Why Preventive Testing Is Not Always in an Insurer's Interest
Although early testing can reduce long-term healthcare costs, insurers may not capture the future savings because members frequently change plans. Strom says quarterly pressures and fragmented coverage can encourage short-term decisions even when prevention would benefit the healthcare system overall.
- Members often change insurers within a few years
- The insurer paying for prevention may not receive the later savings
- Public companies face quarterly earnings pressure
- Professional recommendations do not guarantee coverage
- Fragmentation blocks a uniform preventive-testing strategy
“why should I do this task if it's going to prevent a heart attack in a patient five or ten years down the line”
“sometimes they make short sighted decisions.”