mais baixas são as com maior probabilidade de comprometer mais de 40% da renda com despesas de saúde. Rever as regras de reajuste por idade dos planos é uma alternativa para tentar mitigar esse problema.

According to studies using previous editions of the Household Budgets Survey (POF) in Brazil, paying for a healthcare plan increases the percentage of income spent on health and fails to reduce the probability of incurring excessive health expenditures. The study's objective was to describe relations between expenditures on healthcare plans, income, and age groups, highlighting the effect of having a plan on the probability of committing more than 40% of income on health-related expenditures. An analysis of the POF 2017/2018 determined the commitment of per capita household income for payers of plans by age group and type of plan and logistic regression for factors associated with committing more than 40% of income to health-related expenditures. In 12 months, 22.1 million Brazilians spent BRL 78.1 billion on private medical insurance. The share of income spent on individual plans increases consistently with age, from 4.5% of per capita household income (at < 19 years) to 10.6% of this income (at 79 years or older). The probability of committing more than 40% of income to health expenditures decreases with income, increases with age, and is higher for those paying for health plans. Spending on healthcare plans alone exceeds 40% of per capita household income for 5.6% of Brazilians 60 years or older who pay for individual plans and for 4% of those who pay for company plans. Persons in the oldest age groups and in the lowest income brackets show the highest likelihood of spending more than 40% of their income on healthcare. A revision of the plans' adjustment by age is an alternative for attempting to mitigate this problem.

Estudios con ediciones anteriores de la Encuesta de Presupuestos Familiares (POF) indican que, en Brasil, pagar un plan de salud aumenta el porcentaje de la renta gastado con salud y no reduce la probabilidad de tener gastos excesivos con la salud. El objetivo fue describir las relaciones entre gastos con planes de salud, renta y franjas de edad, destacando el efecto de tener un plan sobre la probabilidad de comprometer más de un 40% de la renta con gastos relacionados con la salud. Se realizó un análisis de microdatos de la POF 2017/2018 para determinar el comprometimiento de la renta domiciliaria per cápita de los pagadores de planes por franja etaria y por tipo de plan, así como una regresión logística para factores asociados con comprometer más de un 40% de la renta con gastos de salud. En 12 meses, BRL 78,1 mil millones se gastaron con planes médicos por 22,1 millones de personas. El comprometimiento de la renta con planes individuales aumenta consistentemente con la edad, pasando de 4,5% de la renta domiciliaria per cápita (< 19 años) al 10,6% de esa renta (79 años o más). La probabilidad de comprometer más de un 40% de la renta con gastos de salud disminuye con la renta, crece con la edad y es mayor para quien paga un plan de salud. El gasto solo con los planes supera un 40% de la renta domiciliaria per cápita para un 5,6% de las personas con 60 años o más que pagan planes individuales y para un 4% de los que pagan planes empresariales. Las personas en las franjas de edad más altas y franjas de renta más bajas son las que tienen mayor probabilidad de comprometer más de un 40% de la renta con gastos de salud. Revisar las reglas de reajuste por edad de los planes es una alternativa para intentar mitigar ese problema.

Gasto catastrófico na síndrome congênita do vírus Zika: resultados de um estudo transversal com cuidadores de crianças no Rio de Janeiro, Brasil / Catastrophic expenditure on congenital Zika syndrome: results of a cross-sectional study of caregivers of children in Rio de Janeiro, Brazil / Gasto catastrófico en el síndrome congénito del virus Zika: resultados de un estudio transversal con cuidadores de niños en Río de Janeiro, Brasil

Em 2015, houve um aumento de casos de más-formações congênitas entre recém-nascidos no Brasil associado ao vírus Zika, com repercussões sociais e econômicas para as famílias. O objetivo deste estudo foi estimar a prevalência de gasto catastrófico para famílias de crianças com síndrome congênita do vírus Zika (SCZ) grave, leve/moderada em comparação com famílias de crianças sem diagnóstico de SCZ, no Estado do Rio de Janeiro. O termo gasto catastrófico ocorre quando o gasto excede determinada proporção da renda da família devido à doença. Os cuidadores de crianças com SCZ grave eram mais jovens, com menor escolaridade e renda. A prevalência de gasto catastrófico foi maior em famílias de crianças com SCZ. Dentre os cuidadores de crianças com SCZ grave, identificou-se que a prevalência de gasto catastrófico foi mais elevada entre aqueles que apresentaram graus de depressão, ansiedade e estresse graves ou muito graves. O baixo apoio social entre os cuidadores também foi determinante para o aumento da prevalência do gasto. A carga que incide sobre os cuidadores de crianças com SCZ grave potencializa uma situação de vulnerabilidade que demanda a amplificação do acesso aos mecanismos de proteção financeira e social, através da articulação de diferentes políticas que sejam capazes de alcançar efetivamente esse grupo.

In 2015, there was an increase in cases of congenital malformations in newborns in Brazil, associated with maternal Zika virus infection, having serious social and economic repercussions for the families. The study aimed to estimate the prevalence of catastrophic expenditure by families of children with severe or mild/moderate congenital Zika syndrome (CZS) in comparison to families of children without a diagnosis of CZS in the state of Rio de Janeiro. Catastrophic expenditure occurs when spending exceeds a given proportion of the family income due to a disease. Family caregivers of children with severe CZS were younger and had less schooling and lower income. Prevalence of catastrophic expenditure was higher in families of children with CZS. Among caregivers of children with severe CZS, the prevalence of catastrophic expenditure was higher in those with severe or very severe depression, anxiety, and stress. Low social support among caregivers was also a determinant factor for increased prevalence of catastrophic expenditure. The burden on caregivers of children with severe CZS exacerbates a situation of vulnerability that requires the expansion of mechanisms for financial and social protection, through linkage of various policies capable of effectively reaching this group.

En 2015, hubo un aumento de casos de malformaciones congénitas entre recién nacidos en Brasil, asociado al virus zika con repercusiones sociales y económicas para las familias. El objetivo de este estudio fue estimar la prevalencia de gasto catastrófico para las familias de niños con síndrome congénito del virus Zika (SCZ) grave, leve/moderado, en comparación con familias de niños sin diagnóstico de SCZ, en el estado de Río de Janeiro. El término gasto catastrófico se usa cuando el gasto excede una determinada proporción de la renta de la familia, debido a la enfermedad. Los cuidadores de niños con SCZ grave eran más jóvenes, con menor escolaridad y renta. La prevalencia de gasto catastrófico fue mayor en familias de niños con SCZ. Entre los cuidadores de niños con SCZ grave se identificó que la prevalencia de gasto catastrófico fue más elevada entre aquellos que presentaron grados de depresión, ansiedad y estrés grave o muy grave. El bajo apoyo social entre los cuidadores también fue determinante para el aumento de la prevalencia del gasto. La carga que incide sobre los cuidadores de niños con SCZ grave potencia una situación de vulnerabilidad que demanda la ampliación del acceso a los mecanismos de protección financiera y social, a través de la coordinación de diferentes políticas que sean capaces de alcanzar efectivamente a ese grupo.

Catastrophic health expenditure and multimorbidity among older adults in Brazil / Gastos catastróficos em saúde e multimorbidade entre adultos mais velhos no Brasil

ABSTRACT OBJECTIVE: To estimate the relation between catastrophic health expenditure (CHE) and multimorbidity in a national representative sample of the Brazilian population aged 50 year or older. METHODS: This study used data from 8,347 participants of the Estudo Longitudinal de Saúde dos Idosos Brasileiros (ELSI - Brazilian Longitudinal Study of Aging) conducted in 2015-2016. The dependent variable was CHE, defined by the ratio between the health expenses of the adult aged 50 years or older and the household income. The variable of interest was multimorbidity (two or more chronic diseases) and the variable used for stratification was the wealth score. The main analyses were based on multivariate logistic regression. RESULTS: The prevalence of CHE was 17.9% and 7.5%, for expenditures corresponding to 10 and 25% of the household income, respectively. The prevalence of multimorbidity was 63.2%. Multimorbidity showed positive and independent associations with CHE (OR = 1.95, 95%CI 1.67-2.28, and OR = 1.40, 95%CI 1.11-1.76 for expenditures corresponding to 10% and 25%, respectively). Expenditures associated with multimorbidity were higher among those with lower wealth scores. CONCLUSIONS: The results draw attention to the need for an integrated approach of multimorbidity in health services, in order to avoid CHE, particularly among older adults with worse socioeconomic conditions.

RESUMO OBJETIVO: Estimar a relação entre gasto catastrófico em saúde (GCS) e multimorbidade em amostra nacional representativa da população brasileira com 50 anos de idade ou mais. MÉTODOS: Foram utilizados dados de 8.347 participantes do Estudo Longitudinal da Saúde dos Idosos Brasileiros (2015-2016). A variável dependente foi o GCS, definido pela razão entre as despesas com saúde do adulto de 50 anos ou mais e a renda domiciliar. A variável de interesse foi a multimorbidade (duas ou mais doenças crônicas), e a variável utilizada para estratificação foi o escore de riqueza. As principais análises foram baseadas na regressão logística multivariada. RESULTADOS: A prevalçncia de GCS foi de 17,9% e 7,5% para gastos correspondentes a 10% e 25% da renda domiciliar, respectivamente. A prevalçncia da multimorbidade foi de 63,2%. A multimorbidade apresentou associações positivas e independentes com GCS (OR = 1,95, IC95% 1,67-2,28 e OR = 1,40, IC95% 1,11-1,76 para gastos correspondentes a 10% e 25%, respectivamente). Os gastos associados à multimorbidade foram maiores entre aqueles com menor escore de riqueza. CONCLUSÕES: Os resultados chamam atenção para a necessidade de uma abordagem integrada da multimorbidade nos serviços de saúde, de forma a evitar os GCS, particularmente entre adultos mais velhos com piores condições socioeconômicas.

A study on out of pocket expenditure among the urology patients covered under health schemes in a teaching hospital

Background: Health is one of the most important components of an effective poverty reduction strategy. However, use of health services is sometimes associated with out-of-pocket (OOP) payments. Urology disorders are often chronic and affect individuals not by shortening survival, but by impairing quality of life hence posing a substantial economic impact for patients. A well-planned health finance systems protects population against the financial risks of ill-health. This study addressed concerns over high levels of out-of-pocket payments even by those who have insurance coverage.Methods: Descriptive study was conducted among 160 patients admitted in Urology Department who are covered under various health schemes for the duration of 6 months.Results: Of the 160 study participants studied, 129 (80.62%) were males, 37 (23.13%), 64 (40%) were illiterates and most of the families 127 (79.38%) were from rural area. Various health schemes availed were, 120 (75%) Arogya Karnataka, 8 (11.25%) RBSY Kerala and 6 (3.75%) Sampoorna Suraksha. Expenses other than medical included home care assistance, adaptations to home and cost of parallel treatment. The main source for out of pocket expenditure was borrowing money from relatives or friends 70 (43.8%), self-finance 46 (28.7%) and selling valuables 28 (17.5%). Prevalence of catastrophic health expenditure in our study was 8.75%.Conclusions: The government should increase the public health spending to reduce the out of pocket expenditure by the families and the public must be educated about the availability of insurance scheme and their efficient/optimum utilization.

Incidencia del gasto catastrófico en salud de los hogares costarricenses 2004 y 2013

bjetivo: identificar el porcentaje de hogares cuyos desembolsos por concepto del gasto de bolsillo pueden llegar a constituirse en una catástrofe financiera (30 o 40%del ingreso familiar).Métodos:se utiliza el módulo de Equidad y Protección Financiera del software ADePT, del Grupo de Investigación y Desarrollo del Banco Mundial, así como una serie de rutinas programables que replican la metodología de análisis del gasto catastrófico del estudio desarrollado por Knaul, Wong, y Arreola-Ornelas (2012).Resultados: la incidencia de gasto catastrófico se incrementó levemente al pasar de un 0.6 % de los hogares en el año 2004 a un 0.8 % en el 2013.Conclusiones:la incidencia del gasto catastrófico en salud de los hogares costarricenses no representa un problema para el sistema de salud costarricense, pero es un aspecto que debe focalizarse a sus características estructurales.

bjetive: Identify the percentage of households whose out-of-pocket expenditures turn out to be a financial catastrophe (thirty to forty percent of household income).Methods: The World Bank's Research and Development Group Equity and Financial Protection module ADePT software is used along with a series of programmable routines that replicate the catastrophic expenditure analysis methodology of the study developed by Knaul, Wong, and Arreola-Ornelas (2012).Results: The incidence of catastrophic expenditure increased slightly from 0.6 percent of households in 2004 to 0.8 percent in 2013.Conclusions: The incidence of catastrophic health expenditure in Costa Rican households is not a problem for the Costa Rican health system, but the concern should be issue targeted.

Innovative social protection mechanism for alleviating catastrophic expenses on multidrug-resistant tuberculosis patients in Chhattisgarh, India.

Background: Patients with multidrug-resistant tuberculosis (MDR-TB) incur huge expenditures for diagnosis and treatment; these costs can be reduced through a well-designed and implemented social health insurance mechanism. The State of Chhattisgarh in India successfully established a partnership between the Revised National TB Control Programme (RNTCP) and the Health Insurance Programme, to form a universal health insurance scheme for all, by establishing Rashtriya Swasthya Bima Yojna (RSBY) and Mukhyamantri Swasthya Bima Yojana (MSBY) MDR-TB packages. The objective of this partnership was to absorb the catastrophic expenses incurred by patients with MDR-TB, from diagnosis to treatment completion, in the public and private sector. This paper documents the initial experience of a tailor-made health insurance programme, linked to covering catastrophic health expenditure for patients with MDR-TB. Methods: In this descriptive study, data on uptake of insurance claims through innovative MDR-TB packages from January 2013 to April 2014 were collected. A simple survey of costs for clinical investigation and inpatient care was conducted across two major urban districts in Chhattisgarh. In these selected districts, three health facilities from the private sector and one medical college from the public sector with a functional drug-resistant tuberculosis (DR-TB) centre were chosen by the RSBY and MSBY State Nodal Agency to complete a simple, structured questionnaire on existing market rates. The mean costs for clinical investigations and hospital stay were calculated for an individual patient with MDR-TB who would seek services from the private or public sector. Results: A total of 207 insurance claims for RSBY and MSBY MDR-TB packages were processed, of which 20 were from private and 187 from public health establishments, covered under the health insurance programme, free of charge. An estimated catastrophic expenditure, of approximately US$ 20 000, was saved through the RSBY and MSBY health insurance mechanism during the study period. Conclusion: The innovative RSBY and MSBY MDR-TB insurance package is a step towards reducing catastrophic expenses associated with treatment for MDRTB.

Research on Medicine Affordability Evaluation Methods / 中国药房

OBJECTIVE:To provide theoretic support for medicine affordability evaluation in China by studying medicine af-fordability evaluation methods. METHODS:Through introducing the concept and evaluation methods of affordability,the evalua-tion steps of“catastrophic expenditure”and“medicine affordability”in medicine affordability evaluation methods were interpreted systematically. RESULTS & CONCLUSIONS:The catastrophic expenditure and impoverishing effect methods can measure med-icine affordability,but they both have limitations. Catastrophic expenditure evaluation method cannot measure the consequences of a catastrophic expenditure to the family,and ignore the reduction of family income after the occurrence of diseases. Impoverishing effect evaluation method cannot pay attention to originally poor population. These two evaluation methods complement each other, and can more objectively reflect the ability of patients bearing medical expenses,which can provide scientific references for poli-cies of enhancing medicine pricing and reimbursement system.

El papel del Fondo de Protección contra Gastos Catastróficos en la cobertura de atención a pacientes con cataratas / The role of the Fund against Catastrophic Expenditures in Health on the coverage of patients with cataract

Objetivo. Documentar el efecto que el Fondo de Protección contra Gastos Catastróficos (FPGC) ha tenido sobre la cobertura de servicios y la disponibilidad de recursos para la atención de cataratas. Material y métodos. Con datos 2000-2010 del Sistema Automatizado de Egresos Hospitalarios y las estimaciones de población del Consejo Nacional de Población, se calcularon la tasa anual y la cobertura de atención de cataratas. Los datos de recursos proceden del Sistema Nacional de Información en Salud. Resultados. La cobertura de atención creció de 24 pacientes atendidos por 1 000 pacientes con cataratas en 2000 a 58.8 en 2012. El mayor aumento ocurrió entre 2006 y 2007 como consecuencia de la incorporación de la atención de cataratas al FPGC. Este aumento se sustenta más en la productividad por oftalmólogo que en un incremento de los recursos. Sobresalen los incrementos en la tasa de egresos observados en Aguascalientes, Coahuila, Distrito Federal y Nayarit. Conclusiones. Los resultados aquí presentados muestran beneficios sobre la salud poblacional derivados de decisiones político-organizacionales basadas en evidencias.

Objective. To describe the effect of the Fund against Catastrophic Expenditures in Health on the provision of services for patients with cataract. Materials and methods. We used administrative dataset on hospital discharges and official figures on population to estimate the rate of care and the coverage for cataract. To estimate the variation on resources, we used data from the National System of Health Information. Results. Coverage for this disease had a significant increase between 2000 and 2010, passing from 24 per thousand cataract patients receiving attention to 58.8 per thousand. This growth is mainly due to the incorporation of cataract to the catalog of diseases covered by the Fund against Catastrophic Expenditures in Health, although this variation is not based on additional resources but in a higher productivity. The growth of services is noticeable in Aguascalientes, Coahuila, Distrito Federal and Nayarit. Conclusions. Our results suggest that policy-making based on evidence have actually brought benefits for Mexican population.

Family healthcare expenditure on children affiliated to the Medical Insurance for a New Generation / Gasto en salud de los hogares con niños afiliados al Seguro Médico para una Nueva Generación

OBJECTIVE: To analyze household health expenditures on children who are beneficiaries of the Medical Insurance for a New Generation (SMNG), program created in 2007 to cover healthcare costs of children without social security born after December 1st, 2006. MATERIALS AND METHODS: Using the SMNG National Survey, out-the-pocket and catastrophic spending on child health were calculated using several definitions. Results are presented by socioeconomic level, rural and urban areas and for Oportunidades beneficiaries. RESULTS: About 63.3% of households spent an average annual amount of 3320 Mexican pesos (MEX$) on healthcare for beneficiary children. Between 4.3 and 11.6% of households experienced catastrophic spending, depending on the definition adopted. Due to economic trouble, 15.5% of households postponed and 10.0% cancelled medical care for their child. CONCLUSIONS: Even though children are affiliated to the SMNG, the economic burden associated with attending their health is still an issue for families.

OBJETIVO: Analizar el gasto en salud y gasto catastrófico en los niños beneficiarios del Seguro Médico para una Nueva Generación (SMNG), programa creado en 2007 para niños sin seguridad social nacidos a partir del 1o de diciembre de 2006. MATERIAL Y MÉTODOS: Con información de la Encuesta Nacional del SMNG se calculó el gasto en salud y el gasto catastrófico de los hogares de acuerdo a varias definiciones. Los resultados se presentan por nivel socioeconómico, para zonas urbanas y rurales y por pertenencia al programa Oportunidades. RESULTADOS: El 63.3% de los hogares gastaron en la salud de los niños un promedio anual de 3320 pesos. Entre el 4.3 y el 11.6% de los hogares incurrieron en gasto catastrófico, dependiendo de la definición. Debido a problemas económicos, 15.5% pospuso y 10% no realizó la atención médica del niño. CONCLUSIONES: Aún cuando los hogares están afiliados al SMNG, todavía enfrentan restricciones económicas para atender los problemas de salud del niño.